MN HF780

Requires pet insurance policies issued to Minnesota residents to cover preexisting conditions at the same level and manner as coverage for illnesses and injuries occurring after the policy effective date.

Defines "pet" as a domesticated animal and "pet insurance policy" as an insurance policy providing reimbursement for diagnostic and treatment-related expenses due to a pet's sickness or injury.

Defines "preexisting condition" as an illness, injury, or behavior that occurred or showed symptoms before the pet insurance policy's effective date.

Effective August 1, 2023, and applies to all pet insurance policies offered, issued, or renewed on or after that date.