§ 4708 — Sales practices for wellness programs

(a) Prohibitions.--A pet insurer or insurance producer may not characterize a wellness program as pet insurance.

(b) Conditions.--The sale, solicitation or negotiation of a wellness program by a pet insurer or insurance producer shall be in accordance with the following requirements:

(1) The purchase of the wellness program shall not be required for the purchase of a pet insurance policy.

(2) The costs of the wellness program shall be separate and identifiable from any pet insurance policy sold by a pet insurer or insurance producer.

(3) The terms and conditions of the wellness program must be separate from any pet insurance policy sold by a pet insurer or insurance producer.

(4) The products or coverages available through the wellness program shall not duplicate products or coverages available through the pet insurance policy.

(5) The advertising of the wellness program shall not be misleading and shall be in accordance with this subsection.

(6) The insured or prospective insured shall be provided a notice containing the following information in 12-point boldface type:

(i) A statement that a wellness program is not insurance.

(ii) The address and customer service telephone number of the pet insurer or insurance producer or broker of record.

(iii) The department's mailing address, toll-free telephone number and website address.

(c) Construction.--If a pet insurance policy contains coverage for benefits described as "wellness benefits," the benefits shall be considered insurance for purposes of this chapter.