Pets Best Insurance vs. FIGO

Pets Best Insurance Enrollment Requirements

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:

Waiting Periods for Most States:

• Accidents: 3 days
• Illnesses: 14 days
• Cruciate Ligament Conditions: 6 months
• Routine Care: 0 days

Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington

• Accidents: 0 days
• Illnesses: 14 days
• Cruciate Ligament Conditions: 30 days
• Routine Care: 0 days

Waiting Periods for North Dakota Only

• Accidents: 3 days
• Illnesses: 14 days
• Cruciate Ligament Conditions: 30 days
• Routine Care: 0 days
  

** 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.

Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment

Figo Pet Insurance Enrollment Requirements

• There is a 6-month waiting period for both hip dysplasia and orthopedic conditions. Both can be waived if the exam/waiver form is completed by a veterinarian within the first 30 days of the policy period and there are no pre-existing issues.