Relating to: pet insurance and granting rule-making authority.

AB 949 clarifies pet insurance rules to prevent consumer confusion. It bans marketing pet wellness programs as insurance and requires clear separation between wellness programs and insurance policies (e.g., separate pricing, distinct terms, and explicit "not insurance" disclosures). The bill also mandates training for insurance agents on policy terms like preexisting conditions and waiting periods, and requires insurers to disclose coverage limitations, exclusions, and policy details upfront. These changes directly affect pet insurance companies, their agents, and pet owners purchasing these products.