After you purchase pet insurance the pet insurance is not immediately available to make claims on which is done to prevent pet insurance fraud.
When you signup for and purchase a pet insurance policy there will be a waiting period before you can claim on the pet insurance.
The waiting time for the pet insurance coverage will vary between pet insurance companies but the normal waiting period for claiming on pet insurance is 14 days after you get the pet insurance policy.
However some pet insurance companies will allow you to claim on the pet insurance policy within 48 hours of getting the pet insurance policy if the dog gets into an accident and needs some emergency service.