Question: How Soon Does Pet Insurance Take Effect?

Generally, pet insurance companies won’t cover pre-existing conditions at all.

While you can still generally get pet insurance, your policy will exclude the particular condition that your pet was diagnosed for.

How long does it take for pet insurance to kick in?

Once I enroll, how long before my policy is effective? The Whole Pet with Wellness and Major Medical plans have a 14-day waiting period once your application is approved and we receive payment. Pet Wellness plan coverage begins 24 hours after your policy has been issued and we’ve received payment.

Can you get pet insurance after diagnosis?

No pet insurance company covers pre-existing conditions, but a pre-existing condition will never prevent you from obtaining pet insurance coverage. Whether your pet’s pre-existing condition is curable or not will determine your coverage options for that condition.

Is it worth it to get pet insurance?

In most cases, you’ll end up paying between $25 and $70 to insure your dog, and between $10 and $40 to insure your cat. These costs can be lower or higher depending on how much coverage you want. For older pets, the costs of pet insurance will likely be much higher and may not be worth the expense.

How does pet insurance work?

Pet insurance is a way to save on veterinary costs when your pet gets sick or is injured. Most pet health insurance plans are paid on a monthly schedule and cost a few hundred dollars a year. After you pay the vet, you can file a claim with your insurer to be reimbursed.