Malayan Insurance Pet Insure (Dogs Only)
Malayan Insurance Pet Insure is an insurance designed for furbabies and pawrents. Pet Insure offers a 3-in-1 package benefit such as Medical Reimbursement, Pet Owner’s Liability, and 24/7 pet owner’s personal accident cover.
Jump to:
- Coverage
- Eligibility
- Purchase Malayan Insurance Pet Insure
- Claims
- Cancellation
- Contact Malayan Insurance
Coverage
Note: The owner’s liability covers both bodily injury and property damage caused by the insured dog's actions to a third party. This includes liability if the dog bites a non-insured third party.
| Products Features and Benefits | Limits (in PHP) |
| SECTION 1 – MEDICAL REIMBURSEMENT | |
|
Per Occurrence Limit |
30,000.00 |
|
Annual Aggregate Limit |
100,000.00 |
|
Burial Assistance (due to Euthanasia only) |
10,000.00 |
|
Cruciate Ligament Injuries per Leg (Part of MR limit) |
15,000.00 |
| SECTION 2 – OWNERS LIABILITY (THIRD PARTY) | |
|
Per Occurrence Limit |
50,000.00 |
|
Annual Aggregate Limit |
250,000.00 |
| SECTION 3 – PERSONAL ACCIDENT COVER* | |
|
Accidental Death |
50,000.00 |
|
Total Permanent Disability |
50,000.00 |
|
Disablement or Dismemberment |
50,000.00 |
*Limit forms part of and not in addition to the Medical Reimbursement limit
**Subject to a maximum accumulated limit of PHP 100,000.00 per Insured pet owner with multiple policies.
***Subject to schedule of indemnity relative to extent of injury
| Deductibles | |
|
Section 1 - Medical Reimbursement |
PHP 5,000.00 each and every loss Euthanasia Burial Assistance Benefit – NIL |
|
Section 2 – Owner’s Liability |
Third Party Bodily Injury – NIL Third Party Property Damage – 5% of loss amount, minimum of PHP 5,000.00, each and every loss |
|
Section 3 – Personal Accident Cover |
NIL |
Note: Any veterinarian or clinic is acceptable as long as they are properly licensed by the regulatory bodies.
The policy does not specify which illnesses are covered. Exclusions include:
- Conditions related to teeth: Dental issues, such as tooth decay or gum disease, are not covered under our Pet insurance policy
- Illnesses for which a vaccine is available: Any illness for which a vaccine is readily available, such as rabies or canine parvovirus, falls under the exclusion list
- Illnesses related to anal glands: Conditions affecting the anal glands, including anal gland impaction or infection, are not covered by our policy
- Illnesses related to behavior: Illnesses or conditions stemming from behavioral issues, such as anxiety-related disorders or compulsive behaviors, are excluded from our coverage
- Inherited or Congenital Disease: Diseases or conditions that are inherited or present at birth, such as hip dysplasia or certain heart conditions, fall under this exclusion
- Parasite-related diseases: Illnesses caused by parasites, such as fleas, ticks, or heartworm, are not covered by our Pet insurance policy
- Specifically excluded diseases: Some specific diseases or conditions may be explicitly excluded from our coverage. Please refer to your policy documentation for a comprehensive list of such exclusions
Eligibility
You can avail of this product if you are:
- 18-65 years old
- A Filipino or legal resident of the Philippines
- A Fully Verified GCash user
- An owner of a dog between the age of 6 months and 8 years
Purchase Malayan Insurance Pet Insure
Note: You cannot buy this policy for anyone else. The insured must be the one to purchase and provide pertinent details and declarations with respect to the pet to be insured. Upgrading of the policy is not allowed.
There is no limit to the number of policies each GCash user or pet owner may purchase under their name provided each policy covers a different pet, satisfying that only one (1) policy shall be in force per pet per policy period. Provided further that the maximum allowable accumulated limit for Personal Accident Cover shall be PHP 100,000.00 only, regardless of the number of insured pets or policies in force.
Note: Your coverage begins at 12:01 AM Philippine Standard Time the day following the date of activation.
Claims
To file a claim for Malayan Insurance Pet Insure, please send a claim request through the Malayan Claims Form. Below are the required general documents when filing your claim:
General Requirements
|
Certificate of Cover and Copy of Policy, or Policy Number |
Government-issued I.D./Company or School I.D. showing complete home address and signature of Insured, with photo |
|
Pedigree Certificate and/or RFID or microchip scanned serial number, only if submitted during policy issuance |
Pet Photo |
|
Written Incident Report |
|
In addition to the general requirements, the following documents must be submitted:
Section 1 – Medical Reimbursement For Sickness/Illness Claims:
Pet Baby Book/Veterinarian’s Records |
Certification of the attending Veterinarian on the illness or nature of treatment and health condition of the pet |
|
Prescription of the Veterinarian for Medical Treatment |
Original Receipts of Medical Treatment and Medication of the pet |
For Accident-Related Claims
|
Pet Baby Book/Veterinarian’s Records |
Certification of the attending Veterinarian on the illness or nature of treatment health condition of the pet |
|
Prescription of the Veterinarian for Medical Treatment |
Original Receipts of Medical Treatment on the pet |
| Police Report or Affidavit of how the accident happened | |
For Burial Assistance Benefits Claims (For Euthanasia only)
Pet Baby Book/Veterinarian’s Records, |
Certification of the attending Veterinarian on the illness or nature of treatment and health condition of the pet |
|
Veterinarian’s Certification and reason for euthanizing the pet. |
|
Section 2 – Owner’s Liability
For Third Party Property Damage Claims
|
Written demand of the third party |
Itemized list of damaged property/ies |
|
Photographs of damages items/property |
Estimate of repair/replacement of damaged item/invoice/quotation |
|
Quit claim of the third party |
|
For Third Party Bodily Injury Claims
|
Written demand of the third party |
Death Certificate (Original/PSA Copy) of third party (in case of death) |
|
Medical Certificate/Clinical/Emergency room report of third party’s bodily injury/ies |
Original official receipt/s of medical expenses incurred by third party |
|
Statement of account from the hospital (if confined) |
Employment certificate with monthly compensation (if any) |
|
Valid ID of third party |
Quit claim of third party |
Section 3 – Personal Accident
For Accidental Dismemberment and/or Disablement Claims
|
Certified true copy of Certificate of Confinement or Medical Certificate |
Statement of account / hospital billing and records of confinement (original copy) |
|
Operating room report (if an operation was done) |
Certification from the attending physician if total disability |
| Picture of claimant with the affected part | |
For Accidental Death Claims
|
Valid ID of Insured pet owner and his/her beneficiary |
PSA Death Certificate (original and authenticated) |
Affidavit of how the accident happened or duly notarized police report |
A certified true copy of Post mortem exam if claimant died in the hospital |
|
PSA Marriage Certificate (original and authenticated) – if the beneficiary is the spouse |
PSA Birth Certificate of the claimant (original and authenticated) – if the beneficiary is parent/child |
|
PSA Birth Certificate of the claimant and beneficiary (original and authenticated) – if the beneficiary is brother/sister |
Filled out Client Information Sheet of the beneficiary |
The claim proceeds are paid through Fund Transfer. The following are the required documents:
- Certification bearing bank account details (preferably RCBC account; other bank accounts will still be subject for management's approval) duly signed by the Insured. (Template will be provided)
- Valid ID of the signatory on the release documents
- Any document that will prove or show Insured's bank details
- Signed Release Document (Template will be provided)
Note: The amount that can be claimed is subject to the submitted official receipts for reimbursement and the limit of coverage. Items excluded from the policy will not be reimbursed.
Pet Insure has a waiting period of seven (7) days for one month, fourteen (14) days for three months, and thirty (30) days for six months, nine months, and one year cover from the effectivity of the policy in respect of Section 1 - Medical Reimbursement.
During such time, if the pet is diagnosed or suffers from any injuries, sickness, or illness, any expense necessarily incurred to relieve the pet of such condition shall not be recoverable or reimbursable from the policy.
Cancellation
The insured may opt to cancel the policy and may be entitled to a premium refund subject to the short-period rate scale. Please contact Malayan Insurance to cancel your policy.
Contact Malayan Insurance
To contact Malayan Insurance, please check out their available channels below:
- Hotline: +632-8628-8628 or +632-8242-8888 local 8628
- Email: csc@malayan.com
- Website: https://www.malayan.com/contact-us