Is there a waiting period for pet insurance?

Yes, starting from the effective date of your policy, there is a 5-day waiting period for injuries and a 14-day waiting period for illnesses.

There is also a 6-month waiting period for problems associated with knee conditions (ex. Rupture of cruciate ligaments, luxating patellas or other soft tissue disorders of the knee). However, if you choose to have your pet examined by a veterinarian within the first 30 days of their initial policy period, and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion will not apply.