HF 780

as introduced - 93rd Legislature (2023 - 2024) Posted on 01/30/2023 08:36pm

A bill for an act
relating to consumer protection; requiring pet insurance to cover preexisting
conditions; proposing coding for new law in Minnesota Statutes, chapter 325G.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

new text begin [325G.281] PET INSURANCE.
new text end

new text begin Subdivision 1. new text end

new text begin Definitions. new text end

new text begin (a) For purposes of this subdivision, the following terms
have the meanings given.
new text end

new text begin (b) "Pet" means a domesticated animal.
new text end

new text begin (c) "Pet insurance policy" or "policy" means an insurance policy or contract that provides
reimbursement for diagnostic- and treatment-related expenses due to a pet's sickness or
injury.
new text end

new text begin (d) "Preexisting condition" means an illness, injury, or behavior that occurred or showed
symptoms before the effective date of the pet insurance policy.
new text end

new text begin Subd. 2. new text end

new text begin Coverage. new text end

new text begin A pet insurance policy issued to a resident of Minnesota must provide
coverage for preexisting conditions at the same level and in the same manner as coverage
for illnesses and injuries occurring after the effective date of the policy.
new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2023, and applies to policies
offered, issued, or renewed on or after that date.
new text end