Effective Date

Plain English Definition: The date when an insurance policy begins coverage.

What Effective Date really means for someone with an insurance policy

The effective date is the starting point of your insurance coverage. Any claims made before this date are not covered.

Effective Date Real World Examples

• Your auto insurance policy effective date is January 1, so any accidents before that date are not covered.
• A health insurance policy effective on March 1 means doctor visits on February 28 would be out of pocket.
• Homeowners insurance starting on June 15 covers damages from that date forward.