Unfortunately no; All pet insurance companies require a waiting period. Currently, no company offers a pet accident and illness insurance plan without a waiting period.
Pet insurance companies do not offer same-day pet insurance policies because they want pet owners to get a policy before anything happens to their pets. Without wait times, pet insurance companies would run the risk of paying vet bills for pre-existing conditionswhich most companies don’t cover.
Pet owners should purchase a pet insurance policy as soon as possible to avoid long waiting periods and to cover their pets in the event of an emergency.
Is there an emergency pet insurance plan?
Whether your pet breaks a bone, swallows a foreign object, or becomes ill, pet insurance covers the pet’s unforeseen care, including emergencies. In fact, many providers do not distinguish between emergency care and other unscheduled treatments, meaning a typical policy includes emergency pet insurance for dogs and cats. However, coverage varies by plan, so read a sample contract to make sure the terms and conditions work for you.
Compare Pet Insurance Companies with Short Wait Times
Although no pet insurance company offers plans with no waiting periods, several companies have short waiting periods. Compare these providers below:
What are typical waiting period options for pet insurance?
The typical waiting time is 14 days, especially for health coverage. Some pet insurance companies impose a waiting period of just a few days to benefit from accident coverage. Hereditary conditions such as hip dysplasia waiting times are usually much longer, up to a year. If your pet develops symptoms of a health problem during this period, costs related to that health problem will not be covered, whether or not a veterinarian provides treatment. Some pet insurers have a longer waiting period of six months for cruciate ligament events.
Can I get retroactive pet insurance?
No, you cannot purchase pet insurance that will cover veterinary expenses or health problems that have arisen in the past. Accidents or illnesses occurring before taking out the contract or before the expiry of the applicable waiting period are called pre-existing conditions. No pet insurer covers pre-existing conditions.
Best Pet Insurance Companies with Short Wait Times
Here are the pet insurance companies with the shortest wait times.
What is a waiting period for?
Pet insurance is intended to cover health problems that may arise in the future, not those that have already occurred. Pet insurance companies would lose money if they insured pets with known, expensive health problems, which is why no cover pre-existing conditions.
Since most providers do not require your pet to have a health exam before enrolling in coverage, waiting periods are intended to prevent you from noticing symptoms or injuries, enrolling in insurance quickly, then immediately receive company-paid veterinary care. Essentially, the waiting period allows pet owners to quickly sign up for a policy while preventing people from gaming the system.
Are there pet insurance plans that don’t require exams?
Yes, there is pet insurance that does not require an exam. Although some pet insurers require your pet to undergo medical exams before receiving coverage to rule out pre-existing conditions and ensure your pet is healthy, this is not the case. ‘an industry standard. Some companies, such as Spot and ASPCA, do not require a health screening and rely solely on the policy’s waiting period for pre-existing conditions.
The bottom line: pet insurance with immediate coverage
Unfortunately, all pet insurance companies have waiting periods. The standard waiting period is 14 to 15 days in the event of accident and illness. Many of the companies listed above offer shorter than average wait times in the event of an accident or orthopedic issues. THE cost of pet insurance and its waiting times are important to consider when looking for pet insurance.