Can I change Pawfect Care policy plan any time after enrolment?
Once the Pawfect Care insurance application is confirmed with submission, the policy plan cannot be adjusted in the middle of the policy period. If you wish to make any change to your policy, for example, switching to a different coverage plan, you may apply to do so within 30 days prior to the policy renewal date, subject to our approval. We reserve the right to alter the premiums and policy terms following a change in coverage plans.
Please be aware, any plan adjustment may affect policy coverage or else may even require re-underwriting. The current restrictions on policy plan upgrade, are as the follows:
1. Newly added benefits and additional annual coverage will be subject to waiting periods before they are effective, and will not apply to pre-existing conditions*;
2. If the insured pet is aged 5 or above by the time of the plan upgrade, the newly diagnosed chronic illnesses# will enjoy the upgraded plan coverage. Whilst, the coverage of those diagnosed chronic illnesses will revert to the original plan by renewals thereafter.
No re-underwriting is required to undergo plan downgrading by policy renewal. However, if policyholders decide to upgrade the plan again in the future, re-underwriting is required and the same plan upgrade restrictions stated above will be applied.
Pawfect Care insurance aims to provide relevant health guard protection and to share financial burden with the owners in taking good care of their furry friends in long run. For this reason, we sincerely recommend the owners to clearly consider the most suitable medical plan for making enrolment decision.
To learn more about the precautions of policy plan change decision, please refer to What are the precautions I should consider with when making plan change decision for Pawfect Care Insurance?
* For more details about “Pre-existing condition”, please visit: https://www.onedegree.hk/en-us/faq/article/what-is-a-pre-existing-condition
# For more details about chronic illnesses, please visit: https://www.onedegree.hk/en-us/faq/article/what-is-considered-a-chronic-illness-and-is-it-covered