Coverage depends on when symptoms first appear, how waiting periods apply, and whether a condition is considered pre-existing. In some cases, like accidents, coverage can start right away, while pets that are already sick or in treatment can’t be insured.
What happens if my pet is diagnosed with an illness during the waiting period?
If a pet is diagnosed with an illness during the waiting period, that illness and any related consequences will be permanently excluded from coverage even after the waiting period ends. This exclusion also applies to any conditions known before insurance begins. Coverage is not available for pets currently undergoing treatment or when treatment has already been recommended for a specific condition.
What is the general waiting period for pet insurance coverage?
The general waiting period for standard operations and treatments is one month from the official start date of your policy.
Are there longer waiting periods for some conditions or services?
Yes, some risks or services may require a special waiting period ranging from 6 to 18 months. These details are explained in a dedicated article on waiting periods for pet health insurance.
Are any conditions covered immediately with no waiting period?
Accidents are covered immediately under the Surgery and Plus plans without any waiting period.
Can I insure a pet that is already sick or in treatment?
Insurance coverage is not available if the pet is already undergoing treatment or if treatment has been recommended before purchasing the policy.