Best Pet Insurance with the Shortest Waiting Period

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:

With Petfirst, an average quote for dogs would be: $28 to $36 per month and an average quote for cats would be: $18 per month.

Our sample quotes are based on: 2 yr old female medium sized mixed breed dog from Minnesota or 2 yr old female domestic short-haired cat from Minnesota with $250 per incident deductible, 80% reimbursement, and $5,000 annual limit. .

Covered Animals: Dogs, Cats

Per Incident Deductibles: $50, $100, $250, $500	Per Incidence Limits: On Wellness Plans Only	Type of Deductable: Incident
Co-Pay Coverage: 70%, 80%, 90%	Annual Claims Limits: $2,000, $5,000	Money Back Guarantee: 14 Days
Minimum Enrollment Age: 8 Weeks	LifeTime Claims Limits: no limits	Multiple Pet Discount: 5% for 2nd pet and 10% for 3rd and subsequent
Maximum Enrollment Age: None	Effective Date: Midnight (EST) after enrollment	Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes	Wellness Coverage: Add-on	No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes	Alternative Therapies: Yes, Including Holistic	Prescription Drug Coverage: Yes

Figo pet insurance was born from the founders love for their pets and their obsession for technology. Their desire was to combine their backgrounds in insurance with their love of technology to build a pet insurance platform that would provide great insurance while making life easier for pet owners and their pets.

After enrolling with Figo their standard waiting periods are 14 days for illness and 5 days for accidents. However both of these can be waived if you use a partner Veterinary, Shelter or Humane Society code when purchasing the policy, and your pet receives a wellness exam within 48 hours prior to purchase.

There is also a 6-month waiting period for problems associated with cruciates and patellas (knees). However, if you choose to have your pet examined by a veterinarian within the first 30 days of the policy, and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion will be waived as well.

They also mention that they will review pre-existing conditions on a case by case basis, and may waive a pre-existing condition if they deem the condition was curable and it has not shown signs or symptoms in the prior 12 months.

A Few Details about this Insurer:

With Figo, an average quote for dogs would be: $21.04 - $25.07 and an average quote for cats would be: $11.34 - $12.18.

Our sample quotes are based on: 2 year old female mixed breed (medium dog or domestic short-hair cat) from Minnesota with $200 deductable, 80% reimbursement and $10,000 annual limit.

Covered Animals: Dogs, Cats

Annual Deductibles: $50, $100, $200, $500	Per Incidence Limits: No Limits	Type of Deductible: Annual
Co-Pay Coverage: 70%, 80%, 90%, 100%	Annual Claims Limits: $10,000, $14,000, No Limits	Money Back Guarantee: 30 Days
Minimum Enrollment Age: 6 Weeks	LifeTime Claims Limits: no limits	Multiple Pet Discount: 10%
Maximum Enrollment Age: None	Effective Date: 12:01am (EST) the day after enrollment	Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes	Wellness Coverage: No	No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes	Alternative Therapies: Yes	Prescription Drug Coverage: Yes

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 similar to PetFirst –  14 day waiting period for illness but coverage for accidents begins within 48 hours for most states, however some states require 14 days.

48 Hour waiting Period for Accidents
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming

14 Day Waiting Period for Accidents
Alaska, District of Columbia, Florida, Idaho, Kansas, Louisiana, Minnesota, Montana, New Hampshire, North Dakota, Rhode Island, South Carolina, Vermont, Washington, West Virginia

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:

With Embrace, an average quote for dogs would be: $32 per month and an average quote for cats would be: $20 per month.

Our sample quotes are based on: 2 year old mixed breed spayed female, with $5,000 annual limit, $200 deductible, and 80% reimbursement level.

Covered Animals: Dogs, Cats

Annual Deductibles: $200, $300, $500, $1000	Per Incidence Limits: No Limits	Type of Deductable: Annual
Co-Pay Coverage: 65%, 80%, 90%	Annual Claims Limits: $5,000, $10,000, $15,000	Money Back Guarantee: 30 Days
Minimum Enrollment Age: 6 Weeks	LifeTime Claims Limits: no limits	Multiple Pet Discount: 5%
Maximum Enrollment Age: 14 Years	Effective Date: Day after purchase	Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes	Wellness Coverage: Add-on	No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes	Alternative Therapies: Yes	Prescription Drug Coverage: Add-on

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.

Bringing an end to our list of the Best Insurance with the Shortest Waiting Period is PetPremium. They provide flexible plans that allow customers to customize to their needs. PetPremium has a 1 days for accidents, and 14 days for illness and ligament and knee conditions.

A Few Details about this Insurer:

With PetPremium, an average quote for dogs would be: $11 to $30 per month and an average quote for cats would be: $7.50 to $22.50 per month.

Our sample quotes are based on: 2 year old male mixed breed with a $250 deductible, and 80% reimbursement level.

Covered Animals: Dogs, Cats

Annual Deductibles: $100, $250, $500	Per Incidence Limits: No Limits	Type of Deductable: Annual
Co-Pay Coverage: 70%, 80%, 90%	Annual Claims Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, No Limits	Money Back Guarantee: 30 Days
Minimum Enrollment Age: 8 Weeks	LifeTime Claims Limits: no limits	Multiple Pet Discount: 10%
Maximum Enrollment Age: 12 Years Dogs, 14 Years Cats - New Customers	Effective Date: Day after enrollment	Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes	Wellness Coverage: Add-on	No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Premium Plan Only	Alternative Therapies: Yes	Prescription Drug Coverage: Yes