Does Pet Insurance Have a Waiting Period?
Yes, all pet insurance plans have a waiting period, normally just when you first sign up. There is usually one waiting period for accidents and a separate one for illnesses although they both start at the same time.
The waiting period is the time between when you first sign up for pet insurance and when your full coverage starts. For example, if you sign up and begin coverage on March 1st then your waiting period for accidents may be two days later, say March 3rd, and for illnesses as long as 4 weeks later, say March 31st.
Why do pet insurance companies do this? Because it prevents people taking out insurance just to make a claim and this makes it fairer for everybody that is insured.
Insist that the pet insurance company tell you how long the waiting period is before your accident and illness coverages begin.
What Is Embrace's Waiting Period?
At Embrace, our waiting period is 14 days for both accidents and illnesses, 6 months for cruciate ligament injuries. The waiting period for cruciate ligament injuries can be shrunk to 14 days if you provide a
letter from you veterinarian that shows your pet currently has no cruciate injury. There is no waiting period when your policy renews.