What is the best pet insurance with no waiting period?

There are a number of pet insurance companies that offer policies with no waiting period. Some of the most popular companies include Petplan, Nationwide, and ACE. Each company has its own policy features and requirements, so it is important to compare all of the options before making a decision. Some of the key things to consider when choosing a pet insurance policy include the deductible, the coverage options, and the waiting period.

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Pet insurance is intended to cover unexpected injuries and illnesses. When you purchase a policy, you may not have immediate coverage for certain types of problems, such as pet illnesses or cruciate ligament problems. You must complete the "waiting period" before your coverage begins.

Waiting periods apply to all pet insurers, but the best pet insurance companies have short ones. Here's an overview of pet insurance waiting periods and the companies with the shortest wait times.

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What Is a Waiting Period for Pet Insurance?

A waiting period for pet insurance is the time between when you purchased your policy and when coverage begins.

For example, if your pet insurance policy has a 14-day waiting period for illnesses and your dog develops an ear infection two days after purchasing the policy, you will not be covered for veterinary expenses related to the ear infection.

How Does a Waiting Period for Pet Insurance Work?

Waiting periods for pet insurance can be divided into three categories.

Waiting periods for accidents

This is the amount of time before your coverage for an accident, such as a broken bone or an object swallowed, begins. Depending on your pet insurance company, the waiting period for accidents can range from one day to 15 days.

Waiting periods for illnesses

This is the amount of time it takes before your insurance kicks in for an illness like cancer or a urinary tract infection. For illnesses, most pet insurance companies have a 14-day waiting period.

Waiting times for other types of issues

This is the time it takes for your coverage to kick in for specific conditions like cruciate ligament damage or hip dysplasia. This waiting period can often last six to twelve months.

Certain conditions may have waiting periods with some pet insurance companies. The ASPCA, for example, has no waiting period for orthopedic conditions or any other specified issues.

Companies that provide pet insurance with the shortest waiting periods

Here are the companies with the shortest waiting periods for pet insurance.:

  • Accidents are subject to a one-day waiting period at Costco and Figo.
  • For illnesses, most pet insurance companies have a 14-day waiting period.
  • For specific conditions such as cruciate ligament issues and hip dysplasia, the ASPCA, ManyPets, Pumpkin, and Spot have no extended waiting periods.

If you have your pet examined by a licensed veterinarian within a certain timeframe, some pet insurers will reduce or waive the waiting period. Here are some examples:

  • If your veterinarian signs a waiver within the first 30 days of your policy, Costco will waive the extended waiting period for orthopedic conditions.
  • If your pet has an orthopedic exam within the first 14 days of your policy, Embrace will reduce the extended waiting period to 14 days.
  • If your veterinarian signs a waiver within the first 30 days of your policy, Figo will waive the extended waiting period for orthopedic conditions.
  • If you switch from another pet insurance company, ManyPets will reduce your accident and illness waiting period to 24 hours.
  • If your pet passes a vet exam within the first 30 days of coverage, Prudent will waive the extended waiting period for knee or ligament issues.
  • The "Exam Day Offer" from Trupanion waives the waiting period for pets under the age of 14 who have a veterinary exam within the 30-day period.

Pet insurance company waiting periods

What Is the Average Pet Insurance Waiting Period?

Among the pet insurance companies we looked at, the average waiting period for accidents is nine days, 15 days for illnesses, and 6 months for problems like cruciate ligament issues and hip dysplasia.

Why Is There a Waiting Period for Pet Insurance Companies?

Plans for pet insurance are designed to cover unexpected accidents and illnesses. A waiting period assists insurers in preventing fraud for claims that are legitimately the result of pre-existing conditions. For example, if a dog swallows an object and requires expensive surgery, a pet owner cannot immediately purchase a policy and use it to pay for the surgery.

When Is the Most Appropriate Time to Purchase Pet Insurance?

If you intend to purchase pet insurance, you should do so as soon as possible. You want to get coverage before your pet develops any problems. If your pet develops a condition before you purchase a pet insurance policy, such as a torn cruciate ligament or cancer, it is considered a pre-existing condition and is not covered.

Some pet insurance companies will cover pre-existing conditions if they are "curable," such as an ear infection. For example, the ASPCA considers a condition "pre-existing" if it has been cured and symptom-free for 180 days. If the condition recurs after 180 days, it is treated as if it were new.

Pet insurance costs are also affected by your pet's age. Older pets are typically more expensive to insure because they are more likely to become ill, resulting in higher vet bills.

Some insurers have an age limit for purchasing a policy. Healthy Paws, for example, does not sell pet insurance policies to cats and dogs over the age of 14. However, if you purchase a policy before your pet's 14th birthday, he or she will be covered for life.

Is it Possible to Get Retroactive Pet Insurance?

No, you cannot obtain retroactive pet insurance, which means you cannot purchase a policy and have it take effect for a date that has already passed.

After the waiting periods, your pet insurance coverage will become effective. For example, if you purchase a policy on December. You will be eligible for coverage for illness-related claims on December 1, 2022, if you have a 14-day waiting period for illnesses. 15, 2022

Can I Get Immediate Coverage for My Pet?

Pet insurance policies do not provide immediate coverage. They require a waiting period before coverage is activated. Under certain conditions, some pet insurance companies will reduce the waiting period, but coverage will not be immediate.

For example, if you switch from another pet insurance company, ManyPets will reduce your accident and illness waiting period to 24 hours. The "Exam Day Offer" from Trupanion waives the waiting period if your pet has a veterinary exam within 30 days of purchasing a plan.

How Does Pet Insurance Work?

Pet insurance is reimbursement-based, which means you will pay for your pet's veterinary bills up front and then submit a claim for reimbursement. If your policy covers your pet's vet bills, you'll receive a reimbursement check. Your annual coverage limit, deductible, and reimbursement level will determine the amount. Here’s what that means.

Annual coverage limit

When purchasing pet insurance, you can specify how much annual coverage you require. The annual coverage limit typically ranges between $5,000 and unlimited coverage. Higher coverage amounts are more expensive because your insurer may have to pay out more for a pet insurance claim.


Most pet insurance companies have an annual deductible that you must pay before your coverage begins. The most common deductibles are $100, $250, and $500. After you've met your deductible, you can submit your vet bills to your insurance company for reimbursement. The lower your deductible, the higher your pet insurance premium.

Reimbursement percentage

Your reimbursement percentage is the amount your insurer will pay for covered claims under your policy. Common reimbursement choices are 70%, 80% and 90%. For example, if you have a 90% reimbursement level and your vet bills are $1,000, you%E2%80%99ll get a reimbursement check for $900 (90% of $1,000 = $900).

Comparing Pet Insurance Policies

The waiting period is an important part of your pet insurance policy, but it should not be the only factor you consider. Here are some additional things to look for:.

  • Type of pet insurance plan. What is covered by pet insurance is determined by the type of policy purchased. You must purchase an accident and illness plan if you want comprehensive coverage. However, if you want a less expensive plan that covers emergencies such as a foreign object swallowed, you could choose an accident-only plan.
  • Annual coverage, deductible, and percentage of reimbursement. Some pet insurers provide a wide range of options, whereas others provide fewer. One way to reduce your pet insurance costs is to select a lower coverage amount, deductible, and reimbursement percentage.
  • Pet insurance extras. You might want to include a wellness plan or have access to pet telehealth 24 hours a day, seven days a week. However, not all insurers provide these options, which is why you should shop around.
  • Pet insurance discounts. If you qualify for a discount, such as a multipet discount, military discount, or spay/neuter discount, you may be able to save money on your pet insurance.

Comparing pet insurance quotes is the best way to find a good policy at a reasonable price once you've narrowed down the type of pet insurance plan you want and other options, such as your coverage amount and reimbursement percentage. You can obtain free quotes online or by contacting an agent.

Is Pet Insurance Worth It?

Pet insurance is worthwhile if you want coverage for unexpected injuries or illnesses that may result in financial hardship.

According to a Forbes Advisor analysis of vet visit costs, the average cost of cancer treatment for dogs is $4,100 and $3,800 for cats. Treatment for a broken bone costs an average of $2,700 for dogs and $2,300 for cats.

Is there any pet insurance without a waiting period?

There are no waiting periods for pet insurance plans. . There are waiting periods with each pet insurance company before your animal can be covered for care. The reason is simple: Pet insurance companies want people to buy coverage before their animals become ill.

Which pet insurance company has the shortest wait time?

Here are the companies with the shortest waiting periods for pet insurance.: .
Accidents are subject to a one-day waiting period at Costco and Figo..
For illnesses, most pet insurance companies have a 14-day waiting period..

Can I purchase pet insurance and use it right away?

A routine care or wellness pet insurance plan usually takes effect the following day. . If you add an optional routine care rider to your existing pet insurance policy, some providers will make it available the next day.

Is pet insurance worthwhile with pre-existing conditions?

Even if your dog or cat has a pre-existing condition, you can still get pet insurance. Your new plan will not cover the costs of treating that specific issue, but you can expect coverage for future illnesses and injuries. So Pet insurance is still beneficial. .