UW-NM-F310
REV: A
PET CARE INSURANCE POLICY
WHEREAS the Insured described in the Schedule hereto has by a
proposal and declaration which shall be the basis of this contract
and deemed to be incorporated herein has applied to KURNIA
INSURANS (MALAYSIA) BERHAD (hereinafter called “the
Company”) for insurance hereinafter contained and has paid or
agreed to pay the premium in respect of such insurance as
consideration for the Insurance during the Period of Insurance
stated in the Schedule and for which same may be renewed.
Now the Policy witnessed that subject to the terms and
conditions contained herein or endorsed or otherwise expressed
hereon the company will indemnify the Insured in the manner and
to the extent hereinafter provided in the Policy in respect of events
happening within the Territorial Limit during the period of insurance.
The Company’s liabilities to the Insured shall not exceed the Limit
of Liability or Sum Insured shown in the Schedule:
DEFINITIONS
1. We/Us/Our/The Company/KIMB shall mean Kurnia
Insurans (Malaysia) Berhad.
2. You/Your/Yourself shall mean the person specified in the
Schedule and/or Certificate of Insurance as the Policyholder
and owner of your pet.
3. Your Pet/Insured Animal/Pet shall mean your cat or dog
named and described in the Schedule and/or Certificate of
Insurance.
4. Your Family shall mean your spouse, children, parent and
other relatives normally living with you.
5. Vet shall mean a Registered Veterinary Surgeon recognized by
the Malaysian Veterinary Council.
6. Period of Insurance shall mean the date shown on the
Schedule and/or Certificate of Insurance.
7. Incident shall mean a specifically identifiable accident, injury,
disease or conditions. Recurring and/or chronic conditions shall
be 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 the
body affected) to which your pet has an on going
predisposition or susceptibility related in any way to the
original claim; or
b) Conditions that is incurable and likely to continue for the
remainder of your pet’s life.
8. Accident shall mean sudden and unexpected event which
happen during the period of insurance which results in death
and/or injury to your pet.
9. Injury shall mean bodily injury caused by an accident.
10. Illness shall mean disease, sickness or infection which is not
caused by injury.
11. Treatment shall mean any examination, consultation, advice,
tests, x-rays, medication, surgery, nursing or care provided by
a Vet.
12. Excess shall mean the first amount of each and every claim
which you must pay, as shown on the Schedule and/or
Certificate of Insurance.
13. Condition shall mean any injury, illness or disease or any
symptoms or signs of injury, illness or disease including related
problems.
14. Pre-existing Condition shall mean conditions which existed
prior to the inception of policy are not covered under this policy
unless otherwise stated by us. However, if the pet is free from
symptoms, treatment, medication, tests or advice the
conditions for a period of one continuous year at the inception
date 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. Veterinary fees shall mean fees charged by a vet for a
treatment of a condition that our pet has received during the
policy year for an illness or injury.
Page 1 of 3
BENEFITS
A. VETERINARY FEES
We will pay you all customary charges made for treatment
carried out by a vet. Cover is provided for an accident or
illness occurring to your pet, subject to the sum insured as
specified in the Schedule and/or Certificate of Insurance.
The limit of cover and excess are on a per incident basis
subject to the annual limit as per plan chosen.
Exclusions
The company will not be liable for:
a) The excess amount of each and every claim where
applicable and as specified in the Schedule and/or
Certificate of Insurance.
b) Any treatment after the policy has lapsed/expired.
c) Any expenses not supported by a signed receipt by a
vet.
d) Veterinary fees in connection with:
i) Any pre-existing conditions or illness unless agreed
by 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 with
pregnancy or parturition.
iv) Organ transplant.
v) Behavioural problems and training unless caused
as a direct result of an insured incident occurring
during the period of insurance.
vi) Non-essential hospitalisation and/or house calls.
vii) All supplements, diet foods, vitamins of all kinds
and 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 or
original 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 kind
xiii) Diseases due to tick and fleas.
B. ACCIDENTAL DEATH
We will pay you the sum insured as specified in the Schedule
and/or Certificate of Insurance in the event your pet dies
from accident, or in the event of humane destruction, if
certified by a vet necessary to alleviate incurable and
inhumane suffering of the pet, due to accident.
C. KENNEL OR CATTERY FEES
We will reimburse you for boarding kennel or cattery fees, in
a licensed boarding establishment, veterinary clinic or
hospital up to the maximum amount as specified in the
Schedule and/or Certificate of Insurance in any one period of
insurance in the event that you are hospitalised on medical
advice for a period exceeding 3 days.
Exclusions
We will not be liable for:
a) Your hospitalisation as a result of pregnancy.
b) Any known medical conditions likely to give rise to
hospitalisation at the inception date of this purchase.
D. BURIAL OR CREMATION EXPENSES
We will reimburse you up to the sum insured as specified in
the Policy Schedule and/or Certificate of Insurance for the
cost incurred by you in giving your pet a burial or cremation
in the event of death to your pet.

PET CARE INSURANCE POLICY
Exclusions
We will not pay for any expenses not supported by a signed
receipt of a registered/recognised burial or cremation parlour.
E. THIRD PARTY LIABILITY
We will indemnify you up to the limit of liability (including cost
or expenses of litigation recoverable or incurred subject to our
prior consent) specified in the Policy Schedule and/or
Certificate of Insurance for any claim or series of claims arising
from any one event and in aggregate, if any person is injured
or killed or their property is damaged as a result of an incident
involving your pet and for which you are legally liable.
For this purpose of this section the definition of ‘You’ and ‘Your’
is extended to include any person looking after your pet with
your permission.
Exclusions
The Company will not be liable:
a) The excess amount of each and every claim where
applicable and as specified in the Schedule and/or
Certificate of Insurance.
b) An agreement or contract unless liability would have
existed otherwise.
c) Deliberate acts by you or members of your family.
d) Loss or damage to the property in the ownership, custody
or control of you or your family or household or any
person employed by members of your household.
e) Accidental bodily injury to or disease contracted by you or
a member of your family or persons permanently residing
with you.
f) Accidental bodily injury or disease contracted by any
person who is under a contract of service or
apprenticeship with you when such injury or disease
arises out of and in the course of employment by you.
GENERAL EXCLUSIONS
We will not be liable for:
1. For claims resulting from pre-existing conditions.
2. For death or destruction of your pet as a result of sickness or
disease resulting from the failure to vaccinate your pet in
accordance with the practice recommended by the Malaysian
Veterinary Council or any other relevant authorities.
3. Any claims as a consequence of war, invasion, act of foreign
enemy, hostilities (whether war be declared or not), civil war,
rebellion, terrorism, revolution, insurrection, military or
usurped power.
4. Any claim or liability directly caused or contributed to, by or
arising from:
i. Ionisation radiations or contamination by radioactivity from
any nuclear fuel or from any nuclear waste from the
combustion of nuclear fuel
ii.The radioactive, toxic, explosive or other hazardous
properties of any nuclear assembly or nuclear component of
such assembly.
5. Any claim resultant of intentional slaughter, irrespective of any
order by the Government, Local Authority or any person
having jurisdiction in the matter, except in the case if humane
destruction to alleviate incurable and inhumane suffering.
6. Any animal that is banned by local authority within Malaysia.
7. Malicious or wilful injury or gross negligence to your pet caused
by you, your agents, employees or members of your family.
8. Any claims where medication has not been recommended by a
vet.
9. The use of your pet in connection with any trade commercial
and business purposes.
10. Any loss arising directly or indirectly out of infringement of
Malaysia animal health and importation regulation.
11. Any pet sold or where any financial interest is parted with you,
whether temporarily or permanently.
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UW-NM-F310
REV: A
GENERAL CONDITIONS
You must comply with the following conditions to have the full
protection of your policy.
If you do not comply we may at our option cancel the policy or
refuse to deal with your claim or reduce the amount of any claim
payment.
1. It is warranted that your pet is free from any injury, illness
or physical disability whatsoever at the commencement date
of this insurance. It is further warranted that your pet has
received, at the appropriate time, initial and booster
vaccinations against distemper, hepatitis, leplospirosis and
parvovirus in the case of dogs, against feline infectious
enteritis and feline influenza in the case of cats or as advised
by a vet. All vaccinations must be administered under vet’s
supervision.
2. It is a condition precedent to liability that you will provide
proper care and attention at all times for your pet.
3. You agree that your current or previous vet(s) may release
information or records regarding your pet to us.
4. In relation to any third party liability claims, we may pay up
to the limit of indemnity or lesser compensation and shall be
released from any further liability under this policy. (Except
for cost or expenses of litigation recoverable or incurred with
our consent prior to the date of such payment).
5. If the proposal or declaration of the Insured is untrue in any
respect or if any material fact affecting the risk be
incorrectly stated therein or omitted therefrom or concealed
or if this Insurance or any renewal thereof shall have been
obtained through misstatement, misrepresentation,
suppression or concealment or if any claim made shall be
fraudulent or exaggerated or if any false declaration or
statement shall be made in support thereof then in any of
these cases this Policy shall be void.
6. a) You may cancel this Policy at any time by notifying us in
writing. Provided that no claim has arisen during the
period of Insurance, we shall refund you the premium
for the unexpired period of insurance calculated at our
short-period rates, subject to a minimum premium of
RM50.00 being retained by us.
b) We may cancel this Policy at any time by giving you
fourteen (14) days’ written notice by registered letter to
you at your last known address, and, in such event, we
will return a pro-rata portion of the premium to you for
the balance of the unexpired period of insurance.
7. Your pet must not have previously displayed vicious or
aggressive behaviour.
8. Your pet must be microchip embedded for identification
purposes.
9. Your pet must not be a breed that is banned in Malaysia.
Breed of dogs banned in Malaysia are as follows:
Pit Bull Terrier (also known as American Pit Bull,
American Pit Bull Terrier, American Staffordshire Terrier
and Staffordshire Bull Terrier)
American Bulldog
Neapolitan Mastiff
Japanese Tosa
Akita
Dogo Argentino
Fila Brazilliero
Other breeds that may be banned by the relevant
authorities in future.
CLAIMS CONDITIONS
1. In the event of any accident likely to give rise to a claim
under this Policy the Insured shall within fourteen (14) days
after the happening of the accident give notice to the
Company and furnish full particulars of the accident and
injury.
2. If any liability under this insurance is covered by any other
insurance policy we will not pay more than our rateable
proportion.
 UW-NM-F310
REV: A

PET CARE INSURANCE POLICY

3. We will have the sole conduct and control of any claim and legal
proceeding relating thereto including the right to prosecute in SPECIAL CLAUSES
the name of the insured on any claim, damages or liability.
4. Veterinary Fees - You should obtain at your own expense the RENEWAL BONUS REWARD CLAUSE
original receipts from the vet detailing dates and expenses
incurred. The sum insured for veterinary fees (due to illness and disease) will
5. Accidental Death - You must obtain a veterinary certificate or be increased up to the amount as shown below, provided that:
death certificate or a post-mortem report at your own expense a) the renewal period of insurance is continuous.
stating the date and cause of death. In the event that your pet b) no claim has been made on the current policy upon renewal.
is put to sleep (euthanized), you must obtain a veterinary It is further agreed that in any event resulting in the payment of
certificate stating that this was necessary for humane reasons claims on any Benefit under this policy, the renewal bonus
to terminate the suffering due to accident. reward will be forfeited and the renewal sum insured for veterinary
6. Kennel or Cattery Fees fees (due to illness and disease) will begin anew form the next
a) You should obtain at your own expense the original renewal date.
receipts f rom the vet detailing dates and expenses
incurred. Table of Veterinary Fees Plan 1 Plan 2
b) You must also obtain at your own expense confirmation (due to illness and disease) (RM) (RM)
of the period you were hospitalised and any additional First Year Policy 1,500 2,500
information requested by us. Second Year 1,800 3,000
7. Burial and Cremation Expenses - You should obtain at your
Third Year and onwards 2,100 3,500
own expense the original receipt from the
registered/recognised burial or cremation parlour detailing
dates and expenses incurred. TERRORISM OF EXCLUSION COVER
8. Third Party Liability This insurance does not cover any loss or damage occasioned by
a) You must not admit or accept liability negotiate or make or through or in consequence, directly or indirectly, of any act of
any payment or promise of payment without our prior terrorism.
written consent. For this purpose, act of terrorism means an act including but not
b) You should immediately advise Kurnia Insurans (M) limited to the use of force or violence and/or the threat thereof,
Berhad of any possible claim and submit to us any writ, of any person or group(s) of persons, whether acting alone or on
summons or legal documents that you have received. behalf of or in connection with any organisations(s) or
c) You are required to provide us with all the information government (s), committed for political, religious, ideological or
that we may reasonably require. similar purposes including the intention to influence any
government and/or to put the public any section of the public in
fear.

IMPORTANT NOTICE

1. The Insured shall read this Policy carefully, and if any error or misdescription be found herein, or if the cover is not in accordance
with the wishes of the Insured, advice should immediately be given to the Company and the Policy returned for alteration.

2. Insured who is not satisfied with the course of the action or decision of the Company, may seek redress or assistance with the
Financial Mediation Bureau or alternatively to approach Bank Negara Malaysia’s Jabatan Konsumer dan Amalan Pasaran
(Consumer and Market Conduct Department), addressed below:

a) Financial Mediation Bureau (FMB) b) Jabatan Konsumer dan Amalan Pasaran

Level 25, Blok Utama 8B, Bangunan Bank Negara Malaysia
Dataran Kewangan Darul Takaful Jalan Dato’ Onn
No. 4, Jalan Sultan Sulaiman 50480 Kuala Lumpur
50000 Kuala Lumpur Tel : 03-2698 8044
Tel : 03-2272 2811 Fax : 03-2693 4051
Fax : 03-2274 5752

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