CA SB1217

Requires pet insurers to disclose whether they reduce coverage or increase premiums based on pet age, geographic location changes, claim history, medical examination requirements, and waiting periods.

Permits pet insurers to exclude preexisting conditions and impose waiting periods up to 30 days for illnesses and orthopedic conditions (but not accidents), with option to waive waiting periods upon veterinary examination.

Mandates pet insurance coverage become effective no later than 12:01 a.m. on the second day after receiving complete application and valid payment, except for individualized underwriting or employer/organization eligibility requirements.

Prohibits marketing wellness programs as pet insurance and requires clear separation of wellness program terms, costs, payments, and marketing from pet insurance policies; allows wellness programs only if pet owner participation is not required for insurance purchase.

Defines new terms including "orthopedic," "producer," "renewal," and "wellness program," and requires insurers to provide consumers with a summary document titled "Insurer Disclosure of Important Policy Provisions."