State Rep. Dan Daley and Sen. Shevrin Jones have filed companion legislation aimed at strengthening consumer protections and improving transparency in Florida’s pet insurance market.
House Bill 983 and Senate Bill 158, titled Pet Insurance, would update licensing education requirements for professionals who sell pet insurance, enhance disclosure standards for policyholders, and increase regulatory reporting requirements for insurers.
Under the proposal, individuals who sell pet insurance would be required to complete specified continuing education to better equip them to advise consumers about coverage options and limitations. The bills also revise disclosure requirements so that key policy terms, benefits, and exclusions are clearly communicated to customers. To support oversight, pet insurers would be required to submit an annual report to the Florida Office of Insurance Regulation with standardized data on policies and claims.
“As a proud pet owner myself, and with my own dog, Tally, keeping me on my toes, I understand how important it is to keep our beloved pets healthy and safe through reliable insurance. They are not just pets; they are members of the family,” Daley said. “HB 983 brings much-needed transparency and accountability to the pet insurance market, giving Floridians confidence that they understand what they are purchasing and ensuring providers are held to clear, consistent standards.”
Jones said the legislation reflects the realities many pet owners face when premiums rise, and policy details are unclear.
“As a proud pet parent, I know how important pets are in our lives. I have personally encountered limited transparency and dramatically rising premiums and know how challenging these realities are when caring for a member of your family, four-legged or not,” Jones said. “Responsible pet ownership includes preparing for medical emergencies and unforeseen health needs. This bill protects consumers by promoting informed choices and holding insurers accountable for how they communicate about policies. It’s common-sense reform that supports both pet owners and providers.”
If approved by the Legislature, the measures would establish clearer standards for pet insurance sales and disclosures while providing regulators with additional data to monitor the growing market.
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