What are the key changes to the New Oyen Policy Wording effective 3 May 2024?

Starting from May 3, 2024
Changes to Note:

• Follow-up Treatment Coverage: Medically necessary follow-up treatment by the same vet within 30 days is covered, even if no surgery is required.
• Additional Exclusion: Special diets, pet foods, vitamins, and related products are not covered, even if recommended by a vet.
• Third-Party Liability Exclusion: No coverage for claims related to banned or restricted breeds (Doberman, German Shepherd, Rottweiler).
• Eligibility for Certain Dog Breeds: Dobermans, German Shepherds, and Rottweilers are eligible for coverage if they meet specific criteria (e.g., microchipped, pedigree certificate, Canine Good Citizen program).
• Free Look Period: You can cancel your policy within 15 days for a full refund if no claims have been made.
• Installment Payment Requirement: If a claim exceeds RM1,000, you must pay all remaining installments before reimbursement.
• Waiting Period Adjustment: The waiting period for new policies will be 30 days. Renewal customers are not affected.
• Exclusion of Certain Vaccine-Preventable Illnesses: Rabies, canine distemper, and parvovirus are no longer covered.
• Alternative Therapy Exclusions: Treatments like chiropractic services, acupuncture, physiotherapy, etc., are excluded.
• Parasite-Related Exclusions: Illnesses caused by fleas, worms, ticks, mites, and related treatments are now excluded.
• Expanded Hereditary Condition Coverage: Pets insured before the age of 6 will have specific hereditary conditions covered after a 12-month waiting period (e.g., hip dysplasia, glaucoma).

Why These Changes?

These adjustments are introduced by our insurance partner to ensure the long-term sustainability of our pet insurance portfolio. Your feedback has also led to a positive update on the expanded hereditary condition coverage. While some exclusions have been introduced, it's crucial to recognize that Oyen continues to cover a wide array of pet health issues. 

Top Covered Illnesses in 2023 (Still Covered)*:

• Flu/Fever
• Diarrhea/Intestinal Upset
• Skin Infection: Fungal, Allergies
• Ear Infection
• Vomiting/Upset Stomach
• Accidents: Bruises, Contusion
• Urinary Issues
• Pancreatitis
• Urinary Tract Infections / Bladder Infections

*Policy terms and conditions apply

What This Means for You:

These policy changes will come into effect from May 3, 2024. Be aware of these modifications to ensure continued comprehensive coverage for your pet's health. For the full description and list, do refer to our Policy Wording.

If you have any questions or need further clarification, feel free to reach out to us. We value your commitment to Oyen and your pet's well-being.