Changing Your Coverage

Downgrading Coverage

You can downgrade your coverage at any time. Downgrading means:

• Increasing your deductible. For example, from $200 to $300 or from $300 to $500.
• Decreasing your annual maximum. For example, from $10,000 to $5,000.
• Decreasing your reimbursement from 90% to 80% or 65%.
• Removing prescription drug coverage from your policy.

You can contact us via e-mail or phone to let us know that you'd like to downgrade. We'll work with you to make any changes and take care of all billing refunds and document changes that result.

Upgrading Coverage

You can upgrade your coverage at any time but your pet will be subject to re-undewriting (including waiting periods). What this means is that any prior claims paid or any illnesses or conditions that occurred prior to the upgrade date, even if you haven't seen a vet yet, will be considered pre-existing.

We advise all our pet parents to choose their coverage limits wisely when enrolling.

If you did not select prescription drug coverage with your policy when you signed up you can add it at any time. The coverage will be subject to a 14-day waiting period and won't cover prescriptions for conditions that occurred prior to you adding drug coverage.

Adding Wellness or Dental Rewards

Currently you are able to add Wellness or Dental Rewards when you first enroll or when your policy renews. We do not currently have a way to add a rewards plan in the middle of a policy term, sorry!

Removing Wellness or Dental Rewards

If you cancel your Wellness or Dental Rewards during the year, we will refund you the unused amount of your fees minus any Rewards benefits paid out. If you do cancel your rewards plan in the middle of the year, you may not be able to sign up for it again later.