Pet insurance protections by state
Pet insurance has almost no state-set coverage rules. The one thing that genuinely differs is whether your state has enacted disclosure law based on the NAIC Pet Insurance Model Act — 7 of the 18 states we cover have, and 3 have legislation pending.
| State | Status | Detail |
|---|---|---|
| Arizona | None identified | — |
| California | Enacted | California was first, enacting pet insurance rules in 2014 and amending them in 2024 — the longest-standing consumer protections in the country. |
| Colorado | None identified | — |
| Florida | Enacted | Florida enacted its version in April 2025, with the rules taking effect on 1 January 2026. |
| Georgia | None identified | — |
| Illinois | Pending | Legislation was in committee as of mid-2025. |
| Maryland | Enacted | Maryland enacted its version in late 2024. |
| Massachusetts | Pending | Legislation was in committee as of mid-2025. |
| Michigan | None identified | — |
| New Jersey | Enacted | New Jersey enacted its Pet Insurance Act in January 2026 (P.L.2025, c.224), with the rules taking effect on 1 January 2027. |
| New York | Pending | A 2024 bill was vetoed by the Governor and reintroduced in the 2025–2026 session. |
| North Carolina | None identified | — |
| Ohio | Enacted | Ohio enacted its version in summer 2024. |
| Pennsylvania | Enacted | Pennsylvania enacted its version in June 2024. |
| Texas | None identified | — |
| Virginia | None identified | — |
| Washington | Enacted | Washington passed its version in April 2023, effective January 2024 — among the earliest to follow the NAIC model. |
| Wisconsin | None identified | — |
Verified 2026-08-17 against Insurify, 'Pet Insurance Regulations by State', dated 2025-06-16. Legislation moves quickly here — confirm current status with your state insurance department. Where sources conflicted on a state’s status we published the weaker claim rather than the stronger one.
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