Best Pet Insurance With No Waiting Period

MetLife ranks as the best pet insurance with no waiting period for dogs, offering immediate accident coverage starting on your policy's effective date. The company stands out with a unique family plan that covers up to three pets on one policy with a shared deductible, plus it has no restrictions on age and breed for enrollment. However, MetLife only covers pre-existing conditions if they were covered by your pet’s previous provider and you switch to a MetLife Pet group policy.

MetLife leads the affordability rankings among dog insurance providers with no waiting period in our study. Monthly premiums range from $35 to $263, depending on your dog's age and coverage choices. Check the table below to compare costs based on your chosen deductible, annual limit and reimbursement rate.

MetLife earns second place in customer experience among dog insurance providers with no waiting period that we analyzed. The company earned a high rating of 4.5 out of 5.0 on Trustpilot, but our social media analysis shows mixed sentiment on Reddit, with only eight out of 20 comments studied being positive.

MetLife offers accident and illness policies with annual limits ranging from $500 to $25,000 in $1,000 increments, deductibles between $0 and $2,500 and reimbursement rates from 50% to 90%. The company has no upper age limits and breed restrictions for enrollment, though it only covers pre-existing conditions if they’re covered by your previous provider and you switch through an employer group plan. While MetLife has a 0-day waiting period for accidents, it imposes a 14-day waiting period before illness coverage starts.

Embrace offers the best pet insurance with no accident waiting period for cats, according to our analysis. The company provides various coverage options to customize your policy, including unlimited annual reimbursement. It also covers curable pre-existing conditions if they’re cured and symptom-free for 12 months. However, Embrace’s premiums are higher than average.

Cat owners seeking coverage with no waiting period for accidents will find Embrace ranks second in affordability among providers we analyzed. Monthly premiums range from $14 to $161 based on your cat's age, deductible, reimbursement rate and annual limits. Review the table below to find costs tailored to your cat's specific coverage needs.

Embrace earns the top customer experience ranking among cat insurers offering immediate accident coverage in our study. The company maintains a 4.1 out of 5.0 rating on Trustpilot. That said, Embrace only has 29% positive sentiment on Reddit, with six out of 21 comments being favorable.

Embrace offers pet insurance with annual limits from $2,000 to unlimited, deductibles from $100 to $1,000 and reimbursement rates between 70% and 90%. The company also has optional add-ons for exam fees, prescription medications and preventive care. Embrace has a 0-day waiting period for accidents and 14 days for illnesses, with curable pre-existing conditions becoming eligible for coverage after your cat remains symptom- and treatment-free for 12 consecutive months.