Ohio § 3970.06 Wellness programs

Ohio Statutes

§ 3970.06 — Wellness programs

Ohio § 3970.06

Title 39Insurance

Ch. 3970Pet insurance

This text of Ohio § 3970.06 (Wellness programs) is published on Counsel Stack Legal Research, covering Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Ohio Rev. Code Ann. § 3970.06 (2026).

Text

(A)No pet insurer shall condition eligibility to purchase pet insurance on participation, or lack of participation, in a separate wellness program.

(B)No pet insurer or agent shall market a wellness program as pet insurance.

(C)If a wellness program is sold by a pet insurer, all of the following apply:

(1)The purchase of the wellness program shall not be a requirement to purchase pet insurance;

(2)The costs of the wellness program shall be separate and identifiable from any premiums or other costs for pet insurance sold by a pet insurer or agent;

(3)The terms and conditions for the wellness program shall be separate from any pet insurance sold by the pet insurer or agent;

(4)The products or coverage available through the wellness program shall not duplicate products or coverag

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(A) No pet insurer shall condition eligibility to purchase pet insurance on participation, or lack of participation, in a separate wellness program.

(B) No pet insurer or agent shall market a wellness program as pet insurance.

(C) If a wellness program is sold by a pet insurer, all of the following apply:

(1) The purchase of the wellness program shall not be a requirement to purchase pet insurance;

(2) The costs of the wellness program shall be separate and identifiable from any premiums or other costs for pet insurance sold by a pet insurer or agent;

(3) The terms and conditions for the wellness program shall be separate from any pet insurance sold by the pet insurer or agent;

(4) The products or coverage available through the wellness program shall not duplicate products or coverage available through the pet insurance;

(5) The advertising of the wellness program shall not be misleading and shall comply with division (C)(6) of this section;

(6) The pet insurer or agent shall clearly disclose both of the following to consumers:

(a) That wellness program is not pet insurance;

(b) The address and customer service telephone number of the pet insurer or agent.

(D)(1) All coverage included in a pet insurance policy is considered insurance, regardless of whether the coverage is described as a wellness benefit.

(2) Except as otherwise provided in division (D)(3) of this section, if a wellness program undertakes to indemnify another party, pays a specified amount upon determinable contingencies, or provides coverage for a fortuitous event, the program is transacting the business of insurance and is subject to the requirements of this chapter and all other applicable laws.

(3) A wellness program contract directly between a service provider and a pet owner that involves only those two parties is not transacting the business of insurance unless the contract has other characteristics of insurance.

Last updated January 23, 2025 at 2:51 PM