#Florida pet insurance renewal rules Articles

Florida HB 655 took effect January 1, 2026 and created Florida's Pet Insurance Act. The law prohibits accident waiting periods, caps new-policy illness and non-accident orthopedic waits at 30 days, requires a veterinary-exam waiver pathway, creates a 30-day no-claim free-look right, requires detailed policy and claim-payment disclosures, places the burden of proof for pre-existing exclusions on the insurer, bars waiting periods and mandatory medical exams at renewal, and separates wellness programs from insurance. This guide explains the exact 2026 rules and the limits that still depend on the policy.