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Major Exclusions You Should Know
We want to be transparent about what our policy doesn't cover. Here are the major exclusions:
Pre-existing conditions:
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.
Unidentifiable pets:
We need your pet to be identifiable through a microchip for dogs or a record for cats to process claims.
Reproduction-related costs:
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.
Ask Us Anything
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