Funeral cover usually has a 6 month waiting period. This is not to trick the policy holder or cheat them out of money. Remember, there are no medical examinations required. The provider does not know your medical position. They give you the benefit of the doubt. To prevent people from abusing the system, they have to use a 6 month waiting period. This waiting period is only for natural causes. Accidental death will be covered from the very first premium. Most providers give you double cover if you die because of an accident. Is short, most great funeral plans have some form of accidental death cover included.