Can I change my policy at renewal?

You can request changes to your policy, as soon as you receive your renewal notice email. Here’s what you can adjust only at renewal time: 

- Increasing the benefit percentage 

- Decreasing your annual excess 

- Adding Optional Extra Benefits if your pet is less than 3 years old 

- Including vet consultations to your coverage 

Please note: If you choose to increase your coverage, be aware that new exclusion periods will apply to the enhanced portion of your coverage from the date of the renewal. This may also include exclusions for pre-existing conditions under the increased coverage. 

If you want to reduce your coverage, you can do this at any time.  

If you choose to reduce your annual limit, please remember you won’t be able to increase it again later without starting a new policy.