Adopt pet insurance model act

Formatting changes from draft to enrolled bill version, including header updates and line number adjustments

Added detailed definitions for 'chronic condition,' 'congenital anomaly or disorder,' 'hereditary disorder,' 'orthopedic,' 'pet,' 'pet insurance,' 'preexisting condition,' 'renewal,' 'veterinarian,' 'veterinary expenses,' 'waiting period,' 'wellness program,' and 'veterinarian'

Added clarification that wellness programs meeting insurance definitions remain subject to Title 33, while direct service contracts between providers and owners are not classified as insurance unless other indicia exist

Expanded disclosure requirements to include specific exclusions like preexisting conditions, hereditary disorders, congenital anomalies, and chronic conditions, plus requirements about coverage limitations and premium adjustments

Bill number updated from HB 78 to HB 78.1 and line numbers renumbered throughout the document.

Bill number changed from HB 78.1 to HB 78 and status changed from draft to enrolled, indicating legislative approval.

Added comprehensive definitions for key terms including chronic condition, congenital anomaly, hereditary disorder, orthopedic conditions, pet, pet insurance, preexisting condition, renewal, veterinarian, veterinary expenses, waiting period, wellness program, and veterinarian.

Added disclosure requirements mandating insurers inform consumers about preexisting condition exclusions, hereditary disorder exclusions, congenital anomaly exclusions, chronic condition exclusions, other exclusions, waiting period provisions, claim history impacts, and underwriting company differences.

Added consumer right to examine and return pet insurance policies before claims are filed.

The definition of 'preexisting condition' was expanded to include situations where a veterinarian provided medical advice, the pet received previous treatment, or the pet had signs or symptoms directly related to the condition, even if no formal diagnosis or treatment occurred.

Insurers must now disclose if a policy excludes coverage based on preexisting conditions, hereditary disorders, congenital anomalies, or chronic conditions before completing the sale.

Insurers must inform consumers if the policy includes any other exclusions by stating: 'Other exclusions may apply. Please refer to the exclusions section of the policy for more information.'

Insurers must disclose whether they reduce coverage or increase premiums based on claim history, pet age, geographic location changes, or if the underwriting company differs from the brand name used to market the product.

The original LC 0107 bill number and associated formatting were replaced with HB 78.1, indicating this is a new or revised version of the legislation.