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 orthopedic conditions, cancer, hereditary conditions and chronic renal disease, the waiting period is 180 days after the policy start date. For other illnesses and accidents, the waiting period is 28 days after the policy start date.