FL S1226

Classifies pet insurance as a form of property insurance under Florida law and creates the "Pet Insurance Act" (s. 627.71545, F.S.) establishing a comprehensive regulatory framework for pet insurance sold in the state, effective January 1, 2026

Requires pet insurers to disclose to applicants and policyholders whether policies exclude coverage for preexisting conditions, chronic conditions, congenital anomalies, or hereditary disorders, as well as any waiting periods, deductibles, coinsurance, or coverage limits

Grants policyholders a 30-day free-look period to examine and return a pet insurance policy or rider for a full premium refund, provided no claim has been filed

Limits waiting periods on new policies to no more than 30 days for illnesses, diseases, or non-accident orthopedic conditions, prohibits waiting periods for accidents, and requires insurers to allow waiver of waiting periods upon completion of a veterinary examination

Prohibits pet insurance agents from marketing wellness programs as pet insurance, requires wellness program costs and terms to be separate and identifiable from pet insurance policies, and bars insurers from conditioning pet insurance eligibility on participation in a wellness program