- (a) Prohibitions.— A pet insurer or insurance producer may not characterize a wellness program as pet insurance.
(b) Conditions.— The sale, solicitation or negotiation of a wellness program by a pet insurer or insurance producer shall be in accordance with the following requirements:
- (1) The purchase of the wellness program shall not be required for the purchase of a pet insurance policy.
- (2) The costs of the wellness program shall be separate and identifiable from any pet insurance policy sold by a pet insurer or insurance producer.
- (3) The terms and conditions of the wellness program must be separate from any pet insurance policy sold by a pet insurer or insurance 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 this subsection.
(6) The insured or prospective insured shall be provided a notice containing the following information in 12-point boldface type:
- (i) A statement that a wellness program is not insurance.
- (ii) The address and customer service telephone number of the pet insurer or insurance producer or broker of record.
- (iii) The department's mailing address, toll-free telephone number and website address.
- (c) Construction.— If a pet insurance policy contains coverage for benefits described as "wellness benefits," the benefits shall be considered insurance for purposes of this chapter.