Best Pet Insurance with the Shortest Waiting Period

Top 5 Best Pet Insurance with the Shortest Waiting Period

Buying pet insurance is a very important decision that will have a huge impact on your pet’s health, and your finances. Once you have committed to buying it is crucial that a company is able to deliver exactly in the way they advertised. Unfortunately most pet insurance companies withhold coverage for the first few weeks after enrollment, meaning you will not be able to apply for reimbursement yet are still required to pay.

It’s time to take a stand against these needless waiting periods. With the companies on our list, you will get the coverage you paid for and deserve in the shortest time possible.
It’s time to take a stand against these needless waiting periods. With the companies on our list, you will get the coverage you paid for and deserve in the shortest time possible. #insurance #pets #waiting-period

We may earn money or products from the companies mentioned in this post.

PetFirst

Rating:

      8.31/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: 1 Day

Excellent coverage, great rates and ideal for multi-pet households.  Combine that with the lowest waiting periods in the industry and Petfirst is a top Pet Insurer.

PetFirst provides everything you could possibly want in insurance for your cat. They have no lifetime limits, low monthly premiums, and great add-on packages that cover wellness and vaccinations. One of their most attractive offers that separates them from other companies is a family package that allows customers to save up to 30% when they register 2 or more pets.

With PetFirst, coverage for illness starts 14 days after enrollment and coverage for illness starts at midnight on the day of enrollment.  Coverage for congenital/hereditary conditions starts 12 months after enrollment.

A Few Details about this Insurer:

An average estimate would be $30/month for small dogs, $40/month for medium sized dogs, and $48/month for large dogs. As well, the average monthly price for cat owners is around $25.

Deductables: $0 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: $5,000, $10,000, $20,000
Maximum Enrollment Age: None Effective Date: Midnight (EST) after enrollment

Wondering about age limits? With PetFirst you can enroll your pet at 8 weeks of age and they have no limit on how old your senior pet can be to get coverage.

Embrace

Rating:

      8/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: 1 Day

With Embrace you get premium pet insurance, with great customer service all at an affordable price.

Embrace is a no nonsense provider of pet insurance that has extensive width of coverage and excellent customer service. The wait times they require are the same as PetFirst –  14 day waiting period for illness but coverage for accidents begins immediately.

Secondly, there is a 6 month waiting period for orthopedic conditions with Embrace, but luckily it can be brought down to 14 days with a quick visit to the vets.

A Few Details about this Insurer:

Embrace charges an average monthly premium of $27 for cats and $37 for dogs, and there are no lifetime limits with any of their plans.

They offer two options for plans – Accident Only Coverage and Total Care Coverage, with three plan levels within each.

Deductables: $100, $250, $500 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, No Limits
Maximum Enrollment Age: 12 Years Dogs, 14 Years Cats - New Customers Effective Date: Day after enrollment

Need more Coverage? Embrace has great wellness plan that cover many treatments, plus they have no waiting period.

PetsBest

Rating:

      8.3/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: 3 Days

A company that can take your financial worries away and keep your pet safe and healthy.

PetsBest provides everything an owner could hope for in pet insurance. Their customer service is second to none, they have a fantastic add-on, and a great reputation as an industry leader. With PetsBest, your pet will have coverage from just about every accident or illness there is.

PetsBest gives you the option of 5 deductible amounts and 4 reimbursement levels, including 100%. How great would it feel to never have to pay for vet treatment again?

Coverage for accidents starts 3 days after enrollment and for illness starts 14 days after enrollment. Hereditary and congenital conditions have a 12 month waiting time in some states, but in most states they do not cover congenital/hereditary conditions or only cover  limited payouts after the animals second birthday.

A Few Details about this Insurer:

PetsBest has 3 main plans, which average out to a monthly price of $40 for dogs and $25 for cats.

Deductables: $50, $100, $200, $500, $1000 Per Incidence Limits: $5,000, $7,000, $8,000
Co-Pay Coverage: 70%, 80%, 90%, 100% Annual Claims Limits: $100,000, $150,000
Minimum Enrollment Age: 7 Weeks LifeTime Claims Limits: $5,000, $10,000
Maximum Enrollment Age: None Effective Date: The day after purchase.

Are you a globe trotter?   PetsBest provides global coverage and allows owners to go to any licenced veterinarian in the world. Perfect for travel lovers.

PetPlan

Rating:

      7.91/10

Waiting Period – Illness: 15 DaysWaiting Period – Accidents: 5 Days

Save 10% on a Petplan policy and Get a Free PetHub digital ID tag! Use coupon code: TAGME10. Offer valid on new policies only.

$33.00

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PetPlan is one of the premier providers of pet insurance, so it is fitting that they should also have one of the shortest waiting periods. They likewise provide very effective plans with high coverage limits that will benefit any pet owner.

Following enrollment PetPlan has a waiting period of 1 day for accidents and 6 months for hereditary and congenital conditions.  Just like most others, PetPlan requires a 14 day waiting period before treatment for illnesses will be covered.

A Few Details about this Insurer:

PetPlan offers insurance for the competitive price of $38/month for dogs and $25/month for cats on average.

Deductables: $100, $125, $150, $175, $200, $225, $250, $300, $500, $1000 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits
Maximum Enrollment Age: None Effective Date: Day after purchase.

Like Convenience? PetPlan has a mobile app that lets customers manage their account and submit claims with the swipe of their finger.

AKC

Rating:

      7.5/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: 3 Days

Perfect for owners that want to customize their insurance just for their pets specific needs.

Bringing an end to our list of the Best Insurance with the Shortest Waiting Period is AKC. They provide flexible plans that allow customers to customize to their needs. Coincidently, AKC has the exact same waiting times as Embrace. 3 days for accidents, and 14 days for illness. They finish behind however because they also have a 6 month waiting period for orthopedic conditions, and do not offer any method to reduce the time.

A Few Details about this Insurer:

To purchase insurance from AKC will cost $27/month for cats and $35 for dogs when averaged between the costs of their 2 plans.

Deductables: $100, $125, $150, $175, $200, $225, $250, $500, $1000 Per Incidence Limits: $8,000
Co-Pay Coverage: 80% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks for Dogs, 10 Weeks for Cats LifeTime Claims Limits: $3,000, $5,000, $10,000, $14,000, $15,000, $16,000
Maximum Enrollment Age: After 9 Years no Illness Coverage Effective Date: 12:01am the day after enrollment

Want to play it safe? AKC thankfully offers money back guarantee of 30 days if you change your mind and want to purchase insurance from a different company.

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