When does my policy start and when can I make a claim?

Policy Start Date: 

- Your policy starts at 23:59 on the chosen start date. 

- Coverage doesn’t begin immediately; there are exclusion periods that need to pass symptom-free before you can claim for treatment. 

Exclusion Periods:

- 1 Day: Accidental Injury (except Specified Conditions) 

- 14 Days: Illness (except Specified Conditions) and Dental Illness for pets under 1 year old 

- 6 Months: Dental Illness for pets 1 year and older, Behavioural Conditions, and Specified Conditions 

Making a Claim: - You can submit a claim for unexpected injuries or illnesses covered by your policy after the exclusion periods end. - Claims must be submitted within 90 days from the date of treatment to ensure timely assessment. If you have any questions about your coverage or claims, our team is here to help.