This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: March 1, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Waiting Period
A period after your coverage starts during which certain conditions are not yet covered.
Full Definition
A waiting period is a defined number of days at the start of a policy during which specific benefits are not payable. In visitor insurance, waiting periods most commonly apply to illness (e.g., sickness is not covered for the first 2 days), as opposed to accidents which are typically covered from day one. Waiting periods are designed to prevent people from purchasing coverage only after becoming ill.
Real-World Example
You buy visitor insurance on Monday. Your plan has a 2-day illness waiting period. If you get sick on Tuesday, that illness is not covered. If you break your arm on Monday, it is covered immediately as it is an accident.
Related Terms
Top Providers
Companies that offer this plan type. Click any card to visit their official website.
Plan availability varies by state and employer. Always verify current offerings directly with the provider.
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