Bill
SB 1226
Florida establishes pet insurance regulations requiring transparent coverage disclosure, claim processing standards, and consumer protections while distinguishing insurance from wellness programs.
SB 1226 regulates pet insurance products and wellness programs in Florida by establishing standards for coverage transparency, claim handling, and consumer protections. The bill defines what constitutes pet insurance versus wellness plans and sets requirements for how insurers must disclose terms, process claims, and handle disputes. This legislation was ultimately superseded by its companion bill HB 655, which passed and became law (Ch. 2025-11).
Pet insurance is a growing market with millions of Florida pet owners purchasing coverage, yet the industry previously lacked comprehensive state regulation. Clear standards protect consumers from misleading marketing, hidden exclusions, and unreasonable claim denials while providing insurers with regulatory certainty. The passage of companion legislation ensures pet owners have baseline protections when purchasing what can be significant annual expenses for their animals' healthcare.
Compiled from official sources — confirm details with the bill’s official record.
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