⏱️ HOW-TO

Pet Insurance Waiting Periods

Current-document note

No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.

Last updated: June 11, 2026

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

The Standard Waiting Periods

0-1 day

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

30 days

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

6 months

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Waiting Periods by Provider

ProviderAccidentIllnessCruciate LigamentSpecial Notes
RSPCAThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Standard across the board
TrupanionThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
PetsyThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Standard
Bow Wow MeowThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Standard
Budget DirectThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Standard
WoolworthsThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
KnoseThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Shorter illness wait
PIAThis statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.This statement is not presented as current evidence. Check a current primary source before relying on it.Standard
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Related Guides

Pre-existing Conditions

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

How to Claim

Claim only after waiting periods

Excess Explained

How excess and waiting periods interact

← How to Claim · Next: Pre-existing Conditions →