If a pet is diagnosed with a chronic illness during the policy year and the coverage plan is upgraded at renewal, will the upgraded coverage continue to apply to that chronic illness after the renewal?

We will send you a renewal notice 30 days before your policy end date. After receiving the renewal notice, you can log in to [My Account] to upgrade your plan. Please note that the upgrade does not apply to pets aged 12 years or older. If your pet has shown symptoms, been diagnosed, received medication, or undergone medical advice or treatment for a chronic condition before the upgrade plan, that chronic condition will be considered a pre-existing condition, and additional coverage for it will not apply under the upgraded plan.

If your pet is 5 years old or older at the time of the upgrade, and unfortunately develops a new chronic condition after the waiting period, the upgraded plan will cover this condition during the first policy year after the upgrade. However, in subsequent renewal years, coverage for that chronic condition will revert to the original terms and conditions of the non-upgraded plan, and the original coverage amount will remain unaffected.

Please refer to the Policy Documents for detailed information on the coverage provided under the upgraded plan.

*For the list of Chronic Medical Conditions, please refer to the Policy Wording.