The Ultimate Guide To Pet Insurance In Malaysia 2023

When it comes to looking after our beloved pets, we want what’s best for them. They’re an extension of our family and we want to treat them as such!

We always want to keep their well-being at the top of our minds while still minimizing expenses. One excellent way to achieve this is by getting pet insurance for your furry companion.

Keep reading, and we will share information about the top pet insurance providers in Malaysia!

We adore our pets, but sometimes it can be challenging when the costs for their care become overwhelming. To prevent unnecessary spending on your pets, take a look at this list of the finest pet insurance providers in Malaysia!


1.   MSIG Pet Insurance

COVERAGEVeterinary and surgical fees, Death from injury or illness, Burial or cremation costs, Advertising and reward costs for recovery of missing pet, Boarding kennel and cattery fees for pet, Third-party liability cover
ADDRESS1st Floor, Block 18, Lot 1 & 2, Bandar Indah, Mile 4, North Road, 90000, 90000 Sandakan, Sabah, Malaysia
CONTACT DETAILS+60 89-217 388
OPERATING HOURSMon-Fri 8:30am-5:30pm


When you choose MSIG Pet Insurance, you’ll have access to three different plans, each varying in annual limits and premiums.

They have pretty strict and thorough terms and conditions for both your and their protection. A few of them being that your pet has to be micro-chipped and not be a breed that’s banned by government authorities.

It’s important to provide accurate information because any discrepancies could impact your claims and even the validity of your insurance. Your pet should also be within Malaysia at the specified address while covered by the insurance.

While MSIG’s policy covers a lot, there are also several exclusions, such as war-related risks, pregnancy complications, incidents outside of Malaysia, claims not certified by veterinarians, and more. You can get a complete list of exclusions during a consultation with an insurance advisor.

You’ll get a full list of the exclusions during the consultation with the insurance adviser.

Also, for any cancellations to the insurance, all you have to do is send them a written notice and wait up to 7 days for the confirmation.

The table below shows the estimated premium based on your pet and the annual limits associated with your selected plan. Note that whether you have a cat or dog, the annual limit remains the same.



Plan 1 Plan 2 Plan 3
Cat RM 358 RM 460 RM 538
Dog RM 617 RM 800 RM 932


Annual Limit

Benefits Plan 1 Plan 2 Plan 3
Veterinary and surgical Fees RM 2,000 RM 3,500 RM 5,000
Death from illness or injury RM 2,000 RM 3,500 RM 5,000
Burial or cremation costs RM 1,000 RM 1,000 RM 1,000
Advertising and reward costs for recovery of missing pet RM 1,000 RM 1,000 RM 1,000
Boarding kennel and cattery fees for pet RM 1,000 RM 1,500 RM 2,500
Third-party liability cover RM 50,000 RM 75,000 RM 100,000


You have two options for obtaining MISG Pet Insurance. You can either reach out to your existing MSIG Insurance Adviser or buy it directly from their website.

It’s important to keep in mind that if your pet has preexisting medical conditions, has a history of aggression, or is used for work, you won’t be able to apply online. In such cases, you’ll need to contact an insurance adviser directly.


2.   Oyen Pet Health Insurance

PRODUCTSVet medical costs, Accidental damage or injuries to others, farewell burial cost
ADDRESSSuite 5.11 (North Block), The Ampwalk, 218 Jalan Ampang, 50450 Kuala Lumpur, Federal Territory of Kuala Lumpur
CONTACT DETAILS+603 2935 9955
OPERATING HOURSMon-Fri 9:00am-5:00pm


Oyen Pet Health Insurance provides the highest medical coverage limit in Malaysia, covering up to RM8,000 in medical expenses. They are inclusive and accept all breeds of cats and dogs.

For pets, the maximum age they can insure is up to 10 years old. They offer coverage for various chronic illnesses, including those related to the heart, lungs, or kidneys.

Submitting claims online is hassle-free as long as your  veterinary clinic is registered, ensuring smooth reimbursement.

However, there are certain exclusions to their coverage. This includes preventive and routine treatments, pre-existing conditions, food poisoning, AIDS-related conditions, prosthetic devices, and foreign object removal.

It’s worth noting that when you enroll in their insurance, you agree to have your pet microchipped within 7 days. This is for the safety of your pet and to prevent any fraudulent activities.

Regarding the financial aspects, the annual limit is typically the same regardless of your pet’s breed, but specific details can be discussed during a consultation. Below is a table providing information on the expected premium and annual limit:


Premium Premium Annual Limit
Cat Basic RM 299 Dog Basic RM 499 RM 3,500
Cat Plus RM 399 Dog Plus RM 649 RM 5,000
Cat Champion RM 499 Dog Champion RM 799 RM 8,000


For a more precise price estimate tailored to your specific circumstances, you can easily obtain a complimentary quote by registering on their website.

Additionally, it’s important to be aware that they offer a 90% reimbursement rate. This means they will cover 90% of your medical expenses, while the remaining 10% will be your responsibility.


3.   CG Cover Pet Insurance

COVERAGEVeterinary bills, Death benefits, Burial or cremation cost, Boarding kennel & cattery fees
OPERATING HOURSMon-Fri 9:00am-5:00pm


CG Cover as an insurance company strives to help you live life worry-free and this extends into their pet insurance plan.

There are three plans to choose from, each with varying annual limits and premiums. Premiums depend on the policyholder’s financial situation, and CG members are eligible for a 10% discount.

The coverage includes all the basic necessities for pet insurance. This encompasses veterinary expenses for injuries or illnesses, reimbursements for boarding during hospitalization, costs associated with advertising and rewards for lost pets, and third-party liability coverage.

One of the unique benefits offered is the reimbursement of the purchase price or adoption fee in the unfortunate event of a pet’s unexpected demise. In line with this, CG Cover also covers any burial or cremation costs.

A table detailing the annual limits of the three plans is provided below:


Benefits Plan 1 Plan 2 Plan 3
Veterinary and surgical Fees RM 2,000 RM 3,500 RM 5,000
Death from illness or injury RM 2,000 RM 3,500 RM 5,000
Burial or cremation costs RM 1,000 RM 1,000 RM 1,000
Advertising and reward costs for recovery of missing pet RM 1,000 RM 1,000 RM 1,000
Boarding kennel and cattery fees for pet RM 1,000 RM 1,500 RM 2,500
Third-party liability cover RM 50,000 RM 75,000 RM 100,000


If you’re interested, please submit your application through their website, and a representative will reach out to you with a personalized quote.

Pet insurance is not yet widely adopted in Malaysia, but pet lovers like yourself are the reason some providers still exist here!

Due to the limited number of providers in the country, there’s limited information available about the service. Here are a few important things to note:

Microchipping Requirement: To prevent insurance fraud, pet insurance providers now require pets to be microchipped, with the chip numbers recorded.

Pet Care Coverage: Some plans include coverage for pet boarding in case you are hospitalized and unable to care for your pet yourself.

Early Enrollment Is Advised: Similar to insurance for humans, it’s advisable to start a pet insurance plan when your pet is young. Most plans do not cover pre-existing conditions, so it’s better to have them insured before they develop any health issues.



That’s the end of our list of the best pet insurance providers in Malaysia. With any of our picks, you can breathe a sigh of relief knowing that your beloved pets are safe and insured!

Article by:
PLC MY Editor
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