Pet Insurance Blog

Is There Pet Insurance With No Waiting Period?

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
pet insurance no waiting period

If your dog or cat needs veterinary care, you might be wondering whether pet insurance with no waiting period exists.

While every pet insurance plan differs by provider, they nearly all share one common trait - a mandatory waiting period before the insurance coverage takes effect.

Is there any pet insurance that starts immediately?

There is no pet insurance that starts immediately apart from Companion Protect. Every other provider requires you to wait a certain window of time before insurance coverage kicks in and you're allowed to file a claim for covered vet costs (though many providers offer same-day coverage for preventive pet care through separate pet wellness plans ).

In some cases, a company might waive the waiting period for insurance coverage if the owner can show proof that their pet was enrolled in a policy by a different provider leading up to the new policy’s effective date . Other times, a provider might waive the pet insurance waiting period for a special promotion.

Which pet insurance has no waiting period?

Currently, Companion Protect is the only provider that has no mandatory waiting period for pet insurance coverage, which means you can file a claim as soon as your pet is approved for enrollment.

However, the company does review your pet’s medical records beforehand, which might take several days. It also requires prior approval for some treatments like hip dysplasia in dogs, while others, like intervertebral disc disease (IVDD), can take up to 12 months for insurance coverage

What pet insurance has the shortest waiting period?

Besides Companion Protect, there are no pet insurance providers with same-day coverage. That being said, these companies offer faster pet insurance coverage than others.

  • MetLife : 14 days for illnesses, midnight after you get the policy for accidents
  • Lemonade : 14 days for illnesses, 2 days for accidents
  • Embrace : 14 days for illnesses and 48 hours for accidents
  • Pets Best : 14 days for illnesses, 3 days for accidents*
  • Nationwide : 14 days for illnesses and accidents
  • ASPCA : 14 days for illnesses and accidents
  • Figo : 14 days for illnesses, 5 days for accidents (waiting periods vary by state)
  • Healthy Paws : 15 days for illnesses and accidents
  • Fetch by The Dodo : 15 days for illnesses and accidents
  • Trupanion : 30 days for illnesses, 5 days for accidents

*For most states. For Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington: Accidents: 0 days, Illnesses: 14 days, Cruciate Ligament Conditions: 30 days, Routine Care: 0 days; For North Dakota only: Accidents: 3 days, Illnesses: 14 days, Cruciate Ligament Conditions: 30 days, Routine Care: 0 days.

As you can see, a 14-day waiting period is common for all pet insurance policies with illness coverage. It should also be noted that some insurers also have longer waiting periods for orthopedic conditions such as ligament injuries and hip dysplasia. The length of this waiting period is usually six months, although some companies (such as Nationwide and Healthy Paws) extend it to up to 12 months.

These longer waiting periods may be reduced if the pet has seen a licensed veterinarian before getting coverage and confirms that the animal doesn’t have any serious conditions.

Why does all pet insurance have a waiting period?

Pet insurance providers impose waiting periods as a way to protect themselves from pet owners who buy policies only after their pet has developed a medical problem. All types of insurance policies are a form of risk management that provides protection against a possible eventuality. In this case, pet insurance is designed to reduce the potential financial burden created by a pet's expensive and unexpected vet bills — not to pay for known pet health issues that already exist.

That would be unaffordable and unfeasible for insurance providers to pay in claims and it also explains why they don't offer coverage for pre-existing conditions.

For this reason, it's very important to sign up for pet insurance while your pet is still healthy. Enrolling in your pet in dog insurance or cat insurance at a young age will make sure that your four-legged family member is covered for as many illnesses and/or accidents as it might experience during its lifetime.

Can you get pet insurance and claim right away?

You could, but most pet insurance companies will deny claims for incidents that occur before or within 14 days of policy enrollment. If you get pet insurance and immediately submit a claim for a vet bill you incurred within the past two weeks, you will most likely be denied reimbursement for that vet visit, as well as all future vet costs related to that condition.

Can I get retroactive pet insurance?

No, you can’t purchase a pet insurance policy and have it take effect on a date that has already passed.

When you sign up for pet insurance, the waiting period is something you'll always need to consider. Be sure to always read the policy's fine print to fully understand:

  • Exactly what insurance will cover or exclude
  • If there's an annual reimbursement limit for filed claims
  • Whether premium rates increase for filing a claim
  • The reimbursement rate for covered vet bills
  • How long it takes the provider to process and pay claims
  • Any other pertinent details that could impact your decision

Pawlicy Advisor lets you quickly compare these details across the best pet insurance companies to see which provider suits your budget and your needs. Simply enter your pet's information for customized plan recommendations and enroll in a matter of minutes on the only pet insurance marketplace actively endorsed by veterinarians.

Key Takeaways

  • At the moment, there is no pet insurance available on the market without waiting periods. The only exception is Companion Protect, which offers coverage that begins the minute your enrollment is approved.
  • Pet insurance companies impose waiting periods to lower the risk of fraudulent insurance claims.
  • Waiting periods vary depending on the provider and the type of insurance policy you get. Most insurers have separate waiting periods for illnesses, accidents, and orthopedic conditions. Some insurance companies offer routine care coverage without a waiting period.
  • Waiting periods start when you purchase the policy. You can’t make claims until the waiting period is over.


Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes

Guides

How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey

California

Florida

Oregon

Texas

New York

Colorado

Pennsylvania

More States

Dog Insurance

German Shepherd

Rottweiler

Akita

Boxer

English Bulldog

French Bulldog

Great Dane

Pug

Corgi

Chihuahua

Poodle

More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More on Pet Insurance

pet insurance comparison showcase
17 minute read

How To Compare Pet Insurance Plans

Puppy Dalmation at a veterinary checkup.
16 minute read

Is Pet Insurance Worth It In 2024? Here’s A Vet’s Perspective

cat and dog together outside
17 minute read

How to Get the Best Pet Insurance Plan, No Matter the Provider

Beagle dog waiting
7 minute read

How Soon Does Pet Insurance Take Effect?

dog with loving pet owner
17 minute read

Average Pet Insurance Cost in 2022 by Breed, Age, & State

Two dogs running happy and healthy
10 minute read

Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies

Woman sitting at desk signing paper with dog on lap
9 minute read

When Is Pet Insurance A Great Decision?

Dog covered from bad weather under Pawlicy umbrella
18 minute read

How Pet Insurance Works: Your Essential Guide

outdoor cat
5 minute read

5 Reasons Why Outdoor Cats NEED Pet Insurance

happy pet parent loving on her dog
22 minute read

Fascinating Pet Insurance Statistics 2019-2020

Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo