There is a 21 day waiting period for most accidents and illnesses; with the following exceptions:There are no waiting periods for Accidental injuries arising from Anaphylactic shock, Burn or Electrocution, Motor Vehicle Accidents or Snake Bite ToxicityNo waiting periods for optional Routine Care cover6 month waiting period for Cruciate Ligament Conditions6 month waiting period for optional Dental coverConditions arising in the waiting period or before the policy starts, are not covered. Please refer to the PDS or your schedule if you are an existing Pet Insurance customer.