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 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. Inverterbral disk disease (IVDD);
6. Conditions which 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 behavioural 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 which 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 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 specialist list. 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 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

• Description

Our free microchip is only available to dog pet owners on a first come first serve 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.

• Pet Conditions

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.

• Pet Owners

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.

• Residence and Country Limit

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.

您可以索取

宠物医疗费用

可承保毛小孩发生任何的意外疾病，意外事故，受伤和紧急情况所需的医疗费。那包括兽医医疗费用，咨询，诊断，手术，处方药，治疗与检查，X光与超声波，诊所过夜等。

第三方责任/伤害

若毛小孩不小心意外地造成对第三方的人身伤害或是财产损失，Oyen将会赔偿第三方高达

RM50,000。

丧葬费

当毛小孩变成天使的那一天，您所规划的殡仪服务，宠物墓园，宠物骨灰阁等可以索赔高达 RM,1000 的费用。

Oyen宠物保险配套

宠物家庭折扣 一次交易即可享受额外 10% 折扣 (只限年度计划）

宠物保险

最低

RM30.60/月

我们有月度和年度计划！

最高报销率90%

投保前无需体检

无索赔折扣高达 15% 折扣 （NCD）

年度赔偿额

每年高达 RM10,000

我们涵盖的医疗费用：

手术费用

兽医咨询/诊费

X光/超声波/血液检查

处方药

手术后复诊

最多 60 天

诊所过夜

第三方伤害

丧葬费