Your policy will commence at 23:59 on the day that your proposal has been accepted by us. Your Certificate of Insurance will state the commencement date of your policy, and your policy will be effective from 23:59 on the date.

A waiting period is the period that your pet is not covered starting from the commencement date of the first policy period in which you obtained cover for the applicable condition or benefit.
Depending on your level of cover, there may be different waiting periods that apply:

• Accidental injuries: 2 days
• Illnesses: 30 days
• Cruciate ligament conditions: 6 months
• Specified dental conditions: 6 months
• Behavioural conditions: 30 days

Note: The waiting period that applies for specialised therapy items is dependent on the waiting period for the covered condition.

Cruciate ligament condition waiting period waiver

We will agree to waive cruciate ligament condition waiting period if:

• your vet sends us a completed and signed “Cruciate Ligament Exam Form” within 14 calendar days of the cruciate examination date, certifying that your pet was examined by your vet at your expense on or after the commencement date of the first policy period; and
• the evidence from your vet meets our assessment criteria as set out in the above form, and we confirm this in writing to you.

For any other questions related to your policy please call our customer service center on the number below. Choose Option 3 in the call menu.
You can also request a call back using the form below.