Your accident and illness plan has a 15 day waiting period. So, if you enrolled with ManyPets on January 1st, your first eligible claim would have a treatment date of January 16th.
Any claims submitted with treatment dates within your waiting period are ineligible for coverage and may result in pre-existing condition(s) being added to your policy.
Your wellness plan just has a 24 hour waiting period. So, if you enrolled on January 1st, your first eligible claim will have a treatment date of January 2nd.