"Pet Insurance Act."

This New Jersey bill creates a legal framework for pet insurance, requiring insurers to clearly explain coverage details to pet owners. It mandates that policies must define key terms like "preexisting condition," "hereditary disorder," and "chronic condition," and disclose all exclusions (e.g., for these conditions) and coverage limits. Pet owners in New Jersey receive a 30-day trial period to review policies and get full refunds if unsatisfied. The law applies to all pet insurance sold, solicited, or delivered in New Jersey, ensuring transparency in how coverage works.