MMC Benefits Handbook
What's Not Covered for Accident & Illness Plan and Accident & Illness Plan plus Wellness
Pre-existing conditions
A pre-existing condition is any illness or injury your pet had before coverage started. Pre-existing conditions are not covered. Claims for illnesses or injuries that relate to a pre-existing condition will not be paid. For a complete list of what is not included in the policy, please refer to www.TrustedPals.com/mmc.
Anything not prescribed by a veterinarian
The cost of any medicines or treatments which aren't prescribed by a licensed veterinarian or specialist will not be paid.
Hip dysplasia in the first 12 months
Hip dysplasia will not be covered for the first 12 months from coverage approval. If there are no signs of hip dysplasia for 12 months and there are no breaks in coverage, hip dysplasia will be covered.
Cruciate ligament injuries in the first 12 months
Cruciate ligament injuiries will not be covered for the first 12 months from coverage approval. If there are no cruciate ligament problems for 12 months and there are no breaks in coverage, cruciate ligament injuries/problems will be covered.
Boarding, grooming and transport
Boarding, grooming and transport costs are not covered under either of the two plan options.
Costs that don't relate to veterinarians
Food, over-the-counter medicines, copies for your pet's medical records, waste disposal, licenses, tax or any other expenses that do not relate to a veterinarian's costs are not covered.
Wellness, routine care and preventive care
Wellness exams (once a year), treatments and procedures are covered only if you purchase the Accident & Illness Plan plus Wellness option. These treatments and procedures include, services such as vaccinations, heartworm testing and prevention, dental cleaning, deworming, nail trimming and spaying and neutering.
You pay a fixed amount every pay period. When you have a wellness claim, you can claim up to $750 a year towards this care.