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The right waiting period depends on your needs and objectives. If you couldn’t survive for more that 7 days without pay, then a 7 day waiting period may be right for you. The vast majority of Trade Risk clients have a 30 day waiting period on their policies, as they feel that they could get through the first 30 days using savings or credit cards. A 30 day policy also provides a good balance between affordable premiums and comprehensive cover.