When does coverage start?

Once you start a new policy, coverage doesn't start immediately.

Exclusion periods begin on your policy start date and when your cover is increased (for that increased portion of your cover), and exclusion periods need to be passed symptom free before your coverage starts, so that we can begin to reimburse for your unexpected vet treatment costs.

The exclusion periods are:

• 1 Day Exclusion Period for Accidental Injury (except Specified Conditions)
• 14 days Exclusion Period for Illness (except Specified Conditions)
• 14 days Exclusion Period for Dental Illness for pets under 1 year old
• 6 months Exclusion Period for Dental Illness for pets 1 year and older
• 6 months Exclusion Period for Behavioural Conditions
• 6 months Exclusion Period for Specified Conditions

Once your policy is set up, you can take a copy of the Waiver Form to your next vet visit and apply to reduce the exclusion period for Specified Conditions by returning the completed form to us (within 14 days of your visit).