17:46D-9 Wellness programs separate from pet insurance.
230 words·~1 min read·
/nj/title-17/chapter-46d/17-46d-9A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
7. a. A pet insurer or insurance producer shall not market a wellness program as pet insurance.
b. If a wellness program is sold by a pet insurer or insurance producer:
(1)the purchase of the wellness program shall not be a requirement to the purchase of pet insurance;
(2)the costs of the wellness program shall be separate and identifiable from any pet insurance policy sold by a pet insurer or insurance producer;
(3)a payment transaction for pet insurance shall be separate from a payment transaction for a wellness program;
(4)the terms and conditions for the wellness program shall be separate from any pet insurance policy sold by a pet insurer or insurance producer;
(5)the products or coverages available through the wellness program shall not duplicate products or coverages available through the pet insurance policy; and
(6)the advertising of the wellness program shall not be misleading and shall be in accordance with this subsection.
c. A pet insurer or insurance producer shall clearly disclose to consumers, printed in 12-point boldface type:
(1)that wellness programs are not insurance;
(2)the address and customer service telephone number of the pet insurer or insurance producer, or broker of record; and
(3)the department’s mailing address, toll-free telephone number, and website address.
d. Coverages included in the pet insurance policy contract described as “wellness” benefits are insurance.
L.2025, c.224, s.7.