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The Florida Senate

HB 655: Pet Insurance and Wellness Programs

GENERAL BILL by Tuck ; (CO-INTRODUCERS) Bartleman ; Redondo ; Valdés

Pet Insurance and Wellness Programs; Requires pet insurers to make certain disclosures to pet insurance applicants & policyholders, including summary of their bases or formulas for determination of claim payments under pet insurance policy; requires pet insurers to disclose certain requirements for required medical examinations of pet; authorizes pet insurance applicants & policyholders to examine & return insurance policies & riders within certain timeframe; authorizes pet insurers to issue policies that exclude coverage on basis of preexisting conditions; provides that pet insurer has specified burden of proof with regard to such exclusions; authorizes pet insurers to issue new policies that impose waiting period for specified illnesses, diseases, or conditions; prohibits pet insurers from issuing policies imposing waiting period for accidents; authorizes pet insurers to require examination after purchase of policy; prohibits pet insurer from requiring medical examination to renew policy; prohibits insurance applicants' eligibility from being based on participation or lack of participation in wellness programs.

Effective Date: 1/1/2026
Last Action: 4/22/2025 - Chapter No. 2025-11
Bill Text: PDF
Senate Committee References:
  1. Fiscal Policy (FP)



Bill History

Date Chamber Action
2/17/2025 House • Filed
2/26/2025 House • Referred to Insurance & Banking Subcommittee
• Referred to Commerce Committee
• Now in Insurance & Banking Subcommittee
3/3/2025 House • Added to Insurance & Banking Subcommittee agenda
3/4/2025 House • 1st Reading (Original Filed Version)
3/5/2025 House • Favorable by Insurance & Banking Subcommittee
3/7/2025 House • Reported out of Insurance & Banking Subcommittee
• Now in Commerce Committee
3/13/2025 House • Added to Commerce Committee agenda
3/17/2025 House • Favorable by Commerce Committee
3/18/2025 House • Reported out of Commerce Committee
• Bill released to House Calendar
• Added to Second Reading Calendar
3/27/2025 House • Bill added to Special Order Calendar (4/3/2025)
4/3/2025 House • Read 2nd time
• Placed on 3rd reading
• Added to Third Reading Calendar
• Read 3rd time
• Passed; YEAS 110, NAYS 0
4/3/2025 Senate • In Messages
4/7/2025 Senate • Referred to Fiscal Policy
4/8/2025 Senate • Received
4/9/2025 Senate • Withdrawn from Fiscal Policy -SJ 387
• Placed on Calendar, on 2nd reading
• Substituted for SB 1226 -SJ 387
• Read 2nd time -SJ 387
• Read 3rd time -SJ 387
• Passed; YEAS 36 NAYS 0 -SJ 387
• Immediately certified -SJ 392
4/9/2025 House • In Messages
• Ordered enrolled
4/11/2025 • Signed by Officers and presented to Governor
4/18/2025 • Approved by Governor
4/22/2025 • Chapter No. 2025-11