Want to find out what is no waiting period pet insurance? Please read on to get quick answers and get insights to determine which particular insurance plan policy perfect for your pet’s needs.
Pet insurance is essential for every pet owner as it gives them peace of mind. If your pets are insured, you don’t have to worry about money if they met an accident or got sick. It’s a great way to manage an unexpected vet bill efficiently. However, you need to understand how you can benefit the most from your pet insurance.
Before securing an insurance policy for your pet, you need to know what kind of events are covered by the insurance and what you can’t claim. Another important consideration is how long it will take to make your dog eligible for the policy. But, can you find no waiting period for pet insurance when getting your pet insured?
The waiting period, for all we know, refers to the amount of time taken before the policy covers a pet. Insurers have different policies and waiting periods depending on their terms and conditions. You need to wait until you can already make claims if something happens to your pet.
Is There a Pet Insurance with No Waiting Period?
Pet insurance always comes with a waiting period because insurers don’t want pet owners to sign up when their pets are already hurt or sick. If you want a shorter claim period, you can opt for accident-only insurance policies. It will save you from expensive vet bills because of an injured pup.
Some health conditions are subject to more extended waiting periods where you cannot make any claims even if your dog is not feeling well. For instance, dogs prone to critical ligament problems may need to wait for months before receiving medical assistance under the policy.
If your pet has a particular health risk, some insurers will ask for additional payment before they attend to your pet’s needs. Sometimes, the insurance policy may not cover certain conditions at all. On the other hand, you may notice that some insurers cover accidents more easily than long-term illnesses. Always check the conditions that are covered and not covered by the policy before getting insurance.
Generally, policies have waiting periods of 30 days or one month before the system takes effect. However, this may vary depending on the insurer you choose to invest in.
Which Pet Insurance in the US Has the Shortest Waiting Period?
When it comes to veterinary care, it’s always a tremendous help to get your pets insured before acquiring a health problem or injury. While there are no insurance policies without waiting periods, you can still find some plans that offer shorter waiting periods in the US. For example, you can choose from the following trusted pet insurance companies:
*ASPCA Pet Health Insurance with 14 days waiting period for both illnesses and accidents.
* EMBRACE Pet Insurance with 14 days waiting period for illnesses and two days for accidents.
* SPOT Pet Insurance with 14 days waiting period for illnesses and accidents. However, it doesn’t implement an age cap for cats and dogs.
* PetPlan with 15 days waiting period for both illnesses and accidents.
* Healthy Paws with 15 days waiting period for illnesses and accidents.
* Figo with 14 days waiting period for illnesses and accidents.
These insurance plans are designed to protect your pets from unexpected events.
They are not meant to cover any pre-existing conditions or health issues that have already developed. The insurer uses your premium payments to protect your pet’s health issues and accident needs.
How Long After Taking Pet Insurance Can I Claim?
Insurers impose waiting periods to ensure that pet owners don’t sign up when their pets are already suffering from certain conditions. You won’t find any pet insurance in the market that offers no waiting period. So, how long after getting pet insurance before you can claim?
Most insurance companies offer a 14 – 30 days waiting period. However, it’s common for them to impose six months to one-year waiting period if your pet is suffering from congenital conditions, hereditary conditions, or ligament injuries. But don’t worry because there are terms that can shorten the waiting time.
An insurance company that imposes longer waiting periods could reduce the time or waive it if your dog made a vet appointment before getting covered. The diagnosis is nothing serious. Some may also provide coverage for pets that have been cured for a specific period such as 6 months or 180 days.
Nevertheless, don’t focus on the waiting periods that pet insurance plans offer. Make sure to understand the coverage inclusions of the program you are planning to buy for your pup. If your puppy already has a health condition, review the coverage limits, and deductible for the policy you want to purchase.
Can You Get Pet Insurance If Your Pet Is Already Sick?
If your dog or cat has pre-existing conditions, the insurer will not allow you to get any claims to cover any illnesses. Remember, the purpose of pet insurance plans is to help owners manage unexpected conditions or diseases that may affect their pets.
There are different waiting periods for specific conditions. Wellness care or preventive care insurance doesn’t impose waiting periods because they are included in the existing policy. If your puppy is registered and is already covered, the insurance policy takes effect immediately.
Wrapping It Up
In the end, you need the best pet insurance policy that provides more coverage for your pet’s needs. The main advantage of getting your pet insured is to prepare for unexpected events and avoid expensive vet bills. So, it’s imperative to invest in such a policy to keep your pup healthy and happy.
The policy you should choose will help you minimize future expenses. Waiting periods may vary depending on your dog’s condition, but most plans have 15 days no-claim period. The key is to determine which policy fits your pet’s needs best. Now, do you have any particular insurance plan that you want to buy for your canine companion?
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