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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:
- Hip and elbow dysplasia;
- Luxating patella;
- Glaucoma;
- Cherry eye;
- Inverterbral disk disease (IVDD); and
- Conditions which require femoral head and neck excision.Other hereditary conditions not stated above are not covered.
Cost of treatments relating to
- Training or therapy for behavioural illness
- Cryptorchidism or ovariohysterectomy
- Pregnancy, birth or breeding and any complications thereof
- Surgical implants, aids, prosthesis
- Organ transplantation
- Elective treatment and cosmetic surgeries
- Rabies
- Parvovirus
- Treatment for weight reduction or gain
- Hormone replacement therapy
- 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 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.
- Events related to war, terrorism, or actions to control them.
- Ionizing radiation or nuclear contamination.
- Hazardous properties of explosive nuclear equipment.
- Destruction of pets by authorities or intentional slaughter.
- Mistreatment, injury, or neglect by you or your household members or employees.
- Accidents involving pets used for commercial or professional purposes.
- Pets not listed in the policy.
- Pre-existing or congenital conditions.
- Claims not meeting eligibility criteria.
- Claims occurring outside Malaysia.
- Pets without proper identification (microchip or record).
- Treatment by non-veterinarians.
- 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.
Oyen® Pet Insurance
Best Pet Insurance in Malaysia
With Oyen® Pet Insurance, you can
visit any vet clinic or hospital in Malaysia, claim up to RM8,000 in vet bills!
Tell me more about your furkid
Type of furkid
Cat
Radio
Dog
Radio
Breed of furkid
Abyssinian CatAegean CatAmerican BobtailAmerican CurlAmerican ShorthairAmerican WirehairArabian MauAsian CatAsian Semi-longhairBambino CatBengal CatBombay CatBrazilian ShorthairBritish LonghairBritish ShorthairBurmese CatChartreuxCyprus CatDragon LiEuropean ShorthairExotic ShorthairHimalayan CatJapanese BobtailKhao ManeeKoratMaine CoonManx CatMunchkin CatNapoleon CatNebulungNorwegian Forest CatOriental LonghairOriental ShorthairPersian CatRagdollRussian White/Black/TabbyScottish FoldSiamese CatSiberian CatSingapura CatSnowshoe CatSphynx CatThai CatTraditional Persian CatTurkish AngoraTurkish VanMixed/Cross Breed CatAbyssinian Cat
Age of furkid
0-2 years3-5 years5-9 years>9 years0-2 years
Pick an illness to see
Flu/FeverViral InfectionDiarrhea/Intestinal UpsetAccident Trauma (Bruise/ Contusion)Vomiting/Upset StomachOthersSkin Infection - Fungal/ FolliculitisSkin Infection - OthersEar InfectionOthersEye DiseasesUpper Respiratory InfectionUrinary IssuesKidney DiseaseAsthmaAllergiesFeline Leukemia Virus (FeLV)Lung IssuesFeline Lower Urinary Tract Disease (FLUTD)Skin Infection - AllergiesBronchitisAccident Trauma (Broken/Fractured Bones)ConjunctivitisDiarrhea/Intestinal UpsetMeningitisPancreatitisLung IssuesFeline CoronavirusHip DysplasiaSporo (Sporotrichosis)ParvovirusBronchitisFlu/Fever
Your phone number
Your email address
*Our vet bill is based on an estimation only. Please refer to your vet for more accurate information. Policy terms and conditions apply
ESTIMATED VET BILL FOR
Breed
Age
Illness/disease
Price
RM -
How much you can claim with Oyen (90% paid back to your pocket)
RM -
You only pay RM -
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Claim from ANY vet
*Our vet bill is based on an estimation only. Please refer to your vet for more accurate information. Policy terms and conditions apply
What are you waiting for?
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From only RM32/month
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Claim with Convenience
1
Visit any vet in Malaysia
Visit any licensed vet in Malaysia with an Annual Practising Certificate (APC)
2
Submit your claim online
Submit your vet receipt and information about your furbaby's vet visit in our dashboard
3
Get paid directly
We pay directly into your bank account, no need to wait for a physical cheque
Trusted #1 Pet Insurance in Malaysia
Our insurance experience is a perfect 5 stars, check out some reviews from our customers.
Asakir Hafiz
Really had good experiences with this insurance , the process is straightforward and simple , got my fund within 5 working days after claim. Most important thing is my furbaby tamtam now is healthy after getting treatment. Shout to KK (customer service) for your excellent service for my Tamtam
Leong Cheng Yee
One of the best decisions I have made to protect my furkid - get her insured. Had been surveying the market for the best insurance company that can give her the best protection and I would say Oyen Pet Insurance is just perfect.I claimed twice for my puppy's medical fee, and the process was easy, smooth, and fast. Was assisted by Thara and Kartene, who are really informative and helpful. Thanks a lot!For pawrents who are considering getting your babies insured, Oyen would be your best choice :)
Parames Mano
I'm glad i made the right decision to purchase the insurance for my 2 cats. My cat fractured both his hip joints recently and required surgery. Cost was roughly RM3k but my claim was approved 90%.
Sharina Adam
Proses pendaftaran yang mudah, proses claim juga mudah. Saya telah mendaftar insurans Oyen untuk 6 ekor kucing kesayangan saya, setiap kali mereka ada masalah kesihatan, saya cuma perlu membayar 10% sahaja dari jumlah bil dan Oyen membayar selebihnya. Terima kasih Oyen.
Aaron Fernandez
Excellent service, professional handling of claims and fast hassle-free reimbusements. I'm very impressed!! I guess I'm gonna be a lifetime (My furkid's lifetime that is) client :-)
Glenn Rialto
One of the best decisions i've ever made! Oyen has been wonderful since the very beginning. Super responsive and very friendly. Claiming process is very easy and very fast. I will give Oyen 7 stars instead of 5!
Sofiah Rahman
I have been so touched by the personal service and prompt responses received by the Oyen team. Any questions posed were always promptly answered.
Intan Nabilaa Idrus
Thank you Fikri for assisting me and helped me answer all of my questions regarding the policy. I was so satisfied with the answers which was regulatory and law related and he took it like a champ !! I immediately signed up for the policy ! Also great initiatives from the founders for developing this (psstt.. when are you guys going to crowdfund I believe in your business so much I want to invest :D)
Eugene Tham
Full claim of almost RM7k of my eldest furkid for emergency treatment before he passed away. No hassle. I paid upfront, and claims were reimbursed after 1 month. Oyen has provided very quick responsive support. Thank you Ayin! I can feel the love you have for pets through our interactions
Mizan Qistina
I have to say, you SHOULD subscribe to this insurance for your furkids!!!! They are very responsive, the process to register and claim was very smooth! This is my cat’s second year with OYEN! Love everything about them. Their customer service was also very helpful. And my claim process was very simple, quick and easy. I once claimed for my cat’s broken nail and they were very helpful and they even message me after a few days asking about the update on my cat’s condition. Never encountered any problems with them in this two years! Will definitely continue using their service in the future years!
Salamahafifi Yusnaieny
Deborah Jeromiah
This is my first year with Oyen, it's the best service I've ever experienced especially with insurance. If only i could say the same for human insurance services.
Reyn Y
Honestly I must say getting my chihuahua Sonny insured with Oyen MSIG is one of the best decision I have made in my life and also Sonny’s life.Recently my boy was diagnosed with a heart condition and was put under medication for the rest of his life.After the vet visit,I had contacted Thara- one of Oyen’s customer service representative and boy I kid you not, I have received one of the most outstanding customer service as they were ever so prepared and willing to assist me with any questions that I had regarding Sonny’s condition.A million thanks to everyone on Oyen’s wonderful team for your accessible and exceptional assistance. I can’t thank you enough, well done!Love,Sonny and I.
Asakir Hafiz
Leong Cheng Yee
Parames Mano
Sharina Adam
Aaron Fernandez
Glenn Rialto
Sofiah Rahman
I have been so touched by the personal service and prompt responses received by the Oyen team. Any questions posed were always promptly answered.
Intan Nabilaa Idrus
Eugene Tham
Mizan Qistina
Salamahafifi Yusnaieny
Deborah Jeromiah
Reyn Y
Asakir Hafiz
Leong Cheng Yee
Parames Mano
Sharina Adam
Aaron Fernandez
Glenn Rialto
Sofiah Rahman
I have been so touched by the personal service and prompt responses received by the Oyen team. Any questions posed were always promptly answered.
Intan Nabilaa Idrus
Our plan covers
Vet Bills
For any unexpected illness, accidents, injuries and emergencies. Includes consultation, diagnosis, surgery, prescribed medication, treatment and tests.
Third Party Injury
For when your pet accidentally damages properties of others or injures them (or their pet). Includes legal fees, compensation and medical costs that may arise.
Farewell Cost
For saying goodbye to your pet. Includes pet cremation, burial costs and plot, funeral expenses and columbarium.
We Cover a Wide Range of Illnesses and Injuries
Accidents & Injuries
Accidents, Broken Bones
Cancer
Cataracts
Chronic Kidney Disease
Diabetes
Ear Infections
Eye Diseases
Feline Immunodeficiency Virus (FIV)
Flu, Fever, Diarrhoea
Heart Diseases
High Rise Syndrome
Hip Dysplasia
Parvovirus
Pyometra
Skin Diseases
This is just a reference list of pet illnesses and injuries. The final approval of claims is subjected to terms and conditions of Oyen's policy.
Vet bills we cover when your pet falls ill or get injured
Vet Consultation
Diagnosis & Tests
X-Ray & Ultrasound
Surgery
Prescribed Medication
Vet Clinic Overnight Stay
Follow-Up Treatments
Oyen Claims Stories
- Bruce (Mixed Breed Cat)
Bruce has a flu and is sneezing
A simple flu that led to hospitalisation. Medication included antihistamine, eye drops, anti-inflammatory pills, antibiotics, flu jab.
Total Vet Bill
RM578
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- Mochi (Persian)
Mochi's left eye was getting redder
He had high pressure (99 points) on his left eye. The vet believes it is glaucoma caused by hypertension. An ECG and ultrasound later found that his liver was misplaced in the wrong position!
Total Vet Bill
RM1,502
- Onyom (Pembroke Welsh Corgi)
Onyom was found peeing blood
The vet found bladder stones in Onyom through an x-ray! A Cystotomy surgery was performed to remove them.
Total Vet Bill
RM5,376
Pricing Table
Yearly
Monthly
Only yearly plans are eligible for the No Claims Discount (NCD) during renewal and Multi-Pet Discount.
Plans
Vet Medical Limit (Annual)
(90% Reimbursement Rate)
Post-Surgical Treatment
Surgical Fees
Consultation Fees
Diagnosis/Blood Test
X-ray/Ultrasound
Prescribed Medication
Clinic Overnight Stay
(per year)
Burial Cost
Third Party Injury Damage
Cat Basic
RM299/year
RM3,500
30 Days
3 Nights
None
None
Get Prepaid NEXT
How are you getting this plan?
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Best Value
Cat Plus
RM399/year
RM5,000
60 Days
Unlimited
RM500
RM10,000
Get Prepaid NEXT
How are you getting this plan?
Cat Champion
RM499/year
RM8,000
60 Days
Unlimited
RM1,000
RM30,000
Get Prepaid NEXT
How are you getting this plan?
Plans
Vet Medical Limit (Annual)
(90% Reimbursement Rate)
Post-surgical Treatment
Surgical Fees
Consultation Fees
Diagnosis/Blood Test
X-ray/Ultrasound
Prescribed Medication
Clinic Overnight Stay
Burial Cost
Third Party Injury Damage
Free Microchip
*Insertion fees are borne by the owner
Dog Basic
RM499/year
RM3,500
30 Days
3 Nights
None
RM5,000
None
Get Prepaid NEXT
How are you getting this plan?
Dog Plus
RM649/year
Best Value
RM5,000
60 Days
Unlimited
RM500
RM30,000
Get Prepaid NEXT
How are you getting this plan?
Free Microchip
Dog Champion
RM799/year
RM8,000
60 Days
Unlimited
RM1,000
RM50,000
Get Prepaid NEXT
How are you getting this plan?
Free Microchip
10% Discount for multiple pets on yearly plans!
Get 10% OFF (2nd pet onwards) when buying multiple plans to cover your furry family - auto-applied! The discount only applies if your pets are purchased together under the same policy.
What's not included?
We value transparency and want to be upfront with you about what's not covered in your plan
Aids, prosthesis, pregnancy & e-collars
An illness during the first 14-day waiting period
Any second opinion treatment or fees
Congenital conditions
Dental-related treatments (except for accidents)
Grooming and/or nail clipping
Pet food and/or vitamins/supplements
Pre-existing conditions
Preventative and routine treatments
Removal of foreign object
Routine check-up, blood test, x-ray for healthy pets
Spaying/Neutering/Castration/Pregnancy
Surgical implants
Treating roundworms, tapeworms, fleas, ticks, mites
Meet our happy Oyen Fam!
Jehan Omar
Furparent of Siti Kylie & Nurul Kendall
When I first adopted 2 stray cats (Siti Kylie and Nurul Kendall), I was worried the financial commitment that would inevitably come with their health care costs. Once, Siti Kylie fell sick, and I was shocked at the bill that came! The fact that I can purchase the coverage online with Oyen makes the process super convenient!
Aiman Kamal
Furparent of Budi & Nadi
Oyen provides me with the peace of mind that my cats (Budi and Nadi) are always protected. Major plus point - it took me just a few minutes to apply with Oyen online!
Yvonne Chin
Furparent of Bailey
I purchased the insurance plan for my Golden Retriever. This has been one of the best decisions I made. The support staff were very friendly and prompt in their response. Each time a submission was made, they got back to me super fast. Submission of my claims are 90% and have definitely saved me a lot with my puppy's medical expenses. Would definitely recommend it.
Razim Zakri
Proud Parent of Ally
I am relieved that there is finally an insurance policy for my beloved cat, Ally. I am comforted knowing that if something unfortunate were to happen, I have Oyen to help reduce some of the financial burden I might face.
Joannemarie Liew
Proud Parent of Caramel
My experience with Oyen has been very positive. Their team has been extremely helpful and attentive. I made a claim for my cat and I got a response from Sarah in less than three hours and my claim is confirmed on the same day!
Dr. Jegatheeban
Proud Parent of Yuki
Thank you for the fast processing and hassle free claims application. Was like a breeze. Took less than 3 days from my application to approve. As first time taking this policy, I will renew for peace of mind from hefty bills for my furry love.
Get your furkid a pawrfect plan today!
Get started by taking our eligibility quiz within 5 minutes and we’ll get your furkid the pawrfect plan.
Made with love by Oyen®
Oyen® Pet Insurance and Takaful Kucing is a digital-first insurance agency for consumer insurance products like pet insurance in Malaysia.
We are a registered takaful agent for Zurich General Takaful Malaysia Berhad (201701045981) and insurance agent of MSIG Insurance (Malaysia) Bhd (197901002705).
Riskflow Sdn Bhd (1401523-D): Formerly known as Oyen Sdn Bhd
Suite 3.19 (North Block), The Ampwalk, 218 Jalan Ampang, 50450 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
t: +6016 299 6840 (9am-5pm, Mon to Fri)
email: hello@oyen.my
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