Coverage

What is a pet insurance waiting period?

The 15-day waiting period, which begins the day after you enroll, is a set period of time before your coverage kicks in and you can be paid back for claims. Here’s what you need to know about the waiting period:

  • We cover injuries and illnesses that occur after the waiting period is over.
  • Any claims you submit during the waiting period will not be covered. 
  • Any injury or illness that occurs during the waiting period will be considered a pre-existing condition, which means it won’t be eligible for coverage.

There’s also a 6-month waiting period before injuries of the hips and knees can be covered. 

You can waive the waiting period for knee injuries by having your pet examined by a vet in the first 30 days of your policy to determine that they don’t have any relevant pre-existing conditions.

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