MA H1186

Establishes a comprehensive regulatory framework for pet insurance sold in Massachusetts, defining key terms including preexisting conditions, waiting periods, chronic conditions, hereditary disorders, and wellness programs

Requires pet insurers to provide extensive disclosures to consumers about coverage exclusions, limitations, claim payment methods, waiting periods, and a 30-day free look period to examine and return policies for a full refund

Limits waiting periods to a maximum of 30 days for illnesses or orthopedic conditions, prohibits waiting periods for accidents, and requires insurers to offer a medical examination option to waive waiting periods

Separates wellness programs from pet insurance by prohibiting marketing wellness programs as insurance, requiring separate pricing and terms, and mandating clear disclosure that wellness programs are not insurance

Requires insurance producers to complete training on pet insurance topics including preexisting conditions, waiting periods, hereditary disorders, and underwriting before selling pet insurance products; takes effect 180 days after enactment