SB 158 — Pet Insurance

Florida Senate - 2026 CS for SB 158 By Senatorthe JonesCommittee 34-00429-26on 2026158__Banking Aand billInsurance; to be entitled An act relating to pet insurance;

and Senator Jones 597-02496-26 2026158c1 A bill to be entitled An act relating to pet insurance;

626.2815, F.S.;

requiring licensees who sell pet insurance to complete specified continuing education;

amending s.

prohibiting agents from soliciting the sale of pet insurance policies or pet wellness products under certain circumstances;

authorizing agents to rely on certain standards and materials;

specifying that certain training standards are not part of certain continuing education requirements;

providing that certain courses are eligible for certain continuing education credit;

deleting a requirement that insurers ensure their agents are trained in a specified manner;

ParagraphPresent (k)subsection (11) of section 627.71545, Florida Statutes, is redesignated as subsection (12), a new subsection (11) is added to that section, and paragraph (e) of subsection (3)(6) and paragraph (a) of sectionsubsection 626.2815,(10) Floridaof Statutes,that section are amended, to read:

626.2815627.71545 ContinuingPet educationinsurance; requirements.— (3) Each licensee except a title insurance agent must complete a 4-hour update course every 2 years which is specific to the license held by the licensee.

Thenoninsurance coursewellness mustprograms.— be(6) developed(e) andAt offeredthe bytime providersa andpet approvedinsurance bypolicy is issued or delivered to a policyholder, the department.pet insurer shall provide the Page 1 of 3 CODING:

The content of the course must address all lines of insurance for which examination and licensure are required and include the following subject areas:

insurance law updates, ethics for insurance professionals, disciplinary trends and case studies, industry trends, premium discounts, determining suitability of products and services, and other similar insurance-related topics the department determines are relevant to legally and ethically carrying out the responsibilities of the license granted.

A licensee who holds multiple insurance Page 1 of 3 CODING:

Florida Senate - 2026 CS for SB 158 34-00429-26597-02496-26 2026158__2026158c1 licensespolicyholder mustwith completea ancopy updateof coursethe thatInsurer isDisclosure specificof toImportant atPolicy leastProvisions onedocument ofrequired theunder licensesparagraph held.(d), in at least 12-point type.

Except as otherwise specified, any remaining required hours of continuing education are elective and may consist of any continuing education course approved by the department under this section.

(k) For a licensee who sells pet insurance, the continuing education required under this section must include 2 hours of continuing education relating to pet insurance during each biennial compliance period.

Section 2.

Present subsections (10) and (11) of section 627.71545, Florida Statutes, are redesignated as subsections (11) and (12), respectively, a new subsection (10) is added to that section, and paragraph (e) of subsection (6) of that section is amended, to read:

627.71545 Pet insurance;

noninsurance wellness programs.— (6) (e) At the time a pet insurance policy is issued or delivered to a policyholder, the pet insurer shall provide the policyholder with a copy of the Insurer Disclosure of Important Policy Provisions document required under paragraph (d), in at least 12-point type.

Page3. 2 of 3 CODING:

A summary of the key policy features, written in plain language and on a form adopted by the commission by rule, including, at a minimum, coverage limits and deductibles, waiting periods, exclusions, preexisting condition rules, and whether the policy includes wellness benefits.

(10)(a)1.

An agent may not solicit the sale of a pet insurance policy or a pet wellness product unless the agent has adequate knowledge of the policy or product, is in compliance with the insurer’s standards applicable to the sale of the policy or product, and completes a biennial 2-hour training course on the topics specified in paragraph (b).

An agent may rely on insurer-provided, policy, or product-specific training standards and materials to comply with this subsection.

2.

The insurer-provided, policy, or product-provided training standards specified in subparagraph 1.

are not part of an agent’s continuing education requirement in s.

626.2815;

however, if a course provider submits and receives approval from the department, the course is eligible for continuing education Page 2 of 3 CODING:

Florida Senate - 2026 CS for SB 158 34-00429-26597-02496-26 2026158__2026158c1 3.credit pursuant to s.

626.2815 A summarypet ofinsurer themust keyensure policythat features,its writtenagents inare plaintrained language and on a form adopted by the commissiontopics byspecified rule,in including,paragraph at(b) aand minimum,that coverageits limitsagents andhave deductibles,been waitingappropriately periods,trained exclusions,on preexistingthe conditioncoverages rules, and whetherconditions theof policyits includespet wellnessinsurance benefits.products.

(10)(11) Each pet insurer authorized to transact pet insurance under this section shall file with the office by March 1 of each year a report containing all of the following information for the preceding calendar year:

Section 3.2.