Underwriting

What are waiting periods?

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals.

Current customers: Please view your pet's waiting periods on your Policy Declarations Page in your Customer Account.

Please click on your resident state below to see the waiting periods that apply.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply to policies purchased on or after 1/31/2024. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 1/31/2024, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply to policies purchased on or after 1/31/2024. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 1/31/2024, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply to policies purchased on or after 12/31/2022. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 12/31/2022, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply to policies purchased on or after 12/31/2023. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 12/31/2023, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply to policies purchased on or after 12/31/2023. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 12/31/2023, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply to policies purchased on or after 12/31/2023. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 12/31/2023, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date::

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply to policies purchased on or after 12/31/2023. Waiting periods begin on your policy’s effective date.

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 30 days
  • Routine care plans: If added, this coverage can be used on your policy effective date

For policies purchased before 12/31/2023, please view your Policy Declarations Page in your Customer Account.

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date

The following waiting periods apply after the policy effective date:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months
  • Routine care plans: If added, this coverage can be used on your policy effective date