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Which Pet Insurance Has the Shortest Waiting Periods?
Surprise: The waiting period to use your coverage ranges from 2 days to 6 months, depending on the insurer and condition type.
Provider
Figo
Embrace
Lemonade
ASPCA
Trupanion
Accidents
1 day
2 days
2 days
14 days
5 days
Illnesses
14 days
14 days
14 days
14 days
30 days
Cruciate/Orthopedic
6 months (can waive)
6 months (can waive)
6 months (fixed)
14 days
30 days
Takeaway: Figo and Embrace win for fastest activation—but orthopedic coverage may still lag unless you provide a clean vet exam.
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