Dog Insurance with Immediate Cover

August 23, 2022by DOGuide0

You want dog insurance with immediate cover. We understand. Whether something has happened that you need to take your pup to the vet, or you’re just afraid something will happen before the end of the waiting period. In any case, you just want dog insurance with immediate cover, and we’re going to help you.

Dog Insurance with Immediate Cover

There is no dog insurance with immediate cover. All pet insurance companies have a waiting period. The good news is that some pet insurance companies have shorter waiting periods than others have, so you may be able to take advantage of that.

dog insurance with immediate coverage

Pet Insurance Companies with Short Waiting Periods

While there isn’t dog insurance with immediate cover, there are pet insurance companies that have short waiting periods. The following are the pet insurance providers with the shortest waiting periods.


PetFirst Healthcare insurance receives the award for having THE shortest waiting period for accident-related claims. After enrolling in a pet insurance plan, the accident coverage goes into effect at midnight that day. This means that emergency care costs would be paid for by the pet insurance provider.

Illness coverage is 14 days, which is industry standard. Pre-existing conditions are not covered even after the waiting period. Just like there isn’t dog insurance with immediate cover, there aren’t pet insurers that offer coverage for pre-existing conditions.

The bonus with PetFirst is that they have some of the lowest policies for pet insurance! So, shortest waiting period AND affordable dog insurance. You can’t go wrong with that at all.
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An Embrace pet insurance policy has the next shortest waiting period. When pet owners enroll in a pet insurance policy, they do not receive coverage for illness-related vet bills until it’s been 2 weeks (14 weeks).

The good news is that the waiting period for accident-related vet bills is just 48 hours.

So, pet owners, who are anxious their pup may get hurt and the vet bills won’t get covered can breathe a sigh of relief if they go with Embrace or PetFirst.

Is Embrace Pet Insurance Good?


PetPlan insurance in the USA has a 15-day waiting period for illness and injury.

The benefit is that PetPlan offers hip dysplasia treatment AFTER 6 months. What this means is if your pup is diagnosed with hip dysplasia and receives treatment, the pet health insurance policy will cover treatment for it after 6 months.

Hip dysplasia is a common condition that many breeds are susceptible to, so if your pup doesn’t suffer from it yet, don’t wait to enroll in a pet insurance policy. The treatment isn’t cheap, so dog insurance is worth it.

Is Petplan Insurance Any Good?


Figo is another great option for a short waiting period. Accident coverage starts 5 days after enrolling in a pet health insurance plan. Illness coverage happens after 14 days just like the others.

Pets Best

Pets Best offers accident coverage three days after enrolling in a pet insurance plan. Pet insurance coverage for illnesses starts 14 days after enrollment.

Healthy Paws

Healthy Paws is a well-known pet health insurance provider but it has some of the longest waiting periods for accident and illness coverage, which is 15 days.

They offer hip dysplasia coverage, but only after 12 months, which is much more than PetPlan offers.

Due to the popularity of Healthy Paws, they are the cheapest dog insurance company. However, their premiums aren’t much different. The best way for pet parents to know how much they will pay for their pet’s insurance policy is to request a quote.

immediate coverage dog insurance

What to Consider with Dog Insurance Quotes

Every pet health insurance provider has different prices and stipulations. When looking at different quotes, pay attention to these three things:

  1. Premiums
  2. Annual Deductibles
  3. Annual Limits

Monthly premiums are determined by the coverage you select. It is possible to get accident-only coverage or illness-only coverage. Comprehensive coverage includes everything.

Ask for quotes for each one to see how much difference there is because you’ll likely find that it isn’t much difference between comprehensive coverage and only choosing one coverage.

Annual deductibles have to do with how much you have to pay out-of-pocket before your vet bills are covered. The higher your deductible, the lower your premiums. Come up with an amount that you can comfortably pay if you have to seek emergency care for your pet.

Annual limits are a thing and many pet owners don’t know about it, so please ask the insurance agent you work with for your pet insurance policy. You don’t want to be caught with vet bills to pay after having pet insurance.

How to Save Money on Dog Insurance Costs

You can save money on dog insurance costs in many ways. The easiest way to save money is to enroll more than one pet in a policy. This includes adding your cats to the policy. Multiple pet discounts can be a great deal.

If you work with animals, mention it because many insurance companies offer discounts to animal care professionals.

Military members can also benefit from a discount from many dog insurance providers. Always ask!

Wellness Coverage for Routine Care

In addition to not having dog insurance with immediate cover and coverage for pre-existing conditions, wellness coverage is also not offered.

Many pet insurers do offer wellness program options, which can be added to policies. These programs help pet parents budget for routine care. They offer options to pay a certain amount into a care account and they receive an additional percentage of that amount. You learn more about this here:

Dog insurance with Immediate Coverage

Dog insurance with immediate coverage is not available. Every single pet health insurance company has a waiting period. The good news is that PetFirst has THE shortest waiting period for accident coverage of midnight activation. Illness coverage still has the industry standard of 14 days.

Pre-existing conditions are also not covered by any pet insurance provider. The good news is that for chronic conditions such as hip dysplasia and other orthopedic conditions, many insurers will cover treatment after a waiting period of 6 to 12 months.

Preventative care coverage is also not available. However, many insurance providers offer preventative coverage options that can reduce the expense of routine care.

When deciding whether or not dog insurance is worth it, know that the monthly expense of a pet insurance plan is likely MUCH less than what you spend on going out to dinner or getting Starbucks each month. The benefit is that having insurance provides peace of mind that you won’t be responsible for thousands of dollars to save your pup’s life. You also will never have to decide between your pup’s life and its financial obligations of it.

Click below to request a quote from each insurance company. It only takes a few minutes. It’s free. You’ll finally know exactly how much it will cost you, and you may just be surprised how inexpensive it really is to provide emergency care to your pup.

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