No there is no waiting time, you can call and ask them too...they are very nice people to talk to. They will tell you though that things are not covered...but, don't bother asking those things, just send in the paper work. If you look at it as ....not depending on the money back, you will do great. I always have recieved great money back from them. But people with high hopes are the ones who might have large issues. I guess when Jazmine had her surgery that they claimed was not covered...i grunted...and sent the papers anyway.....and to my surprise i got back all of it!!!!