S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  5324--A
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                             February 20, 2025
                                ___________
 
 Introduced  by  Sens.  BAILEY, COONEY -- read twice and ordered printed,
   and when printed to be committed to  the  Committee  on  Insurance  --
   committee  discharged,  bill amended, ordered reprinted as amended and
   recommitted to said committee
 
 AN ACT to amend the insurance law, in  relation  to  providing  for  the
   issuance of pet insurance

   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Paragraph 35 of subsection  (a)  of  section  1113  of  the
 insurance  law,  as  renumbered  by  chapter 369 of the laws of 2024, is
 renumbered paragraph 36 and a new paragraph  35  is  added  to  read  as
 follows:
   (35)  "PET  INSURANCE" SHALL HAVE THE SAME MEANING AS DEFINED IN PARA-
 GRAPH FIVE OF SUBDIVISION (A) OF SECTION  THREE  THOUSAND  FOUR  HUNDRED
 SIXTY-THREE  OF  THIS CHAPTER, AND SHALL NOT BE CONSIDERED ANIMAL INSUR-
 ANCE AS DEFINED IN PARAGRAPH ELEVEN OF THIS SUBSECTION.
   § 2. The insurance law is amended by adding a new section 3463 to read
 as follows:
   § 3463. PET INSURANCE. (A) AS USED  IN  THIS  SECTION,  THE  FOLLOWING
 TERMS SHALL HAVE THE FOLLOWING MEANINGS:
   (1)  "CHRONIC  CONDITION"  MEANS  A  CONDITION  THAT CAN BE TREATED OR
 MANAGED, BUT NOT CURED.
   (2) "CONGENITAL ANOMALY OR DISORDER" MEANS A CONDITION THAT IS PRESENT
 FROM BIRTH, WHETHER INHERITED OR CAUSED BY THE  ENVIRONMENT,  WHICH  MAY
 CAUSE OR CONTRIBUTE TO ILLNESS OR DISEASE.
   (3)  "HEREDITARY  DISORDER"  MEANS  AN ABNORMALITY THAT IS GENETICALLY
 TRANSMITTED FROM PARENT TO OFFSPRING AND MAY CAUSE ILLNESS OR DISEASE.
   (4) "ORTHOPEDIC" REFERS TO CONDITIONS AFFECTING  THE  BONES,  SKELETAL
 MUSCLE,  CARTILAGE,  TENDONS, LIGAMENTS, AND JOINTS. IT INCLUDES, BUT IS
 NOT LIMITED TO, ELBOW  DYSPLASIA,  HIP  DYSPLASIA,  INTERVERTEBRAL  DISC
 DEGENERATION,  PATELLAR  LUXATION,  AND  RUPTURED CRANIAL CRUCIATE LIGA-
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD01872-03-5
              

 S. 5324--A                          2
 
 MENTS.  IT DOES NOT INCLUDE CANCERS OR METABOLIC, HEMOPOIETIC, OR  AUTO-
 IMMUNE DISEASES.
   (5)  "PET  INSURANCE"  MEANS A PROPERTY INSURANCE POLICY THAT PROVIDES
 COVERAGE FOR ACCIDENTS AND ILLNESSES OF PETS.
   (6) "PREEXISTING CONDITION" MEANS ANY CONDITION FOR WHICH ANY  OF  THE
 FOLLOWING ARE TRUE PRIOR TO THE EFFECTIVE DATE OF A PET INSURANCE POLICY
 OR DURING ANY WAITING PERIOD:
   (A) A VETERINARIAN PROVIDED MEDICAL ADVICE;
   (B) THE PET RECEIVED PREVIOUS TREATMENT; OR
   (C) BASED ON INFORMATION FROM VERIFIABLE SOURCES, THE PET HAD SIGNS OR
 SYMPTOMS  DIRECTLY  RELATED  TO THE CONDITION FOR WHICH A CLAIM IS BEING
 MADE.
   A CONDITION FOR WHICH COVERAGE IS AFFORDED ON A POLICY  SHALL  NOT  BE
 CONSIDERED A PREEXISTING CONDITION ON ANY RENEWAL OF THE POLICY.
   (7)  "RENEWAL"  MEANS  TO ISSUE AND DELIVER AT THE END OF AN INSURANCE
 POLICY PERIOD A POLICY WHICH SUPERSEDES A POLICY PREVIOUSLY  ISSUED  AND
 DELIVERED  BY  THE SAME INSURER OR AFFILIATED INSURER AND WHICH PROVIDES
 TYPES AND LIMITS OF COVERAGE SUBSTANTIALLY SIMILAR TO THOSE CONTAINED IN
 THE POLICY BEING SUPERSEDED.
   (8) "VETERINARIAN" MEANS AN INDIVIDUAL WHO HOLDS A  VALID  LICENSE  TO
 PRACTICE  VETERINARY  MEDICINE  UNDER ARTICLE ONE HUNDRED THIRTY-FIVE OF
 THE EDUCATION LAW.
   (9) "VETERINARY EXPENSES" MEANS  THE  COSTS  ASSOCIATED  WITH  MEDICAL
 ADVICE,  DIAGNOSIS,  CARE,  OR  TREATMENT  PROVIDED  BY  A VETERINARIAN,
 INCLUDING, BUT NOT LIMITED TO, THE COST OF DRUGS PRESCRIBED BY A VETERI-
 NARIAN.
   (10) "WAITING PERIOD" MEANS THE PERIOD OF  TIME  SPECIFIED  IN  A  PET
 INSURANCE POLICY THAT IS REQUIRED TO TRANSPIRE BEFORE SOME OR ALL OF THE
 COVERAGE  IN  THE POLICY CAN BEGIN. WAITING PERIODS SHALL NOT BE APPLIED
 TO RENEWALS OF EXISTING COVERAGE.
   (11) "WELLNESS PROGRAM" MEANS A  SUBSCRIPTION  OR  REIMBURSEMENT-BASED
 PROGRAM  THAT  IS  SEPARATE FROM AN INSURANCE POLICY THAT PROVIDES GOODS
 AND SERVICES TO PROMOTE THE GENERAL HEALTH, SAFETY, OR WELLBEING OF  THE
 PET.  IF ANY WELLNESS PROGRAM REQUIRES AN AGREEMENT OR OTHER TRANSACTION
 WHEREBY  AN  INSURER IS OBLIGATED TO CONFER A BENEFIT OF PECUNIARY VALUE
 UPON ANOTHER PARTY, DEPENDENT UPON THE HAPPENING OF A  FORTUITOUS  EVENT
 IN  WHICH  THE INSURED OR BENEFICIARY HAS, OR IS EXPECTED TO HAVE AT THE
 TIME OF SUCH HAPPENING, A MATERIAL  INTEREST  WHICH  WILL  BE  ADVERSELY
 AFFECTED  BY THE HAPPENING OF SUCH EVENT, IT IS TRANSACTING IN THE BUSI-
 NESS OF INSURANCE AND IS SUBJECT TO THE PROVISIONS OF THIS CHAPTER. THIS
 DEFINITION IS NOT INTENDED TO CLASSIFY A  CONTRACT  DIRECTLY  BETWEEN  A
 SERVICE  PROVIDER  AND A PET OWNER THAT ONLY INVOLVES THE TWO PARTIES AS
 BEING THE BUSINESS OF INSURANCE, UNLESS OTHER INDICATIONS  OF  INSURANCE
 ALSO EXIST.
   (B)  IF  AN  INSURER  USES  ANY OF THE TERMS IN SUBSECTION (A) OF THIS
 SECTION IN A POLICY OF PET INSURANCE, THE INSURER SHALL  USE  THE  DEFI-
 NITION  OF  EACH  OF  THOSE  TERMS  AS  SET FORTH IN SUCH SUBSECTION AND
 INCLUDE THE DEFINITION OF THE TERMS IN THE  POLICY.  THE  INSURER  SHALL
 ALSO MAKE THE DEFINITIONS AVAILABLE THROUGH A CLEAR AND CONSPICUOUS LINK
 ON  THE  MAIN  PAGE  OF THE INSURER OR INSURER'S PROGRAM ADMINISTRATOR'S
 WEBSITE.  NOTHING IN THIS SECTION SHALL IN ANY WAY PROHIBIT OR LIMIT THE
 TYPES OF EXCLUSIONS INSURERS MAY USE IN THEIR POLICIES OR REQUIRE INSUR-
 ERS TO HAVE ANY  OF  THE  LIMITATIONS  OR  EXCLUSIONS  DEFINED  IN  THIS
 SECTION.
   (C)  (1)  AN  INSURER  TRANSACTING  PET  INSURANCE  SHALL DISCLOSE THE
 FOLLOWING TO CONSUMERS:
 S. 5324--A                          3
 
   (A) IF THE POLICY EXCLUDES COVERAGE DUE TO ANY OF THE FOLLOWING:
   (I) A PREEXISTING CONDITION;
   (II) A HEREDITARY DISORDER;
   (III) A CONGENITAL ANOMALY OR DISORDER; OR
   (IV) A CHRONIC CONDITION.
   (B)  IF THE POLICY INCLUDES ANY OTHER EXCLUSIONS, THE FOLLOWING STATE-
 MENT:   "OTHER EXCLUSIONS MAY APPLY.  PLEASE  REFER  TO  THE  EXCLUSIONS
 SECTION OF THE POLICY FOR MORE INFORMATION."
   (C)  ANY  POLICY  PROVISION  THAT LIMITS COVERAGE THROUGH A WAITING OR
 AFFILIATION PERIOD, A DEDUCTIBLE, COINSURANCE, OR AN ANNUAL OR  LIFETIME
 POLICY LIMIT.
   (D)  WHETHER  THE INSURER REDUCES COVERAGE OR INCREASES PREMIUMS BASED
 ON THE INSURED'S CLAIM HISTORY, THE AGE OF THE COVERED PET OR  A  CHANGE
 IN THE GEOGRAPHIC LOCATION OF THE INSURED.
   (E)  IF  THE  UNDERWRITING COMPANY DIFFERS FROM THE BRAND NAME USED TO
 MARKET AND SELL THE PRODUCT.
   (2) (A) UNLESS THE INSURED HAS FILED A CLAIM UNDER THE  PET  INSURANCE
 POLICY,  PET  INSURANCE  APPLICANTS  SHALL HAVE THE RIGHT TO EXAMINE AND
 RETURN  THE  POLICY,  CERTIFICATE  OR  RIDER  TO  THE  COMPANY   OR   AN
 AGENT/INSURANCE  PRODUCER  OF  THE  COMPANY  WITHIN  THIRTY  DAYS OF ITS
 RECEIPT AND TO HAVE THE PREMIUM REFUNDED IF, AFTER  EXAMINATION  OF  THE
 POLICY,  CERTIFICATE  OR  RIDER,  THE APPLICANT IS NOT SATISFIED FOR ANY
 REASON.
   (B) PET INSURANCE POLICIES,  CERTIFICATES  AND  RIDERS  SHALL  HAVE  A
 NOTICE PROMINENTLY PRINTED ON THE FIRST PAGE OR ATTACHED THERETO INCLUD-
 ING  SPECIFIC  INSTRUCTIONS  TO  ACCOMPLISH A RETURN. THE FOLLOWING FREE
 LOOK STATEMENT OR LANGUAGE SUBSTANTIALLY SIMILAR SHALL BE INCLUDED:
   "YOU HAVE 30 DAYS FROM THE DAY YOU RECEIVE THIS POLICY, CERTIFICATE OR
 RIDER TO REVIEW IT AND RETURN IT TO THE COMPANY IF  YOU  DECIDE  NOT  TO
 KEEP  IT.  YOU DO NOT HAVE TO TELL THE COMPANY WHY YOU ARE RETURNING IT.
 IF YOU DECIDE NOT TO KEEP IT, SIMPLY RETURN IT TO  THE  COMPANY  AT  ITS
 ADMINISTRATIVE  OFFICE  OR  YOU  MAY  RETURN  IT  TO THE AGENT/INSURANCE
 PRODUCER THAT YOU BOUGHT IT FROM AS LONG AS YOU HAVE NOT FILED A  CLAIM.
 YOU  MUST RETURN IT WITHIN 30 DAYS OF THE DAY YOU FIRST RECEIVED IT. THE
 COMPANY WILL REFUND THE FULL AMOUNT OF ANY PREMIUM PAID WITHIN  30  DAYS
 AFTER IT RECEIVES THE RETURNED POLICY, CERTIFICATE, OR RIDER. THE PREMI-
 UM  REFUND  WILL BE SENT DIRECTLY TO THE PERSON WHO PAID IT. THE POLICY,
 CERTIFICATE OR RIDER WILL BE VOID AS IF IT HAD NEVER BEEN ISSUED."
   (3) AN INSURER SHALL CLEARLY DISCLOSE A  SUMMARY  DESCRIPTION  OF  THE
 BASIS  OR FORMULA ON WHICH THE INSURER DETERMINES CLAIM PAYMENTS UNDER A
 PET INSURANCE POLICY WITHIN THE POLICY, PRIOR  TO  POLICY  ISSUANCE  AND
 THROUGH  A CLEAR AND CONSPICUOUS LINK ON THE MAIN PAGE OF THE INSURER OR
 INSURER'S PROGRAM ADMINISTRATOR'S WEBSITE.
   (4) AN INSURER THAT USES A BENEFIT SCHEDULE TO DETERMINE CLAIM PAYMENT
 UNDER A PET INSURANCE POLICY SHALL DO BOTH OF THE FOLLOWING:
   (A) CLEARLY DISCLOSE THE APPLICABLE BENEFIT SCHEDULE IN THE POLICY.
   (B) DISCLOSE ALL BENEFIT SCHEDULES USED BY THE INSURER UNDER  ITS  PET
 INSURANCE POLICIES THROUGH A CLEAR AND CONSPICUOUS LINK ON THE MAIN PAGE
 OF THE INSURER OR INSURER'S PROGRAM ADMINISTRATOR'S WEBSITE.
   (5)  AN  INSURER  THAT DETERMINES CLAIM PAYMENTS UNDER A PET INSURANCE
 POLICY BASED ON USUAL AND CUSTOMARY FEES,  OR  ANY  OTHER  REIMBURSEMENT
 LIMITATION  BASED  ON  PREVAILING  VETERINARY  SERVICE PROVIDER CHARGES,
 SHALL DO BOTH OF THE FOLLOWING:
   (A) INCLUDE A USUAL AND CUSTOMARY  FEE  LIMITATION  PROVISION  IN  THE
 POLICY  THAT CLEARLY DESCRIBES THE INSURER'S BASIS FOR DETERMINING USUAL
 S. 5324--A                          4
 
 AND CUSTOMARY FEES AND HOW THAT BASIS IS APPLIED  IN  CALCULATING  CLAIM
 PAYMENTS.
   (B)  DISCLOSE  THE INSURER'S BASIS FOR DETERMINING USUAL AND CUSTOMARY
 FEES THROUGH A CLEAR AND CONSPICUOUS LINK ON THE MAIN PAGE OF THE INSUR-
 ER OR INSURER'S PROGRAM ADMINISTRATOR'S WEBSITE.
   (6) IF ANY MEDICAL EXAMINATION BY A LICENSED VETERINARIAN IS  REQUIRED
 TO  EFFECTUATE  COVERAGE,  THE  INSURER  SHALL CLEARLY AND CONSPICUOUSLY
 DISCLOSE THE REQUIRED ASPECTS OF THE EXAMINATION PRIOR TO  PURCHASE  AND
 DISCLOSE  THAT  EXAMINATION  DOCUMENTATION  MAY  RESULT IN A PREEXISTING
 CONDITION EXCLUSION.
   (7) WAITING PERIODS AND THE REQUIREMENTS APPLICABLE TO THEM  SHALL  BE
 CLEARLY  AND  PROMINENTLY  DISCLOSED  TO  CONSUMERS  PRIOR TO THE POLICY
 PURCHASE.
   (8) THE INSURER SHALL INCLUDE  A  SUMMARY  OF  ALL  POLICY  PROVISIONS
 REQUIRED  IN PARAGRAPHS ONE THROUGH SEVEN OF THIS SUBSECTION, INCLUSIVE,
 IN A SEPARATE DOCUMENT TITLED "INSURER DISCLOSURE  OF  IMPORTANT  POLICY
 PROVISIONS."
   (9) THE INSURER SHALL POST THE "INSURER DISCLOSURE OF IMPORTANT POLICY
 PROVISIONS"  DOCUMENT  REQUIRED  IN  PARAGRAPH  EIGHT OF THIS SUBSECTION
 THROUGH A CLEAR AND CONSPICUOUS LINK ON THE MAIN PAGE OF THE INSURER  OR
 INSURER'S PROGRAM ADMINISTRATOR'S WEBSITE.
   (10)  IN  CONNECTION  WITH THE ISSUANCE OF A NEW PET INSURANCE POLICY,
 THE INSURER SHALL PROVIDE THE CONSUMER  WITH  A  COPY  OF  THE  "INSURER
 DISCLOSURE OF IMPORTANT POLICY PROVISIONS" DOCUMENT REQUIRED PURSUANT TO
 PARAGRAPH EIGHT OF THIS SUBSECTION IN AT LEAST TWELVE-POINT TYPE WHEN IT
 DELIVERS THE POLICY.
   (11)  AT  THE  TIME A PET INSURANCE POLICY IS ISSUED OR DELIVERED TO A
 POLICYHOLDER, THE INSURER SHALL INCLUDE A WRITTEN  DISCLOSURE  WITH  THE
 FOLLOWING INFORMATION, PRINTED IN TWELVE-POINT BOLDFACE TYPE:
   (A)  THE  DEPARTMENT'S MAILING ADDRESS, TOLL-FREE TELEPHONE NUMBER AND
 WEBSITE ADDRESS.
   (B) THE ADDRESS AND CUSTOMER SERVICE TELEPHONE NUMBER OF  THE  INSURER
 OR THE AGENT OR BROKER OF RECORD.
   (C)  IF  THE  POLICY  WAS ISSUED OR DELIVERED BY AN AGENT OR BROKER, A
 STATEMENT ADVISING THE POLICYHOLDER TO CONTACT THE BROKER OR  AGENT  FOR
 ASSISTANCE.
   (12)  THE DISCLOSURES REQUIRED IN THIS SECTION SHALL BE IN ADDITION TO
 ANY OTHER DISCLOSURE REQUIREMENTS REQUIRED BY LAW OR REGULATION.
   (D) (1) AN INSURER MAY ISSUE POLICIES THAT  EXCLUDE  COVERAGE  ON  THE
 BASIS  OF ONE OR MORE PREEXISTING CONDITIONS WITH APPROPRIATE DISCLOSURE
 TO THE CONSUMER. THE INSURER HAS THE BURDEN OF PROVING THAT  THE  PREEX-
 ISTING CONDITION EXCLUSION APPLIES TO THE CONDITION FOR WHICH A CLAIM IS
 BEING MADE.
   (2) (A) AN INSURER MAY ISSUE POLICIES THAT IMPOSE WAITING PERIODS UPON
 EFFECTUATION  OF THE POLICY THAT DO NOT EXCEED THIRTY DAYS FOR ILLNESSES
 OR ORTHOPEDIC CONDITIONS NOT RESULTING FROM AN ACCIDENT. WAITING PERIODS
 FOR ACCIDENTS ARE PROHIBITED.
   (B) A PET INSURER UTILIZING A WAITING PERIOD PERMITTED IN SUBPARAGRAPH
 (A) OF THIS PARAGRAPH SHALL INCLUDE A PROVISION  IN  ITS  CONTRACT  THAT
 ALLOWS  THE  WAITING  PERIODS  TO BE WAIVED UPON COMPLETION OF A MEDICAL
 EXAMINATION. INSURERS MAY REQUIRE THE EXAMINATION TO BE CONDUCTED  BY  A
 LICENSED VETERINARIAN AFTER THE PURCHASE OF THE POLICY.
   (C)  A  MEDICAL  EXAMINATION  UNDER SUBPARAGRAPH (B) OF THIS PARAGRAPH
 SHALL BE PAID FOR BY THE POLICYHOLDER, UNLESS THE POLICY SPECIFIES  THAT
 THE INSURER WILL PAY FOR THE EXAMINATION.
 S. 5324--A                          5
 
   (D)  AN  INSURER  MAY  SPECIFY  ELEMENTS TO BE INCLUDED AS PART OF THE
 EXAMINATION AND REQUIRE DOCUMENTATION THEREOF, PROVIDED  THE  SPECIFICA-
 TIONS  DO  NOT  UNREASONABLY  RESTRICT A CONSUMER'S ABILITY TO WAIVE THE
 WAITING PERIODS PRESCRIBED IN SUBPARAGRAPH (B) OF THIS PARAGRAPH.
   (E) WAITING PERIODS, AND THE REQUIREMENTS APPLICABLE TO THEM, SHALL BE
 CLEARLY  AND  PROMINENTLY  DISCLOSED  TO  CONSUMERS  PRIOR TO THE POLICY
 PURCHASE.
   (3) AN INSURER SHALL NOT  REQUIRE  A  VETERINARY  EXAMINATION  OF  THE
 COVERED PET FOR THE INSURED TO HAVE THEIR POLICY RENEWED.
   (4)  IF  AN  INSURER INCLUDES ANY PRESCRIPTIVE, WELLNESS, OR NON-INSU-
 RANCE BENEFITS IN THE POLICY FORM, THEN IT IS MADE PART  OF  THE  POLICY
 CONTRACT AND SHALL FOLLOW ALL APPLICABLE LAWS AND REGULATIONS UNDER THIS
 CHAPTER.
   (5)  AN INSURED'S ELIGIBILITY TO PURCHASE A PET INSURANCE POLICY SHALL
 NOT BE BASED ON PARTICIPATION, OR LACK OF PARTICIPATION, IN  A  SEPARATE
 WELLNESS PROGRAM.
   (E)  (1)  NO  INSURER  OR  INSURANCE  PRODUCER SHALL MARKET A WELLNESS
 PROGRAM AS PET INSURANCE.
   (2) IF A WELLNESS PROGRAM IS SOLD BY AN INSURER OR INSURANCE PRODUCER:
   (A) THE PURCHASE OF THE WELLNESS PROGRAM SHALL NOT BE A REQUIREMENT TO
 THE PURCHASE OF PET INSURANCE.
   (B) THE COSTS OF THE WELLNESS PROGRAM SHALL BE SEPARATE AND  IDENTIFI-
 ABLE  FROM  ANY  PET  INSURANCE  POLICY  SOLD BY AN INSURER OR INSURANCE
 PRODUCER.
   (C) THE TERMS AND CONDITIONS FOR THE WELLNESS PROGRAM SHALL  BE  SEPA-
 RATE  FROM  ANY  PET  INSURANCE  POLICY  SOLD BY AN INSURER OR INSURANCE
 PRODUCER.
   (D) THE PRODUCTS OR COVERAGES AVAILABLE THROUGH THE  WELLNESS  PROGRAM
 SHALL  NOT  DUPLICATE  PRODUCTS  OR  COVERAGES AVAILABLE THROUGH THE PET
 INSURANCE POLICY.
   (E) THE ADVERTISING OF THE WELLNESS PROGRAM SHALL  NOT  BE  MISLEADING
 AND  SHALL COMPLY WITH THE PROVISIONS OF PARAGRAPH TWO OF SUBSECTION (C)
 OF THIS SECTION.
   (F) AN INSURER  OR  INSURANCE  PRODUCER  SHALL  CLEARLY  DISCLOSE  THE
 FOLLOWING TO CONSUMERS, PRINTED IN TWELVE-POINT BOLDFACE TYPE:
   (I) THAT WELLNESS PROGRAMS ARE NOT INSURANCE.
   (II)  THE  ADDRESS  AND  CUSTOMER  SERVICE TELEPHONE NUMBER OF THE PET
 INSURER OR PRODUCER OR BROKER OF RECORD.
   (III) THE DEPARTMENT'S MAILING ADDRESS,  TOLL-FREE  TELEPHONE  NUMBER,
 AND WEBSITE ADDRESS.
   (3) COVERAGES INCLUDED IN A PET INSURANCE POLICY CONTRACT DESCRIBED AS
 "WELLNESS" BENEFITS ARE INSURANCE.
   (F)  (1) AN INSURANCE PRODUCER SHALL NOT SELL, SOLICIT, OR NEGOTIATE A
 PET INSURANCE PRODUCT UNTIL AFTER THE PRODUCER IS APPROPRIATELY LICENSED
 AND HAS COMPLETED THE REQUIRED TRAINING IDENTIFIED IN PARAGRAPH THREE OF
 THIS SUBSECTION.
   (2) INSURERS SHALL ENSURE THAT ITS PRODUCERS ARE TRAINED  UNDER  PARA-
 GRAPH  THREE  OF THIS SUBSECTION AND THAT ITS PRODUCERS HAVE BEEN APPRO-
 PRIATELY TRAINED ON THE COVERAGES AND CONDITIONS OF  ITS  PET  INSURANCE
 PRODUCTS.
   (3) THE TRAINING REQUIRED UNDER THIS SUBSECTION SHALL INCLUDE INFORMA-
 TION ON THE FOLLOWING TOPICS:
   (A) PREEXISTING CONDITIONS AND WAITING PERIODS;
   (B)  THE  DIFFERENCES  BETWEEN PET INSURANCE AND NONINSURANCE WELLNESS
 PROGRAMS;
 S. 5324--A                          6

   (C) HEREDITARY DISORDERS, CONGENITAL ANOMALIES OR DISORDERS AND CHRON-
 IC CONDITIONS AND HOW PET INSURANCE POLICIES INTERACT WITH THOSE  CONDI-
 TIONS OR DISORDERS; AND
   (D)  RATING,  UNDERWRITING,  RENEWAL  AND OTHER RELATED ADMINISTRATIVE
 TOPICS.
   (4) THE SATISFACTION OF THE TRAINING  REQUIREMENTS  OF  ANOTHER  STATE
 THAT  ARE  SUBSTANTIALLY SIMILAR TO THE PROVISIONS OF PARAGRAPH THREE OF
 THIS SUBSECTION AS DETERMINED BY THE SUPERINTENDENT SHALL BE  DEEMED  TO
 SATISFY THE TRAINING REQUIREMENTS OF THIS SUBSECTION.
   (G)  THE  SUPERINTENDENT  SHALL  PROMULGATE  ANY RULES AND REGULATIONS
 NECESSARY FOR THE IMPLEMENTATION OF THIS SECTION.
   (H) ALL OTHER APPLICABLE PROVISIONS OF THIS CHAPTER SHALL CONTINUE  TO
 APPLY  TO  PET  INSURANCE  EXCEPT  THAT  THE SPECIFIC PROVISIONS OF THIS
 SECTION SHALL SUPERSEDE ANY GENERAL PROVISION OF LAW THAT  WOULD  OTHER-
 WISE BE APPLICABLE TO PET INSURANCE.
   § 3. This act shall take effect on the one hundred eightieth day after
 it shall have become a law and shall apply to all policies entered into,
 renewed,  modified or amended on or after such effective date. Effective
 immediately, the addition, amendment and/or repeal of any rule or  regu-
 lation  necessary  for  the  implementation of this act on its effective
 date are authorized to be made and completed on or before such effective
 date.