After you have taken out an insurance policy and it has been in effect for a period of 15 days, you can access the veterinary coverage, veterinary expenses in the event of an accident, stays in dog/cat kennels, damages (due to death or accidents), loss, putting down, and disposal of the remains. If your pet has to be put down due to old age or illness, you must wait for one year after the effective date of the insurance policy to access this coverage.