New York S 10225: Provides for the issuance of pet insurance

Bill Text

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S10225 Summary:

BILL NOS10225 

&nbsp

SAME ASSAME AS A11164

&nbsp

SPONSORBAILEY

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Amd §1113, add §3463, Ins L

&nbsp

Provides for the issuance of pet insurance that provides coverage for accidents and illnesses of pets.

Go to top S10225 Actions:

BILL NOS10225 

&nbsp

05/07/2026REFERRED TO INSURANCE

05/18/20261ST REPORT CAL.1129

05/19/20262ND REPORT CAL.

05/20/2026ADVANCED TO THIRD READING 

06/02/2026SUBSTITUTED BY A11164

&nbspA11164 AMEND= Hunter

&nbsp04/29/2026referred to insurance

&nbsp05/20/2026reported referred to rules

&nbsp05/21/2026reported 

&nbsp05/21/2026rules report cal.190

&nbsp05/21/2026ordered to third reading rules cal.190

&nbsp05/28/2026passed assembly

&nbsp05/28/2026delivered to senate

&nbsp05/28/2026REFERRED TO INSURANCE

&nbsp06/02/2026SUBSTITUTED FOR S10225

&nbsp06/02/20263RD READING CAL.1129

&nbsp06/02/2026PASSED SENATE

&nbsp06/02/2026RETURNED TO ASSEMBLY

Go to topS10225 Committee&nbspVotes:

Go to topS10225 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS10225 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 10225

 IN SENATE

 May 7, 2026
 ___________

 Introduced by Sen. BAILEY -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to providing for the
 issuance of pet insurance

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Paragraph 11 of subsection (a) of section 1113 of the
 2 insurance law is amended to read as follows:
 3 (11) "Animal insurance," means insurance against loss of or damage to
 4 any domesticated or wild animal resulting from any cause. Animal insur-
 5 ance does not include pet insurance, which is inland marine insurance
 6 that provides coverage for accidents and illnesses of pets.
 7 § 2. The insurance law is amended by adding a new section 3463 to read
 8 as follows:
 9 § 3463. Pet insurance. (a) As used in this section, the following
 10 terms shall have the following meanings:
 11 (1) "Chronic condition" means a condition that can be treated or
 12 managed, but not cured.
 13 (2) "Congenital anomaly or disorder" means a condition that is present
 14 from birth, whether inherited or caused by the environment, which may
 15 cause or contribute to illness or disease.
 16 (3) "Hereditary disorder" means an abnormality that is genetically
 17 transmitted from parent to offspring and may cause illness or disease.
 18 (4) "Orthopedic" refers to conditions affecting the bones, skeletal
 19 muscle, cartilage, tendons, ligaments, and joints. It includes, but is
 20 not limited to, elbow dysplasia, hip dysplasia, intervertebral disc
 21 degeneration, patellar luxation, and ruptured cranial cruciate liga-
 22 ments. It does not include cancers or metabolic, hemopoietic, or auto-
 23 immune diseases.
 24 (5) "Pet insurance" means a property insurance policy that provides
 25 coverage for accidents and illnesses of pets.
 26 (6) "Preexisting condition" means any condition for which any of the
 27 following are true prior to the effective date of a pet insurance policy
 28 or during any waiting period:

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD01872-04-6

 S. 10225 2

 1 (A) A veterinarian provided medical advice;
 2 (B) The pet received previous treatment; or
 3 (C) Based on information from verifiable sources, the pet had signs or
 4 symptoms directly related to the condition for which a claim is being
 5 made.
 6 A condition for which coverage is afforded on a policy shall not be
 7 considered a preexisting condition on any renewal of the policy.
 8 (7) "Renewal" means to issue and deliver at the end of an insurance
 9 policy period a policy which supersedes a policy previously issued and
 10 delivered by the same insurer or affiliated insurer and which provides
 11 types and limits of coverage substantially similar to those contained in
 12 the policy being superseded.
 13 (8) "Veterinarian" means an individual who holds a valid license to
 14 practice veterinary medicine under article one hundred thirty-five of
 15 the education law.