I sent my new cat for her 3rd vaccination but didn't realize she doesn't need one until end of the year as she's an adult cat (adults need 2 times while kittens need 3). Vet noticed scabs on her ear which I mentioned some bleeding there.
Vet shined some blue light or something and showed worms/parasytes which is glowing under the light. I actually found out i got charged RM15 for this very simple procedure.
Vet got me anti fungal/baterial/antiseptic cream for her. Brand is Surolan. Cost me RM48
Vet noticed some fleas on the cat and asked me to get deflea medicine for her and my other male cat at home. Cost me RM40+34
Consultation cost RM35.
In total, vet bill was
RM172
Also previously, when my older cat's paw got cut and slightly bleeding on his paw. Vet bill was like
RM120+ for a very simple treatment like only trimming the fur around the area, cleaning the wound and applying cream. I was only given a small round tube of cream.
.......
With all these vet bills, think I want to get a pet insurance already

Any thoughts on Oyen? Like how easy it is to claim etc and things to note about:
https://www.oyen.my/cat-insuranceAlso looking at CG Cover Pet insurance
https://cgcover.com/pet-insurance/Just to cover vet bills and possible surgeries in the future.
Looking at the cheapest RM299/year plan which should cost around RM50/month for both my cats.
Some info on my cats:
Both spayed/neutered and fully vaccinated. Strictly indoor cats. Wet food twice daily.
Am currently looking into Oyen as well. Would like to hear other people's feedback if anybody has enrolled in it.