MMC Benefits Handbook
What's Not Covered for My Pet Protection® Plan
Pre-existing conditions
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. See your My Pet Protection® plan for a full definition and explanation of pre-existing conditions.
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.