We do not cover illnesses that have already shown clinical signs or symptoms, has occurred, been diagnosed or has been treated before the policy start date or during the waiting periods.
A waiting period is the first 14 days from the start of your policy. The waiting period is introduced to reduce the possibility of claims that occur too close to the purchase of pet insurance plan.
(a) congenital illness;
(b) training or therapy for behavioural illness;
(c) cryptorchidism or ovariohysterectomy;
(d) dental costs (except dental treatment due to an accident);
(e) pregnancy, birth or breeding and any complications thereof;
(f) surgical implants;
(g) organ transplantation;
(h) elective treatment and cosmetic surgeries.
We will only pay for 1 consultation or diagnostic test for the same sickness. Seeking second opinion from the same or different vets will not be covered.
We will only cover vet medical fees from general vet practitioners and not specialist list. Examples of specialist vets are: Oncologists, Toxicologists
Including and not limited to the cost of any pet food and/or supplements, preventative vaccinations, spaying, castration, routine removal of dew claws, killing and controlling fleas, treating round worms and tapeworms, ticks, mites, grooming and nail clipping or any complications arising from these treatments.
Costs incurred to remove a foreign object swallowed by your pet
Treatment incurred after the expiry of policy for which there has not been any subsequent renewal.
More than the veterinary fees maximum benefit for
the combined treatment costs of all injuries and illnesses during the period of insurance.
You can browse our website without sharing your personal data with us and remain anonymous. However, you will be required to register an account if you wish to use our services, in which case you may be required to provide your personal data to us. We may also collect personal data through other modes of communication, including proposal forms or other documentation completed by you, as well as verbally via face-to-face, phone calls or electronically over the Internet. “Personal Data” shall have the same meaning accorded under the Personal Data Protection Act 2010 of Malaysia.
The Personal Data that we may collect includes but is not limited to:
Where you provide Personal Data of any third party to us, or where you name a third party as life assured, beneficiary, nominee, trustee, assignee and Personal Data is not collected directly from the third party individual himself, consent is deemed to have been given to us to process and disclose the third party individual’s Personal Data.
You acknowledge that you provide the Personal Data to us voluntarily. We will inform you when the supply of certain personal data by you is optional or mandatory for the purposes of taking out an insurance policy. Where it is indicated that it is mandatory for you to provide your Personal Data to us, failure to provide such information may result in us not being able to perform our services.
We will collect and process your Personal Data and/or Sensitive Personal Data to:
(collectively referred to as the “Purposes”).
If you purchase a plan via our Site, the Personal Data you provide will be shared with our registered insurance partner or takaful operator. In the case of an independent party being involved in a claim for you, such as claim investigation company, hospital, etc, consent is deemed to have been given to these independent parties to process and disclose your Personal Data. We will not disclose any of your Personal Data to other third party without your consent except to our group of companies or related companies, professional advisers, human resource administration, management agents, payroll providers, IT service providers, insurance providers, banks and/or financial institutions of ours, within or outside Malaysia, on a need-to-know basis for the Purposes above and for any other legitimate business purposes only, and to any person to whom we are compelled or required to do so by in law or in response to a government agency.
If you do not provide us with the above Personal Data, we may not be able to perform our services to you effectively.
We are committed to safeguarding your Personal Data and ensuring that it is stored securely. You have the right to request (details below) for access to, request for a copy of, and request to update or correct your Personal Data held by us. You also have the right at any time to request us (details below) to limit the processing and use of your Personal Data (including for purposes of direct marketing), subject to our right to rely on any statutory exemptions and/or exceptions to collect, use and disclose your Personal Data.
If you withdraw your consent for us to process your Personal Data, we may be unable to continue providing our services to you. We will inform you of the likely consequences of such withdrawal of consent when we receive your notice of withdrawal of consent. You will have to bear all legal consequences arising from such withdrawal of consent and/or subsequent termination of the insurance policy.
If you have any requests to limit the processing of your Personal Data, questions, complaints, or if you wish to withdraw your consent to us collecting and processing your Personal Data, kindly contact us at firstname.lastname@example.org.
As at 1st March 2021.