PET CARE INSURANCE POLICY
Page 1 of 3
the Insured described in the Schedule hereto has by aproposal and declaration which shall be the basis of this contractand deemed to be incorporated herein has applied to
KURNIAINSURANS (MALAYSIA) BERHAD
(hereinafter called “theCompany”) for insurance hereinafter contained and has paid oragreed to pay the premium in respect of such insurance asconsideration for the Insurance during the Period of Insurancestated in the Schedule and for which same may be renewed.
Now the Policy witnessed
that subject to the terms andconditions contained herein or endorsed or otherwise expressedhereon the company will indemnify the Insured in the manner andto the extent hereinafter provided in the Policy in respect of eventshappening within the Territorial Limit during the period of insurance.The Company’s liabilities to the Insured shall not exceed the Limitof Liability or Sum Insured shown in the Schedule:
shall mean KurniaInsurans (Malaysia) Berhad.2.
shall mean the person specified in theSchedule and/or Certificate of Insurance as the Policyholderand owner of your pet.3.
Your Pet/Insured Animal/Pet
shall mean your cat or dognamed and described in the Schedule and/or Certificate of Insurance.4.
shall mean your spouse, children, parent andother relatives normally living with you.5.
shall mean a Registered Veterinary Surgeon recognized bythe Malaysian Veterinary Council.6.
Period of Insurance
the date shown on theSchedule and/or Certificate of Insurance.7.
shall mean a specifically identifiable accident, injury,disease or conditions. Recurring and/or chronic conditions shallbe considered as one loss. Such conditions being defined as:a) Clinical manifestations resulting in the same diagnosis(regardless of the number of incidents or areas of thebody affected) to which your pet has an on goingpredisposition or susceptibility related in any way to theoriginal claim; orb) Conditions that is incurable and likely to continue for theremainder of your pet’s life.8.
shall mean sudden and unexpected event whichhappen during the period of insurance which results in deathand/or injury to your pet.9.
shall mean bodily injury caused by an accident.10.
shall mean disease, sickness or infection which is notcaused by injury.11.
shall mean any examination, consultation, advice,tests, x-rays, medication, surgery, nursing or care provided bya Vet.12.
shall mean the first amount of each and every claimwhich you must pay, as shown on the Schedule and/orCertificate of Insurance.13.
shall mean any injury, illness or disease or anysymptoms or signs of injury, illness or disease including relatedproblems.14.
shall mean conditions which existedprior to the inception of policy are not covered under this policyunless otherwise stated by us. However, if the pet is free fromsymptoms, treatment, medication, tests or advice theconditions for a period of one continuous year at the inceptiondate of cover the condition would be eligible for cover.15.
Territorial Limit –
within Malaysia only.16.
Age Limit –
from 4 (four) months to 8 (eight) years old.17.
shall mean fees charged by a vet for atreatment of a condition that our pet has received during thepolicy year for an illness or injury.
A. VETERINARY FEES
We will pay you all customary charges made for treatmentcarried out by a vet. Cover is provided for an accident orillness occurring to your pet, subject to the sum insured asspecified in the Schedule and/or Certificate of Insurance.The limit of cover and excess are on a per incident basissubject to the annual limit as per plan chosen.
The company will not be liable for:a) The excess amount of each and every claim whereapplicable and as specified in the Schedule and/orCertificate of Insurance.b) Any treatment after the policy has lapsed/expired.c) Any expenses not supported by a signed receipt by avet.d) Veterinary fees in connection with:i) Any pre-existing conditions or illness unless agreedby us.ii) Any illness or disease arising prior to or within 30(thirty) days of the inception date of the insurance.(This exclusion is not applicable to renewed policies) iii) Preventative and elective treatments, vaccination,routine examinations and treatment, whelping,kittening and any treatment in connection withpregnancy or parturition.iv) Organ transplant.v) Behavioural problems and training unless causedas a direct result of an insured incident occurringduring the period of insurance.vi) Non-essential hospitalisation and/or house calls.vii) All supplements, diet foods, vitamins of all kindsand all pet grooming products, including shampoo,body care and the likes.viii) The cost of dentistry.ix) Any claim for any form of special diet,housing, or bedding needed for the treatment ororiginal well being of the insured pet.x) Any claim for cryptorchism.xi) Any claim as a result of a ‘notifiable’ disease(vicious or aggressive behaviour) e.g. Rabies.xii) Skin disease of any kindxiii) Diseases due to tick and fleas.
B. ACCIDENTAL DEATH
We will pay you the sum insured as specified in the Scheduleand/or Certificate of Insurance in the event your pet diesfrom accident, or in the event of humane destruction, if certified by a vet necessary to alleviate incurable andinhumane suffering of the pet, due to accident.
C. KENNEL OR CATTERY FEES
We will reimburse you for boarding kennel or cattery fees, ina licensed boarding establishment, veterinary clinic orhospital up to the maximum amount as specified in theSchedule and/or Certificate of Insurance in any one period of insurance in the event that you are hospitalised on medicaladvice for a period exceeding 3 days.
We will not be liable for:a) Your hospitalisation as a result of pregnancy.b) Any known medical conditions likely to give rise tohospitalisation at the inception date of this purchase.
D. BURIAL OR CREMATION EXPENSES
We will reimburse you up to the sum insured as specified inthe Policy Schedule and/or Certificate of Insurance for thecost incurred by you in giving your pet a burial or cremationin the event of death to your pet.