HB2744 • 2025

Prohibits insurers that issue a policy of insurance that provides coverage or benefits to an insured for veterinary services for the insured's pet from excluding, limiting or reducing the coverage or benefits on the basis of a preexisting condition that affects the pet's health or physical condition.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Representative Nelson, Representative Chaichi,, Gomberg,
Last action: 2025-06-27
Official status: In House Committee
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Prohibits insurers that issue a policy of insurance that provides coverage or benefits to an insured for veterinary services for the insured's pet from excluding, limiting or reducing the coverage or benefits on the basis of a preexisting condition that affects the pet's health or physical condition.

Digest: Tells an insurer that it may not exclude, limit or reduce benefits under a policy that covers health care for a person's pet on the basis that the pet had a health condition before the policy went into effect.

What This Bill Does

Digest: Tells an insurer that it may not exclude, limit or reduce benefits under a policy that covers health care for a person's pet on the basis that the pet had a health condition before the policy went into effect.
Says that this is so even if the pet owner knew about the condition.
Takes effect 91 days after the session ends.
(Flesch Readability Score: 61.3).

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2025-06-27 House
In committee upon adjournment.
2025-01-17 House
Referred to Commerce and Consumer Protection.
2025-01-13 House
First reading. Referred to Speaker's desk.

Official Summary Text

Digest: Tells an insurer that it may not exclude, limit or reduce benefits under a policy that covers health care for a person's pet on the basis that the pet had a health condition before the policy went into effect. Says that this is so even if the pet owner knew about the condition. Takes effect 91 days after the session ends. (Flesch Readability Score: 61.3).
Prohibits insurers that issue a policy of insurance that provides coverage or benefits to an insured for veterinary services for the insured's pet from excluding, limiting or reducing the coverage or benefits on the basis of a preexisting condition that affects the pet's health or physical condition.
Takes effect on the 91st day following adjournment sine die.
Relating to: Relating to exclusions of insurance coverage for veterinary services on the basis of a preexisting condition; prescribing an effective date.
Current location: In House Committee

Current Bill Text

Read the full stored bill text

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83rd OREGON LEGISLATIVE ASSEMBLY--2025 Regular Session
House Bill 2744
Sponsored by Representative NELSON (Presession filed.)
SUMMARY
The following summary is not prepared by the sponsors of the measure and is not a part of the body thereof subject
to consideration by the Legislative Assembly. It is an editor’s brief statement of the essential features of the
measure as introduced. The statement includes a measure digest written in compliance with applicable readability
standards.
Digest: Tells an insurer that it may not exclude, limit or reduce benefits under a policy that
covers health care for a person’s pet on the basis that the pet had a health condition before the
policy went into effect. Says that this is so even if the pet owner knew about the condition. Takes
effect 91 days after the session ends. (Flesch Readability Score: 61.3).
Prohibits insurers that issue a policy of insurance that provides coverage or benefits to an in-
sured for veterinary services for the insured’s pet from excluding, limiting or reducing the coverage
or benefits on the basis of a preexisting condition that affects the pet’s health or physical condition.
Takes effect on the 91st day following adjournment sine die.
A BILL FOR AN ACT
Relating to exclusions of insurance coverage for veterinary services on the basis of a preexisting
condition; and prescribing an effective date.
Be It Enacted by the People of the State of Oregon:
SECTION 1.
Section 2 of this 2025 Act is added to and made a part of the Insurance Code.
SECTION 2. (1) As used in this section:
(a)(A) “Pet” means an animal that an individual keeps exclusively for the purpose of
providing personal companionship or direct aid to the individual.
(B) “Pet” does not include animals that perform work, are livestock or are otherwise
kept for purposes that do not involve personal companionship or direct aid to an individual.
(b) “Preexisting condition” means a condition for which a pet received veterinary ser-
vices or treatment, or for which veterinary services or treatment were recommended, within
six months preceding the effective date of coverage under an insurance policy.
(2) An insurer that issues a policy of insurance in this state that provides coverage or
benefits to an insured for veterinary services for the insured’s pet may not exclude, limit
or reduce, including by means of waivers or riders of any kind, coverage or benefits provided
under the policy of insurance on the basis of a preexisting condition that affects the health
or physical condition of the pet, regardless of whether the insured knew of the preexisting
condition or disclosed the preexisting condition on any application for the insurance.
SECTION 3.
Section 2 of this 2025 Act applies to policies of insurance that an insurer
issues or renews on or after the effective date of this 2025 Act.
SECTION 4. This 2025 Act takes effect on the 91st day after the date on which the 2025
regular session of the Eighty-third Legislative Assembly adjourns sine die.
NOTE: Matter in boldfaced type in an amended section is new; matter [ italic and bracketed] is existing law to be omitted.
New sections are in boldfaced type.
LC 1908