#Pennsylvania pet insurance consumer rights Articles

Pennsylvania's HB 660 became Act 19 of 2024 and created a dedicated pet-insurance framework that is stronger than the old guide described. The law gives applicants a 30-day free-look right if no claim has been filed, prohibits accident waiting periods, caps illness and non-accident orthopedic waiting periods at 30 days, puts the burden on insurers to prove a pre-existing-condition exclusion, standardizes key definitions, requires detailed claim/payment disclosures and separates noninsurance wellness programs from insurance.