Short answer: California regulates pet insurance in Insurance Code §12880 and following sections, updated by SB 1217 (2024). Before you buy, the insurer must disclose preexisting condition exclusions, waiting periods, deductibles, coinsurance and annual or lifetime limits. Waiting periods can be up to 30 days for illnesses and non-accident orthopedic conditions but aren't allowed for accidents, and you get a free-look period of at least 30 days.
What the law requires
| Topic | Rule | Source |
|---|---|---|
| Disclosures | Preexisting condition exclusions, waiting periods, deductibles, coinsurance and benefit limits must be disclosed | Insurance Code §12880.2 |
| Waiting periods | Up to 30 days for illness or orthopedic conditions not caused by accident; none for accidents | Insurance Code §12880 et seq. |
| Free look | At least 30 days to cancel for a refund, unless the insurer has paid a claim or told you in writing that it will pay one | §12880.2 |
| Wellness programs | A wellness program sold by the insurer is generally treated as insurance; one run and marketed by a separate non-insurer provider generally is not | §12880.4 |
Terms to read closely
- Preexisting condition: generally a condition for which a vet gave advice or treatment, or the pet showed signs or symptoms, before coverage began or during a waiting period.
- Orthopedic: includes conditions of bones, joints, ligaments and tendons, such as hip dysplasia and cruciate ligament tears.
- Waiting period waiver: ask whether the insurer will waive the waiting period after a veterinary exam, and get the answer in writing.
Checklist
- Gather your pet's vet records so you know what may count as preexisting.
- Compare the deductible type (annual or per condition) and reimbursement percentage.
- Use the free look to read the full policy.
Related: pet insurance.
Frequently asked questions
Does California regulate pet insurance?
Yes. Insurance Code §12880 and following sections, updated by SB 1217 in 2024, set disclosure, waiting period and free-look rules.
Can pet insurance have a waiting period in California?
Yes, up to 30 days for illness or non-accident orthopedic conditions, but not for accidents.
Can I cancel a new pet insurance policy for a refund?
Yes, during a free-look period of at least 30 days, unless the insurer has paid a claim or told you in writing that it will pay one.
Is a pet wellness plan insurance?
No. It depends. Under Insurance Code §12880.4, a wellness program sold by the insurer is generally treated as insurance, while one provided and marketed by a separate non-insurer company generally is not.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.