MMC Benefits Handbook
What's Not Covered for My Pet Protection® Plans
A pre-existing condition is any illness or injury your pet had before coverage started. No pet insurer covers pre-existing conditions. The good news is that not all pre-existing conditions are excluded permanently.
If you have medical records from your vet showing that your pet's condition has been cured for at least six months, you may be able to get it covered.
Plan restrictions and other exclusions
We don't cover breeding, grooming/bathing, nail trims or boarding (unless you're hospitalized for more than 48 hours). Refer to the "What We Do Not Cover: Exclusions" section of your policy as well as your policy Declarations Page for more information.
Wellness, routine care and preventive care
Wellness exams, treatments and procedures are covered only if you purchase a My Pet Protection with Wellness® policy. These treatments and procedures include, but are not limited to, services such as vaccinations, flea/heartworm prevention, health screens (blood tests), and spay/neuter.