Can I Change My Coverage Later?

Yes, most pet insurance companies let you adjust your deductible, reimbursement rate, or add-ons during annual renewal—but not always mid-year.
Source: BestPetPlanGuide.com

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What you can usually change:

• Increase deductible

• Adjust reimbursement %

• Add or drop wellness riders

What you usually can’t change mid-policy:

• Switch to accident-only

• Re-include excluded conditions

Important: Downgrading coverage may reduce your premium, but any change may come with new waiting periods.