As long as You continue to hold the cover, pay Your Premium when it falls due and meet the conditions of cover, We will not refuse to provide You with a Renewal Policy due to the number of claims You may have made or if Your Pet has developed chronic conditions.

However, please note that we may change the terms and conditions of your cover over time, and your policy renewal may reflect these changes, based on factors including, but not limited to, a pet’s age, breed, and general increase in the cost of veterinary treatment. This may lead to an increase in your premiums.