When does my policy become effective?

Petplan policies are effective at 12:01am (EST) the day after enrollment.

There is a fifteen (15) day waiting period after the effective date of the policy during which we will not cover any injury illness of your pet. There is a (6) month exclusionary period on hip dysplasia and cruciates and patellas. Waiting periods and exclusionary periods may vary depending on state. Refer to your Terms and Conditions for specific details.

We do offer an option to have the six (6) month cruciate exclusion waived. Coverage will be afforded if your pet is examined by a veterinarian within the first thirty (30) days of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to the knees, subject to the waiting period.

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