Best Pet Insurance Plans with No Waiting Period (2022)

by | 11/17/2022

Jump To: Spot | Lemonade | Embrace | Healthy Paws | Pets Best | Figo | Trupanion


There are lots of factors to consider when you are looking to get a pet insurance policy. Many people might want pet premiums that gives immediate coverage, but that is not how pet insurance works.

A waiting period is the industry standard for all companies, but some do have a shorter waiting period than others.

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:


9 Pet Insurance Companies with Short Waiting Periods

The following companies do have waiting periods, but they are shorter in nature, and there is also the option with some to get long waiting periods, such as those for orthopedic conditions, shortened with the proper veterinary examination.

Most pet insurance companies offer a 14-day waiting period for both accidents and illnesses, with some running a little shorter for accidents, and some a little longer for illnesses. Here’s a look at the companies:

Provider Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot 14 days* Yes No age limit A
Lemonade 14 days for illnesses*, 48 hours for accidents No 14 years old N/A
Embrace 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws 15 days* Yes 14 years old A-
ASPCA 15 days* Yes No age limit N/A
Prudent Pet 5 days for accidents, 14 days for illnesses* Yes No age limit A+
Figo 1 day for injuries, 14 for illness* Yes No age limit B
Wagmo 15 days for accidents and illnesses* No 15 years old N/A
Trupanion 5 days for injuries, 30 days for illnesses* Yes 14 years old A+
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.

Spot Pet Insurance 


Waiting Period

Five days for accidents, 30 days for illnesses


Lemonade Pet Insurance

Waiting Period

Two days for accidents, 14 days for illnesses, and six months for cruciate ligament events.

Embrace Pet Insurance

Waiting Period

14 days for illnesses and 48 hours for accidents.

Six months for dogs for orthopedic conditions.

Special notes: You can shorten the orthopedic condition waiting period to 14 days if you take the dog to a vet for an orthopedic exam at your expense or by using the wellness benefits and get an ‘all-clear’ on ortho issues as reported on your Orthopedic Report Card (every dog with Embrace has one).

If your vet does find something, for instance with the right hip, then all areas not impacted will be reduced but the right hip would be considered pre-existing. Embrace does have a clause where you can ‘earn back’ the coverage and they will remove the pre-existing condition if you get the dog reexamined in six months and the issue has gone away.

Healthy Paws Pet Insurance

Waiting period

15 days for accident and illness and 12 months for hip dysplasia.

Special notes: They do have exclusions for the ‘other side’ if one side experiences an orthopedic event.


Waiting Period

Three days for accidents and 14 days for illnesses.

Six months for cruciate ligament events and any other related conditions.

Special notes: No wait for routine care.

Figo Pet Insurance

Waiting Period

The last posted data showed 14 days illnesses and five days for accidents.

According to Figo, these vary by state and you need to check with customer service prior to enrolling.

Trupanion Pet Insurance

Waiting Period

Five days for accidents or injuries and 30 days for illnesses.

Frequently Asked Questions About Pet Insurance with No Waiting Periods


Do pet insurance policies have waiting periods?

Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, including Lemonade and Embrace, can shorten your waiting period to as low as two days for accidents.

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

Is buying pet insurance worth it? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.