By Representative Hamilton of Methuen, a petition (accompanied by bill, House, No. 1186) of Ryan M. Hamilton relative to pet insurance. Financial Services.
Summary up to date
Generates a plain-language summary of the bill text and history.
No summary yet. Click the button to generate one.
Date
Branch
Action
1/15/2026
House
1/15/2026 HouseBill reported favorably by committee and referred to the committee on House Ways and Means
Scope and Purpose.
(a) The purpose of this chapter is to promote the public welfare by creating a
comprehensive legal framework within which pet insurance may be sold in this state.
(b) The requirements of this chapter shall apply to pet insurance policies that are issued to
any resident of this state and are sold, solicited, negotiated, or offered in this state, and policies or
certificates that are delivered or issued for delivery in this state.
(c) All other applicable provisions of this state’s insurance laws shall continue to apply to
pet insurance except that the specific provisions of this chapter shall supersede any general
provisions of law that would otherwise be applicable to pet insurance.
▸SECTION 2
Definitions.
(a) If a pet insurer uses any of the terms in this chapter in a policy of pet insurance, the pet
insurer shall use the definition of each of those terms as set forth herein and include the definition
of the term(s) in the policy. The pet insurer shall also make the definition available through a clear
and conspicuous link on the main page of the pet insurer or pet insurer’s program administrator’s
website.
(b) Nothing in this chapter shall in any way prohibit or limit the types of exclusions pet
insurers may use in their policies or require pet insurers to have any of the limitations or exclusions
defined below.
(c) For purposes of this section:
(1) “Chronic condition” means a condition that can be treated or managed, but not cured.
(2) “Congenital anomaly or disorder” means a condition that is present from birth, whether
inherited or caused by the environment, which may cause or contribute to illness or disease.
(3) “Hereditary disorder” means an abnormality that is genetically transmitted from parent
to offspring and may cause illness or disease.
(4) “Orthopedic” refers to conditions affecting the bones, skeletal muscle, cartilage,
tendons, ligaments, and joints. It includes, but is not limited to, elbow dysplasia, hip dysplasia,
intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments. It does
not include cancers or metabolic, hemopoietic, or autoimmune diseases.
(5) “Pet insurance” means a property insurance policy that provides coverage for accidents
and illnesses of pets.
(6) “Preexisting condition” means any condition for which any of the following are true
prior to the effective date of a pet insurance policy or during any waiting period:
(i) A veterinarian provided medical advice;
(ii) The pet received previous treatment; or
(iii) Based on information from verifiable sources, the pet had signs or symptoms directly
related to the condition for which a claim is being made.
(iv) A condition for which coverage is afforded on a policy cannot be considered a
preexisting condition on any renewal of the policy.
(7) “Renewal” means to issue and deliver at the end of an insurance policy period a policy
which supersedes a policy previously issued and delivered by the same pet insurer or affiliated pet
insurer and which provides types and limits of coverage substantially similar to those contained in
the policy being superseded.
(8) “Veterinarian” means an individual who holds a valid license to practice veterinary
medicine from the appropriate licensing entity in the jurisdiction in which the individual practices.
(9) “Veterinary expenses” means the costs associated with medical advice, diagnosis, care,
or treatment provided by a veterinarian, including, but not limited to, the cost of drugs prescribed
by a veterinarian.
(10) “Waiting period” means the period of time specified in a pet insurance policy that is
required to transpire before some or all of the coverage in the policy can begin. Waiting periods
may not be applied to renewals of existing coverage.
(11) “Wellness program” means a subscription or reimbursement-based program that is
separate from an insurance policy that provides goods and services to promote the general health,
safety, or wellbeing of the pet. If any wellness program satisfies the requirements for an insurance
contract under Section 2, it is transacting in the business of insurance and is subject to the insurance
code. This definition is not intended to classify a contract directly between a service provider and
a pet owner that only involves the two (2) parties as being “the business of insurance,” unless other
indications of insurance also exist.
▸SECTION 3
Disclosures.
(a) A pet insurer transacting pet insurance shall disclose the following to consumers:
(1) If the policy excludes coverage due to any of the following:
(i) A preexisting condition;
(ii) A hereditary disorder;
(iii) A congenital anomaly or disorder; or
(iv) A chronic condition;
(2) If the policy includes any other exclusions, the following statement: “Other exclusions
may apply. Please refer to the exclusions section of the policy for more information.”;
(3) Any policy provision that limits coverage through a waiting or affiliation period, a
deductible, coinsurance, or an annual or lifetime policy limit;
(4) Whether the pet insurer reduces coverage or increases premiums based on the insured’s
claim history, the age of the covered pet or a change in the geographic location of the insured; and
(5) If the underwriting company differs from the brand name used to market and sell the
product.
(b) Right to examine and return the policy.
(1) Unless the insured has filed a claim under the pet insurance policy, pet insurance
applicants shall have the right to examine and return the policy, certificate or rider to the company
or an agent/insurance producer of the company within thirty (30) days of its receipt and to have
the premium refunded if, after examination of the policy, certificate or rider, the applicant is not
satisfied for any reason.
(2) Pet insurance policies, certificates and riders shall have a notice prominently printed on
the first page or attached thereto including specific instructions to accomplish a return. The
following free look statement or language substantially similar shall be included:
“You have thirty (30) days from the day you receive this policy, certificate, or rider to
review it, and return it to the company if you decide not to keep it. You do not have to tell the
company why you are returning it. If you decide not to keep it, simply return it to the company at
its administrative office, or you may return it to the agent/insurance producer that you bought it
from as long as you have not filed a claim. You must return it within thirty (30) days of the day
you first received it. The company will refund the full amount of any premium paid within thirty
(30) days after it receives the returned policy, certificate, or rider. The premium refund will be sent
directly to the person who paid it. The policy, certificate, or rider will be void as if it had never
been issued.”
(c) A pet insurer shall clearly disclose a summary description of the basis or formula on
which the pet insurer determines claim payments under a pet insurance policy within the policy,
prior to policy issuance, and through a clear and conspicuous link on the main page of the pet
insurer’s or pet insurer’s program administrator’s website.
(d) A pet insurer that uses a benefit schedule to determine claim payment under a pet
insurance policy shall do both of the following:
(1) Clearly disclose the applicable benefit schedule in the policy; and
(2) Disclose all benefit schedules used by the pet insurer under its pet insurance policies
through a clear and conspicuous link on the main page of the pet insurer’s or pet insurer’s program
administrator’s website.
(e) A pet insurer that determines claim payments under a pet insurance policy based on
usual and customary fees, or any other reimbursement limitation based on prevailing veterinary
service provider charges, shall do both of the following:
(1) Include a usual and customary fee limitation provision in the policy that clearly
describes the pet insurer’s basis for determining usual and customary fees and how that basis is
applied in calculating claim payments; and
(2) Disclose the pet insurer’s basis for determining usual and customary fees through a
clear and conspicuous link on the main page of the pet insurer’s or pet insurer’s program
administrator’s website.
(f) If any medical examination by a licensed veterinarian is required to effectuate coverage,
the pet insurer shall clearly and conspicuously disclose the required aspects of the examination
prior to purchase and disclose that examination documentation may result in a preexisting
condition exclusion.
(g) Waiting periods and the requirements applicable to them, must be clearly and
prominently disclosed to consumers prior to the policy purchase.
(h) The pet insurer shall include a summary of all policy provisions required in subsections
3 (a) through (g) of this section, inclusive, in a separate document titled “Insurer Disclosure of
Important Policy Provisions.”
(i) The pet insurer shall post the “Insurer Disclosure of Important Policy Provisions”
document required in subsection (h) of this section through a clear and conspicuous link on the
main page of the pet insurer’s or pet insurer’s program administrator’s website.
(j) In connection with the issuance of a new pet insurance policy, the pet insurer shall
provide the consumer with a copy of the “Insurer Disclosure of Important Policy Provisions”
document required pursuant to subsection (h) of this section in at least twelve-point (12) type when
the policy is delivered.
(k) At the time a pet insurance policy is issued or delivered to a policyholder, the pet insurer
shall include a written disclosure with the following information, printed in twelve-point (12)
boldface type:
(1) The address and customer service telephone number of the pet insurer or the agent or
broker of record.
(2) If the policy was issued or delivered by an agent or broker, a statement advising the
policyholder to contact the broker or agent for assistance.
(l) The disclosures required in this section shall be in addition to any other disclosures
required by law or regulation.
▸SECTION 4
Policy Conditions.
(a) A pet insurer may issue policies that exclude coverage on the basis of one or more
preexisting conditions with appropriate disclosure to the consumer. The pet insurer has the burden
of proving that the preexisting condition exclusion applies to the condition for which a claim is
being made.
(b) A pet insurer may issue policies that impose waiting periods upon effectuation of the
policy that do not exceed thirty (30) days for illnesses or orthopedic conditions not resulting from
an accident. Waiting periods for accidents are prohibited.
A pet insurer utilizing a waiting period must issue coverage to be effective by 12:01 a.m.
on the second calendar day after purchase, subject only to the following exceptions:
(1) If an insurer elects to conduct individualized underwriting on a specific pet, then
coverage must be effective by 12:01 a.m. on the second calendar day after the insurer has
determined such pet is eligible for coverage.
(2) Any insurer may delay coverage from becoming effective to establish a method for the
consumer or group administrator to pay the premium, or
(3) For pet insurance coverage acquired by an individual through an employer or
organization, the coverage requirements of the employer’s or organization’s benefit plan.
(4) If a policy does not include a waiting period for an illness or orthopedic condition, an
insurer may set a policy effectuation date that is up to fifteen (15) calendar days after purchase, so
long as such policy effectuation date is clearly disclosed and no premium is charged before the
policy becomes effective.
(c) A pet insurer utilizing a waiting period permitted in subsection (b) of this section shall
include a provision in its contract that allows the waiting periods to be waived upon completion of
a medical examination. Pet insurers may require the examination to be conducted by a licensed
veterinarian after the purchase of the policy.
(1) A medical examination under subsection (c) of this section shall be paid for by the
policyholder, unless the policy specifies that the pet insurer will pay for the examination.
(2) A pet insurer can specify elements to be included as part of the examination and require
documentation thereof, provided the specifications do not unreasonably restrict a consumer’s
ability to waive the waiting periods in subsection (b) of this section.
(d) Waiting periods, and the requirements applicable to them, must be clearly and
prominently disclosed to consumers prior to the policy purchase.
(e) A pet insurer must not require a veterinary examination of the covered pet for the
insured to have their policy renewed.
(f) If a pet insurer includes any prescriptive, wellness, or non-insurance benefits in the
policy form, then it is made part of the policy contract and must follow all applicable laws and
regulations in the insurance code.
(g) An insured’s eligibility to purchase a pet insurance policy must not be based on
participation, or lack of participation, in a separate wellness program.
▸SECTION 5
Sales Practices for Wellness Programs.
(a) A pet insurer and/or producer shall not market a wellness program as pet insurance.
(b) If a wellness program is sold by a pet insurer and/or producer:
(1) The purchase of the wellness program shall not be a requirement to the purchase of pet
insurance;
(2) The costs of the wellness program shall be separate and identifiable from any pet
insurance policy sold by a pet insurer and/or producer;
(3) The terms and conditions for the wellness program shall be separate from any pet
insurance policy sold by a pet insurer and/or producer;
(4) The products or coverages available through the wellness program shall not duplicate
products or coverages available through the pet insurance policy;
(5) The advertising of the wellness program shall not be misleading and shall be in
accordance with subsection (b) of this section; and
(6) A pet insurer and/or producer shall clearly disclose the following to consumers, printed
in twelve-point (12) boldface type:
(i) That wellness programs are not insurance.
(ii) The address and customer service telephone number of the pet insurer or producer or
broker of record.
(iii) The Division of Insurance’s mailing address, toll-free telephone number, and website
address.
(c) Coverages included in the pet insurance policy contract described as “wellness” benefits
are insurance.
▸SECTION 6
Insurance Producer Training.
(a) An insurance producer shall not sell, solicit, or negotiate a pet insurance product until
after the producer is appropriately licensed and has completed the required training identified in
subsection (c) of this section.
(b) Insurers shall ensure that its producers are trained under subsection (c) of this section
and that its producers have been appropriately trained on the coverages and conditions of its pet
insurance products.
(c) The training required under this subsection shall include information on the following
topics:
(1) Preexisting conditions and waiting periods;
(2) The differences between pet insurance and noninsurance wellness programs;
(3) Hereditary disorders, congenital anomalies or disorders and chronic conditions and how
pet insurance policies interact with those conditions or disorders; and
(4) Rating, underwriting, renewal, and other related administrative topics.
(d) The satisfaction of the training requirements of another state that are substantially
similar to the provisions of subsection (c) of this section shall be deemed to satisfy the training
requirements in this state.
▸SECTION 7
Violations.
Violations of this chapter shall be subject to chapters 175 and 176D.
▸SECTION 8
Effective Date.
This Act shall take effect 180 days after enactment.
Show raw text
SECTION 1. Scope and Purpose.
(a) The purpose of this chapter is to promote the public welfare by creating a
comprehensive legal framework within which pet insurance may be sold in this state.
(b) The requirements of this chapter shall apply to pet insurance policies that are issued to
any resident of this state and are sold, solicited, negotiated, or offered in this state, and policies or
certificates that are delivered or issued for delivery in this state.
(c) All other applicable provisions of this state’s insurance laws shall continue to apply to
pet insurance except that the specific provisions of this chapter shall supersede any general
provisions of law that would otherwise be applicable to pet insurance.
SECTION 2. Definitions.
(a) If a pet insurer uses any of the terms in this chapter in a policy of pet insurance, the pet
insurer shall use the definition of each of those terms as set forth herein and include the definition
of the term(s) in the policy. The pet insurer shall also make the definition available through a clear
and conspicuous link on the main page of the pet insurer or pet insurer’s program administrator’s
website.
(b) Nothing in this chapter shall in any way prohibit or limit the types of exclusions pet
insurers may use in their policies or require pet insurers to have any of the limitations or exclusions
defined below.
(c) For purposes of this section:
(1) “Chronic condition” means a condition that can be treated or managed, but not cured.
(2) “Congenital anomaly or disorder” means a condition that is present from birth, whether
inherited or caused by the environment, which may cause or contribute to illness or disease.
(3) “Hereditary disorder” means an abnormality that is genetically transmitted from parent
to offspring and may cause illness or disease.
(4) “Orthopedic” refers to conditions affecting the bones, skeletal muscle, cartilage,
tendons, ligaments, and joints. It includes, but is not limited to, elbow dysplasia, hip dysplasia,
intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments. It does
not include cancers or metabolic, hemopoietic, or autoimmune diseases.
(5) “Pet insurance” means a property insurance policy that provides coverage for accidents
and illnesses of pets.
(6) “Preexisting condition” means any condition for which any of the following are true
prior to the effective date of a pet insurance policy or during any waiting period:
(i) A veterinarian provided medical advice;
(ii) The pet received previous treatment; or
(iii) Based on information from verifiable sources, the pet had signs or symptoms directly
related to the condition for which a claim is being made.
(iv) A condition for which coverage is afforded on a policy cannot be considered a
preexisting condition on any renewal of the policy.
(7) “Renewal” means to issue and deliver at the end of an insurance policy period a policy
which supersedes a policy previously issued and delivered by the same pet insurer or affiliated pet
insurer and which provides types and limits of coverage substantially similar to those contained in
the policy being superseded.
(8) “Veterinarian” means an individual who holds a valid license to practice veterinary
medicine from the appropriate licensing entity in the jurisdiction in which the individual practices.
(9) “Veterinary expenses” means the costs associated with medical advice, diagnosis, care,
or treatment provided by a veterinarian, including, but not limited to, the cost of drugs prescribed
by a veterinarian.
(10) “Waiting period” means the period of time specified in a pet insurance policy that is
required to transpire before some or all of the coverage in the policy can begin. Waiting periods
may not be applied to renewals of existing coverage.
(11) “Wellness program” means a subscription or reimbursement-based program that is
separate from an insurance policy that provides goods and services to promote the general health,
safety, or wellbeing of the pet. If any wellness program satisfies the requirements for an insurance
contract under Section 2, it is transacting in the business of insurance and is subject to the insurance
code. This definition is not intended to classify a contract directly between a service provider and
a pet owner that only involves the two (2) parties as being “the business of insurance,” unless other
indications of insurance also exist.
SECTION 3. Disclosures.
(a) A pet insurer transacting pet insurance shall disclose the following to consumers:
(1) If the policy excludes coverage due to any of the following:
(i) A preexisting condition;
(ii) A hereditary disorder;
(iii) A congenital anomaly or disorder; or
(iv) A chronic condition;
(2) If the policy includes any other exclusions, the following statement: “Other exclusions
may apply. Please refer to the exclusions section of the policy for more information.”;
(3) Any policy provision that limits coverage through a waiting or affiliation period, a
deductible, coinsurance, or an annual or lifetime policy limit;
(4) Whether the pet insurer reduces coverage or increases premiums based on the insured’s
claim history, the age of the covered pet or a change in the geographic location of the insured; and
(5) If the underwriting company differs from the brand name used to market and sell the
product.
(b) Right to examine and return the policy.
(1) Unless the insured has filed a claim under the pet insurance policy, pet insurance
applicants shall have the right to examine and return the policy, certificate or rider to the company
or an agent/insurance producer of the company within thirty (30) days of its receipt and to have
the premium refunded if, after examination of the policy, certificate or rider, the applicant is not
satisfied for any reason.
(2) Pet insurance policies, certificates and riders shall have a notice prominently printed on
the first page or attached thereto including specific instructions to accomplish a return. The
following free look statement or language substantially similar shall be included:
“You have thirty (30) days from the day you receive this policy, certificate, or rider to
review it, and return it to the company if you decide not to keep it. You do not have to tell the
company why you are returning it. If you decide not to keep it, simply return it to the company at
its administrative office, or you may return it to the agent/insurance producer that you bought it
from as long as you have not filed a claim. You must return it within thirty (30) days of the day
you first received it. The company will refund the full amount of any premium paid within thirty
(30) days after it receives the returned policy, certificate, or rider. The premium refund will be sent
directly to the person who paid it. The policy, certificate, or rider will be void as if it had never
been issued.”
(c) A pet insurer shall clearly disclose a summary description of the basis or formula on
which the pet insurer determines claim payments under a pet insurance policy within the policy,
prior to policy issuance, and through a clear and conspicuous link on the main page of the pet
insurer’s or pet insurer’s program administrator’s website.
(d) A pet insurer that uses a benefit schedule to determine claim payment under a pet
insurance policy shall do both of the following:
(1) Clearly disclose the applicable benefit schedule in the policy; and
(2) Disclose all benefit schedules used by the pet insurer under its pet insurance policies
through a clear and conspicuous link on the main page of the pet insurer’s or pet insurer’s program
administrator’s website.
(e) A pet insurer that determines claim payments under a pet insurance policy based on
usual and customary fees, or any other reimbursement limitation based on prevailing veterinary
service provider charges, shall do both of the following:
(1) Include a usual and customary fee limitation provision in the policy that clearly
describes the pet insurer’s basis for determining usual and customary fees and how that basis is
applied in calculating claim payments; and
(2) Disclose the pet insurer’s basis for determining usual and customary fees through a
clear and conspicuous link on the main page of the pet insurer’s or pet insurer’s program
administrator’s website.
(f) If any medical examination by a licensed veterinarian is required to effectuate coverage,
the pet insurer shall clearly and conspicuously disclose the required aspects of the examination
prior to purchase and disclose that examination documentation may result in a preexisting
condition exclusion.
(g) Waiting periods and the requirements applicable to them, must be clearly and
prominently disclosed to consumers prior to the policy purchase.
(h) The pet insurer shall include a summary of all policy provisions required in subsections
3 (a) through (g) of this section, inclusive, in a separate document titled “Insurer Disclosure of
Important Policy Provisions.”
(i) The pet insurer shall post the “Insurer Disclosure of Important Policy Provisions”
document required in subsection (h) of this section through a clear and conspicuous link on the
main page of the pet insurer’s or pet insurer’s program administrator’s website.
(j) In connection with the issuance of a new pet insurance policy, the pet insurer shall
provide the consumer with a copy of the “Insurer Disclosure of Important Policy Provisions”
document required pursuant to subsection (h) of this section in at least twelve-point (12) type when
the policy is delivered.
(k) At the time a pet insurance policy is issued or delivered to a policyholder, the pet insurer
shall include a written disclosure with the following information, printed in twelve-point (12)
boldface type:
(1) The address and customer service telephone number of the pet insurer or the agent or
broker of record.
(2) If the policy was issued or delivered by an agent or broker, a statement advising the
policyholder to contact the broker or agent for assistance.
(l) The disclosures required in this section shall be in addition to any other disclosures
required by law or regulation.
SECTION 4. Policy Conditions.
(a) A pet insurer may issue policies that exclude coverage on the basis of one or more
preexisting conditions with appropriate disclosure to the consumer. The pet insurer has the burden
of proving that the preexisting condition exclusion applies to the condition for which a claim is
being made.
(b) A pet insurer may issue policies that impose waiting periods upon effectuation of the
policy that do not exceed thirty (30) days for illnesses or orthopedic conditions not resulting from
an accident. Waiting periods for accidents are prohibited.
A pet insurer utilizing a waiting period must issue coverage to be effective by 12:01 a.m.
on the second calendar day after purchase, subject only to the following exceptions:
(1) If an insurer elects to conduct individualized underwriting on a specific pet, then
coverage must be effective by 12:01 a.m. on the second calendar day after the insurer has
determined such pet is eligible for coverage.
(2) Any insurer may delay coverage from becoming effective to establish a method for the
consumer or group administrator to pay the premium, or
(3) For pet insurance coverage acquired by an individual through an employer or
organization, the coverage requirements of the employer’s or organization’s benefit plan.
(4) If a policy does not include a waiting period for an illness or orthopedic condition, an
insurer may set a policy effectuation date that is up to fifteen (15) calendar days after purchase, so
long as such policy effectuation date is clearly disclosed and no premium is charged before the
policy becomes effective.
(c) A pet insurer utilizing a waiting period permitted in subsection (b) of this section shall
include a provision in its contract that allows the waiting periods to be waived upon completion of
a medical examination. Pet insurers may require the examination to be conducted by a licensed
veterinarian after the purchase of the policy.
(1) A medical examination under subsection (c) of this section shall be paid for by the
policyholder, unless the policy specifies that the pet insurer will pay for the examination.
(2) A pet insurer can specify elements to be included as part of the examination and require
documentation thereof, provided the specifications do not unreasonably restrict a consumer’s
ability to waive the waiting periods in subsection (b) of this section.
(d) Waiting periods, and the requirements applicable to them, must be clearly and
prominently disclosed to consumers prior to the policy purchase.
(e) A pet insurer must not require a veterinary examination of the covered pet for the
insured to have their policy renewed.
(f) If a pet insurer includes any prescriptive, wellness, or non-insurance benefits in the
policy form, then it is made part of the policy contract and must follow all applicable laws and
regulations in the insurance code.
(g) An insured’s eligibility to purchase a pet insurance policy must not be based on
participation, or lack of participation, in a separate wellness program.
SECTION 5. Sales Practices for Wellness Programs.
(a) A pet insurer and/or producer shall not market a wellness program as pet insurance.
(b) If a wellness program is sold by a pet insurer and/or producer:
(1) The purchase of the wellness program shall not be a requirement to the purchase of pet
insurance;
(2) The costs of the wellness program shall be separate and identifiable from any pet
insurance policy sold by a pet insurer and/or producer;
(3) The terms and conditions for the wellness program shall be separate from any pet
insurance policy sold by a pet insurer and/or producer;
(4) The products or coverages available through the wellness program shall not duplicate
products or coverages available through the pet insurance policy;
(5) The advertising of the wellness program shall not be misleading and shall be in
accordance with subsection (b) of this section; and
(6) A pet insurer and/or producer shall clearly disclose the following to consumers, printed
in twelve-point (12) boldface type:
(i) That wellness programs are not insurance.
(ii) The address and customer service telephone number of the pet insurer or producer or
broker of record.
(iii) The Division of Insurance’s mailing address, toll-free telephone number, and website
address.
(c) Coverages included in the pet insurance policy contract described as “wellness” benefits
are insurance.
SECTION 6. Insurance Producer Training.
(a) An insurance producer shall not sell, solicit, or negotiate a pet insurance product until
after the producer is appropriately licensed and has completed the required training identified in
subsection (c) of this section.
(b) Insurers shall ensure that its producers are trained under subsection (c) of this section
and that its producers have been appropriately trained on the coverages and conditions of its pet
insurance products.
(c) The training required under this subsection shall include information on the following
topics:
(1) Preexisting conditions and waiting periods;
(2) The differences between pet insurance and noninsurance wellness programs;
(3) Hereditary disorders, congenital anomalies or disorders and chronic conditions and how
pet insurance policies interact with those conditions or disorders; and
(4) Rating, underwriting, renewal, and other related administrative topics.
(d) The satisfaction of the training requirements of another state that are substantially
similar to the provisions of subsection (c) of this section shall be deemed to satisfy the training
requirements in this state.
SECTION 7. Violations.
Violations of this chapter shall be subject to chapters 175 and 176D.
SECTION 8. Effective Date.
This Act shall take effect 180 days after enactment.