When does my policy start?

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.