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SB 1386 Connecticut Senate · 2025 Regular Session

AN ACT CONCERNING DOG BREED AND THERAPY ANIMALS IN INSURANCE UNDERWRITING AND EVALUATING THE FEASIBILITY OF ESTABLISHING A PENALTY FOR MISREPRESENTING A DOG AS A SERVICE ANIMAL.

SB 1386 prohibits insurance companies from denying coverage or charging higher premiums based on a dog's breed or classifying therapy animals as service animals. It also requires a study to evaluate whether penalties should be created for falsely claiming a dog is a service animal. The bill directly affects dog owners, insurance providers, and individuals relying on service animals. This legislation aims to prevent breed-based insurance discrimination while examining potential enforcement for misrepresentation.
Bill status passed 3 of 5 stages cleared
Introduction
Feb 2025
Committee Review
Mar 2025
Senate Passage
May 2025
House Passage
Governor
Introduced Feb 25, 2025 Last action May 30, 2025
Maddy AI version diff · 1 comparison

What changed between versions

Raised Bill → INS Joint Favorable Substitute · 4 edits
MODERATE
The bill was amended to expand protections beyond just dog breed discrimination to also include therapy animals, and added specific language allowing insurers to exclude, limit, restrict, or reduce coverage based on breed rather than just charging higher premiums or refusing coverage. The bill also clarifies the definition of therapy animals by referencing a specific statute.
Scope change
The bill now explicitly includes therapy animals alongside service animals in its protections against insurance discrimination, and clarifies the specific actions insurers are prohibited from taking regarding dog breeds.
SCOPE

Added explicit protection for therapy animals alongside service animals, expanding the bill's scope to cover both types of animals.

REQUIREMENT

Expanded the list of prohibited insurer actions from just charging increased premiums or refusing coverage to also include excluding, limiting, restricting, or reducing coverage based on dog breed.

DEFINITION

Added a specific definition for 'therapy animal' by referencing section 17a-22ee of the general statutes.

TECHNICAL

Removed the original bill's title and committee referral information, replaced with substitute bill designation and joint favorable substitute status.

Floor votes · Senate May 30, 2025

How they voted

30–6
Passed
Total votes 36
May 30, 2025
D Democratic25
25 Yea
100% Yea
R Republican11
5 Yea 6 Nay
54% Nay
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
15
Key actions
4
Committee
2
Amendments
1
May 30, 2025
Senate · Passed
Senate Vote: pass (30-6)
senate
May 29, 2025
Upper · Passed
SEN. PASSED, SEN. AMEND. SCH. A
upper
May 29, 2025
Upper · Passed
SEN. ADOPTED SEN. AMEND. SCH. A
upper
Mar 11, 2025
Upper · Passed
Joint Favorable Substitute
upper
Feb 25, 2025
Committee
REF. TO JOINT COMM. ON Insurance and Real Estate
upper
0 primary · 0 co-sponsors

Sponsors

No sponsor information available.