Major Exclusions You Should Know
We want to be transparent about what our policy doesn't cover. Here are the major exclusions:
We can't cover health issues your pet had before getting the policy.
Illness within the first 14 days:
Any illness that shows up in the first two weeks after starting your first policy isn't covered.
We need your pet to be identifiable through a microchip for dogs or a record for cats to process claims.
Costs related to pregnancy, birth, breeding, and complications aren't covered.
Congenital conditions and behavior training:
We don't cover treatments for conditions your pet was born with or behavioral therapy.
Major surgeries and prosthetics:
Organ transplants, surgical implants, aids, and prosthetics aren't covered.
Routine and preventative care:
Regular check-ups and preventive treatments aren't included.
Certain breeds and government actions:
If your pet is from a banned or restricted breed, or if it's intentionally harmed by a government authority, that's not covered.
Mistreatment or harm:
We can't cover claims if your pet is deliberately injured or mistreated.
Non Commercial use:
Accidents related to using your pet for business purposes, like involved in racing, law enforcements or, breeding, guarding or for other commercial use, aren't included.
Events outside Malaysia:
Claims for events that happen outside of Malaysia aren't covered.
We’d be happy to give you details! You can learn everything about your policy and how pet insurance works.
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