Best Pet Insurance with the shortest waiting period

Best Pet Insurance with the Shortest Waiting Period

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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

Rated #1

PetFirst

Rating:

      8.31/10

An insurer for multi-pet households.

PetFirst Pet Insurance Review
Starting at: $25.00 /mo

average estimate would be $30/month for small dogs, $40/month for medium sized dogs, and $48/month for large dogs. Average price for cat owners is around $25 per month.

*Sample costs based on a 2 year old mixed breed from Michigan with a $250 deductible, 80% reimbursement level, and $10,000 annual limit.

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: $50, $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: $5,000, $10,000, $20,000
Maximum Enrollment Age: None Effective Date: Midnight (EST) after enrollment

Want complete coverage? PetFirst is one of the few pet insurance companies to offer reimbursement levels of 100%.

Rated #2

PetPlan

Rating:

      7.91/10

Strong brand, few restrictions.

Pet Plan Pet Insurance Review
Starting at: $25.00 /mo

$38/month for dogs and $25/month for cats on average.

*Sample prices based on a 2 year old mixed breed from Michigan with a $100 deductible and 80% reimbursement level.

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: $50, $100, $200 Per Incidence Limits: No Limits
Co-Pay Coverage: 80%, 90%, 100% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $10,000, $14,000, $22,000
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.

Rated #3

PetsBest

Rating:

      7.6/10

Offering maximum coverage for pet owners.

Pets Best Pet Insurance Review
Starting at: $25.00 /mo

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

*Pricing is based on 4 factors: Location, age, breed, and deductible and reimbursement level.

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: ~ 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.

Rated #4

Embrace

Rating:

      7.6/10

High quality customer service and expansive coverage.

Embrace Pet Insurance Review
Starting at: $22.00 /mo

Embrace only has 1 main plan, and it will cost cat owners $22/month.

*Sample price based on a 2 year old mixed breed male from Michigan with a $10,000 annual limit, $300 deductible, and 80% reimbursement level, with the "rx drug coverage" included as well.

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 only slightly longer than the companies ahead on this list. They have a 14 day waiting period for illness just like PetPlan and PetFirst. However they also require 3 days before coverage begins for accidents.

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.

Deductables: $100, $200, $300, $500, $1000 Per Incidence Limits:
Co-Pay Coverage: 65%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $15,000
Maximum Enrollment Age: 14 Years Effective Date: Day after purchase

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

Rated #5

AKC

Rating:

      7.5/10

Ideal for those that want customized insurance.

AKC Pet Insurance Review
Starting at: $25.00 /mo

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

Pricing is based on a 2 year old mixed breed cat from Michigan, with a $250 deductible, 80% reimbursement level, and $10,000 annual limit will have a monthly premium of $30/month with the "CompanionPlus" plan.

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, yet to 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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