Questions
Pet Insurance Waiting Period After Cancellation in Omaha
Yes, cancelling and reapplying for pet insurance typically restarts the waiting period for accidents, illnesses, and orthopedic conditions. Coverage won't begin until the new waiting period ends, so avoid a lapse if your pet has ongoing needs.
Does Cancelling Pet Insurance Trigger a New Waiting Period?
Yes, when you cancel a pet insurance policy and later reapply, the waiting period starts over. This applies even if you had coverage for years before cancelling. Most insurers treat a new application as a new policy, so you'll face a fresh waiting period before coverage begins.
| Scenario | Waiting Period | Coverage Status |
|---|---|---|
| Cancel and reapply with same insurer | Restarts from scratch | No coverage during new waiting period |
| Switch to a different insurer | New waiting period applies | No coverage until new period ends |
| Lapse in coverage then reinstate | Depends on insurer; often restarts | Gap in coverage; pre-existing may apply |
| Continuous coverage without cancellation | No new waiting period | Coverage continues as long as premiums paid |
If you're considering cancellation, think about your pet's health and any upcoming needs. A short gap could mean a long wait for coverage on new conditions.
Typical Waiting Periods for Accidents, Illnesses, and Orthopedic Issues
Waiting periods vary by insurer and plan, but here are common ranges you might see when you reapply after cancellation.
| Coverage Type | Typical Waiting Period | Notes |
|---|---|---|
| Accidents | 1–5 days | Shortest wait; covers injuries like broken bones or cuts |
| Illnesses | 14–30 days | Covers conditions like infections or digestive issues |
| Orthopedic conditions | 6 months to 1 year | Often longer for cruciate ligament issues, hip dysplasia |
| Dental illness | 6 months or more | Some plans require a wait for dental disease coverage |
| Pre-existing conditions | Not covered | Conditions diagnosed before coverage start are excluded |
These are general ranges; check your policy documents for exact terms. If you're in Millard or West Omaha and need help understanding coverage, our team can discuss what to expect.
How to Avoid a Waiting Period When Switching Pet Insurance in Omaha
A good fit if…
- You're switching providers and want continuous coverage for your pet.
- Your pet has no pre-existing conditions that could be excluded under a new policy.
- You can afford a slightly higher premium for a plan that offers waiting period waivers.
Consider another option if…
- Your pet has a chronic condition that a new insurer may not cover.
- You're on a tight budget and can't pay extra for a waiver.
- You're happy with your current insurer and don't need to switch.
Some insurers, like Figo Pet Insurance, may offer a waiting period waiver if you're switching from another provider with continuous coverage. Check with each company—Petplan and ASPCA Pet Health Insurance also have their own rules. If you're unsure, call us at (402) 896-4511 and we can help you think through your options.
What Happens If Your Pet Needs Care During the Waiting Period?
If your pet gets sick or injured during the waiting period, the insurance won't cover those costs. You'll pay out of pocket. This is why it's important to plan ahead—don't cancel your current policy until you have a new one in place, and know the exact waiting period dates.
If an emergency happens during the waiting period, you can still visit a vet, but you'll be responsible for the bill. In Omaha, emergency vet visits can be costly, so consider setting aside funds or looking into payment plans. Our clinic offers medical, dental, and surgical care, and we can discuss options if you're in a bind.
For details on services and visits, see the main page about veterinarian omaha ne.
Directions to our Veterinarian in Omaha, NE from Oak View Mall
Start at Oak View Mall and head to Goodrich Veterinary Clinic at 14120 S St, Omaha, NE 68137.
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Frequently asked questions
Can I cancel pet insurance and reapply later without a waiting period?
No, most insurers require a new waiting period when you reapply, even if you had coverage before. The only way to avoid a waiting period is to maintain continuous coverage without cancellation.
Do all pet insurance companies have waiting periods?
Most do, but the length varies. Accident waits are often short (days), while illness and orthopedic waits can be weeks or months. Some insurers may waive waiting periods if you switch from another provider with proof of coverage.
What counts as a pre-existing condition after cancellation?
Any condition that was diagnosed or showed symptoms before your new policy's start date is considered pre-existing and is typically excluded from coverage. This includes conditions you may have claimed for under your old policy.
How can I protect my pet during a waiting period?
Keep your pet healthy with regular vet checkups, maintain parasite prevention, and avoid risky activities. If you're switching insurers, try to time the new policy to start the day after your old one ends to minimize gaps.
Also asked as
- Does pet insurance waiting period reset after cancellation?
- How long do I have to wait for pet insurance after canceling?
- Can I avoid waiting period when switching pet insurance?