DeSantis Signs Pet Insurance Regulation Bill into Law
Florida Governor Ron DeSantis signed a bill into law on Friday that sets regulations for pet insurance policies sold in the state. The legislation, known as HB 655, was unanimously approved by both the House and Senate earlier this month.
The new law requires pet insurance providers to disclose whether their policies exclude coverage for chronic conditions and preexisting conditions. Insurers will also be required to provide information about claim payments and benefit schedules. According to a House staff analysis, four carriers currently offer pet insurance policies in Florida, covering various conditions including illnesses and orthopedic issues.
As veterinary care costs rise due to companion animals living longer, more pet owners are considering insurance to manage expenses related to preventive care, illnesses, and emergencies. The bill will take effect on January 1, 2026.
The regulation of pet insurance mirrors some aspects of human health care regulation, addressing issues such as coverage exclusions and transparency in claim payments. This move aims to provide pet owners with clearer understanding of their insurance coverage and help them make informed decisions about their pets’ healthcare.
