Key takeaways
Pet insurance waiting periods are the amount of time one must wait before filing a claim with a pet insurer
The length of a waiting period varies by insurer, state, and coverage type
Can I buy pet insurance with no waiting period?
Some pet insurance plans offer immediate coverage for accidents, while others require a waiting period. Illness coverage usually includes a waiting period as well. However, a routine care or wellness pet insurance plan is usually effective the next day. If you choose to add an optional routine care rider to your existing pet insurance policy, some providers allow it to become available the next day as well.
How do pet insurance waiting periods work?
Pet insurance policies define waiting periods for each type of claim that the policy covers (if applicable). Illnesses typically have a longer waiting period (usually two weeks) than accidents. The longest waiting periods are usually reserved for specific conditions like orthopedic problems and cruciate ligament issues. Each pet insurer sets its own waiting periods, except in states that mandate or regulate waiting periods, but the variation is usually small (a few days).
What happens if a medical condition develops during the waiting period?
If a condition develops during the waiting period, it'll typically be considered a pre-existing condition, even though you bought the insurance policy before the condition appeared. This is another way to prevent fraud — the waiting period makes it difficult to take advantage of a lull in the symptoms of a chronic condition or to buy insurance when you suspect your pet is developing a medical issue. Even if it's an honest, unforeseen stroke of bad luck, a condition that developed during the pet insurance waiting period typically won't be covered.
What happens if I change policies or providers?
This depends on each company's policy about waiting periods. If you switch companies, your new pet insurer will typically institute a waiting period like they would for any new customer. If you're adjusting your policy with the same insurer, a new waiting period may not be required because the company knows your pet's medical history. Since companies handle waiting periods differently, you'll need to check with your provider to be sure.
Important note: When you switch pet insurance providers, your new insurer may not cover any conditions that your pet developed under your current policy, since they may be considered pre-existing conditions.
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