How long does it take to get my pet insurance policy?

The time it takes to get your pet insurance policy can vary depending on the insurance provider and the specific circumstances. In general, the process typically involves submitting an application, undergoing underwriting assessment, and receiving the policy offer. Here's a rough timeline of the process:


  1. Application Submission: This step involves filling out the application form, providing necessary information about your pet, and submitting it to the insurance provider. The application process can usually be completed online, which makes it convenient and efficient.
  2. Underwriting Assessment: After submitting the application, the insurance company will review your pet's information and may request additional details or medical records from your veterinarian. The length of the underwriting process can vary, but it typically takes a few days to a couple of weeks.
  3. Policy Offer: Once the underwriting assessment is complete, the insurance provider will send you a policy offer. This offer includes the details of the coverage, premiums, deductibles, and any policy exclusions or limitations. You will need to carefully review the offer and decide whether to accept it or make any necessary modifications.
  4. Policy Issuance: If you accept the policy offer, the insurance provider will finalize the policy and issue it to you. The policy documents will be sent to you either electronically or through mail, depending on the provider's process. At this point, your coverage will become effective as specified in the policy terms.


The overall timeframe can range from a few days to a few weeks, depending on factors such as the complexity of underwriting, the availability of medical records, and the efficiency of communication between you and the insurance provider. It's important to provide accurate and complete information during the application process to avoid any delays or issues with the underwriting process. If you have any questions or concerns about the timeline, it's recommended to reach out to the insurance provider directly for more specific information.

Disclaimer: The questions and answers above are for educational purposes only. They are meant to provide the public with a general conceptual understanding of insurance and do not constitute advice or analysis. Some answers might be incomplete, outdated, and even not always accurate depending on the particular rules applicable to your state. Importantly, these questions and answers are generic and do not relate to any particular insurance product, including products available on the Waffle platform. If you have any questions about any of your own insurance products, always check the policy first and direct your questions to your insurance agent or the insurance company underwriting your policy.