p>Your policy will start at one minute to midnight (11.59pm) on the commencement date shown in your Certificate of Insurance. You can claim immediately for events covered under the accidental injury section of the policy, provided the accident occurred after the start date.</p><p>You can claim for illnesses for your dog or cat that first occurred 30 days after the start date of the policy.</p><p>For cruciate ligament conditions, regardless of what caused the condition, there is a waiting period of six months, beginning from the start date of the first policy period. You can apply to have this waiting period waived by completing the Cruciate Ligament Waiver Form.</p