---
title: How Do I Change My Pet's Coverage? | Embrace Pet Insurance Help Center
description: Embrace offers personalized, affordable pet insurance for dogs & cats with up to 90% back at any vet. Add a wellness plan for total protection. Get a free quote for your pet's customized policy.
lastUpdated: 2025-10-02T19:06:14.000Z
sources:
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  md: https://www.embracepetinsurance.com/help/article/how-do-i-change-my-pet-s-coverage.md
---

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[How Do I Change My Pet's Coverage?](/help/article/how-do-i-change-my-pet-s-coverage)
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# **How Do I Change My Pet's Coverage?**

How to change your pet's coverage to best fit their needs.



## How Can I Increase My Coverage?

You can increase your pet’s coverage at any time, but it’s important to know that your policy is subject to re-underwriting. This is like starting a new policy. Meaning that [waiting periods](https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have) are reset and any injuries or illnesses that were symptomatic or diagnosed prior to increasing coverage would be considered [pre-existing.](https://www.embracepetinsurance.com/help/article/what-are-pre-existing-conditions-and-does-embrace-cover-them)

Increasing coverage includes:

- Increasing the Annual Maximum
- Increasing the Reimbursement Percentage
- Decreasing the Annual Deductible
**Note:** Increasing coverage **cannot** be done via your [MyEmbrace](https://my.embracepetinsurance.com/#/Login?returnUrl=%252FHome) customer account online or in the Embrace Pet Insurance app. Please [contact us](https://www.embracepetinsurance.com/contact-us) to increase coverage for your pet.

## How Can I Decrease My Coverage?

You can decrease your pet’s coverage any time during your policy year without interruption to [waiting periods](https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have) or coverage.

Decreasing coverage includes:

- Decreasing the Annual Maximum
- Decreasing the Reimbursement Percentage
- Increasing the Annual Deductible

## How Do I Decrease My Pet's Coverage On MyEmbrace?

1. Log in to [MyEmbrace](https://my.embracepetinsurance.com/#/Login?returnUrl=%252FHome) and select **Change Coverage** from the **Quick Links** menu

![The Change Coverage is found in the left side menu from the Quick Links under Policy Overview.](//images.ctfassets.net/cy68knbg9g5b/2j4z9XKiYd8MFY0DQiQ7dD/edb9423f6f0ca533e9776e8635141523/1-_Policy_Overview__1__-__Change_My_Pet-s_Coverage.jpg?w=804)
2. If you have more than one pet on the policy, select **Change Coverage** for the pet you'd like to make changes to

![Two pets are shown in the image below. Select the pet to change coverage for the one you'd like to update.](//images.ctfassets.net/cy68knbg9g5b/3BKFK97ynSB7N0IlkzTu2O/b39b1c5d1dfa5f939928fa17eb9cee72/2-_Coverage_Summary__1_.jpg?w=804)
**Note:** If your policy is up for [renewal](https://www.embracepetinsurance.com/help/article/what-is-the-process-for-renewing-an-embrace-policy), you will be redirected to a page that will ask you if you want to make changes to your current policy or as of your renewal.

- By selecting **Update Renewal Policy**, changes won't take effect until your renewal date
- By selecting **Update Current Policy**, changes will take effect at 12:01am ET two days from the date the change was initiated

![The image shows instructions to choose between updating your current policy, effective in two days, or updating your renewal policy, effective on the renewal date.](//images.ctfassets.net/cy68knbg9g5b/5fplvWzqz5Ownawd3oXqrq/fa91dc04c83daa611b74c8e4782187d9/2-_Cont.__1__-_How_Do_I_Change_My_Pet-s_Coverage.jpg?w=804)
3. The coverage options that are available to your pet are displayed on this page and      you’ll see the new premium associated with the changes you make

The current coverage is labeled **Current** so you can compare the changes

Adjust coverage by selecting the available options:

- [Annual maximum, reimbursement percentage, & deductible](https://www.embracepetinsurance.com/help/article/how-can-i-personalize-my-policy-through-embrace-to-best-fit-my-needs)
- Add or increase [Wellness Rewards](https://www.embracepetinsurance.com/help/article/what-is-embrace-s-wellness-rewards)

  - Adding or increasing Wellness Rewards requires a one-time [back-payment](https://embracepetinsurance.com/help/article/what-is-the-process-for-wellness-back-payment) for all months to the start of your current policy period. Because Wellness Rewards is a non-insurance benefit, it is not prorated. If you would rather add Wellness Rewards at your renewal, please proceed changing coverage without it & [contact us](https://www.embracepetinsurance.com/contact-us) after
Select **Review Plan**

![The image displays coverage options for your pet, showing the new premium with any changes. Current coverage is labeled for easy comparison, and you can adjust options like annual maximum, reimbursement percentage, deductible, or add Wellness Rewards.](//images.ctfassets.net/cy68knbg9g5b/zv0RZ3aULf4F15NDX05rS/32f29dad32038c5d389907ee0a9fe815/3-_Choose_a_Plan__1_.jpg?w=804)
4. Your pet’s new coverage will be displayed here, including the annual deductible,          annual maximum, reimbursement percentage, and premium

Select **Next**

![The image shows your pet's new coverage details, including the annual deductible, maximum, reimbursement percentage, and premium. Select 'Next' to continu](//images.ctfassets.net/cy68knbg9g5b/13BviQtYkE3hIK4Vs0hSnd/85438bfc1b38232fb279b4ab02cda680/4-_Coverage_Summary__1_.jpg?w=804)
**Note:** If you decrease coverage, increasing coverage later will reset your pet's [waiting periods](https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have) regardless of the coverage you changed from.

5. Review changes, including totals or credits due. You must check the box indicating that you have read all required documentation and agree to our terms and conditions before moving forward

Select **Finalize Changes**

![Review changes, including totals or credits, and check the box to agree to terms and conditions before selecting 'Finalize Changes' to proceed.](//images.ctfassets.net/cy68knbg9g5b/56A1DcESRFLu71x1CHpIFf/099b53ab0f56711d88a64c7c7004746f/5-_Finalize_Changes__1__How_Do_I_Change_My_Pet-s_Coverage.jpg?w=804)
6. You will be directed to your confirmation page that provides links to all policy documents, a summary of your plan updates, your new premium, and totals or credits due

Any totals or credits due will be applied to your payment method on file

![This is a confirmation page with links to policy documents, a summary of updates, the new premium, and any totals or credits due, which will be applied to your payment method.](//images.ctfassets.net/cy68knbg9g5b/70inU6d1GqSx3qrvoZ93yI/6e8ffd631bddd32eae4f11788b7d2b4f/6-_Success.jpg?w=804)

## Why Am I Unable to Change Coverage Via MyEmbrace?

- A change has been made to your policy within the last 24 hours
- A change has been made since your renewal was created
- You are within 5 days of your renewal date
- Any pet on your policy has Accident Only coverage
If any of these scenarios apply to you or you're having trouble changing your coverage, please [contact us](https://www.embracepetinsurance.com/contact-us).




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## Still Have Questions?

Get in touch with our Insurance and Claims Experts

##### Customer Care

Monday - Friday: 9 am - 8pm ET

Saturday: 10 am - 2pm ET

Phone: (855) 540-2104*

Fax: (800) 238-1042

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Monday - Friday: 9 am - 8 pm ET

Saturday: 10 am - 4 pm ET

Phone: (855) 540-0591



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