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Malaysia’s First Digital Pet Health Insurance - Oyen

Finally - a comprehensive insurance plan designed for pets!

To all cat & dog owners, now you can finally plan ahead and get your furkids protected without the need to worry about expensive vet bills anymore!

Oyen is an authorized insurance agent of MSIG Insurance (Malaysia) Bhd, which offers the highest medical coverage in Malaysia of up to RM8,000. This RM8,000 can be used for claims on surgeries, medication, follow-up treatment, and more!

And everything is done online - no physical paperwork. Only 5 minutes of your time and you’ll get the best for your furkids!
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Do I really NEED pet insurance?
It is estimated that a typical pet owner in Malaysia spends about RM750 a year on average on regular medical expenses, excluding emergencies or illnesses that are more serious. If your pet runs into any unexpected illnesses, it is not uncommon to rack up vet medical bills in the thousands.

Your pet may fall sick and accidents may happen when you least expect it. Pet insurance provides peace of mind that you can afford to give your furbaby the best treatment at all times.

If accidents occur, you don’t want to be in a position of having to choose between your best friend and your financial security?

Get started here: www.oyen.my

What does Oyen Pet Insurance cover?
The policy limit and coverage depend on the type of plan you choose. We offer three different plans for dogs and cats: Basic, Plus, and Champion.

All plans cover three major categories under Oyen Pet Insurance :
1) Vet Bills
Oyen covers unexpected vet medical costs, such as illnesses, accidents and injuries.

Do note that all claims for vet medical costs are subject to a 90% reimbursement rate. This means that Oyen will cover 90% of the vet medical bill while the policyholder will bear the remaining 10% of the fees from each claim.

The policy limit ranges from RM3,500 to RM8,000 and includes:
- Vet Fees and Surgical Fees
- Diagnosis and Blood Test
- Clinic Overnight Stay
- Prescribed Medication
- X-Ray / Ultrasound
- Follow Up Treatment

2) Farewell Costs
Oyen covers burial and cremation costs from service providers up to RM1,000 when your pet passes away.

3) Third-Party Liability
Oyen covers any costs incurred in the event that your pet causes accidental damage or injuries to others and/or their properties. We will cover medical, legal and damage fees up to RM50,000.

What does Oyen Pet Insurance NOT cover?
The key ones, pre-existing conditions and any preventative-related treatments - just like human insurance!
Here is our list of exclusions: help.oyen.my/hc/en-us/articles/900004657606-What-are-the-exclusions-for-my-pet-insurance-policy-

Which vets can I claim from?
Oyen pet insurance can be used at ANY registered vet clinics in Malaysia on a pay and claim basis.

How much does Oyen Pet Insurance cost?
Our cat insurance plans start from as low as RM299/year up to RM499/year. Find out more about pricing plans for cats here: www.oyen.my/cat-insurance

Dog insurance plans start from RM499/year up to RM799/year. Find out more about the pricing plans for dogs here: www.oyen.my/dog-insurance

Do note that premiums need to be paid on an annual basis. If you think about it, a simple insurance plan of RM299 per year will only cost you RM25 per month and less than the cost of a cup of coffee in a week!

Lastly, to check your pet's eligibility or find out how to sign up, visit our site here:
www.oyen.my

Everything's online, no physical paperwork required! But if you have any further questions or need assistance with signing up, please do not hesitate to email hello@oyen.my or call/ WhatsApp us at +60329359955 (9am-5pm on weekdays).

Any pet parents have already insured with us? Feel free to leave a comment below and let's guide any furparents who need help or have any questions!

I'll try my best to answer here too