Bill > HB544

This bill establishes a comprehensive regulatory framework for pet insurance in Hawaii, beginning January 1, 2026, based on the National Association of Insurance Commissioners' Pet Insurance Model Act. The legislation defines key terms like "preexisting condition," "chronic condition," and "hereditary disorder," and requires pet insurers to provide clear disclosures about policy limitations, exclusions, and coverage details. Insurers must transparently communicate information such as waiting periods, potential coverage reductions, and claim payment methods, and must provide consumers with a 30-day "free look" period to review and return policies. The bill mandates that insurance producers selling pet insurance complete specific training on topics like preexisting conditions and policy nuances, and ensures that wellness programs are clearly distinguished from insurance products. Additionally, the legislation prohibits insurers from requiring medical examinations for policy renewals and prevents them from basing policy eligibility on participation in wellness programs. The bill aims to protect consumers by ensuring transparency, preventing misleading marketing practices, and creating standardized guidelines for pet insurance products in Hawaii.

Business and Industry, Justice

https://www.capitol.hawaii.gov/session/measure_indiv.aspx?billtype=HB&billnumber=544&year=2025