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National Association of Insurance Commissioners
We assist state insurance regulators, individually and collectively, in serving the public interest. Together, we protect consumers and ensure fair, competitive, and healthy insurance markets.
A REGULATOR’S GUIDE TO PET INSURANCE
As discussed during the Property and Casualty Insurance (C) Committee’s meeting at the 2018 Spring National Meeting, the Committee formed a drafting group to develop a white paper to provide an overview of the pet insurance industry. This white paper represents the Committee’s findings. Please note that all websites and companies discussed in this paper are included for research only and ...
NAIC Pet Insurance Model Law_11921Clean
“Pet insurance” means a property insurance policy that provides coverage for accidents and illnesses of pets. “Preexisting condition” means any condition for which any of the following are true prior to the effective date of a pet insurance policy or during any waiting period:
LICENSING & REPORTING IN THE U.S. PET INSURANCE MARKET
OBJECTIVES In this study, we discuss the pet insurance market and ofer recommendations regarding licensing and reporting that we believe will better serve consumers and improve market transparency.
Chapter 21B—Conducting the Pet Insurance Examination
This chapter provides a format for conducting pet insurance company examinations. Procedures for conducting property/casualty (P/C) insurance company examinations and other types of specialized examinations, such as third-party administrators (TPAs) and surplus lines brokers—may be found in separate chapters.
Insurance Topics | Pet Insurance | NAIC
As pet healthcare spending rises, more consumers buy pet insurance. NAIC adopted a model law to regulate pet insurance on issues like preexisting conditions, disclosures, and producer training.
A Regulator’s Guide to Pet Insurance
Pet insurance provides accident and illness coverage for family-owned pets, primarily dogs and cats. Although pet insurance is classified and regulated as P/C insurance, it bears many similarities to human health insurance with annual coverage offered at an actuarially determined rate subject to various conditions and exclusions. This coverage was started in the U.S. in 1980 and has grown ...
Pet Insurance (2025)
Pet Insurance (2025) Pet Insurance Interrogatories ... 24 Additional state specific Lawsuit and Complaint comments (optional) ---
Market Conduct Annual Statement Frequently Asked Questions
• Pet: All companies licensed and reporting any pet insurance within any of the participating MCAS jurisdictions. (This threshold is subject to individual jurisdiction requirements.)
PET INSURANCE MODEL ACT – DISCUSSION DRAFT for PET INSURANCE (C ...
As mentioned in the NAIC White Paper “The coverage options and policy details associated with pet insurance are like those found in human health insurance. However, pet insurance is regulated and reported as P/C coverage because pets are considered property under the law. Provisions for in-network providers, co-insurance or co-payment, exclusions for preexisting conditions, age limits and ...
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