Illinois 2025-2026 Regular Session

Illinois House Bill HB3595 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3595 Introduced , by Rep. Joyce Mason SYNOPSIS AS INTRODUCED: 215 ILCS 5/Art. XLVIII heading new215 ILCS 5/1800 new215 ILCS 5/1805 new215 ILCS 5/1810 new215 ILCS 5/1815 new215 ILCS 5/1820 new215 ILCS 5/1825 new Amends the Illinois Insurance Code. Creates the Pet Insurance Article of the Code. Defines terms. Requires a pet insurer to disclose coverage exclusions, limitations, waiting periods, and other information. Provides that pet insurance applicants shall have the right to examine and return the policy, certificate, or rider to the company or an agent or insurance producer of the company within 30 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. Provides that a pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. Provides that a pet insurer may issue policies that impose waiting periods upon effectuation of the policy that do not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. Prohibits waiting periods for accidents. Provides that no pet insurer or insurance producer shall market a wellness program as pet insurance. Sets forth provisions concerning wellness programs sold by a pet insurer or insurance producer. LRB104 08153 BAB 18201 b A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3595 Introduced , by Rep. Joyce Mason SYNOPSIS AS INTRODUCED: 215 ILCS 5/Art. XLVIII heading new215 ILCS 5/1800 new215 ILCS 5/1805 new215 ILCS 5/1810 new215 ILCS 5/1815 new215 ILCS 5/1820 new215 ILCS 5/1825 new 215 ILCS 5/Art. XLVIII heading new 215 ILCS 5/1800 new 215 ILCS 5/1805 new 215 ILCS 5/1810 new 215 ILCS 5/1815 new 215 ILCS 5/1820 new 215 ILCS 5/1825 new Amends the Illinois Insurance Code. Creates the Pet Insurance Article of the Code. Defines terms. Requires a pet insurer to disclose coverage exclusions, limitations, waiting periods, and other information. Provides that pet insurance applicants shall have the right to examine and return the policy, certificate, or rider to the company or an agent or insurance producer of the company within 30 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. Provides that a pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. Provides that a pet insurer may issue policies that impose waiting periods upon effectuation of the policy that do not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. Prohibits waiting periods for accidents. Provides that no pet insurer or insurance producer shall market a wellness program as pet insurance. Sets forth provisions concerning wellness programs sold by a pet insurer or insurance producer. LRB104 08153 BAB 18201 b LRB104 08153 BAB 18201 b A BILL FOR
2	2	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3595 Introduced , by Rep. Joyce Mason SYNOPSIS AS INTRODUCED:
3	3	215 ILCS 5/Art. XLVIII heading new215 ILCS 5/1800 new215 ILCS 5/1805 new215 ILCS 5/1810 new215 ILCS 5/1815 new215 ILCS 5/1820 new215 ILCS 5/1825 new 215 ILCS 5/Art. XLVIII heading new 215 ILCS 5/1800 new 215 ILCS 5/1805 new 215 ILCS 5/1810 new 215 ILCS 5/1815 new 215 ILCS 5/1820 new 215 ILCS 5/1825 new
4	4	215 ILCS 5/Art. XLVIII heading new
5	5	215 ILCS 5/1800 new
6	6	215 ILCS 5/1805 new
7	7	215 ILCS 5/1810 new
8	8	215 ILCS 5/1815 new
9	9	215 ILCS 5/1820 new
10	10	215 ILCS 5/1825 new
11	11	Amends the Illinois Insurance Code. Creates the Pet Insurance Article of the Code. Defines terms. Requires a pet insurer to disclose coverage exclusions, limitations, waiting periods, and other information. Provides that pet insurance applicants shall have the right to examine and return the policy, certificate, or rider to the company or an agent or insurance producer of the company within 30 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. Provides that a pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. Provides that a pet insurer may issue policies that impose waiting periods upon effectuation of the policy that do not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. Prohibits waiting periods for accidents. Provides that no pet insurer or insurance producer shall market a wellness program as pet insurance. Sets forth provisions concerning wellness programs sold by a pet insurer or insurance producer.
12	12	LRB104 08153 BAB 18201 b LRB104 08153 BAB 18201 b
13	13	LRB104 08153 BAB 18201 b
14	14	A BILL FOR
15	15	HB3595LRB104 08153 BAB 18201 b HB3595 LRB104 08153 BAB 18201 b
16	16	HB3595 LRB104 08153 BAB 18201 b
17	17	1 AN ACT concerning regulation.
18	18	2 Be it enacted by the People of the State of Illinois,
19	19	3 represented in the General Assembly:
20	20	4 Section 5. The Illinois Insurance Code is amended by
21	21	5 adding Article XLVIII as follows:
22	22	6 (215 ILCS 5/Art. XLVIII heading new)
23	23	7 ARTICLE XLVIII. PET INSURANCE
24	24	8 (215 ILCS 5/1800 new)
25	25	9 Sec. 1800. Purpose and scope.
26	26	10 (a) The purpose of this Article is to promote the public
27	27	11 welfare by creating a comprehensive legal framework within
28	28	12 which pet insurance may be sold in this State.
29	29	13 (b) The requirements of this Article shall apply to pet
30	30	14 insurance policies that are issued to any resident of this
31	31	15 State; pet insurance policies that are sold, solicited,
32	32	16 negotiated, or offered in this State; and pet insurance
33	33	17 policies or certificates that are delivered or issued for
34	34	18 delivery in this State.
35	35	19 (c) All other applicable provisions of this State's
36	36	20 insurance laws shall continue to apply to pet insurance,
37	37	21 except that the specific provisions of this Article shall
38	38	22 supersede any general provisions of law that would otherwise
39	39
40	40
41	41
42	42	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB3595 Introduced , by Rep. Joyce Mason SYNOPSIS AS INTRODUCED:
43	43	215 ILCS 5/Art. XLVIII heading new215 ILCS 5/1800 new215 ILCS 5/1805 new215 ILCS 5/1810 new215 ILCS 5/1815 new215 ILCS 5/1820 new215 ILCS 5/1825 new 215 ILCS 5/Art. XLVIII heading new 215 ILCS 5/1800 new 215 ILCS 5/1805 new 215 ILCS 5/1810 new 215 ILCS 5/1815 new 215 ILCS 5/1820 new 215 ILCS 5/1825 new
44	44	215 ILCS 5/Art. XLVIII heading new
45	45	215 ILCS 5/1800 new
46	46	215 ILCS 5/1805 new
47	47	215 ILCS 5/1810 new
48	48	215 ILCS 5/1815 new
49	49	215 ILCS 5/1820 new
50	50	215 ILCS 5/1825 new
51	51	Amends the Illinois Insurance Code. Creates the Pet Insurance Article of the Code. Defines terms. Requires a pet insurer to disclose coverage exclusions, limitations, waiting periods, and other information. Provides that pet insurance applicants shall have the right to examine and return the policy, certificate, or rider to the company or an agent or insurance producer of the company within 30 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. Provides that a pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. Provides that a pet insurer may issue policies that impose waiting periods upon effectuation of the policy that do not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. Prohibits waiting periods for accidents. Provides that no pet insurer or insurance producer shall market a wellness program as pet insurance. Sets forth provisions concerning wellness programs sold by a pet insurer or insurance producer.
52	52	LRB104 08153 BAB 18201 b LRB104 08153 BAB 18201 b
53	53	LRB104 08153 BAB 18201 b
54	54	A BILL FOR
55	55
56	56
57	57
58	58
59	59
60	60	215 ILCS 5/Art. XLVIII heading new
61	61	215 ILCS 5/1800 new
62	62	215 ILCS 5/1805 new
63	63	215 ILCS 5/1810 new
64	64	215 ILCS 5/1815 new
65	65	215 ILCS 5/1820 new
66	66	215 ILCS 5/1825 new
67	67
68	68
69	69
70	70	LRB104 08153 BAB 18201 b
71	71
72	72
73	73
74	74
75	75
76	76
77	77
78	78
79	79
80	80	HB3595 LRB104 08153 BAB 18201 b
81	81
82	82
83	83	HB3595- 2 -LRB104 08153 BAB 18201 b HB3595 - 2 - LRB104 08153 BAB 18201 b
84	84	HB3595 - 2 - LRB104 08153 BAB 18201 b
85	85	1 be applicable to pet insurance.
86	86	2 (d) Nothing in this Article shall in any way prohibit or
87	87	3 limit the types of exclusions pet insurers may use in their
88	88	4 policies or require pet insurers to have any of the
89	89	5 limitations or exclusions described in this Article.
90	90	6 (e) Any person licensed in a major line of authority as an
91	91	7 insurance producer is authorized to sell, solicit, and
92	92	8 negotiate pet insurance.
93	93	9 (215 ILCS 5/1805 new)
94	94	10 Sec. 1805. Definitions. In this Article:
95	95	11 "Chronic condition" means a condition that can be treated
96	96	12 or managed, but not cured.
97	97	13 "Congenital anomaly or disorder" means a condition that is
98	98	14 present from birth, whether inherited or caused by the
99	99	15 environment, that may cause or contribute to illness or
100	100	16 disease.
101	101	17 "Department" means the Department of Insurance.
102	102	18 "Hereditary disorder" means an abnormality that is
103	103	19 genetically transmitted from parent to offspring and may cause
104	104	20 illness or disease.
105	105	21 "Pet insurance" means a property insurance policy that
106	106	22 provides coverage for accidents and illnesses of pets.
107	107	23 "Preexisting condition" means any condition for which any
108	108	24 of the following are true prior to the effective date of a pet
109	109	25 insurance policy or during any waiting period:
110	110
111	111
112	112
113	113
114	114
115	115	HB3595 - 2 - LRB104 08153 BAB 18201 b
116	116
117	117
118	118	HB3595- 3 -LRB104 08153 BAB 18201 b HB3595 - 3 - LRB104 08153 BAB 18201 b
119	119	HB3595 - 3 - LRB104 08153 BAB 18201 b
120	120	1 (1) a veterinarian provided medical advice;
121	121	2 (2) the pet received previous treatment; or
122	122	3 (3) based on information from verifiable sources, the
123	123	4 pet had signs or symptoms directly related to the
124	124	5 condition for which a claim is being made.
125	125	6 "Preexisting condition" does not include a condition that
126	126	7 was covered under a preceding policy period prior to the
127	127	8 renewal so long as there was no break in the superseding policy
128	128	9 periods.
129	129	10 "Renewal" means to issue and deliver at the end of an
130	130	11 insurance policy period a policy that supersedes a policy
131	131	12 previously issued and delivered by the same pet insurer or
132	132	13 affiliated pet insurer and that provides types and limits of
133	133	14 coverage substantially similar to those contained in the
134	134	15 policy being superseded.
135	135	16 "Orthopedic conditions" refers to conditions affecting the
136	136	17 bones, skeletal muscle, cartilage, tendons, ligaments, and
137	137	18 joints. "Orthopedic conditions" include, but are not limited
138	138	19 to, elbow dysplasia, hip dysplasia, intervertebral disc
139	139	20 degeneration, patellar luxation, and ruptured cranial cruciate
140	140	21 ligaments. "Orthopedic conditions" do not include cancers or
141	141	22 metabolic, hemopoietic, or autoimmune diseases.
142	142	23 "Veterinarian" means an individual who holds a valid
143	143	24 license to practice veterinary medicine from the appropriate
144	144	25 licensing entity in the jurisdiction in which the individual
145	145	26 practices.
146	146
147	147
148	148
149	149
150	150
151	151	HB3595 - 3 - LRB104 08153 BAB 18201 b
152	152
153	153
154	154	HB3595- 4 -LRB104 08153 BAB 18201 b HB3595 - 4 - LRB104 08153 BAB 18201 b
155	155	HB3595 - 4 - LRB104 08153 BAB 18201 b
156	156	1 "Veterinary expenses" means the costs associated with
157	157	2 medical advice, diagnosis, care, or treatment provided by a
158	158	3 veterinarian, including, but not limited to, the cost of drugs
159	159	4 prescribed by a veterinarian.
160	160	5 "Waiting period" means the period of time specified in a
161	161	6 pet insurance policy that is required to transpire before some
162	162	7 or all of the coverage in the policy can begin.
163	163	8 "Wellness program" means a subscription or
164	164	9 reimbursement-based program that is separate from an insurance
165	165	10 policy that provides goods and services to promote the general
166	166	11 health, safety, or well-being of the pet.
167	167	12 (215 ILCS 5/1810 new)
168	168	13 Sec. 1810. Applicability of defined terms. If a pet
169	169	14 insurer uses any of the defined terms in Section 1805 in a
170	170	15 policy of pet insurance, the pet insurer shall use the
171	171	16 definition of each of those terms as set forth in Section 1805
172	172	17 and include the definition of the terms in the policy. The pet
173	173	18 insurer shall also make the definition available through a
174	174	19 clear and conspicuous link on the main page of the pet
175	175	20 insurer's website or the pet insurer's program administrator's
176	176	21 website.
177	177	22 (215 ILCS 5/1815 new)
178	178	23 Sec. 1815. Disclosures.
179	179	24 (a) A pet insurer transacting pet insurance shall disclose
180	180
181	181
182	182
183	183
184	184
185	185	HB3595 - 4 - LRB104 08153 BAB 18201 b
186	186
187	187
188	188	HB3595- 5 -LRB104 08153 BAB 18201 b HB3595 - 5 - LRB104 08153 BAB 18201 b
189	189	HB3595 - 5 - LRB104 08153 BAB 18201 b
190	190	1 the following to consumers:
191	191	2 (1) If the policy excludes coverage due to any of the
192	192	3 following:
193	193	4 (A) a preexisting condition;
194	194	5 (B) a hereditary disorder;
195	195	6 (C) a congenital anomaly or disorder; or
196	196	7 (D) a chronic condition.
197	197	8 (2) If the policy includes any other exclusions, by
198	198	9 including the following statement: "Other exclusions may
199	199	10 apply. Please refer to the exclusions section of the
200	200	11 policy for more information.".
201	201	12 (3) Any policy provision that limits coverage through
202	202	13 a waiting or affiliation period, a deductible,
203	203	14 coinsurance, or an annual or lifetime policy limit.
204	204	15 (4) Whether the pet insurer reduces coverage or
205	205	16 increases premiums based on the insured's claim history,
206	206	17 the age of the covered pet, or a change in the geographic
207	207	18 location of the insured.
208	208	19 (5) If the underwriting company differs from the brand
209	209	20 name used to market and sell the product.
210	210	21 (b) Unless the insured has filed a claim under the pet
211	211	22 insurance policy, pet insurance applicants shall have the
212	212	23 right to examine and return the policy, certificate, or rider
213	213	24 to the company or an agent or insurance producer of the company
214	214	25 within 30 days of its receipt and to have the premium refunded
215	215	26 if, after examination of the policy, certificate, or rider,
216	216
217	217
218	218
219	219
220	220
221	221	HB3595 - 5 - LRB104 08153 BAB 18201 b
222	222
223	223
224	224	HB3595- 6 -LRB104 08153 BAB 18201 b HB3595 - 6 - LRB104 08153 BAB 18201 b
225	225	HB3595 - 6 - LRB104 08153 BAB 18201 b
226	226	1 the applicant is not satisfied for any reason.
227	227	2 Pet insurance policies, certificates, and riders shall
228	228	3 have a notice prominently printed on the first page, or
229	229	4 attached thereto, including specific instructions to
230	230	5 accomplish a return. The following statement or language
231	231	6 substantially similar shall be included:
232	232	7 "You have 30 days from the day you receive this policy,
233	233	8 certificate, or rider to review it and return it to the company
234	234	9 if you decide not to keep it. You do not have to tell the
235	235	10 company why you are returning it. If you decide not to keep it,
236	236	11 simply return it to the company at its administrative office
237	237	12 or you may return it to the agent/insurance producer that you
238	238	13 bought it from as long as you have not filed a claim. You must
239	239	14 return it within 30 days of the day you first received it. The
240	240	15 company will refund the full amount of any premium paid within
241	241	16 30 days after it receives the returned policy, certificate, or
242	242	17 rider. The premium refund will be sent directly to the person
243	243	18 who paid it. The policy, certificate, or rider will be void as
244	244	19 if it had never been issued."
245	245	20 This subsection (b) does not apply to renewals.
246	246	21 (c) A pet insurer shall clearly disclose a summary
247	247	22 description of the basis or formula on which the pet insurer
248	248	23 determines claim payments under a pet insurance policy within
249	249	24 the policy, both prior to policy issuance and through a clear
250	250	25 and conspicuous link on the main page of the pet insurer's
251	251	26 website or the pet insurer's program administrator's website.
252	252
253	253
254	254
255	255
256	256
257	257	HB3595 - 6 - LRB104 08153 BAB 18201 b
258	258
259	259
260	260	HB3595- 7 -LRB104 08153 BAB 18201 b HB3595 - 7 - LRB104 08153 BAB 18201 b
261	261	HB3595 - 7 - LRB104 08153 BAB 18201 b
262	262	1 (d) A pet insurer that uses a benefit schedule to
263	263	2 determine claim payment under a pet insurance policy shall:
264	264	3 (1) clearly disclose the applicable benefit schedule
265	265	4 in the policy; and
266	266	5 (2) disclose all benefit schedules used by the pet
267	267	6 insurer under its pet insurance policies through a clear
268	268	7 and conspicuous link on the main page of the pet insurer's
269	269	8 website or the pet insurer's program administrator's
270	270	9 website.
271	271	10 (e) A pet insurer that determines claim payments under a
272	272	11 pet insurance policy based on usual and customary fees or any
273	273	12 other reimbursement limitation based on prevailing veterinary
274	274	13 service provider charges shall:
275	275	14 (1) include a usual and customary fee limitation
276	276	15 provision in the policy that clearly describes the pet
277	277	16 insurer's basis for determining usual and customary fees
278	278	17 and how that basis is applied in calculating claim
279	279	18 payments; and
280	280	19 (2) disclose the pet insurer's basis for determining
281	281	20 usual and customary fees through a clear and conspicuous
282	282	21 link on the main page of the pet insurer's website or the
283	283	22 pet insurer's program administrator's website.
284	284	23 (f) If any medical examination by a licensed veterinarian
285	285	24 is required to effectuate coverage, the pet insurer shall
286	286	25 clearly and conspicuously disclose the required aspects of the
287	287	26 examination prior to purchase and disclose that examination
288	288
289	289
290	290
291	291
292	292
293	293	HB3595 - 7 - LRB104 08153 BAB 18201 b
294	294
295	295
296	296	HB3595- 8 -LRB104 08153 BAB 18201 b HB3595 - 8 - LRB104 08153 BAB 18201 b
297	297	HB3595 - 8 - LRB104 08153 BAB 18201 b
298	298	1 documentation may result in a preexisting condition exclusion.
299	299	2 (g) Waiting periods and the requirements applicable to the
300	300	3 waiting periods shall be clearly and prominently disclosed to
301	301	4 consumers prior to the policy purchase.
302	302	5 (h) The pet insurer shall include a summary of all
303	303	6 disclosures required by this Section in a separate document
304	304	7 titled "Insurer Disclosure of Important Policy Provisions".
305	305	8 The pet insurer shall post the document by way of a clear and
306	306	9 conspicuous link on the main page of the pet insurer's website
307	307	10 or the pet insurer's program administrator's website.
308	308	11 In connection with the issuance of a new pet insurance
309	309	12 policy, the pet insurer shall provide the consumer with a copy
310	310	13 of the Insurer Disclosure of Important Policy Provisions
311	311	14 document required under this subsection (h) in at least
312	312	15 12-point type when it delivers the policy.
313	313	16 (i) At the time a pet insurance policy is issued or
314	314	17 delivered to a policyholder, the pet insurer shall include a
315	315	18 written disclosure with the following information, printed in
316	316	19 12-point boldface type:
317	317	20 (1) The Department's mailing address, toll-free
318	318	21 telephone number, and website address.
319	319	22 (2) The address and customer service telephone number
320	320	23 of the pet insurer or the agent or broker of record.
321	321	24 (3) If the policy was issued or delivered by an agent
322	322	25 or broker, a statement advising the policyholder to
323	323	26 contact the broker or agent for assistance.
324	324
325	325
326	326
327	327
328	328
329	329	HB3595 - 8 - LRB104 08153 BAB 18201 b
330	330
331	331
332	332	HB3595- 9 -LRB104 08153 BAB 18201 b HB3595 - 9 - LRB104 08153 BAB 18201 b
333	333	HB3595 - 9 - LRB104 08153 BAB 18201 b
334	334	1 (j) The disclosures required in this Section shall be in
335	335	2 addition to any other disclosure requirements required by law
336	336	3 or rule.
337	337	4 (215 ILCS 5/1820 new)
338	338	5 Sec. 1820. Policy conditions.
339	339	6 (a) A pet insurer may issue policies that exclude coverage
340	340	7 on the basis of one or more preexisting conditions with
341	341	8 appropriate disclosure to the consumer. The pet insurer has
342	342	9 the burden of proving that the preexisting condition exclusion
343	343	10 applies to the condition for which a claim is being made.
344	344	11 (b) A pet insurer may issue policies that impose waiting
345	345	12 periods upon effectuation of the policy that do not exceed 30
346	346	13 days for illnesses or orthopedic conditions not resulting from
347	347	14 an accident. Waiting periods may not be applied to renewals of
348	348	15 existing coverage. Waiting periods for accidents are
349	349	16 prohibited.
350	350	17 (1) A pet insurer using a waiting period shall include
351	351	18 a provision in its contract that allows the waiting
352	352	19 periods to be waived upon completion of a medical
353	353	20 examination. Pet insurers may require the examination to
354	354	21 be conducted by a licensed veterinarian after the purchase
355	355	22 of the policy.
356	356	23 (A) A medical examination shall be paid for by the
357	357	24 policyholder, unless the policy specifies that the pet
358	358	25 insurer will pay for the examination.
359	359
360	360
361	361
362	362
363	363
364	364	HB3595 - 9 - LRB104 08153 BAB 18201 b
365	365
366	366
367	367	HB3595- 10 -LRB104 08153 BAB 18201 b HB3595 - 10 - LRB104 08153 BAB 18201 b
368	368	HB3595 - 10 - LRB104 08153 BAB 18201 b
369	369	1 (B) A pet insurer may specify elements to be
370	370	2 included as part of the examination and require
371	371	3 documentation thereof, provided the specifications do
372	372	4 not unreasonably restrict a consumer's ability to
373	373	5 waive the waiting periods by completing a medical
374	374	6 examination.
375	375	7 (2) Waiting periods and the requirements applicable to
376	376	8 them shall be clearly and prominently disclosed to
377	377	9 consumers prior to the policy purchase.
378	378	10 (c) A pet insurer shall not require a veterinary
379	379	11 examination of the covered pet for the insured to have the
380	380	12 policy renewed.
381	381	13 (d) If a pet insurer includes any prescriptive, wellness,
382	382	14 or noninsurance benefits in the policy form, then such
383	383	15 benefits are made part of the policy contract and shall follow
384	384	16 all applicable laws and rules adopted under this Code.
385	385	17 (e) An insured's eligibility to purchase a pet insurance
386	386	18 policy shall not be based on participation or lack of
387	387	19 participation in a separate wellness program.
388	388	20 (215 ILCS 5/1825 new)
389	389	21 Sec. 1825. Sales practices for wellness programs.
390	390	22 (a) No pet insurer or insurance producer shall market a
391	391	23 wellness program as pet insurance.
392	392	24 (b) If a wellness program is sold by a pet insurer or
393	393	25 insurance producer:
394	394
395	395
396	396
397	397
398	398
399	399	HB3595 - 10 - LRB104 08153 BAB 18201 b
400	400
401	401
402	402	HB3595- 11 -LRB104 08153 BAB 18201 b HB3595 - 11 - LRB104 08153 BAB 18201 b
403	403	HB3595 - 11 - LRB104 08153 BAB 18201 b
404	404
405	405
406	406
407	407
408	408
409	409	HB3595 - 11 - LRB104 08153 BAB 18201 b