State law
Pet insurance laws by state
17 states have a law that specifically regulates pet insurance, most based on the NAIC Pet Insurance Model Act adopted in 2022. In the other 34 (including DC) we found no pet insurance statute, and general insurance law applies. Some laws listed take effect later: check the effective date.
| State | Bill | Law | Effective |
|---|---|---|---|
| California | AB 2056 (2014), amended by SB 1217 (2024) | Cal. Ins. Code §§ 12880-12880.8 (Part 9, Div. 2) | 1 July 2015 |
| Delaware | HB 156 (2023) | Del. Code Ann. tit. 18, §§ 8801-8809 (Chapter 88) | 31 August 2023 |
| Florida | HB 655 (2025) | Fla. Stat. § 627.71545 (Pet Insurance Act) | 1 January 2026 |
| Hawaii | HB 544 (2025), Act 79 | Haw. Rev. Stat. §§ 431:33-101 to 431:33-109 (Hawaii Pet Insurance Act) | 1 January 2026 |
| Louisiana | HB 579 (2023), Act 94 | La. R.S. 22:1371-1375 | 1 January 2024 |
| Maine | LD 482 (SP 186), P.L. 2021, c. 562 (enacted 2022) | Me. Rev. Stat. tit. 24-A, §§ 3151-3161 (Chapter 44) | 1 January 2023 |
| Maryland | HB 647 (2024), Ch. 740 | Md. Code Ann., Ins. §§ 19-1101 to 19-1107 | 1 January 2025 |
| Mississippi | SB 2228 (2023) | Miss. Code Ann. §§ 83-87-1 to 83-87-9 | 1 July 2023 |
| Montana | HB 78 (2025), Ch. 40, Laws of 2025 | Mont. Code Ann. §§ 33-24-401 to 33-24-409 (Montana Pet Insurance Act) | Not stated |
| Nebraska | LB 296 (2023) | Neb. Rev. Stat. §§ 44-6501 to 44-6510 (Pet Insurance Act) | 1 January 2024 |
| New Hampshire | HB 249 (2023), Laws 2023 ch. 149 | N.H. Rev. Stat. Ann. §§ 402-P:1 to 402-P:6 | 1 January 2024 |
| New Jersey Not yet in effect | A1203 (2024-2025 session), P.L. 2025, c. 224 | N.J. Stat. Ann. §§ 17:46D-3 to 17:46D-8 | 1 January 2027 |
| Ohio | SB 175 (135th GA, 2024) | Ohio Rev. Code §§ 3970.01-3970.08 | 22 January 2025 |
| Pennsylvania | HB 660 (2023-2024), Act 19 of 2024 | 40 Pa.C.S. §§ 4701-4711 (Chapter 47) | 7 December 2024 |
| Rhode Island | H 5569 Sub A / S 649 Sub A (2025), P.L. 2025 ch. 423 / ch. 422 | R.I. Gen. Laws §§ 27-83-1 to 27-83-7 | 1 January 2026 |
| Vermont | H.659 (2024), Act 110 (2023 Adj. Sess.), § 28 | Vt. Stat. Ann. tit. 8, §§ 7151-7159 (Chapter 149) | 1 July 2025 |
| Washington | SB 5319 (2023), Ch. 42, Laws of 2023 | RCW 48.205.010-48.205.080 | 1 January 2024 |
No pet insurance statute found
Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming.
What these laws usually do. Laws based on the NAIC model require insurers to explain pre-existing condition exclusions and waiting periods in plain terms, cap waiting periods, give buyers a free-look period to cancel for a refund, keep wellness add-ons separate from insurance, and require agents who sell pet insurance to complete training.
Sources
Checked 29 October 2026.