When will my pet's coverage begin? What does waiting period mean?

After you have successfully purchased a policy, your pet's coverage will begin after the waiting period. We understand it can be frustrating to not have immediate coverage. But like most insurers, we do this to prevent pet owners from buying policies after their pets get sick or injured, and making claims for existing conditions. If we did allow it, the cost of insuring pets would greatly increase and the premiums would become much higher for all pet owners. 

For policies that are effective on or before 12 Jan 2022, a 180-day waiting period will be posed for cancer, orthopedic conditions, chronic renal disease and hereditary conditions; For policies that are effective from 13 Jan 2022 and onwards, only cancer will be imposed a 180-day waiting period.