Oyen x Shopee

Exclusions

Descriptions

We don't like big and complicated words in insurance too.  We wish to explain these ''terms'' to you. Though, keep in mind that this list is a summary of exclusions explained in simple words. For the full description and list, do refer to our Policy Wording.

If you don't understand any of the Policy Wordings, please don't be shy to email us at hello@oyen.my or drop us a message on our social media pages.

Pre-existing conditions

We do not cover the pet for illnesses that had already shown clinical signs or symptoms, has occurred, been diagnosed or has been treated before the policy start date or during the waiting periods.

An Illness during the waiting period

A waiting period is the first 30 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 the pet insurance plan.

Routine and preventative treatments

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. This includes but is not limited to illnesses such as tick fever and ear mites.

Congenital conditions

We do not cover the pet for congenital conditions and their related health complications. Congenital conditions are defined as conditions that are present from birth involving any organ or part of the body.

Hereditary conditions

If your pet is under six years old when your first policy period begins, we'll cover certain hereditary conditions after the policy has been active for one year, as long as these conditions weren't present before the policy started. This applies to conditions that experts or medical literature recognize as genetically inherited or predisposed. Conditions such as:

  1. Hip and elbow dysplasia;
  2. Luxating patella;
  3. Glaucoma;
  4. Cherry eye;
  5. Intervertebral disk disease (IVDD);
  6. Conditions that require femoral head and neck excision. Other hereditary conditions not stated above are not covered.

Cost of treatments relating to

  1. Training or therapy for behavioral illness
  2. Cryptorchidism or ovariohysterectomy
  3. Pregnancy, birth or breeding, and any complications thereof
  4. Surgical implants, aids, prosthesis
  5. Organ transplantation
  6. Elective treatment and cosmetic surgeries
  7. Rabies
  8. Parvovirus
  9. Treatment for weight reduction or gain
  10. Hormone replacement therapy
  11. Alternative therapy (chiropractic, acupuncture, acupressure, physiotherapy)

Dental costs (except dental treatment due to an accident)

We do not cover various aspects of dentistry, including dental procedures, diseases, gum issues, tooth fractures, cleaning, orthodontics, cosmetic restoration, TMJ problems, enamel issues, hygiene, and gum diseases. Unless dental treatment is required due to accidents.

Non-medically necessary treatments

We only cover medical services, supplies, or treatments provided by a veterinarian if they are:

(a) consistent with symptoms or diagnosis; (b) appropriate and meet generally accepted veterinary practice standards; (c) not primarily for the convenience of the policyholder, your veterinarian or other providers; (d) consistent with the most appropriate supply or level of services that can safely be provided to the pet; and (e) Not of an experimental, investigational or research nature, preventive or screening nature

Any second opinion treatment or fees

We will only pay for 1 consultation or diagnostic test for the same sickness. Seeking a second opinion from the same or different vets will not be covered.

Any treatment or fees by a specialised vet

We will only cover vet medical fees from general vet practitioners and not from specialists. Examples of specialised vets are: Oncologists, Toxicologists.

Veterinarian house call services

Any claim arising from vet house call services, including video call consults or teleconsulting, is excluded.

Removal of foreign object

Costs incurred to remove any non-food object located within the digestive tract of a dog or cat.

Treatment after the expiry of policy

Treatment that takes place after the expiry date of the policy when there has not been any subsequent renewal.

Treatment exceeding the limit of benefit

You may only claim up to the maximum amount of your policy's limit. Eg. For the vet medical limit of RM5,000, you can only claim a maximum amount of RM5,000.

General exclusions

These include events related to war, terrorism, nuclear risks, government action, mistreatment or neglect of the pet, commercial use of the pet, pets not named in the schedule, conditions outside Malaysia, and pets without proper identification. Additionally, claims arising from a declared pandemic disease affecting pets are excluded.

  1. Events related to war, terrorism, or actions to control them.
  2. Ionizing radiation or nuclear contamination.
  3. Hazardous properties of explosive nuclear equipment.
  4. Destruction of pets by authorities or intentional slaughter.
  5. Mistreatment, injury, or neglect by you or your household members or employees.
  6. Accidents involving pets used for commercial or professional purposes.
  7. Pets not listed in the policy.
  8. Pre-existing or congenital conditions.
  9. Claims not meeting eligibility criteria.
  10. Claims occurring outside Malaysia.
  11. Pets without proper identification (microchip or record).
  12. Treatment by non-veterinarians.
  13. Claims related to declared pandemic diseases affecting pets.

ELIGIBILITY

Our free microchip is only available to dog pet owners on a first-come-first-served basis. Limited stock available and not all submissions are guaranteed.

If you don't understand any of these words, please don't be shy to email us at hello@oyen.my or drop us a message on our social media pages.

Unfortunately, we will not be able to insure all pets. These are some conditions before we can provide cover for your furry friend:

(a)  must be aged between twelve (12) weeks to ten (10) years at the start date of your insurance.

(b) be free from injury or physical disability at the start date of your insurance.

(c) be at all times under your care or your family. (Sadly, this means you can't insure stray cats or dogs that don't live with you)

(d) be duly licensed and not fall under banned or restricted breeds as prescribed by the Government or Public or Local Authority (for pet dogs). Here's a link to our FAQ.

(e) be microchipped (for pet dogs)

(f) where your pet is a cat, you must provide medical card certification from a registered veterinarian with details of the pet and its owner including their names and photographs of the pet.

(g) not be a working pet.

With a cute pet, comes big responsibility. The Pet Owners need to satisfy the following criteria:

(a) be aged eighteen (18) years or older; and
(b) be the owner of the pet (Proof: legal name shown on vet medical card or receipt) (c) the pet insurance is not transferable to other pets.

A pet is covered under this policy only while the pet is in Malaysia.

Your pet must reside permanently with you at the address within Malaysia stated in the schedule.

Oyen Pet Health Insurance

We cover a wide range of unexpected illness and injury

Here are the estimated future vet costs:

Feline Lower Urinary Tract Disease

Average cost/visit: RM 1,000

Feline Upper Respiratory Disease

Average cost/visit: RM 125

Abscess/Skin Infection

Average cost/visit: RM 200

Chronic Kidney Disease

Average cost/visit: RM 300

Trauma - Car Accidents, High Rise Syndrome

Average cost/visit: RM 500

* These are estimated costs based on our internal data only. For exact costs, please consult your veterinary clinic for more information.

What's not included?

We want to be upfront with you about what's not covered in your plan. Here are some key exclusions to highlight to you.

To read up the complete list of exclusion, download our complete policy wording.

Vet Medical Costs

Oyen covers up to 90% on eligible vet fees for accidents, illnesses, injuries, and emergencies. You can visit any registered vet clinics in Malaysia.

We cover overnight stays, diagnosis, and follow-up treatments too!

Accidental Damage or Injuries to Others

Sometimes, our pets get too excited meeting others, or they may accidentally knock over or damage objects or properties belonging to third parties.  It's not their fault.

With Oyen, any costs incurred from these accidents are covered, including compensation, medical and legal fees subject to an excess.

Farewell Burial Cost

For burial or cremation of your deceased pet, Oyen will reimburse the cost of your burial service provider.

Goodbye, dear friend 😢

MSIG Insurance (Malaysia) Bhd

Oyen's Pet Insurance Policy is underwritten by MSIG Insurance (Malaysia) Bhd, a general insurance company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

From RM299/year

Pricing Table

Cat Basic

RM3,500
Vet Medical Limit (Annual)
90% Medical Reimbursement Rate
RM299/year

Best Value

Cat Plus

RM5,000
Vet Medical Limit (Annual)
90% Medical Reimbursement Rate
RM399/year

Cat Champion

RM8,000
Vet Medical Limit (Annual)
90% Medical Reimbursement Rate
RM499/year

Dog Basic

RM3,500
Vet Medical Limit (Annual)
90% Medical Reimbursement Rate
RM499/year

Best Value

Dog Plus

RM5,000
Vet Medical Limit (Annual)
90% Medical Reimbursement Rate
RM649/year

Dog Champion

RM8,000
Vet Medical Limit (Annual)
90% Medical Reimbursement Rate
RM799/year

What Our Customers Are Saying

Jehan Omar

Proud Parent of Siti Kylie and Nurul Kendall When I first adopted 2 stray cats, I was worried about the financial commitment that would inevitably come with their health care costs.

Razim

Proud Parent of Ally I am relieved that there is finally an insurance policy for my beloved cat, Ally.

Alex Le

Proud Parent of Jude Oyen has been amazing so far. From signing up, getting your loved pet family member insured literally happens in minutes.

Aiman

Proud Parent of Budi and Nadi Oyen provides me with the peace of mind that my cats are always protected.