1. (1) A pet insurer and producer selling pet insurance may not:

   1. (a) market a wellness program as pet insurance; or
   2. (b) market a wellness program during the sale, solicitation, or negotiation of pet insurance.

2. (2) If a wellness program is sold by a pet insurer and producer:

   1. (a) the purchase of the wellness program may not be a requirement to the purchase of pet insurance;
   2. (b) the costs of the wellness program must be separate and identifiable from any pet insurance policy;
   3. (c) the terms and conditions for the wellness program must be separate from any pet insurance policy;
   4. (d) the products or coverages available through the wellness program may not duplicate products or coverages available through the pet insurance policy;
   5. (e) the advertising of the wellness program may not be misleading and must be in accordance with this subsection (2); and

   6. (f) the pet insurer and producer shall clearly disclose the following to consumers, printed in at least 12-point boldface type:

      1. (i) that wellness programs are not insurance;
      2. (ii) the address and customer service telephone number of the pet insurer and producer or broker of record, if the policy was issued or delivered by an agent or broker; and
      3. (iii) the mailing address, telephone number, and website address for the commissioner's office.
3. (3) Coverages included in the pet insurance policy contract described as "wellness" benefits are insurance.

History: En. Sec. 6, Ch. 40, L. 2025.