Your policy will go into effect at 12:01am on your policy effective date, subject to the below waiting periods. These dates are provided on the Declarations page of your policy documents.
Waiting Periods
Starting from the policy effective date.
UII= Unexpected Illness and Injury Policy
AOP = Accident Only Policy
| State | UII-Injury | UII-Illness | UII-Cruciate Ligament Event | AOP-Injury |
| ME, WA | 0 days | 14 days | 30 days | 0 days |
| MS | 3 days | 14 days | 30 days | 0 days |
| ND, OR | 3 days | 14 days | 30 days | 3 days |
| VT | 3 days | 14 days | 120 days | 0 days |
| All Other States | 3 days | 14 days | 180 days | 3 days |
Here is what you need to know about waiting periods:
- We cover injuries, illnesses, and cruciate ligament events that occur after the applicable waiting period is over.
- Any claims you submit during the waiting period(s) will not be covered.
- Any injury, illness, or cruciate ligament event that occurs during the waiting period(s) will be considered a pre-existing condition, which means it won’t be eligible for coverage.