Best Pet Insurance Plans with No Waiting Period (2024)

Five days for accidents, 30 days for illnesses

Learn more: Spot pet insurance review

Two days for accidents, 14 days for illnesses, and six months for cruciate ligament events.

More: Read our Lemonade pet insurance review

Lemonade combines low prices with top-of-the line technology to top our list for best pet insurance with short waiting periods. You can quickly take out a pet insurance policy on Lemonade’s well-designed website: You’ll just answer a few easy-to-follow questions and get an instant quote.

You’ll manage your Lemonade pet insurance policy straight from a dedicated app, and money is deposited straight into your bank account after you file a claim. Lemonade also offers an extensive breadth of coverage, including preventative care, dental procedures and prescription medications. Lemonade’s waiting period is very short to begin with, and there’s no waiting period at all for preventative care coverage.

14 days for illnesses and 48 hours for accidents.

Six months for dogs for orthopedic conditions.

Special notes: You can shorten the orthopedic condition waiting period to 14 days if you take the dog to a vet for an orthopedic exam at your expense or by using the wellness benefits and get an ‘all-clear’ on ortho issues as reported on your Orthopedic Report Card (every dog with Embrace has one).

If your vet does find something, for instance with the right hip, then all areas not impacted will be reduced but the right hip would be considered pre-existing. Embrace does have a clause where you can ‘earn back’ the coverage and they will remove the pre-existing condition if you get the dog reexamined in six months and the issue has gone away.

More: Read our Embrace pet insurance review

Your pet insurance deductible is the amount you pay out-of-pocket before your coverage kicks in to help cover the rest of the bill. Embrace has an unusual feature for its deductible: For every year you don’t file a claim, your deductible falls by $50. Over time, it can even reach $0 – so if your pet stays healthy, this makes Embrace a fantastic deal.

Embrace has a very short waiting period of just two days for injuries and two weeks for illnesses. There is a longer waiting period for orthopedic conditions, but you may be able to shorten it to just 14 days by having your vet fill out a short waiver form. 

Embrace also has one of the more generous insurance policies on pre-existing conditions: If your pet has been symptom-free for the past 12 months, it’s covered.

15 days for accident and illness and 12 months for hip dysplasia.

Special notes: They do have exclusions for the ‘other side’ if one side experiences an orthopedic event.

Learn more: Healthy Paws review

The last posted data showed 14 days illnesses and five days for accidents.

According to Figo, these vary by state and you need to check with customer service prior to enrolling.

More: Read our Figo pet insurance reviews.

At just one day, Figo offers the shortest waiting period for pet insurance on the market. If you’re nervous about your pet getting hurt before your insurance can take effect, this is the company to go with.

Figo offers policies with an unusually high 100% reimbursement rate, meaning the insurance company will pick up the entire bill once you hit your deductible. Figo is also unusually quick to process claims. The company says you can get reimbursed as soon as within three business days after filing your claim. 

Learn more: Figo review

Five days for accidents or injuries and 30 days for illnesses.

Learn more: Trupanion review

Three days for accidents and 14 days for illnesses.

Six months for cruciate ligament events and any other related conditions.

Special notes: No wait for routine care.