I thought there was a 12month wait thats why I wanted to get it asap as we wont be going down the IVF channel for 12months if we do. Well 6months but 6months would soon turn into 12months. So if I was lucky enough and got pregnant naturally (horrible way to describe it) say in 4months time by the time I was birthing I would have had cover for 13months can you use it then? Or is it 12months from conception? Thanks so much for your replies. Going to get onto it right away.