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Wisconsin Legislature: SB927: Bill Text
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SB927: Bill Text
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2025 - 2026 LEGISLATURE
LRB-5624/1
EKL:skw
2025 SENATE BILL 927
February 6, 2026 - Introduced by Senators
Wall
and
Dassler-Alfheim
, cosponsored by Representatives
Doyle
,
Snodgrass
,
Ortiz-Velez
,
DeSmidt
,
Joers
,
Stubbs
,
Stroud
,
Sinicki
and
Clancy
. Referred to Committee on Insurance, Housing, Rural Issues and Forestry.
SB927,1,2
1
An Act
to create
628.34 (16), 628.349 and 632.105 of the statutes;
relating to:
2
pet insurance and granting rule-making authority.
Analysis by the Legislative Reference Bureau
This bill generally adopts the provisions in the model Pet Insurance Act approved by the National Association of Insurance Commissioners.
The people of the state of Wisconsin, represented in senate and assembly, do enact as follows:
SB927,1
3
Section
1
.
628.34 (16) of the statutes is created to read:
SB927,1,4
4
628.34
(16)
Pet insurance.
(a) In this subsection:
SB927,1,5
5
1. “Pet insurance” has the meaning in s. 632.105 (1) (e).
SB927,1,6
6
2. “Pet wellness program” has the meaning in s. 632.105 (1) (f).
SB927,1,7
7
(b) No person may do any of the following:
SB927,1,8
8
1. Market a pet wellness program as pet insurance.
SB927,2,2
1
2. Market a pet wellness program during the sale, solicitation, or negotiation
2
of pet insurance.
SB927,2,4
3
(c) If a pet wellness program is sold by an insurer or intermediary that sells
4
pet insurance policies, all of the following apply:
SB927,2,6
5
1. The purchase of the pet wellness program may not be a requirement for the
6
purchase of a pet insurance policy.
SB927,2,8
7
2. The costs of the pet wellness program must be separate and identifiable
8
from any pet insurance policy sold by the insurer or intermediary.
SB927,2,10
9
3. The terms and conditions for the pet wellness program must be separate
10
from any pet insurance policy sold by the insurer or intermediary.
SB927,2,13
11
4. The products or coverage available through the pet wellness program may
12
not duplicate products or coverage available through a pet insurance policy sold by
13
the insurer or intermediary.
SB927,2,14
14
5. The advertising of the pet wellness program may not be misleading.
SB927,2,16
15
6. The insurer or intermediary must clearly disclose all of the following,
16
printed in 12-point boldface type:
SB927,2,17
17
a. A statement that pet wellness programs are not insurance.
SB927,2,19
18
b. The mailing address and customer service telephone number of the insurer
19
or intermediary.
SB927,2,21
20
c. The mailing address, telephone number, and website address of the office of
21
the commissioner of insurance.
SB927,2
22
Section
2
.
628.349 of the statutes is created to read:
SB927,2,23
23
628.349 Pet insurance. (1)
Definitions
. In this section:
SB927,2,24
24
(a) “Chronic condition” has the meaning in s. 632.105 (1) (a).
SB927,3,1
1
(b) “Congenital anomaly or disorder” has the meaning in s. 632.105 (1) (b).
SB927,3,2
2
(c) “Hereditary disorder” has the meaning in s. 632.105 (1) (c).
SB927,3,3
3
(d) “Pet insurance” has the meaning in s. 632.105 (1) (e).
SB927,3,4
4
(e) “Pet wellness program” has the meaning in s. 632.105 (1) (f).
SB927,3,5
5
(f) “Preexisting condition” has the meaning in s. 632.105 (1) (g).
SB927,3,6
6
(g) “Waiting period” has the meaning in s. 632.105 (1) (j).
SB927,3,9
7
(2)
Required training.
(a) Except as provided in par. (b), no person may sell,
8
solicit, or negotiate a pet insurance product unless the person is a licensed
9
intermediary and has completed training that covers all of the following topics:
SB927,3,10
10
1. Preexisting conditions and waiting periods under a pet insurance policy.
SB927,3,11
11
2. The differences between pet insurance and pet wellness programs.
SB927,3,13
12
3. Hereditary disorders, congenital anomalies or disorders, and chronic
13
conditions and how a pet insurance policy interacts with them.
SB927,3,14
14
4. Rating, underwriting, renewal, and other insurance administrative topics.
SB927,3,16
15
(b) The commissioner may determine that the satisfaction of a substantially
16
similar training requirement of another state satisfies the requirement of par. (a).
SB927,3,18
17
(3)
Insurer verification.
Insurers providing pet insurance shall do all of
18
the following:
SB927,3,21
19
(a) Obtain from each intermediary selling pet insurance policies on the
20
insurer’s behalf verification that the intermediary is in compliance with the
21
training requirement under sub. (2).
SB927,3,23
22
(b) Maintain records related to the verifications obtained under par. (a) and
23
make the records available to the commissioner upon request.
SB927,3
24
Section
3
.
632.105 of the statutes is created to read:
SB927,4,1
1
632.105 Pet insurance. (1)
Definitions.
In this section:
SB927,4,3
2
(a) “Chronic condition” means a condition that can be treated or managed, but
3
not cured.
SB927,4,6
4
(b) “Congenital anomaly or disorder” means a condition that is present from
5
birth, whether inherited or caused by the environment, and that may cause or
6
contribute to illness or disease.
SB927,4,8
7
(c) “Hereditary disorder” means an abnormality that is genetically
8
transmitted from parent to offspring and may cause illness or disease.
SB927,4,13
9
(d) “Orthopedic condition” means a condition affecting bones, skeletal muscle,
10
cartilage, tendons, ligaments, or joints, or any combination thereof, including elbow
11
or hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured
12
cranial cruciate ligaments. “Orthopedic condition” does not include cancer or a
13
metabolic, hemopoietic, or autoimmune disease.
SB927,4,15
14
(e) “Pet insurance” means a property insurance policy issued in this state that
15
provides coverage for accidents and illnesses of a pet.
SB927,4,20
16
(f) “Pet wellness program” means a subscription or reimbursement program
17
that provides goods and services to promote the general health, safety, and well-
18
being of a pet and that is separate from a pet insurance policy, is not included on a
19
pet insurance policy form, and does not shift the risk of loss in exchange for
20
premiums.
SB927,4,23
21
(g) “Preexisting condition” means a condition of a pet for which any of the
22
following is true prior to the effective date of, or during any waiting period required
23
under, a pet insurance policy:
SB927,4,24
24
1. A veterinarian provided medical advice.
SB927,5,1
1
2. The pet received treatment.
Down
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