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Pet Insurance

Peace of mind for your furry friends, covering vet bills, surgeries, and third-party liability.

Overview

Pet insurance helps cover the cost of veterinary care if your pet becomes ill or is injured in an accident. Some policies also cover third-party liability if your pet causes damage or injury to others.

1Who needs this?

Dog Owners
Cat Owners
Pet Breeders

What it covers

  • Veterinary fees for illness or injury
  • Surgical procedures
  • Third-party liability (e.g., if your dog bites someone)
  • Death by accident or illness
  • Theft or straying reward

What is NOT covered

  • Pre-existing conditions
  • Routine check-ups and vaccinations
  • Grooming and cosmetic procedures
  • Pregnancy and giving birth

Important Note: Coverage details, limits, and exclusions may vary depending on the specific policy terms, the insurer selected, and individual risk profiles. Always refer to the actual policy document for full terms and conditions.

Common Claim Scenarios

Emergency Surgery

"A golden retriever swallowed a foreign object and required emergency surgery to remove it. The pet insurance covered 80% of the surgical and post-operative care costs, which totaled over RM 5,000."

Frequently Asked Questions

Is there an age limit for pet insurance?
Most insurers have a minimum age (e.g., 8 weeks) and a maximum age for new policies (e.g., 8-10 years), though once insured, cover can often continue for life.
Does it cover vaccinations?
Standard policies usually exclude routine care like vaccinations and deworming, as these are predictable costs.
What is the 'Co-payment'?
This is the percentage of the claim that you are responsible for paying (e.g., 20%), while the insurer pays the remaining 80%.
Does it cover hereditary conditions?
Some policies do, while others exclude them. It's important to check if your pet's breed has known hereditary issues.
Can I use any vet?
Most policies allow you to use any registered veterinarian in Malaysia, but some may have a network of preferred providers.

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