New Florida law brings transparency to pet insurance

Florida is now regulating pet insurance to ensure that pet owners seeking veterinary care know what their policy covers.

Florida Republican Gov. Ron DeSantis signed House Bill HB 655, sponsored by Rep. Kaylee Tuck and Senate Bill SB 1226 by Senator Nick DiCeglie, into law, which requires pet insurers to disclose whether policies exclude coverage for issues like chronic and pre-existing conditions

Additionally, it will require insurers to provide information regarding claim payments and benefit schedules.

A House staff analysis indicated that four carriers offer pet insurance policies in Florida, covering illnesses and orthopedic conditions.

"As companion animals live longer, veterinary care costs are rising, prompting more pet owners to consider insurance for managing expenses related to preventive care, illnesses and emergencies," the staff analysis said.

The bill will take effect on Jan. 1, 2026.

According to a 2024 report by the North American Pet Health Insurance Association, roughly 6.25 million pets in North America were insured in 2023.

Pet insurance ensures pet owners can afford the proper care in case of injury or illness.

It can also help cover routine and preventive care depending on the policy.

Most insurers only cover cats and dogs, and some have breed and age restrictions for enrollment.

Overall, while pet insurance isn't required, it provides peace of mind to owners in case their pet needs expensive treatment or even just routine care.

According to The Zebra, a company that helps pet owners find insurance, it costs between $50-$250 for a routine checkup, $80-$200 for blood work, $70-$400 for dental work, $1,500 -$5,000 for emergency surgery and $3,000-$8,000 for stomach torsion or bloat treatment.