MSIG Pet Insurance provides cover for veterinary costs when your pet falls ill or gets injured in an accident. Cover is also provided if your pet dies, got lost or stolen or causes accidental injury to a Third Party or damages Third Party’s property.

You must be at least 18 years old and the owner of the pet at the time of applying insurance.

We cover only micro-chipped cats or dogs, dogs with licensed by the Government or Public or Local Authority and aged between 12 weeks to 9 years at the commencement date of this Policy. We do not provide cover for any banned or restricted breeds, working pets, pre-existing injuries or physical disabilities. 

Yes, you have the freedom to choose any licensed veterinary clinic in Malaysia.

If an official receipt is not available in your submission of claim for the death of your pet, then we will only pay up to a maximum amount of RM500 assuming that the claim is payable.

MSIG Pet Insurance does not cover behavioural illness, elective procedures, food, grooming, pregnancy and any pre-existing conditions that your pet showed signs of before you took out the insurance, or during the waiting period. There are other exclusions which are not possible to name here, but you can request for policy terms and conditions for further details.

You may cancel your policy at any time by notifying us in writing. If you cancel your policy within the 15-day free-look period, we will refund the entire premium you initially paid.  For policy cancellation after the 15-day free-look period, the refund of premium is based on pro-rate basis, depending on how long the cover has been in force.

We may at any time cancel your policy by sending 7 days notice in writing to your last known address by registered mail or electronic mail. The refund of premium is based on pro-rate basis, depending on how long the cover has been in force.

In any event, the refund of premium will be given provided no claim has been made during the current period of insurance.

Please write to the Company providing full details within 7 days upon receiving notice of or sustaining any injury, illnesses or loss of your pet that may give rise to a claim. You may contact any MSIG Branch or your Insurance Adviser to obtain a copy of the claim form.  

Submit the completed claim form to the Company together with all relevant documents as soon as possible.

Just complete the attached proposal form here and send it to us, or your Insurance Adviser. 

If you have a complaint about our products or services, or you are not satisfied with the rejection or offer for any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.

If you are still not satisfied with the decision, you can refer either to the Customer Services Bureau of Bank Negara Malaysia or Ombudsman for Financial Services (OFS), free of charge.

Ombudsman for Financial Services (OFS)