Rhode Island Sets New Standards for Pet Insurance Policies and Sales Practices

Pet insurers operating in Rhode Island will soon face rigorous new compliance standards, thanks to the passage of the Pet Insurance Act (H 5569 Substitute A) by the state’s General Assembly. Scheduled to take effect on January 1, 2026, the legislation creates a detailed regulatory framework that could influence pet insurance regulation across the country.

The law mandates that insurers clearly disclose exclusions for preexisting conditions, hereditary disorders, congenital anomalies, and chronic conditions before a policy is sold. Waiting periods for illness and orthopedic issues are capped at 30 days, and accident coverage must begin immediately—no more delays or hidden clauses. Additionally, consumers must have the option to waive waiting periods by submitting a veterinary exam.

Notably, the Act prohibits insurers from earning premiums before coverage begins and places tight restrictions on bundling wellness programs with pet insurance. These programs must be marketed as separate, non-insurance products with distinct costs and terms.

Insurance producers must also meet new training requirements before selling pet insurance. Training topics include coverage exclusions, waiting periods, and the difference between insurance and wellness programs. Violations of the Act will be penalized under existing state insurance laws. While the law applies only within Rhode Island, its comprehensive nature could set a precedent for other states considering similar reforms.