Pet Insurance Waiting Periods

Understanding pet insurance waiting periods is key to knowing when certain illness, accidents and conditions are fully covered by your pet insurance.

Waiting periods for pet insurance exist to prevent fraud and are required for all newly enrolling pets or new pets being added to an existing policy. If there were no waiting period, a pet owner could simply wait until their pet developed a medical condition and then enroll them in a pet insurance policy to have their expenses covered. While we desperately want all pets to have the best health care possible, this sort of practice would make it impossible for any pet insurance company to stay in business, which is why all pet insurance has some sort of waiting periods.

Is There Pet Insurance with No Waiting Periods?

If you’re searching for pet insurance with no waiting period, it’s important to know that all pet insurance companies have waiting periods to protect themselves. These waiting periods exist to ensure fairness and keep premiums reasonable for all pet owners. However, some policies might have shorter waiting periods than others, and we strive to keep ours as short as possible.

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What are Embrace's Waiting Periods?

All Embrace insurance policies have a 14-day waiting period for illnesses, while accident coverage starts on your policy's effective date, which you’ll receive when you sign up. Some states also have orthopedic waiting periods for specific conditions. These waiting periods or exclusion periods, can vary depending on your state. Click here to get the details, but as always check your specific Terms and Conditions for the final word.

Illustration of a thermometer indicating cold temperatures, highlighting the need for pet insurance to cover potential health issues and seasonal changes that can affect your pet’s well-being during colder months.


For illness-related claims, we have a short 14-day waiting period beginning from your policy's effective date. This is only for illnesses. Accidents are covered from your policy effective date.

Illustration of a band-aid used for wounds, highlighting the need for pet insurance to cover potential health issues and accidents that can affect your pet’s well-being.


Enjoy peace of mind of knowing that accident coverage begins on your policy’s effective date, with no extra waiting periods for unexpected mishaps.

Why It’s Important to Sign Up for Pet Insurance Right Away

Since all pet insurance companies have waiting periods, it’s crucial to sign up for coverage as soon as possible. By enrolling your furry family member in a policy right away, you’ll start the waiting period clock ticking, ensuring that your pet gets the protection they need sooner rather than later.

Nobody can predict when accidents or illnesses might strike, and securing pet insurance early means that you won’t be caught off guard, scrambling to find coverage when something unexpected happens. The sooner your pet is covered, the more peace of mind you’ll have knowing that you’re prepared to handle any unforeseen veterinary expenses.

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How the Waiting Period Works with Embrace

Waiting periods start on your policy effective date. Then after your waiting period has passed, your coverage for those previously restricted conditions starts, and you’ll be able to make claims on those conditions.

What If I Make a Claim During the Waiting Period?

Unfortunately, if your pet has a health issue during the waiting period then your claim will not be covered, even if it was an unforeseeable emergency, and those new issues may be considered pre-existing conditions. So, make sure to get the protection of pet insurance before you need it!