WES MOORE, Governor Ch. 740
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Chapter 740
(House Bill 647)
AN ACT concerning
Property and Casualty Insurance – Pet Insurance – Regulation
FOR the purpose of establishing requirements and prohibitions for pet insurance policies
that are issued to a resident of the State, or are sold, solicited, negotiated, or offered
in the State, including disclosure requirements and requirements and prohibitions
related to wellness programs; requiring the Maryland Insurance Administration to
develop informational material about pet insurance policies that may be
disseminated to and posted by veterinary practitioners; and generally relating to pet
insurance.
BY repealing and reenacting, without amendments,
Article – Agriculture
Section 2–301(a) and (i)
Annotated Code of Maryland
(2016 Replacement Volume and 2023 Supplement)
BY adding to
Article – Insurance
Section 19–1101 through 19–1109 19–1107 to be under the new subtitle “Subtitle 11.
Pet Insurance”
Annotated Code of Maryland
(2017 Replacement Volume and 2023 Supplement)
SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF MARYLAND,
That the Laws of Maryland read as follows:
Article – Agriculture
2–301.
(a) In this subtitle the following words have the meanings indicated.
(i) “Veterinary practitioner” means a licensed and registered veterinarian
engaged in the practice of veterinary medicine.
Article – Insurance
SUBTITLE 11. PET INSURANCE.
19–1101. Ch. 740 2024 LAWS OF MARYLAND
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(A) IN THIS SUBTITLE THE FOLLOWING WORDS HAVE THE MEANINGS
INDICATED.
(B) “CHRONIC CONDITION ” MEANS A CONDITION TH AT CAN BE TREATED OR
MANAGED, BUT NOT CURED .
(C) “CONGENITAL ANOMALY OR DISORDER” MEANS A CONDITION TH AT IS
PRESENT FROM BIRTH , WHETHER INHERITED OR CAUSED BY THE ENVIRO NMENT,
THAT MAY CAU SE OR CONTRIBUTE TO ILLNESS OR DISEASE .
(D) “HEREDITARY DISORDER ” MEANS AN ABNORMALITY THAT IS
GENETICALLY TRANSMIT TED FROM PARENT TO O FFSPRING AND MAY CAU SE
ILLNESS OR DISEASE .
(E) (1) “ORTHOPEDIC CONDITION ” MEANS A CONDITION AF FECTING THE
BONES, SKELETAL MUSCLE, CARTILAGE, TENDONS, LIGAMENTS, OR JOINTS.
(2) “ORTHOPEDIC CONDITION ” INCLUDES ELBOW DYSPL ASIA, HIP
DYSPLASIA, INTERVERTEBRAL DISC DEGENERATION , PATELLAR LUXATION , AND
RUPTURED CRANIAL CRU CIATE LIGAMENTS .
(3) “ORTHOPEDIC CONDITION ” DOES NOT INCLUDE:
(I) CANCER; OR
(II) A METABOLIC, HEMOPOIETIC , OR AUTOIMMUNE DISEAS E.
(F) (1) “PET INSURANCE POLICY ” MEANS A PROPERTY INS URANCE
POLICY THAT IS SOLD BY A PET INSURER OR PET INSURANCE PRODUC ER THAT
PROVIDES COVERAGE FO R ACCIDENTS AND ILLNESSES OF PETS .
(2) “PET INSURANCE POLICY ” INCLUDES A CERTIFICA TE OR ADD–ON
COVERAGE.
(G) (1) “PREEXISTING CONDITION ” MEANS A CONDITION FO R WHICH ANY
OF THE FOLLOWING ARE TRUE BEFORE THE EFFE CTIVE DATE OF A PET INSURANCE
POLICY OR DURING ANY WAITING PERIOD:
(I) A VETERINARY PRACTIT IONER PROVIDED MEDIC AL ADVICE;
(II) THE PET RECEIVED TRE ATMENT; OR
WES MOORE, Governor Ch. 740
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(III) BASED ON INFORMATION FROM VERIFIABLE SOUR CES, THE
PET HAD SIGNS OR SYM PTOMS DIRECTLY RELAT ED TO THE CONDITION FOR WHICH
A CLAIM IS BEING MADE.
(2) “PREEXISTING CONDITION ” DOES NOT INCLUDE , FOR A RENEWAL
OF A PET INSURANCE P OLICY, A CONDITION FOR WHIC H COVERAGE WAS AFFOR DED
ON THE PREVIOUS POLI CY.
(H) “RENEWAL” MEANS THE ISSUANCE A ND DELIVERY AT THE E ND OF A PET
INSURANCE POLICY PER IOD OF A POLICY THAT:
(1) SUPERSEDES THE POLIC Y PREVIOUSLY ISSUED AND DELIVERED
BY THE SAME PET INSU RER OR AFFILIATED PE T INSURER; AND
(2) PROVIDES TYPES AND L IMITS OF COVERAGE SU BSTANTIALLY
SIMILAR TO THOSE CON TAINED IN THE PRIOR POLICY.
(I) (1) “VETERINARY EXPENSES ” MEANS THE COSTS ASSO CIATED WITH
MEDICAL ADVICE , DIAGNOSIS, CARE, OR TREATMENT PROVIDE D BY A VETERINARY
PRACTITIONER .
(2) “VETERINARY EXPENSES ” INCLUDES THE COST OF DRUGS
PRESCRIBED BY A VETE RINARY PRACTITIONER .
(J) “VETERINARY PRACTIT IONER” HAS THE MEANING STAT ED IN § 2–301
OF THE AGRICULTURE ARTICLE.
(K) “WAITING PERIOD” MEANS THE PERIOD OF TIME SPECIFIED IN A NEW
PET INSURANCE POLICY THAT MUST ELAPSE BEF ORE SOME OR ALL OF T HE
COVERAGE IN THE POLI CY BEGINS.
(L) “WELLNESS PROGRAM ” MEANS A SUBSCRIPTION – OR
REIMBURSEMENT –BASED PROGRAM THAT :
(1) IS SEPARATE FROM A P ET INSURANCE POLICY ; AND
(2) PROVIDES GOODS AND S ERVICES TO PROMOTE T HE GENERAL
HEALTH, SAFETY, OR WELL–BEING OF THE PET .
19–1102.
IT IS THE INTENT OF T HE GENERAL ASSEMBLY TO PROMOTE T HE PUBLIC
WELFARE BY CREATING A COMPREHENSIVE LEGA L FRAMEWORK WITHIN W HICH PET
INSURANCE MAY BE SOL D IN THE STATE. Ch. 740 2024 LAWS OF MARYLAND
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19–1103.
(A) THIS SUBTITLE APPLIES ONLY TO PET INSURANC E POLICIES OR
CERTIFICATES THAT AR E:
(1) ISSUED TO A RESID ENT OF THE STATE; OR
(2) SOLD, SOLICITED, NEGOTIATED , OR OFFERED IN THE STATE.
(B) ALL OTHER APPLICABLE PROVISIONS OF THIS A RTICLE APPLY TO PET
INSURANCE, EXCEPT THAT SPECIFIC PROVISIONS OF THIS S UBTITLE SUPERSEDE
ANY GENERAL PROVISIO NS OF THIS ARTICL E.
19–1104.
(A) A PET INSURER TRANSACT ING PET INSURANCE SH ALL DISCLOSE THE
FOLLOWING TO CONSUME RS:
(1) ALL POLICY EXCLUSION S, INCLUDING EXCLUSIONS OF COVERAGE
DUE TO:
(I) A PREEXISTING CONDIT ION;
(II) A HEREDITARY DISORDE R;
(III) A CONGENITAL ANOMALY OR DIS ORDER; OR
(IV) A CHRONIC CONDITION ;
(2) ANY POLICY PROVISION THAT LIMITS COVERAGE THROUGH A
WAITING PERIOD , A DEDUCTIBLE , COINSURANCE , OR AN ANNUAL OR LIFE TIME
POLICY LIMIT;
(3) WHETHER THE PET INSU RER REDUCES COVERAGE OR INCREASES
PREMIUMS BASED ON TH E INSURED’S CLAIM HISTORY , THE AGE OF THE COVER ED
PET, OR A CHANGE IN THE G EOGRAPHIC LOCATION O F THE INSURED; AND
(4) THE IDENTITY OF THE UNDERWRITING COMPANY IF THE
COMPANY DIFFERS FROM THE BRAND NAME USED TO MARKET AND SE LL THE PET
INSURANCE POLICY .
(B) (1) A NOTICE SHALL BE PROM INENTLY PRINTED ON O R ATTACHED TO
THE FACE OF THE PET INSURANCE POLICY THA T STATES THAT: WES MOORE, Governor Ch. 740
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(I) THE POLICY MAY BE SU RRENDERED TO THE INS URER FOR
CANCELLATION WITHIN 10 DAYS AFTER THE DATE THE POLICY IS DELIVERED TO
THE INSURED; AND
(II) IF A POLICY IS CANCE LED DURING THE 10–DAY PERIOD, A
PRO RATA PREMIUM FOR THE UNEXPIRED TERM O F THE POLICY SHALL B E
RETURNED TO THE INSU RED.
(2) AN INSURED IS NOT ENT ITLED TO A PRO RATA PREMIUM IN
ACCORDANCE WITH PARAGRAPH (1)(II) OF THIS SUBSECTION I F THE INSURED HAS
MADE A CLAIM UNDER T HE PET INSURANCE POL ICY.
(C) A PET INSURER SHALL CL EARLY DISCLOSE A SUM MARY DESCRIPTION
OF THE BASIS OR FORM ULA ON WHICH THE PET INSURER DETERMINES C LAIM
PAYMENTS UNDER A P ET INSURANCE POLICY :
(1) WITHIN THE POLICY ;
(2) BEFORE ISSUING THE P OLICY; AND
(3) THROUGH A CLEAR AND CONSPICUOUS LINK ON THE MAIN PAGE
OF THE WEBSITE OF TH E PET INSURER OR PET INSURER’S PROGRAM
ADMINISTRATOR .
(D) IF A PET INSURER USES A BENEFIT SCHEDULE TO DETERM INE CLAIM
PAYMENT UNDER A PET INSURANCE POLICY , THE PET INSURER SHAL L:
(1) CLEARLY DISCLOSE THE APPLICABLE BENEFIT S CHEDULE IN THE
POLICY; AND
(2) DISCLOSE ALL BENEFIT SCHEDULES USED BY TH E PET INSURER
UNDER ITS PET INSURA NCE POLICIES THROUGH A C LEAR AND CONSPICUOUS LINK
ON THE MAIN PAGE OF THE WEBSITE OF THE P ET INSURER OR PET IN SURER’S
PROGRAM ADMINISTRATO R.
(E) IF A PET INSURER DETE RMINES CLAIM PAYMENT S UNDER A PET
INSURANCE POLICY THA T ARE BASED ON USUAL AND CUSTOMARY FEE S, OR ANY
OTHER REIMBURSEMENT LIMITATION BASED ON PREVAILING VETERINAR Y
PRACTITIONER CHARGES , THE PET INSURER SHAL L:
(1) INCLUDE A USUAL AND CUSTOMARY FEE LIMITA TION PROVISION
IN THE POLICY THAT C LEARLY DESCRIBES :
Ch. 740 2024 LAWS OF MARYLAND
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(I) THE PET INSURER ’S BASIS FOR DET ERMINING USUAL AND
CUSTOMARY FEES ; AND
(II) HOW THE BASIS IS APP LIED IN CALCULATING CLAIM
PAYMENTS; AND
(2) DISCLOSE THE PET INS URER’S BASIS FOR DETERMIN ING USUAL
AND CUSTOMARY FEES T HROUGH A CLEAR AND C ONSPICUOUS LINK ON T HE MAIN
PAGE OF THE WEBSIT E OF THE PET INSURER OR PET INSURER ’S PROGRAM
ADMINISTRATOR .
(F) IF A MEDICAL EXAMINAT ION BY A VETERINARY PRACTITIONER IS
REQUIRED TO BEGIN CO VERAGE, THE PET INSURER SHAL L:
(1) CLEARLY AND CONSPICU OUSLY DISCLOSE THE R EQUIRED
ASPECTS OF THE EXAMI NATION BEFORE PURCHASE OF T HE PET INSURANCE POL ICY;
AND
(2) DISCLOSE THAT EXAMIN ATION DOCUMENTATION MAY RESULT IN
A PREEXISTING CONDIT ION EXCLUSION.
(G) A PET INSURER SHALL CL EARLY AND PROMINENTL Y DISCLOSE ANY
WAITING PERIODS AND THE REQUIREMENTS APP LICABLE TO THE WAITING PERIO DS
BEFORE PURCHASE OF T HE PET INSURANCE POL ICY.
(H) (1) A PET INSURER SHALL :
(I) INCLUDE WITH A COPY OF THE PET INSURANCE POLICY A
SUMMARY OF ALL POLIC Y PROVISIONS REQUIRE D IN ACCORDANCE WITH
SUBSECTIONS (A) THROUGH (G) OF THIS SECTION IN A SEPARAT E DOCUMENT IN AT
LEAST 12 POINT TYPE TITLED : “INSURER DISCLOSURE OF IMPORTANT POLICY
PROVISIONS”; AND
(II) INCLUDE THE DOCUMENT REQUIRED UNDER ITEM (I) OF
THIS PARAGRAPH ON TH E WEBSITE OF THE PET INSURER OR PET INSUR ER’S
PROGRAM ADM INISTRATOR THROUGH A CLEAR AND CONSPICUOU S LINK ON THE
MAIN PAGE OF THE WEB SITE.
(2) THE DOCUMENT REQUIRED UNDER PARAGRAPH (1)(I) OF THIS
SUBSECTION SHALL INC LUDE ALL RELEVANT DE FINITIONS ESTABLISHE D UNDER §
19–1101 OF THIS SUBTITLE.
WES MOORE, Governor Ch. 740
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(I) AT THE TIME A PET INSURANCE POLICY IS ISSUED OR DELIVER ED TO A
POLICYHOLDER , THE PET INSURER SHAL L INCLUDE THE FOLLOW ING
INFORMATION , PRINTED IN 12 POINT BOLDFACE TYPE :
(1) THE ADMINISTRATION ’S MAILING ADDRESS , TOLL–FREE
TELEPHONE NUMBER , AND WEBSITE ADDRESS ;
(2) THE ADDRESS AND CUST OMER SERVICE TELEPHO NE NUMBER OF
THE PET INSURER OR T HE INSURANCE PRODUCE R OF RECORD FOR THE PET
INSURER; AND
(3) IF THE POLICY WAS IS SUED OR DELIVERED BY AN INSURANCE
PRODUCER, A STATEMENT ADVISING THE POLICYHOLDER TO CONTACT THE
INSURANCE PRODUCER FO R ASSISTANCE.
(J) THE DISCLOSURE REQUIR EMENTS REQUIRED IN A CCORDANCE WITH
THIS SECTION SHALL B E IN ADDITION TO ANY OTHER APPLICABLE DIS CLOSURE
REQUIREMENTS UNDER T HIS ARTICLE OR REGUL ATIONS ADOPTED UNDER THIS
ARTICLE.
19–1105.
(A) (1) A PET INSURER MAY ISSU E POLICIES THAT EXCL UDE COVERAGE
ON THE BASIS OF ONE OR MORE PREEXISTING CONDITIONS WITH APPR OPRIATE
DISCLOSURE TO THE CO NSUMER.
(2) THE PET INSURER HAS T HE BURDEN OF PROVING THAT THE
PREEXISTING CONDITIO N EXCLUSION APPLIES TO THE CONDITION FOR WH ICH A
CLAIM IS MADE.
(B) (1) (I) SUBJECT TO SUBPARAGRA PHS (II) AND (III) OF THIS
PARAGRAPH , A PET INSURER MAY IS SUE A POLICY THAT IM POSES A WAITING PERI OD
BEFORE COVERAGE UNDE R THE POLICY BEGINS .
(II) A WAITING PERIOD MAY N OT EXCEED 30 DAYS FOR AN
ILLNESS OR ORTHOPEDI C CONDITION THAT DOE S NOT RESULT FROM AN ACCIDENT.
(III) A PET INSURER MAY NOT IMPOSE A WAITING PER IOD FOR
AN ILLNESS OR ORTHOP EDIC CONDITION THAT RESULTS FROM AN ACCI DENT.
(2) (I) A PET INSURER THAT IMP OSES A WAITING PERIOD UNDER
PARAGRAPH (1) OF THIS SUBSECTION S HALL INCLUDE A PROVI SION IN THE PET
INSURANCE POLICY THA T ALLOWS FOR THE WAI VING OF WAITING PERI ODS ON
COMPLETION OF A MEDI CAL EXAMINATION . Ch. 740 2024 LAWS OF MARYLAND
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(II) 1. A PET INSURER MAY REQU IRE A MEDICAL
EXAMINATION UN DER SUBPARAGRAPH (I) OF THIS PARAGRAPH TO BE CONDUCTED
BY A VETERINARY PRAC TITIONER AFTER THE P URCHASE OF THE POLIC Y.
2. UNLESS THE PET INSURA NCE POLICY SPECIFIES
THAT THE PET INSURER WILL PAY FOR A MEDIC AL EXAMINATION UNDER
SUBPARAGRAPH (I) OF THIS PARAGRAPH , A POLICYHOLDER SHALL PAY FOR THE
MEDICAL EXAMINATION .
3. A PET INSURER MAY :
A. SPECIFY ELEMENTS TO BE INCLUDED AS PART OF A
MEDICAL EXAMINATION UNDER SUBPARAGRAPH (I) OF THIS PARAGRAPH ; AND
B. IF THE SPECIFICATION S DO NOT UNREASONABL Y
RESTRICT A POLICYHOL DER’S ABILITY TO WAIVE T HE WAITING PERIOD , REQUIRE
DOCUMENTATION OF THE MEDICAL EXAMINATION .
(3) A PET INSURER SHALL CL EARLY AND PROMINENTL Y DISCLOSE
REQUIREMENTS WITH RE SPECT TO APPLICABLE WAITING PERIODS BEFO RE
PURCHASE OF THE POLI CY.
(C) A PET INSURER SHALL RE QUIRE THAT AN INSURE D SUBMIT A CLAIM
UNDER THE PET INSURA NCE POLICY AFTER SUB MITTING P AYMENT TO THE
VETERINARY PRACTITIO NER FOR VETERINARY E XPENSES.
(D) A PET INSURER MAY NOT REQUIRE A MEDICAL EX AMINATION OF THE
COVERED PET AS A CON DITION FOR THE RENEW AL OF A POLICY.
(E) A PRESCRIPTIVE, WELLNESS, OR NONINSURANCE BENE FIT INCLUDED
IN THE POLICY FORM FOR A PE T INSURANCE POLICY I S PART OF THE POLICY AND
SUBJECT TO THIS ARTI CLE AND REGULATIONS ADOPTED UNDER THIS A RTICLE.
(F) A PET INSURER MAY NOT CONDITION AN INSURED ’S ELIGIBILITY TO
PURCHASE A PET INSUR ANCE POLICY ON PARTI CIPATION, OR LACK OF
PARTICIPATION , IN A SEPARATE WELLNE SS PROGRAM.
19–1106.
(A) A PET INSURER OR PET I NSURANCE PRODUCER MA Y NOT:
WES MOORE, Governor Ch. 740
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(1), EXCEPT AS PROVIDED I N SUBSECTION (C) OF THIS SECTION AND §
19–1107 OF THIS SUBTITLE , MARKET A WELLNESS PR OGRAM AS A PET INSUR ANCE
POLICY; OR
(2) MARKET A WELLNESS PR OGRAM DURING THE SAL E,
SOLICITATION, OR NEGOTIATION OF A PET INSURANCE POLICY .
(B) IF A PET INSURER OR P ET INSURANCE PRODUCE R SELLS A WELLNESS
PROGRAM:
(1) THE PURCHASE OF THE WELLNESS PROGRAM MAY NOT BE A
REQUIREMENT TO PURCH ASE THE PET INSURANC E;
(2) THE COSTS AND THE TE RMS AND CONDITIONS O F THE WELLNESS
PROGRAM SHALL BE SEP ARATE AND IDENTIFIAB LE FROM ANY PET INSU RANCE
POLICY SOLD BY A PET INSURER OR PET INSUR ANCE PRODUCER ;
(3) THE PRODUCTS OR COVE RAGES AVAILABLE THROUG H THE
WELLNESS PROGRAM MAY NOT DUPLICATE PRODUC TS OR COVERAGES AVAI LABLE
THROUGH THE PET INSU RANCE POLICY;
(4) THE ADVERTISING OF T HE WELLNESS PROGRAM SHALL
ACCURATELY AND CLEAR LY DESCRIBE THE WELL NESS PROGRAM ; AND
(5) THE PET INS URER OR PET INSURANC E PRODUCER SHALL
CLEARLY AND IN 12 POINT BOLDFACE TYPE DISCLOSE TO CONSUMER S:
(I) THAT, EXCEPT AS PROVIDED I N SUBSECTION (C) OF THIS
SECTION AND § 19–1107 OF THIS SUBTITLE , WELLNESS PROGRAMS AR E NOT
INSURANCE;
(II) THE ADMINISTRATION’S MAILING ADDRESS ,
TOLL–FREE TELEPHONE NUMBE R, AND WEBSITE ADDRESS ; AND
(III) THE ADDRESS AND CUST OMER SERVICE TELEPHO NE
NUMBER OF THE PET IN SURER OR PRODUCER OR INSURANCE PRODUCER O F
RECORD FOR THE PET I NSURER.
(C) COVERAGE THAT IS INCL UDED IN THE PET INSURANCE POLICY
CONTRACT DESCRIBED A S A “WELLNESS” BENEFIT IS INSURANCE .
19–1107.
Ch. 740 2024 LAWS OF MARYLAND
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IF A WELLNESS PROGRAM CONTRACTS TO INDEMNI FY OR TO PAY OR PROV IDE
A SPECIFIED DETERMIN ABLE AMOUNT OR BENEF IT ON THE OCCURRENCE OF A
DETERMINABLE CONTING ENCY, THE WELLNESS PROGRAM SHALL BE CONSIDERED
INSURANCE AND BE SUB JECT TO THE PROVISIO NS OF THIS ARTICLE A ND
REGULATIONS ADOPTED UNDER THIS ARTICLE .
19–1108.
(A) (1) IF THE COMMISSIONER FINDS TH AT A PERSON HAS VIOL ATED
THIS SUBTITLE, THE COMMISSIONER MAY IMP OSE A CIVIL PENALTY NOT EXCEEDING
$250 FOR EACH VIOLATION .
(2) IF THE COMMISSIONER FINDS A VIOLATION OF THIS SU BTITLE TO
BE WILLFUL, THE COMMISSIONER MAY IMPO SE A CIVIL PENALTY N OT EXCEEDING
$1,000 FOR THE VIOLATION .
(3) A PENALTY IMPOSED UNDE R THIS SUBSECTION IS IN ADD ITION TO
ANY OTHER PENALTY PR OVIDED BY LAW.
(B) (1) SUBJECT TO PARAGRAPH (2) OF THIS SUBSECTION , THE
COMMISSIONER MAY SUSP END THE CERTIFICATE OF AUTHORITY OF A PE T INSURER
THAT FAILS TO COMPLY WITH AN ORDER OF THE COMMISSIONER WITHIN THE TIME
SET BY THE ORDER OR ANY EXTENSION OF THA T TIME GRANTED BY TH E
COMMISSIONER .
(2) THE COMMISSIONER MAY NOT SUSPEND THE CERTIFIC ATE OF
AUTHORITY OF A PET I NSURER FOR FAILURE T O COMPLY WITH AN ORD ER:
(I) UNTIL THE TIME SET F OR AN APPEAL FROM THE ORDER HAS
EXPIRED; OR
(II) IF AN APPEAL HAS BEE N TAKEN, UNTIL THE ORDER HAS
BEEN AFFIRMED .
(3) THE COMMISSIONER MAY DETE RMINE WHEN THE SUSPE NSION OF
A CERTIFICATE OF AUT HORITY BECOMES EFFEC TIVE.
(4) THE SUSPENSION SHALL REMAIN IN EFFECT FOR THE PERIOD SET
BY THE COMMISSIONER :
(I) UNLESS THE COMMISSIONER MODIFIES OR RESCINDS THE
SUSPENSION; OR
WES MOORE, Governor Ch. 740
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(II) UNTIL THE ORDER ON W HICH THE SUSPENSION IS BASED IS
MODIFIED, RESCINDED, OR REVERSED .
(C) (1) BEFORE THE COMMISSIONER IMPOSES A PENALTY OR SUSPENDS
OR REVOKES A CERTIFI CATE OF AUTHORITY UN DER THIS SUBTITLE , THE
COMMISSIONER SHALL IS SUE A WRITTEN ORDER THAT STATES THE FIND INGS OF
THE COMMISSIONER .
(2) THE COMMISSIONER SHALL HO LD A HEARING BEFORE ISSUING
AN ORDER UNDER PARAG RAPH (1) OF THIS SUBSECTION.
(3) THE COMMISSIONER SHALL GI VE WRITTEN NOTICE OF THE
HEARING AT LEAST 10 DAYS BEFORE THE HEAR ING.
(4) THE NOTICE SHALL SPEC IFY THE ALLEGED VIOL ATION.
19–1109.
THE COMMISSIONER MAY ADOP T REGULATIONS TO CAR RY OUT THIS
SUBTITLE.
SECTION 2. AND BE IT FURTHER ENACTED, That, on or before June 1, 2025,
the Maryland Insurance Administration shall develop informational material about pet
insurance policies that may be disseminated to and posted by veterinary practitioners in
the State.
SECTION 3. AND BE IT FURTHER ENACTED, That this Act shall apply to all
policies and contracts of pet insurance issued, delivered, or renewed in the State on or after
January 1, 2025.
SECTION 3. 4. AND BE IT FURTHER ENACTED, That this Act shall take ef fect
October January 1, 2024 2025.
Approved by the Governor, May 16, 2024.