Like all pet insurance companies, pre-existing conditions are not covered. That means anything diagnosed or symptomatic before the policy starts or in the waiting period would not be eligible for coverage. Prudent Pet has a 5-day waiting period for accidents, a 14-day waiting period for illnesses, and a 6-month waiting period for knee and ligament issues. The 6-month waiting period can be waived, however, if your vet signs a waiver within the first 30 days of the policy stating that your pet has no issues in that area. That said, we can still protect your pet from the unexpected. While their allergies will not be covered, there are many other ailments that could happen that will be covered. Pet Insurance is important to have so that in the event something does happen, you’re not making tough decisions based on finances.