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.
We are certified general insurance agent registered with the General Insurance Association of Malaysia (PIAM). As an authorised insurance agent of MSIG Insurance (Malaysia) Bhd (“MSIG”), we provide insurance advisory and claims handling services, and may canvas for and accept insurance business for insurance on behalf of MSIG. We are also authorised to collect all premiums in respect of “Cash Before Cover” insurance policies in full on behalf of MSIG.
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