Glossary

Waiting period

The time after a pet insurance policy starts, often a few days to several months, during which some or all claims are not covered.

Also called: insurance waiting period, claim waiting period, orthopedic waiting period, pet insurance wait

A waiting period is the gap between signing up for pet insurance and the date coverage begins. It stops owners from buying a policy only after a dog is already ill. Accidents are often covered after a few days, illnesses after about two weeks, and conditions such as cruciate ligament problems or hip dysplasia may have a longer period of several months.

Anything that first shows signs in the waiting period is commonly treated as a pre-existing condition and excluded, so do not delay a vet visit if you see symptoms, but expect the claim might be denied.

Lengths vary by insurer, country and state, and some waive it for a dog that has a recent exam. Check the policy for both the general period and any specific ones before you buy.

Last reviewed November 8, 2026

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Related terms

Pet insurance A policy that reimburses a share of veterinary bills for covered accidents and illnesses in return for a monthly premium. Pre-existing condition An illness, injury or sign that a dog had before pet insurance began or during the waiting period, and which a policy usually will not cover. Deductible The amount you pay toward covered vet bills before pet insurance begins to reimburse you.