What are the exclusions for my pet insurance policy?

An exclusion is any loss or damage not covered by Oyen's insurance policy. This means that the claim will be unsuccessful when filed or processed.

Here are the main exclusions, for more details on the explanation behind these exclusions, refer to our detailed Oyen Pet Insurance Policy Wording

Key Exclusions:

1. Co-payment: The amount resulting from the co-payment, as stated on your schedule, is not covered. At Oyen today, you have an option of 10%, 20% and 30%.
2. Pre-existing Condition: Conditions that existed or showed symptoms before the policy's effective date.
3. Waiting Period: Symptoms or illnesses that happened during the waiting period (30 days) are not covered.
4. Aids, Implants, Prosthetics: Costs for purchasing aids, implants, prostheses, housing or bedding, including cages, and palliative care are excluded.
5. Specific Treatment Exclusions:
   • Congenital and hereditary conditions, unless specified.
   • Training or therapy for behavioural illness.
   • Conditions related to pregnancy, breeding, dentistry, organ transplantation, elective and cosmetic surgeries.
   • Treatments for weight reduction or gain
   • Cryptorchidism or ovariohysterectomy (such as for pyometra)
6. Non-essential Boarding and Hospitalisation: Costs for non-essential boarding, hospitalization, treatment, tests, or diagnostic procedures are not covered.
7. Certain Vaccine-Preventable Illnesses: Rabies, canine distemper, and parvovirus
8. Alternative Therapy: Hormone replacement therapy and alternative therapies, including chiropractic, acupuncture, reflexology, and more, are excluded.
9. Second Opinion Costs: Costs related to seeking a second opinion from a different veterinarian for the same illness or treatment are not covered.
10. Routine and Preventative Treatments: Costs for routine and preventative treatments, including vaccinations, spaying, castration, grooming, removal of dew claws and nail clipping, and any complications arising from these are excluded.
11. Dental and Gum Procedures: Dentistry including but not limited to dental procedures, dental disease, gingivitis, treatment of teeth fractures, teeth cleaning/scaling, orthodontics, cosmetic dental restoration, temporomandibular joint (TMJ) disease, enamel hypoplasia, teeth hygiene or appearance, removal of deciduous or fractured teeth or gum and periodontal disease or any oral disease(except dental treatment due to an accident)
12. Pet Food and Supplements: Costs of pet food and/or supplements and vitamins are not covered.
    1. Costs of any special diets, pet foods, vitamins, supplements, soaps, shampoos, bathing (including medicated baths), cleanser, vitamin creams, vitamin ointment, moisturizers, lubricants and any products with similar effect, whether recommended by a vet or not.
13. Parasite Treatments: Prevention or treatments for complications arising from fleas, roundworms, tapeworms, ticks, and mites are excluded, including but not limited to tick fever and ear mites.
14. Foreign Object Ingestion: Costs incurred for the removal of foreign objects (any non-food object that  or complications arising from ingestion or removal of foreign objects are not covered.
15. Post-Expiry Treatment: Treatment incurred after the policy expiry without subsequent renewal is excluded.
16. Maximum Benefit Limit: Claims exceeding the veterinary fees maximum benefit for the combined treatment costs of all injuries and illnesses during the insurance period are not covered.
17. Vet Housecall Services: Any claim arising from vet housecall services, including video call consults or teleconsulting, is not covered.

For the full list of our exclusions, you may refer to our Oyen Pet Insurance Policy Wording.