Some providers will allow you to switch to a different policy type from maximum benefit pet insurance if you decide you want to change your cover. However, the terms of the new policy will depend on your provider. If you've made claims on your pet insurance, your provider may consider the conditions you claimed for to be 'pre-existing' conditions. Pre-existing conditions are normally excluded from standard pet insurance cover. To get cover for these conditions, you will likely need to get special pet insurance policies for pre-existing conditions or otherwise take out a policy with those conditions excluded. But, if you have not sought any treatment for these conditions in the past 24 months, some providers may be willing to cover them without considering them pre-existing conditions. This is something to look out for when you're shopping for policies or switching to a different policy type with your current provider.