Downgrading

This lowers your premium and will not impact your coverage. Downgrading means:

  • Increasing your annual deductible. For example, from $300 to $500.
  • Decreasing your annual maximum. For example, from $15,000 to $10,000.
  • Decreasing your reimbursement from 90% to 80% or 65%.

Upgrading

When upgrading coverage, your pet will be subject to re-underwriting, including waiting periods. This means that any illnesses/conditions that occurred prior to the upgrade date, even if you haven't seen a vet yet, will be considered pre-existing and will not be covered moving forward. Upgrading means:

  • Decreasing your deductible. For example, from $500 to $300.
  • Increasing your annual maximum. For example, from $5,000 to $10,000.
  • Increasing your reimbursement from 80% to 90%.

How to Downgrade/Upgrade Your Policy

You can downgrade or upgrade your policy at any time. Downgrades can be done via your MyEmbrace account both online and in the Embrace Pet Insurance app. Both downgrades and upgrades can be done via e-mail or by giving us a call at (800) 511-9172 (Monday - Friday 8:30 a.m. - 8 p.m. and Saturday 9 a.m. - 1 p.m. ET). We'll work with you to make your desired changes.