Is Pet shield Pet Insurance Worth It? Our Review 2025
Our expert's opinion on Pet shield
Pet Shield Insurance, underwritten by Petline Insurance Company, is a Canadian pet insurance policy tailored for cats and dogs, offering four distinct plans (Secure 1-4) with a range of coverage options—including robust reimbursement for illness, accident, dental, behavioral, and alternative therapies, plus prevention benefits exclusive to Secure 4. All plans come with a minimum 20% coinsurance (owner copay), and annual deductibles that scale with both the animal’s age and plan selected; annual and per-incident limits apply but require close review for each plan. Pet Shield’s flexible structure allows customization for most budget levels, but its rolling coinsurance and strict pre-existing condition exclusions place it between value-oriented insurers and premium players—its strength is broad, modular medical coverage rather than ultra-low prices or unlimited claims. Pet Shield is recommended for owners of young or mid-aged pets who seek broad medical cover, prevention options, and transparency in coverage, and who can supply thorough veterinary documents, but are comfortable sharing part of the cost. Operated by Petline Insurance Company, a longstanding Canadian insurer, Pet Shield’s financial stability is proven though exact revenue or premium figures are undisclosed; claims must be submitted with detailed veterinary documentation and are managed via postal, email, or fax (not fully digital), with processing times not explicitly stated in the policy documentation.
- ✅Four modular plans, including broad dental and alternative therapy cover
- ✅Prevention allowance available on Secure 4
- ✅Covers veterinary fees, hospitalization, surgery, diagnostics
- ✅Annual and per-incident limits reset with policy renewal
- ✅Clear administrative structure; annual deductible by age/plan
- ✅Accident waiting period only 48 hours
- ✅Option to change plans annually under conditions
- ❌Minimum 20% coinsurance on all claims, rising to 50%
- ❌Strict and permanent pre-existing condition exclusions
- ❌Paper-based or email/fax-only claims process—not fully digital
- ❌Franchise and coinsurance rise with pet age
- ❌Wellness/prevention budget only on top plan (Secure 4)
- ✅Four modular plans, including broad dental and alternative therapy cover
- ✅Prevention allowance available on Secure 4
- ✅Covers veterinary fees, hospitalization, surgery, diagnostics
- ✅Annual and per-incident limits reset with policy renewal
- ✅Clear administrative structure; annual deductible by age/plan
- ✅Accident waiting period only 48 hours
- ✅Option to change plans annually under conditions
Our expert's opinion on Pet shield
Score- ✅Four modular plans, including broad dental and alternative therapy cover
- ✅Prevention allowance available on Secure 4
- ✅Covers veterinary fees, hospitalization, surgery, diagnostics
- ✅Annual and per-incident limits reset with policy renewal
- ✅Clear administrative structure; annual deductible by age/plan
- ✅Accident waiting period only 48 hours
- ✅Option to change plans annually under conditions
- ❌Minimum 20% coinsurance on all claims, rising to 50%
- ❌Strict and permanent pre-existing condition exclusions
- ❌Paper-based or email/fax-only claims process—not fully digital
- ❌Franchise and coinsurance rise with pet age
- ❌Wellness/prevention budget only on top plan (Secure 4)
- ✅Four modular plans, including broad dental and alternative therapy cover
- ✅Prevention allowance available on Secure 4
- ✅Covers veterinary fees, hospitalization, surgery, diagnostics
- ✅Annual and per-incident limits reset with policy renewal
- ✅Clear administrative structure; annual deductible by age/plan
- ✅Accident waiting period only 48 hours
- ✅Option to change plans annually under conditions
- Pet Insurance Coverage
- Exclusions of the pet shield
- Pet shield prices
- Pet Shield Assistance
- Customer feedback on the Pet shield
- How to contact Pet shield?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, more than a million Canadians trust us each month to guide them in their most important financial decisions.
Pet Insurance Coverage
Pet Shield offers four main plans—Secure 1, 2, 3, and the comprehensive Secure 4 that includes preventive care—tailored to dogs and cats residing in Canada with deductible levels and eligible expenses that vary by pet age, species, and plan chosen. All plans cover core veterinary care (accident, illness, dental, surgery, diagnostics, medication), with annual deductibles increasing as pets age and a co-insurance rate starting at 20%—notably, both deductible and co-pay may increase based on claim history.
Secure 4 stands out in the Canadian market by providing a preventive care option, while all plans include optional extras like alternative therapies, hospitalization, behavioral therapy, medical devices (subject to prior approval), dental, and select owner benefits such as kennel fees, trip cancellation, loss/theft advertising, and cremation.
However, Pet Shield maintains strict exclusions—pre-existing conditions are never covered, waiting periods are substantial for some risks (up to 6 months for orthopedic and dental), and standard preventive and elective care are excluded except under Secure 4; administrative requirements are particularly stringent.
Ultimately, Pet Shield offers robust, modular plans with a notably broad medical scope, but applicants should carefully review plan details, exclusions, and required documentation given the inflexible stance on pre-existing conditions and evolving contributions with pet age and claim activity.
| Name of coverage | Secure 1 | Secure 2 | Secure 3 | Secure 4 |
|---|---|---|---|---|
| Plan positioning | Entry basic | Intermediate | Advanced | Premium with prevention |
| Type of coverage (accident, illness, both) | Both | Both | Both | Both + prevention |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 80% (20% co-insurance)¹ | 80% (20% co-insurance)¹ | 80% (20% co-insurance)¹ | 80% (20% co-insurance)¹ |
| Annual reimbursement limit | N.C. | N.C. | N.C. | N.C. |
| Deductible (annual or per claim) | Annual, varies by age and option: from $100–$700 | Annual, varies by age and option: from $100–$700 | Annual, varies by age and option: from $100–$700 | Annual, varies by age and option: from $200–$700 |
| Age limits for enrollment (for dogs and cats) | N.C. (veterinary docs required from age 8 dog/10 cat) | N.C. (veterinary docs required from age 8 dog/10 cat) | N.C. (veterinary docs required from age 8 dog/10 cat) | N.C. (veterinary docs required from age 8 dog/10 cat) |
| Pre-enrollment health questionnaire | Required, with recent veterinary documentation | Required, with recent veterinary documentation | Required, with recent veterinary documentation | Required, with recent veterinary documentation |
| Waiting period (illness) | 14 days | 14 days | 14 days | 14 days |
| Waiting period (accident) | 48 hours | 48 hours | 48 hours | 48 hours |
| Lifetime coverage once subscribed | ✅/conditional² | ✅/conditional² | ✅/conditional² | ✅/conditional² |
| Vet consultations (regular + emergency) | ✅ | ✅ | ✅ | ✅ |
| Medications | ✅, prescription only | ✅, prescription only | ✅, prescription only | ✅, prescription only |
| Hospitalization | ✅ | ✅ | ✅ | ✅ |
| Surgery (including anesthesia) | ✅ | ✅ | ✅ | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ | ✅ | ✅ | ✅ |
| Dental care (includes scaling and procedures) | ✅, annual limit applies | ✅, annual limit applies | ✅, annual limit applies | ✅, annual limit applies |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ | ❌ | ❌ | ✅ (reimbursed, specific annual limit) |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅, with vet approval | ✅, with vet approval | ✅, with vet approval | ✅, with vet approval |
| Travel coverage (countries included, duration) | Canada + temporary USA stays | Canada + temporary USA stays | Canada + temporary USA stays | Canada + temporary USA stays |
| Euthanasia | Covered if for insured accident/illness | Covered if for insured accident/illness | Covered if for insured accident/illness | Covered if for insured accident/illness |
| Death & cremation coverage | Funeral/cremation for covered causes, urn included | Funeral/cremation for covered causes, urn included | Funeral/cremation for covered causes, urn included | Funeral/cremation for covered causes, urn included |
| Theft or loss of pet + search expenses | ✅, advertising/reward on prior approval | ✅, advertising/reward on prior approval | ✅, advertising/reward on prior approval | ✅, advertising/reward on prior approval |
| Boarding fees (if owner is hospitalized) | ✅, following hospitalization >2 days, max $25/day | ✅, following hospitalization >2 days, max $25/day | ✅, following hospitalization >2 days, max $25/day | ✅, following hospitalization >2 days, max $25/day |
Good to know
- Annual benefit limits and reimbursement schedules vary by plan and treatment type; consult your specific policy for details.
- Waiting periods for orthopedic conditions and dental care are 6 months (or 14 days for “baby teeth” on prior approval).
- Strict exclusion of any pre-existing condition, including undiagnosed symptoms pre-enrollment or during waiting periods.
- Franchise (deductible) increases with pet age at each anniversary.
- Policy adjustment (plan changes) permitted once per year, but may be subject to new medical underwriting.
- Compliance with annual veterinary exams and vaccination protocols is mandatory to maintain coverage.
Start by comparing Pet Shield's four plan levels to find the best value for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Exclusions of the pet shield
Pet Shield Insurance applies a strict exclusion of pre-existing conditions (including symptoms appearing during waiting periods), which also extends to any issues recorded at the first post-enrollment veterinary exam if initial documentation is incomplete.
Notably, preventive care is covered only under Secure 4, with all other plans excluding routine or elective procedures and hygiene; this makes Secure 4 unique in the Canadian market.
Behavioural, dental, alternative therapies, and medical devices are only covered if specifically added and within plan limits, and are otherwise excluded from core illness and accident coverage.
Additional noteworthy exclusions include professional or competitive use (unless pre-approved), congenital conditions identifiable before coverage, and any claim linked to reproductive issues, special cat diseases like FIP/FIV/FELV (if diagnosed before or during the waiting period), and complications from sterilization.
Cover is geographically limited to Canada and short stays in the USA, and any accidents or illnesses intentionally caused or arising from war, nuclear risks, or natural catastrophes are systematically excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including symptoms during waiting period) • Congenital conditions detectable before enrollment • Conditions noted at initial exam if documentation is incomplete • Professional/competition injuries (unless pre-approved) • Specific cat diseases: FIP, FIV, FELV (if diagnosed before or during waiting period) • Reproductive issues: gestation, birth, breeding-related care • Complications from sterilization or castration • Food (including diet/therapeutic diets) • Non-prescription medications; drugs without D.I.N. or N.H.P. • Elective/preventive acts (except for Secure 4 plan coverage) |
| Behavioural & alternative therapies | • Behavioural problems unless specifically covered • Training classes, correction devices, feeding abnormalities (e.g., coprophagia) • Alternative therapies not explicitly covered by the chosen plan |
| Dental exclusions | • Dental care unless specifically covered by plan limits • Preventive cleanings/procedures (except in Secure 4) |
| Geographic & identification | • Services rendered outside Canada or during prolonged trips abroad (only temporary stays in the USA are covered) • The owner and pet must reside in Canada at least 6 months per year |
| Administrative & compliance | • Costs without required veterinary documentation • Delay or failure to provide supporting documents or submit claims in time • Failure to meet annual exam and vaccination requirements per veterinary guidelines • Breach of legal animal care/registration obligations • Fraud or misrepresentation on application or claims |
| Other exclusions | • Accidents or illnesses resulting from intentional acts • Non-essential home visits or transport • Unnecessary euthanasia (not recommended for covered accident/illness) • Risks from war, nuclear events, natural disasters • Claims exceeding actual expenses or annual policy limits |
• Congenital conditions detectable before enrollment
• Conditions noted at initial exam if documentation is incomplete
• Professional/competition injuries (unless pre-approved)
• Specific cat diseases: FIP, FIV, FELV (if diagnosed before or during waiting period)
• Reproductive issues: gestation, birth, breeding-related care
• Complications from sterilization or castration
• Food (including diet/therapeutic diets)
• Non-prescription medications; drugs without D.I.N. or N.H.P.
• Elective/preventive acts (except for Secure 4 plan coverage)
• Training classes, correction devices, feeding abnormalities (e.g., coprophagia)
• Alternative therapies not explicitly covered by the chosen plan
• Preventive cleanings/procedures (except in Secure 4)
• The owner and pet must reside in Canada at least 6 months per year
• Delay or failure to provide supporting documents or submit claims in time
• Failure to meet annual exam and vaccination requirements per veterinary guidelines
• Breach of legal animal care/registration obligations
• Fraud or misrepresentation on application or claims
• Non-essential home visits or transport
• Unnecessary euthanasia (not recommended for covered accident/illness)
• Risks from war, nuclear events, natural disasters
• Claims exceeding actual expenses or annual policy limits
Pet shield prices
Pet Shield positions itself as a mid-range pet insurance provider in Canada, offering broad coverage options for illness, accidents, dental, alternative, and behavioral treatments, with flexibility to select deductible and co-insurance levels.
The reimbursement structure is standard—usually 80%—with mandatory annual deductibles and co-insurance starting at 20%, which keeps premiums moderate but not the lowest on the market.
While Secure 4 includes rare-in-market preventive care, lower-tier plans remain affordable but their benefits are limited compared to high-end competitors that feature lower deductibles and higher coverage caps.
There is no explicit "fully digital" pure-player model, meaning Pet Shield's costs reflect a blend of traditional and modern administration.
Overall, Pet Shield offers solid value to owners prioritizing comprehensive coverage with flexible options, but it is not the most premium nor the least expensive—making it a balanced, mid-range choice.
Compare Pet Shield plans below to find the coverage and price that fits your needs.
| Secure 1 | Secure 2 | Secure 3 | Secure 4 | |
|---|---|---|---|---|
| Young cat (2–4 years) | $21/month | $27/month | $33/month | $42/month |
| Senior cat (7–8 years) | $29/month | $36/month | $43/month | $54/month |
| Small breed dog (2–4 years) | $26/month | $34/month | $41/month | $51/month |
| Large breed dog (2–4 years) | $35/month | $45/month | $56/month | $69/month |
| Senior dog (7–8 years) | $42/month | $55/month | $66/month | $82/month |
Pet shield promo codes
| Pet shield Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Pet Shield?
With Pet Shield, you pay your vet upfront, then submit your claim for reimbursement. Your eligible expenses are reimbursed according to your plan’s annual deductible and co-insurance rate—so you pay less, and Pet Shield covers the rest. Below are examples using the highest-tier Secure 4 plan for a young dog in Canada. (Assumptions: dog under 5 years old, Secure 4 Plan with $250 annual deductible, 20% co-insurance, realistic Canadian costs.)
Example 1: Emergency treatment for accidental fracture
Total vet costs: $2,000 (x-rays, surgery, hospitalization, medications)
Annual deductible applied: $250 (first claim of the year)
Amount eligible after deductible: $2,000 – $250 = $1,750
Reimbursement rate (Secure 4: 80% of eligible costs): $1,750 × 80% = $1,400
👉 You receive $1,400 back from Pet Shield.
Your out-of-pocket cost: $250 (deductible) + $350 (20% co-insurance) = $600
The annual deductible is applied only once per policy year. Future eligible claims will not be reduced by the deductible until the following insurance year.
Example 2: Ongoing treatment for diabetes (chronic illness)
Total vet costs: $300 (follow-up consultation, bloodwork, insulin)
Annual deductible already met (applied to previous claim)
Amount eligible: $300
Reimbursement rate: $300 × 80% = $240
👉 You receive $240 from Pet Shield.
Your out-of-pocket cost: $60 (20% co-insurance)
Co-insurance is calculated on each eligible claim. Deductible does not apply again until next policy year. Chronic illness is covered as long as the annual/condition limit is not exceeded and so long as it is not a pre-existing condition.
Example 3: Preventive annual wellness exam (Secure 4 only)
Total vet costs: $150 (exam, vaccines, parasite screening—eligible preventive services)
Annual deductible already met
Amount eligible: $150
Reimbursement rate: $150 × 80% = $120
👉 You receive $120 back.
Your out-of-pocket cost: $30 (20% co-insurance)
Preventive care benefits are available only on Secure 4. Maximum reimbursement for preventive care may apply per year—check your Secure 4 policy for details and annual limits.
Pet Shield Assistance
Pet Shield does not provide an advance payment option: policyholders must pay veterinary fees upfront and submit a claim for reimbursement, which may delay access to care in high-cost emergencies.
There is no mention of installment or flexible payment facilities for the premium, which is a limitation for owners seeking budgeting options.
The claims process is paperless-ready, as documents can be submitted by email (PDF/JPG), but there is no dedicated mobile app or interface for streamlined management, which may be seen as basic compared to competitors.
Notably, Pet Shield lacks a 24/7 emergency veterinary helpline, teleconsultation, or a network of partner clinics; these omissions reduce real-time support and added-value services frequently asked about by Canadian pet owners.
Travel coverage is available for temporary stays in the USA, but no additional assistance services or emergency arrangements are included for extended trips or outside North America.
| Assistance Pet shield | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service: owner pays the vet and claims reimbursement. |
| Payment facilities | ❌ | No information on installment or flexible payment options. |
| Mobile app | ❌ | No dedicated mobile app; claims submitted by email or web forms. |
| Paperless claims process | ✅ | Claims can be sent by email (PDF/JPG). No app, but digital submission is accepted. |
| Emergency vet service | ❌ | No helpline, teleconsultation, or emergency phone service is offered. |
| Vet/clinic partner network | ❌ | No partner vet or clinic network; any licensed vet in Canada or during USA travel can be used. |
| Coverage abroad | ✅ | Pet insured in Canada and for temporary stays in the USA; no coverage for other countries or long-term periods. |
Customer feedback on the Pet shield
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Pet Shield for their pets often mention:
- A broad coverage for veterinary expenses, including illness, accident, dental care, medical devices, and alternative therapies, which is appreciated by owners seeking comprehensive protection.
- The flexibility in the contract, with several plans and deductible levels adapted to both the species and age of the pet.
- The presence of a wellness/prevention option available in the Secure 4 plan, considered rare and valuable for routine and preventive care expenses.
- The possibility to modify the policy annually, including upgrading or downgrading the coverage depending on the pet’s changing needs or family budget.
- A transparent contract structure with systematic documentation requirements, offering clarity on what is covered and the administrative steps to follow.
On the negative side:
- A strict and systematic exclusion of any pre-existing conditions, which can be a source of frustration for owners whose pets have prior health issues or incomplete medical histories.
- Numerous exclusions or limitations for routine care, sterilizations, foods, and certain chronic or congenital illnesses, seen as restrictive compared to some competitors.
- Annual deductibles and mandatory coinsurance that rise with the animal’s age or claim history, leading to higher out-of-pocket expenses over time.
- Waiting periods that apply to most coverages, sometimes considered too long before being able to claim for common conditions (e.g., dental, orthopaedic, or illness events).
- A strict approach to documentation and the risk of permanent exclusion in the event of late or incomplete filing, which may result in denied claims or even policy termination.
- The need to advance all veterinary fees and manage reimbursement paperwork, which can represent an administrative burden, especially for urgent or high-cost care.
How to contact Pet shield?
| Pet shield Customer Service (en) | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit the completed claim form along with signed veterinary documents and detailed invoices by email ([email protected]) or by mail to Pet Shield Insurance, 301-600 Empress Street, Winnipeg, MB, R3G 0R5. Claims must be sent within 6 months of the care received (or within 60 days following cancellation). Once received, claims are processed by the insurer. Payment is made by cheque or direct deposit (if available). Processing time can vary; most standard claims are processed within a few weeks, provided all documents are complete. If documents are missing, delays may occur. For assistance or to follow up, contact 1-844-421-2121 or [email protected]. |
| To obtain a certificate of insurance | Contact Pet Shield customer service at 1-844-421-2121 or email [email protected] to request a certificate of insurance. You may be asked to provide policyholder and pet details for verification. Certificates can be sent by email or post upon request. |
| To contact assistance | For general assistance or questions about your coverage, contact customer service at 1-844-421-2121 or email [email protected]. You can also send correspondence to Pet Shield Insurance, 301-600 Empress Street, Winnipeg, MB, R3G 0R5. |
| To cancel my policy | Send a written cancellation request, including your policy number and signature, by email ([email protected]) or by mail to Pet Shield Insurance, 301-600 Empress Street, Winnipeg, MB, R3G 0R5. There is no mandatory notice period; cancellation can be requested at any time. A pro-rated premium refund will be issued for the unused portion of the current month. Ensure all outstanding claims are submitted within 60 days of cancellation. For confirmation or help, you may also call 1-844-421-2121. Supporting documents confirming your identity and policy may be requested. |
Once received, claims are processed by the insurer. Payment is made by cheque or direct deposit (if available). Processing time can vary; most standard claims are processed within a few weeks, provided all documents are complete. If documents are missing, delays may occur. For assistance or to follow up, contact 1-844-421-2121 or [email protected].
You can also send correspondence to Pet Shield Insurance, 301-600 Empress Street, Winnipeg, MB, R3G 0R5.
A pro-rated premium refund will be issued for the unused portion of the current month. Ensure all outstanding claims are submitted within 60 days of cancellation. For confirmation or help, you may also call 1-844-421-2121. Supporting documents confirming your identity and policy may be requested.
FAQ
Do I have to pay upfront for veterinary fees with Pet shield?
Yes, with Pet shield you must pay veterinary fees upfront and then submit a claim for reimbursement. Pet shield does not offer advance payments or direct payments to veterinarians; the policyholder is responsible for the initial payment.
How do I cancel my pet insurance policy with Pet shield?
To cancel your Pet shield policy, send a written cancellation request to the insurer. There is no set notice period, but cancellation takes effect upon receipt of your request. Be sure to include your policy details; you may be asked to provide ID documents.
What does Pet shield pet insurance cover?
Pet shield covers a wide range of veterinary treatments for accidents and illnesses, including diagnostics, surgery, hospitalization, prescription medications, dental care, and certain therapies. The exact coverage depends on your chosen plan and is subject to annual limits and exclusions.
Are pre-existing conditions covered by Pet shield?
No, Pet shield does not cover any pre-existing conditions. Any illness or injury with symptoms or diagnosis before your policy started or during the waiting period is permanently excluded from cover.
Is preventive care included in Pet shield policies?
Preventive care, such as vaccines or routine check-ups, is only available under the Secure 4 plan. Other plans do not include preventive treatments, and care not related to an insured accident or illness is generally excluded.
What are the waiting periods for coverage to begin?
Coverage starts 48 hours after enrollment for accidents and 14 days for illnesses or behavioral therapies. Some conditions, like dental issues or ligament problems, have a 6-month waiting period. Preventive care in Secure 4 starts immediately.
Do I have to pay upfront for veterinary fees with Pet shield?
Yes, with Pet shield you must pay veterinary fees upfront and then submit a claim for reimbursement. Pet shield does not offer advance payments or direct payments to veterinarians; the policyholder is responsible for the initial payment.
How do I cancel my pet insurance policy with Pet shield?
To cancel your Pet shield policy, send a written cancellation request to the insurer. There is no set notice period, but cancellation takes effect upon receipt of your request. Be sure to include your policy details; you may be asked to provide ID documents.
What does Pet shield pet insurance cover?
Pet shield covers a wide range of veterinary treatments for accidents and illnesses, including diagnostics, surgery, hospitalization, prescription medications, dental care, and certain therapies. The exact coverage depends on your chosen plan and is subject to annual limits and exclusions.
Are pre-existing conditions covered by Pet shield?
No, Pet shield does not cover any pre-existing conditions. Any illness or injury with symptoms or diagnosis before your policy started or during the waiting period is permanently excluded from cover.
Is preventive care included in Pet shield policies?
Preventive care, such as vaccines or routine check-ups, is only available under the Secure 4 plan. Other plans do not include preventive treatments, and care not related to an insured accident or illness is generally excluded.
What are the waiting periods for coverage to begin?
Coverage starts 48 hours after enrollment for accidents and 14 days for illnesses or behavioral therapies. Some conditions, like dental issues or ligament problems, have a 6-month waiting period. Preventive care in Secure 4 starts immediately.
