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Pet Insurance with No Waiting Period

How Does Pet Insurance Work?
There are lots of factors to consider when you are looking to get a pet insurance policy. Many people might want a pet insurance policy 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.

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:

    Embrace
    Pets Best
    Figo
    Healthy Paws
    Trupanion
    Nationwide
    ASPCA
    PetFirst
    Petplan

Embrace

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.

Pets Best

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

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.

Healthy Paws

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.

Trupanion

Waiting period: Five days for accidents or injuries and 30 days for illnesses.

ASPCA

Waiting period: Both accident and Illness are 14 days.
Special notes: Some of the shortest waiting periods in the industry.

Nationwide

Waiting periods: 14 days for accident and illness, with a 12-month waiting period for cruciate ligament injuries.

PetFirst

Waiting period: Midnight after you get policy for accidents and 14 days for illnesses.

Petplan

Waiting period: 15 days for illness or injury and a six-month exclusion on hip dysplasia and cruciate and patellas.
Special notes: Six-month cruciate exclusion may be waived if your pet is examined by a vet within the first 30 days you have the policy and they do not find any issues.
Other knee exclusions: yes

What is a waiting period?

A waiting period is a period of time from when you get the policy in place and when you can first use the benefits. Pet insurance companies want to be sure you are not waiting until the last minute to get coverage, and unfortunately, many people wait until their pet is already sick or hurt to try to get care. A waiting period is a way for the pet insurance to lower their risk. While they are there to cover claims and help out pet owners from financial ruin, if they had to pay for already existing illnesses, they’d go broke. A waiting period makes sure the pet owner is responsible and gets pet insurance as soon as possible.