Target: California Governor Jerry Brown
Goal: Commend law that requires pet insurers to clearly explain their policies to pet owners
Too often pet owners who purchase pet insurance are caught off-guard by ill-communicated policy details when attempting to use the insurance for a sick or injured pet. Many pet insurance companies are vague in describing what they will and will not cover, leaving many pet owners confused about coverage and paying out-of-pocket for veterinary care. Thankfully, this confusion over pet insurance coverage will no longer be allowed to take place in California. Per the recent signature of California’s Governor Jerry Brown, pet insurance companies will be required to clearly explain their policies to pet owners by July of 2015.
The pet-insurance industry is largely unregulated. California is now the first state to require pet-insurance companies to clearly state what they will cover, which issues are considered pre-existing conditions, and annual coverage limits. Waiting periods, deductibles, lifetime and annual policies, as well as coinsurance rules will all be clearly communicated to pet owners once this law takes effect next year. Many pet owners have complained that pet insurance is unreliable and too expensive. Pet-insurance companies in California will now be faced with fines up to $10,000 for policy violations. Policyholders will also be allowed to take 30 days to try out their pet insurance before agreeing to purchase a plan.
This new law will allow the pet owners of California to fully utilize pet insurance policies that they have purchased. This is a great step toward fully legitimizing pet insurance. Commend California Governor Jerry Brown for signing this important and progressive bill into law, and helping to protect pet health throughout the state.
Dear Governor Brown,
You recently signed bill AB2056 into law, and I am writing to thank you for supporting this important movement. Pet-insurance companies have operated suspiciously for years, denying numerous injury and illness claims for vague reasons. Too many pet owners have complained about the poor service they have received from pet insurance companies, including paying out-of-pocket for claims they believed would be covered.
Because the language of pet-insurance companies will now be clear, more people will likely purchase insurance for their beloved pets. Thank you for understanding the importance of this law and please continue to do everything in your power to protect the health of pets and the rights of their owners.
[Your Name Here]
Photo credit: Andrey via Flickr