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.

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); and
  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.

  • 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.

DIGI CAMPAIGN TERMS & CONDITIONS

  1. This offer is valid from 22nd August 2021 to 31st January 2022.
  2. Offer is ONLY applicable to customers who sign up and register via the MyDigi partnership page.
  3. Offer is ONLY applicable for single pet insurance plans for cats and dogs. It is NOT valid for multiple pet insurance (group) purchase.
  4. This offer cannot be exchanged for cash and not valid in conjunction with other promotion, discount or vouchers unless otherwise stated.
  5. This offer is only valid on normal priced items.
  6. No cash alternatives or refund will be offered in line of the discount.
  7. Oyen reserves the right to update or modify any of the terms and conditions at any time.
  8. In the event of any updates or changes being made, the revised terms and conditions will be posted on Oyen’s website at least 1 week before they take effect.
  9. All other terms & conditions for Oyen Pet Insurance will apply.
  10. All customers data collected on Oyen's platform will be subjected to our privacy policy.

Best Pet Insurance in Malaysia

Visit any vet clinic in Malaysia. Claim up to RM8,000 for vet bills for your cat or dog. They deserve the best.

Digi users get 5% off any single pet policy with Oyen!

Why Insure with Oyen?

Highest medical limit in Malaysia

Up to RM8,000 in vet medical cost covered, highest nationwide.

Wide range of breeds accepted

We accept all breed for cats and wide breeds of dogs.

Highest age limit up to 10 years old

We insure pets up to the ages of 10 years old.

Covering a wide range of chronic illnesses

We include chronic illness such as cancer, kidney, heart diseases and more.

Reimbursable from all registered vet clinics

We accept claims from all vet clinics in Malaysia. No panel, no worries!

Fast Claims, All Online

Submit your claims digitally. Get paid into your bank account. No cheques, no forms - easy.

Can my baby get insured?

Age: 12 weeks to 10 years old
Health: Free from injury and physical disability
Breed: Not under restricted breed list (dog)
Be microchipped (dog) within 7 days of getting insured

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.