What a pet insurance waiting period actually does

It becomes a pre-existing condition. Not postponed, not covered later: excluded, and in most policies excluded permanently. Trupanion says it plainly, that illnesses occurring during its 30 day waiting period "will be considered pre-existing conditions". Spot says any condition occurring during a waiting period is pre-existing. That inversion is what makes the first month matter more than the price.

Why is that worse than it sounds?

Because a condition does not have to be diagnosed to count. Most policies exclude on clinical signs or symptoms, not on a diagnosis. A note in the record that a puppy was limping, written on day nine, can be enough for a knee claim in year three to be refused as related. You are not being punished for claiming early; you are being held to what the record showed before cover began.

How far back do insurers look?

Further than most buyers expect. Trupanion's policy excludes illness resulting from any condition for which evidence or symptoms already existed at, or during the 18 months prior to, the enrolment date. Eighteen months of clinical history is a long window, and it is the kind of number that appears in no comparison table anywhere. It is in section 5.c(1) of a nine page document.

Can a waiting period be waived?

Sometimes, and the offer deserves reading twice. Lemonade will waive remaining waiting periods after a comprehensive veterinary examination, with a waiver form submitted within two days of the exam. The same clause adds that any condition found during that exam may be considered pre-existing. So the exam that shortens your wait is also the exam that can permanently exclude whatever it finds. That is not a trick, it is a fair trade, but it is a trade rather than a free upgrade. Figo offers the same bargain on a longer clock: its six month orthopedic wait can be lifted by an orthopedic examination and a waiver form filed within thirty days of the policy taking effect.

Why do orthopedic conditions get their own clock?

Because they are the expensive ones and the ones a buyer is most likely to already suspect. The four policies here answer it four different ways, and the spread is wider than any premium difference. Spot applies a single 14 day period to accidents, illnesses and knee conditions alike, while treating knee conditions as bilateral regardless of cause. Trupanion states no separate orthopedic period, so orthopedic illness falls under its general 30 days. Lemonade sets 14 days for illnesses and 30 for orthopedic conditions, defining orthopedic to include elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation and ruptured cranial cruciate ligaments. Figo goes furthest: six months for orthopedic conditions in dogs, and its definition of orthopedic reaches further than the others, naming osteosarcoma among them. Four defensible designs, and the one that suits you depends entirely on your breed.

Does a resolved condition ever come back into cover?

At three of the four, on paper. Spot restores cover after 180 symptom-free and treatment-free days, Lemonade after twelve consecutive months, Figo after 365 days. Trupanion states nothing at all, so its exclusions have no stated expiry. But the carve-outs decide whether that route exists for your dog rather than in general: Figo names genetic, ligament and knee, orthopedic and chronic conditions as never curable, and Spot carves out chronic and knee and ligament conditions. Between them that removes most of what an expensive breed actually gets.

What does this mean for when you buy?

The cheapest useful thing you can do is enrol before there is anything in the record, which for most owners means the week the animal arrives rather than the week something goes wrong. That is not a sales argument for any particular policy, and this site sells none. It follows from the wording: every one of these documents looks backwards from the start date, so the value of the start date is entirely a function of how empty the history behind it is.

We have not bought these policies and have not filed a claim under one. Every figure here is read from the documents linked in each row.

How long each waiting period runs

One row per insurer for orthopedic conditions, the class that carries the longest clock at most companies and the one a buyer is most likely to need.

Sorted by waiting period, shortest first.
Insurer	Waiting period	Second side of the body	Hereditary and congenital	Where it says so
Spot	14 days One 14 day waiting period, the same as for any illness. The bilateral clause in this policy is written by named condition rather than by class: it covers ligament, patella, meniscus and soft tissue disorders of the knee, and calls them bilateral and related regardless of cause. Of the orthopedic conditions in this register only patellar luxation falls inside that wording; hip dysplasia, elbow dysplasia and panosteitis are not named there.	Second side counts as pre-existing	Covered	Definitions, Ligament and Knee Conditions, page 2, which names ligament, patella, meniscus and soft tissue disorders of the knee and calls them bilateral and related regardless of cause; Definitions, Bilateral Condition, page 2; Exclusions c and o
Lemonade	30 days 30 days for orthopedic conditions, which this policy defines as including elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation and ruptured cranial cruciate ligaments. The second-side rule comes from the definition of a Bilateral Condition rather than from the orthopedic clause: it is a test on the condition, which has to be chronic and affect both sides, and not on the class.	Second side counts as pre-existing	Covered	Waiting periods; Definitions, Orthopedic Conditions, page 14, which names elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation and ruptured cranial cruciate ligaments; Definitions, Bilateral Condition, page 14: "a chronic condition that affects both sides of your pet's body, even if clinical signs or symptoms do not present at the same time"; Pre-existing conditions, which excludes bilateral conditions whose signs were present before the start date or before the end of a waiting period
Trupanion	30 days No separate orthopedic waiting period is stated in this specimen; orthopedic illness falls under the general 30 day illness waiting period. The bilateral definition at 7.c is open rather than closed: it reads "a condition that may affect both sides of the body, including but not limited to" and then lists examples. The operative test is therefore the first clause, so the rule reaches any condition that occurs on both sides, and the named examples are a floor rather than a limit.	Second side counts as pre-existing	Not stated in the document	Waiting period at 5.b(2), page 3 of 9; bilateral exclusion at 5.c(2), page 3 of 9, which names luxating patella by example; definition of a bilateral condition at 7.c, page 6 of 9, which names elbow dysplasia including fragmented coronoid process, ununited anconeal process and osteochondritis dissecans, cruciate issues, luxating patella, hip dysplasia, cherry eye, entropion/ectropion, panosteitis and cataracts
Figo	180 days Six months from the original start date, and it applies to orthopedic illnesses and to orthopedic conditions caused by an accident alike. That is the longest wait of any insurer in this register. It can be waived, but only actively: an orthopedic examination by a veterinary provider plus the Orthopedic Waiver Form submitted within thirty days of the policy taking effect. Two things widen this clause beyond what the word orthopedic suggests. The definition names osteosarcoma as an orthopedic condition, so bone cancer waits six months here rather than fourteen days, which is the opposite of how Lemonade classes it. And orthopedic conditions are named among those never considered curable, so the 365 day symptom-free route back into cover does not apply to them. The bilateral rule in this policy is written for knee and ligament conditions by name, so it does not reach hip or elbow.	Second side counts as pre-existing	Covered	Definitions 44, Waiting Period, page 3 of 13, which sets the orthopedic waiting period for dogs at six months; Definitions 26, Orthopedic Condition, page 2 of 13, which defines the class by the musculoskeletal system and adds that for the purposes of this policy it includes IVDD, any condition affecting the intervertebral spaces and osteosarcoma; General Conditions 6, page 4 of 13, on the Orthopedic Waiver Form

For the same orthopedic condition the shortest wait in this register is 14 days and the longest is 180, and the dog that limps on day 20 lands on the wrong side of that difference at three of the four.

Read from each insurer's published specimen policy on 1 September 2026. Oldest check date on this page: September 1, 2026.