Is there a waiting period?

Yes, starting from the effective date of your policy, there is a 5-day waiting period for accidents, at 14-day waiting period for illnesses. 
The 5-day waiting period for injury and 14-day waiting period for illness cannot be waived unless you have purchased your policy using a Veterinary, Shelter or Humane Society partner code, and your pet receives a wellness exam within 48 hours prior to purchase. 
There is also a 6-month waiting period for problems associated with cruciates and patellas (knees). However, if you choose to have your pet examined by a veterinarian within the first 30 days of the policy, and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6-month exclusion will not apply.

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