There are three waiting periods to be mindful of with PHI Direct.
Many pet insurance policies have waiting periods, which is the amount of time after your policy effective date that must elapse before your coverage goes into effect for accidents, illnesses, or other events. With PHI Direct, you can expect the following waiting periods:
- For accidents: 48 hours
- For illnesses: 14 days
- For cruciate ligament conditions: 60 days
Please note, all waiting periods begin at 12:00 a.m. on your policy effective date. If you submit a claim for a condition before its applicable waiting period, it will be denied as it is ineligible for coverage.
You can learn more about PHI Direct’s waiting periods in our sample policy.