washington pet insurance law

What Washington’s new pet insurance bill means for you

Olympic, Washington The new pet insurance law in Washington state, Senate Bill 5319, was approved by the governor in April.What does it mean to you? greater safety and less confusion.

The measure strengthens protections for pet owners, mandates that insurers publish information about coverage, and establishes training and licensing requirements for salespeople. It is based on model legislation from the National Association of Insurance Commissioners.

Pet Laws in Washington
Pet Laws in Washington

Definitions

A uniform definition for phrases that are often used in pet insurance plans is established by 5319. The phrases orthopaedic, previous condition, chronic condition, congenital anomaly, hereditary disorder, renewal, veterinarian, veterinary fees, waiting period, and wellness program are all defined.

The insurance provider must use the definition given in SB 5319 and make it accessible on its website if your insurance policy contains any of these terms.

Pet insurance will have to abide by new rules in Washington
Pet insurance will have to abide by new rules in Washington

Disclosures

If you buy pet insurance, the insurance company must inform you if the policy excludes coverage for chronic diseases, inherited problems, congenital defects, or disorders.

The policy must expressly state any further exclusions, if there are any. Additionally, your insurer is required to inform you of any policy restrictions (such as a waiting period, deductible, coinsurance, or policy limit) as well as any coverage reductions or premium increases caused by past claims, the age of your pet, or a change in your location.

Free look period

You have 15 days from the time you purchase insurance to change your mind, return the policy, and receive a refund—providing you haven’t made a claim.

Exclusions

Preexisting condition exclusions are possible in policies, and it is your insurance provider’s responsibility to substantiate any such condition, not the pet owner’s.
Accident coverage is not permitted to have waiting periods. For the coverage of illnesses or orthopaedic issues, policies may impose waiting periods of up to 30 days; however, these can be waived with a medical exam.
A medical exam cannot be required for a policy renewal by your insurance carrier.

Wellness programs

cost of necessary specialist diets, immunizations, and veterinary visits. Insurance coverage is not the same as a wellness program. Participation in a wellness programme cannot affect your pet’s insurance eligibility, and wellness programmes cannot be The majority of wellness programs are subscription-based, which helps spread out the cost in conjunction with the sale of pet insurance.

Licensing

The Office of the Insurance Commissioner requires that anyone who sells pet insurance complete the necessary training and obtain a license.
The law becomes effective on January 1, 2024.

Pet Laws in Washington
Pet Laws in Washington

Stanford bill to elevate quality of pet insurance signed into law

Olympia—For the first time, pet owners in Washington will be able to rely on a market for insurance that is tightly regulated to pay for the medical needs of their furry pets.
Gov. Jay Inslee today approved SB 5319, which creates protections for insurance consumers, mandates coverage disclosures, and provides training and licensing requirements for sellers.
The bill’s sponsor, Sen.

Derek Stanford (D-Bothell), chair of the Senate Business, Financial Services, Gaming, and Trade Committee, said that pet insurance has been a Wild West of unregulated offerings, deceptive advertisements, and arbitrarily denied claims that have done a disservice to pet owners, to their pets, and to the responsible businesses trying to offer a good product but getting lost in the tumult.

“This law establishes a floor,” akin to what Obamacare did in the health insurance market for quality and uniformity between plans in the pet insurance industry.
Several pet insurance providers testified or signed a petition in support of the law when it was debated in committee, marking a significant example of cooperation between regulators and industry for the benefit of consumer protection.


The National Association of Insurance Commissioners’ standard policy served as the foundation for the legislation. By defining essential words and enforcing uniform disclosures about coverage—including previous condition exemptions, waiting periods, copays, and other exclusions—it facilitates comparisons between plans.

Additionally, the bill forbids deceptive marketing techniques that promote wellness programs, which frequently encompass regular care like annual exams, immunizations, and dental treatment but do not pay for larger costs, such as insurance. On the other hand, pet insurance coverage assists in defraying major costs, including unanticipated veterinary visits, accidents, diseases, emergencies, surgeries, and medicines.

The measure prohibits insurers from requiring a customer to enroll in a wellness program before they may obtain insurance.
The legislation also mandates that pet insurers obtain a license and undergo training

Pet insurance will have to abide by new rules in Washington

A new state law in Washington will impose stricter guidelines on pet insurance carriers, including new criteria for what constitutes a pre-existing ailment that can justify denying a claim.

What’s going on: Late last week, Governor Jay Inslee signed the legislation into law, stating that it “better regulates the pet insurance market.

Why it matters: People purchase pet insurance as a preventative measure to avoid having to pay thousands of dollars for their animals’ medical care. However, Axios discovered that customers in Washington have recently complained in scores of instances about how their pet insurance coverage has fallen short of their expectations.

According to the new rule, insurers may only decline to provide medical coverage for a pet if a pre-existing disease is “directly related” to the new illness.
The waiting periods that certain pet insurance policies impose before covering unintentional injuries will also be eliminated by the law.

It won’t put a restriction on annual pet insurance rate hikes, but it does mandate that businesses inform clients in simple language that premiums may increase as pets age or if owners move.

What they say is this: The bill’s author, state senator Derek Stanford, stated during a Senate floor speech that the absence of state legislation expressly addressing cat insurance made the new proposal a “good consumer protection policy.”

Both the House and Senate voted overwhelmingly to pass the bill.
“Those of us with pets who have spent a fortune on keeping them happy and healthy couldn’t agree more that this is very much needed legislation,” state senator Perry Dozier said.remarked on the Senate floor.

What Washington’s new pet insurance bill means for you
What Washington’s new pet insurance bill means for you

Mississippi and Washington legislation pet insurance

  • Current Veterinary Business Personnel
  • Staff of the Modern Veterinary Busines

The two most recent states to implement regulations governing pet health insurance are Mississippi and Washington. The first states to pass such consumer protection laws were California in 2014 and Maine in 2022

The North American Pet Health Insurance Association estimates that in 2022, there will be 4.9 million covered dogs and cats in the United States. Although the sum only accounts for roughly 3% of the estimated 150 million dogs and cats in the country, sales have increased consistently over the previous ten years.

The statute in Washington, which takes effect on January 1, 2024, is comparable to the one in Maine and is based on model legislation from the National Association of Insurance Commissioners. Particulars include:

  • Definitions: The legislation specifies standard definitions for phrases that are regularly used in pet insurance contracts.
  • Disclosures: If the insurance excludes coverage due to a preexisting ailment, hereditary disorder, congenital anomaly, or chronic condition, the insurer must inform the buyer. The insurer must also state whether the policy has restrictions, such as a waiting period, deductible, coinsurance, or policy limit, as well as whether coverage is reduced or premiums are raised in response to a claim history, the age of the pet, or a change in location.
  • Free glance: If no claim has been made, buyers have 15 days to receive their money back.
  • Preexisting conditions may be excluded from coverage under a policy, but the insurance provider must be able to substantiate this.
  • Waiting times: They facilitate accident insurance.
  • Renewal: The insurance provider is not permitted to demand a vet visit in return for a policy renewal.
  • Wellness programs: The insurer is prohibited from requiring enrollment in a wellness program as a condition of eligibility and from advertising wellness programs as pet insurance.
  • Obtaining a license from the Office of the Insurance Commissioner requires pet insurance marketers to complete the necessary training.
  • The law in Mississippi, which took effect on July 1, is similar to the model law but does not prohibit or limit waiting periods or mandate training for pet insurance salesmen.
  • New Jersey, Pennsylvania, and Rhode Island are the other three states that are debating pet insurance legislation.

The state insurance commissioner highlights new rules under state pet insurance law

Washington households can anticipate more safety and less uncertainty following Gov. Jay Inslee’s signing of a new pet insurance bill into law in April, according to a news release from Washington State Insurance Commissioner Mike Kreidler.

According to the press release, Senate Bill 5319, which mandates insurers publish information regarding coverage, was modeled after model legislation from the National Association of Insurance Commissioners. The measure also specifies seller training and license requirements.

Chronic ailments, congenital anomalies, genetic disorders, orthopaedics, preexisting conditions, renewals, veterinarians, veterinary bills, waiting periods, and wellness programs are among the phrases regularly used in pet insurance contracts that are uniformly defined under SB 5319.

If any of those phrases appear in an insurance policy, the provider must apply the specified meaning to its website and include that definition in SB 5319.

The insurance provider must now inform customers who acquire pet insurance if the policy excludes coverage due to chronic diseases, inherited disorders, congenital anomalies, or preexisting ailments. The policy must expressly state any further exclusions, if there are any.

Additionally, the insurer is required to inform policyholders of any restrictions on their coverage, such as a waiting period, deductible, coinsurance requirement, or policy limit. Additionally, clients must be notified by insurance firms if their coverage is reduced or their rates rise due to a claimant’s history, the age of their pet, or a change in residence.

People who acquired coverage but haven’t made a claim will now be subject to the new law.They have 15 days to alter their minds and receive a refund.

How much does pet insurance cost in Washington?

Owners must conduct some research before selecting the best coverage because a number of variables, such as location, age, and breed of the pet, affect the price of pet insurance.
The price to insure a small, mixed-breed dog served as the basis for our average monthly dog premiums.

Our research revealed that the typical monthly premium for a 2-year-old dog in Seattle is $37.85, and for a 6-year-old dog, it is $47.27 for a policy with a $5,000 cap.

Based on how much it costs to insure a domestic shorthair cat, we calculated the typical cat premiums. According to our analysis, the cost is $24.92 per month for a 2-year-old cat living in Seattle with a $5,000 insurance cap. When a 6-year-old cat in Seattle has the same amount of coverage, the typical monthly fee is $29.33.

A $250 deductible and a 90% reimbursement rate were used as the basis for calculating all of our charges.

How Much Does Pet Insurance Cost in Washington?
How much does pet insurance cost in Washington?

Cost comparison

Our research shows that Seattle’s pet insurance rates are among the highest in the nation. Its average monthly rates are higher than those in the other locations we looked at for a 2-year-old small, mixed-breed dog: $37.855 with an annual limit of $5,000 and $43.20 with no-limit insurance.

Although the costs aren’t as expensive in Portland, Oregon, they are still on the higher end of the price range, at $31.46 per month for unlimited coverage and $27.52 per month for a $5,000-limit policy. For that dog, the typical monthly premiums in Los Angeles are $27.54 for an insurance policy with $5,000 in coverage and $32.20 for an unrestricted policy.

The cost of cats in Seattle Among the 20 cities in our analysis, insurance costs aren’t the highest, but they are still higher than the majority.

A domestic shorthair cat that is two years old will cost $24.92 per month to cover with a $5,000 limit and $28.44 per month with an unlimited policy. In Los Angeles, the premiums are even more expensive: $26.68 for $5,000 in coverage and $31.20 for unlimited coverage.

For a 2-year-old cat with a $5,000 annual coverage limit, it costs $16.29 per month in Portland, and it costs $18.62 per month without an annual limit.

The cost of pet insurance for dogs

The age of the pet and the scope of the policy’s coverage affect insurance rates. A tiny, mixed-breed dog that is two years old costs $37.85 a month on average for a $5,000 coverage plan in Seattle, and that same dog costs $47.27 at age six.

For a 2-year-old dog on an unlimited plan, that average is $43.20 a month, and for a 6-year-old dog, it is $53.95 per month.

Pet insurance for dogs in U.S. metropolitan areas

The most expensive city in our ranking for a 2-year-old small, mixed-breed dog’s insurance is Seattle ($37.85 with a $5,000-limit policy). Jacksonville, Florida, offers the lowest monthly premium for that dog with the same coverage limit at $14.03.

The top cities to own a dog in Washington

In our list of the Top 50 U.S. Cities for Dog Ownership, Seattle is ranked No. 5, behind Portland, Tampa, New York City, and San Francisco. In this rating, it is the sole city in Washington.

The number of dog parks, walkability, average number of days below 32 degrees and above 90 degrees, number of veterinarians, average cost of vet visits, average price of 30-minute dog walks, and hourly pet-sitting rates of each city were taken into consideration when ranking them.

Mississippi pet insurance law

Mississippi pet insurance law

The Top Mississippi Pet Insurance Providers MoneyGeek examined tens of thousands of prices, plans, and policy specifics to identify the top pet insurance providers in Mississippi. The most affordable rates and product selection criteria were used to choose the top pet insurance providers in Mississippi.

The price of pet insurance may vary depending on the breed, age, and medical history of your pet. To discover the finest pet insurance coverage in Mississippi that fits your needs and budget, you should always get many quotes.

You’ve come to the right place, Mississippi pet owners, whether you live in Jackson with a Jack Russell or Southaven with a Saint Bernard. While we’re at it, we’ll go over pet insurance basics so you can protect your furry friend (and your wallet) while we walk you through the inner secrets and hidden jewels of being a pet parent in Mississippi.

The cost of pet insurance for cats

Although overall, monthly rates for cats are typically lower than those for dogs, they do increase with the age of the cat and the amount of coverage the plan provides. The typical monthly premium in Seattle is $24.92 for a domestic shorthair cat that is 2 years old with a $5,000 limit, and it is $28.44 for the same cat with no policy limit.

This monthly cost increases to $29.33 with $5,000 in coverage and $33.48 with limitless coverage for a domestic shorthair cat that is six years old.

The cost of pet insurance for cats
The cost of pet insurance for cats

Pet insurance for cats in U.S. metropolitan areas

New York City has the highest monthly cat insurance premiums of any city, ranging from $30.52 for a 2-year-old cat to $42.78 for a 6-year-old cat with a $5,000 coverage maximum. An unlimited policy costs $35.84 per month for a 2-year-old cat and $50.24 per month for a 6-year-old cat.

In Jacksonville, where policies cost an average of $11.23 per month for a 2-year-old cat with a $5,000-limit policy, $15.74 per month for a 6-year-old cat with the same coverage limit, and $18.41 per month for a 6-year-old cat with a no-limit policy, policyholders can find some of the most affordable rates.

Jacksonville doesn’t offer the cheapest price, though ($15.97 per month) for a 2-year-old cat with a no-limit policy; Indianapolis holds the record with an average rate of $13.13 per month.

Los Angeles has higher average cat insurance prices than most of the other places we looked at, despite not being as expensive. For a domestic shorthair cat that is 2 years old, a policyholder can anticipate paying $26.68 per month and $37.40 per month for a cat that is 6 years old. For a 2-year-old cat, policyholders with unlimited coverage can anticipate paying $31.20 per month, and for a 6-year-old cat, $43.73 per month.

Pet Laws in Washington

Seattle has leash legislation requiring that all animals, with the exception of cats and pigeons, be kept on leashes outside of specified off-leash areas. Although cats are not required to be on leashes when out in public, it is nevertheless illegal for them to cause a nuisance, a sanitary problem, or damage to property.

The Spokane County Regional Animal Protection Service requires a license from all dogs and cats living in Spokane County who are older than 6 months.

Best Pet Insurance by State

  • Arizona’s Best Pet Insurance
  • California’s Best Pet Insurance
  • The best Colorado pet insurance
  • The best coverage for pets in Connecticut
  • Florida’s Best Pet Insurance
  • Indiana’s Best Pet Insurance
  • the best coverage for pets in Massachusetts
  • Michigan’s Best Pet Insurance
  • The best Minnesota pet insurance
  • Jersey’s top pet insurance
  • New York’s top pet insurance
  • The best coverage for pets in North Carolina
  • Ohio’s top pet insurance
  • Oregon’s Best Pet Insurance
  • The best Pennsylvania pet insurance
  • Texas’s Best Pet Insurance
  • Utah’s Best Pet Insurance
  • The top Virginia pet insurance
  • Washington’s Best Pet Insurance
  • Wisconsin’s Best Pet Insurance
Pet Laws in Washington
Pet Laws in Washington

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https://www.usnews.com/insurance/pet-insurance/washington

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