Pets are more than just animals; they are cherished members of our families, bringing boundless joy and unconditional love into our lives. Just like any family member, our pets deserve the best care, especially when it comes to their health. This is where pet insurance steps in as a crucial safeguard.
Pet insurance is a financial safety net that ensures your furry friend receives the necessary medical attention, whether it is a routine checkup, emergency surgery, or ongoing treatment for a chronic condition. In this comprehensive guide to pet insurance, we will look through options, benefits, and considerations to help you make informed decisions about your pet’s healthcare. Here are the 3 best pet insurance in Malaysia.
What Types Of Expenses Are Typically Covered By Pet Insurance in Malaysia?
Pet insurance in Malaysia typically covers a range of expenses related to your pet’s health and well-being, but this also may vary depending on the insurance provider and the specific policy you choose. Here are some expenses that are typically covered by pet insurance in Malaysia:
- Veterinary and Surgical Fees
The primary focus of most pet insurance policies is to provide coverage for veterinary bills, including expenses related to consultations, treatments, surgeries, and medications. This coverage offers pet owners financial peace of mind and ensures that their pets can receive necessary medical care without causing undue financial strain. - Death from Injury or Illness
Pet insurance typically provides coverage for the unfortunate event of a pet’s death resulting from injury or illness, offering financial support to pet owners during emotionally challenging times. This coverage can help offset the costs associated with veterinary care and end-of-life arrangements, providing peace of mind and support in difficult situations. - Burial or Cremation Fees
In many cases, pet insurance covers burial or cremation fees as part of their coverage. This allows pet owners to receive financial assistance for the costs associated with the dignified farewell of their beloved pets. However, this depends on the type of insurance you take. - Boarding Costs
Boarding will also be covered as part of pet insurance coverage. This means that if a pet owner needs to be hospitalised or is temporarily unable to care for their pet, the insurance can help cover the expenses associated with boarding the pet during that period. - Advertising and Reward Costs for Missing Pet Recovery
Coverage for advertising and reward costs in pet insurance is beneficial because it provides financial support in the event a pet goes missing. This helps you recover your beloved pet by assisting with the expenses associated with efforts to locate and bring the pet back home safely. - Third-Party Liability
Third-party liability coverage in pet insurance shields pet owners from financial liability for unintentional harm or damage caused by their pets to third parties, including individuals, other animals, or property. This coverage assists in covering expenses like medical bills or property repairs if your pet were to injure someone or cause damage to another person’s property.
Which Animals Are Covered By Pet Insurance in Malaysia?
The pet insurance industry in Malaysia primarily focuses on dogs and cats. These two animals are among the most common and popular pets, which is why insurance providers tailor their coverage to meet the needs of their vast pet-owning customer base. As a result, when it comes to less common or exotic pets like rabbits, hedgehogs, reptiles, or birds, finding suitable insurance plans can be more challenging.
Find more insurance agencies for your coverage needs:
3 Best Pet Insurance in Malaysia 2025
1. Oyen Pet Insurance
As Malaysia’s pioneering digital pet insurance platform, Oyen has become the go-to choice for pet owners seeking convenient and efficient solutions for their cats’ and dogs’ medical insurance needs. Pet owners can easily submit their claims online and get coverage of up to RM8,000 for surgical procedures, medications, and diagnoses. Oyen’s comprehensive coverage extends to a variety of areas, including veterinary fees for both illness and injury, overnight stays, diagnosis, and follow-up visits and treatments. You will also receive 90% of the eligible expenses for your pet’s medical treatments or covered costs, significantly reducing your out-of-pocket expenses.
Benefits:
- Clinic overnight stay
- X-ray or ultrasound cost
- Coverage of up to RM8,000 for surgical procedures, medications, and diagnoses
- Third-party liability coverage of up to RM50,000
- Burial and cremation costs of up to RM1,000
- 90% reimbursement rate
Price (Monthly):
Cats: RM32 – RM51
Dogs: RM51 – RM80
2. MSIG Malaysia
MSIG’s pet insurance is specially crafted to provide dedicated protection for your beloved furry friends. You have the flexibility to choose from three distinct plans that align with your specific needs and financial considerations. MSIG makes a clear distinction between coverage for cats and dogs, ensuring that each plan caters to the unique requirements of these treasured companions. The comprehensive coverage includes veterinary and surgical fees, death due to injury or illness, burial or cremation expenses and more, offering the best care and security for your cherished pets.
Benefits:
- Has 3 different plans to cater to your needs and budget
- Clear distinction between coverage for cats and dogs
- Veterinary fees and surgical fees up to RM5,000
- Advertising and reward costs for missing pet recovery up to RM1,000
- Boarding kennel and cattery fees while you are hospitalised up to RM2,500
- Third-party liability up to RM100,000
Price (Anual Premium):
Cats: RM358 (Plan 1), RM460 (Plan 2), RM538 (Plan 3)
Dogs: RM617 (Plan 1), RM800 (Plan 2), RM932 (Plan 3)
3. CG Cover
CG Cover offers pet insurance, including Medical Benefit, which covers veterinary expenses for your pet’s injuries and illnesses. In the unfortunate event of your pet’s death due to accidental injury or illness, the Death Benefit provides reimbursement of the purchase price or adoption fee. CG Cover offers flexibility with three distinct plans, allowing you to select the one that best suits your needs, each varying in annual limits and premiums. If you are a CG member, you can enjoy an exclusive 10% discount on your premium, making pet insurance more accessible and affordable for pet owners.
Benefits:
- Offers 3 distinct plans to choose from
- Covers veterinary expenses for pet’s injuries
- Provides reimbursement of the purchase price or adoption fee
- Get a 10% discount for CG member
- Veterinary and surgical bills covered up to RM5,000
- Covers third-party liability up to RM100,000
Price: Get a quote on the website
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Disclosure: This list was compiled by the team at My Weekend Plan after extensive research and shared opinions to suggest helpful recommendations for the public. The sequence of brands is in no particular order so if you have any other great suggestions too, please email us support@myweekendplan.asia. For more information, kindly refer to our copyright, privacy & disclosure policy.
