An Act relative to pet insurance in the Commonwealth of Massachusetts

HD 2910 establishes Massachusetts' first comprehensive legal framework for pet insurance, applying to all policies sold to state residents. The bill requires insurers to clearly disclose coverage exclusions (like preexisting conditions, hereditary disorders, or chronic conditions), waiting periods, deductibles, and how claim payments are calculated - both in policies and on websites. It mandates a 30-day "free look" period allowing buyers to return policies for a full refund without reason if unsatisfied. The law also defines key terms (e.g., "preexisting condition," "veterinary expenses") and ensures transparency about policy limitations, directly affecting pet owners and insurers operating in Massachusetts.