New York S 5324: Provides for the issuance of pet insurance

Bill Text

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S05324 Summary:

BILL NOS05324A

&nbsp

SAME ASSAME AS A01433-A

&nbsp

SPONSORBAILEY

&nbsp

COSPNSRCOONEY

&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 S05324 Actions:

BILL NOS05324A

&nbsp

02/20/2025REFERRED TO INSURANCE

05/21/2025AMEND AND RECOMMIT TO INSURANCE

05/21/2025PRINT NUMBER 5324A

06/09/2025COMMITTEE DISCHARGED AND COMMITTED TO RULES

06/09/2025ORDERED TO THIRD READING CAL.1691

06/09/2025SUBSTITUTED BY A1433A

&nbspA01433 AMEND=A Hunter

&nbsp01/09/2025referred to insurance

&nbsp05/13/2025reported 

&nbsp05/15/2025advanced to third reading cal.145

&nbsp05/19/2025amended on third reading 1433a

&nbsp05/27/2025passed assembly

&nbsp05/27/2025delivered to senate

&nbsp05/27/2025REFERRED TO INSURANCE

&nbsp06/09/2025SUBSTITUTED FOR S5324A

&nbsp06/09/20253RD READING CAL.1691

&nbsp06/09/2025PASSED SENATE

&nbsp06/09/2025RETURNED TO ASSEMBLY

&nbsp10/09/2025delivered to governor

&nbsp10/16/2025vetoed memo.34

&nbsp10/17/2025tabled

Go to topS05324 Committee&nbspVotes:

Go to topS05324 Floor&nbspVotes:

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

Go to topS05324 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5324--A

 2025-2026 Regular Sessions

 IN SENATE

 February 20, 2025
 ___________

 Introduced by Sens. BAILEY, COONEY -- read twice and ordered printed,
 and when printed to be committed to the Committee on Insurance --
 committee discharged, bill amended, ordered reprinted as amended and
 recommitted to said committee

 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 35 of subsection (a) of section 1113 of the
 2 insurance law, as renumbered by chapter 369 of the laws of 2024, is
 3 renumbered paragraph 36 and a new paragraph 35 is added to read as
 4 follows:
 5 (35) "Pet insurance" shall have the same meaning as defined in para-
 6 graph five of subdivision (a) of section three thousand four hundred
 7 sixty-three of this chapter, and shall not be considered animal insur-
 8 ance as defined in paragraph eleven of this subsection.
 9 § 2. The insurance law is amended by adding a new section 3463 to read
 10 as follows:
 11 § 3463. Pet insurance. (a) As used in this section, the following
 12 terms shall have the following meanings:
 13 (1) "Chronic condition" means a condition that can be treated or
 14 managed, but not cured.
 15 (2) "Congenital anomaly or disorder" means a condition that is present
 16 from birth, whether inherited or caused by the environment, which may
 17 cause or contribute to illness or disease.
 18 (3) "Hereditary disorder" means an abnormality that is genetically
 19 transmitted from parent to offspring and may cause illness or disease.
 20 (4) "Orthopedic" refers to conditions affecting the bones, skeletal
 21 muscle, cartilage, tendons, ligaments, and joints. It includes, but is
 22 not limited to, elbow dysplasia, hip dysplasia, intervertebral disc
 23 degeneration, patellar luxation, and ruptured cranial cruciate liga-

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD01872-03-5

 S. 5324--A 2

 1 ments. It does not include cancers or metabolic, hemopoietic, or auto-
 2 immune diseases.
 3 (5) "Pet insurance" means a property insurance policy that provides
 4 coverage for accidents and illnesses of pets.
 5 (6) "Preexisting condition" means any condition for which any of the
 6 following are true prior to the effective date of a pet insurance policy
 7 or during any waiting period:
 8 (A) A veterinarian provided medical advice;
 9 (B) The pet received previous treatment; or
 10 (C) Based on information from verifiable sources, the pet had signs or
 11 symptoms directly related to the condition for which a claim is being
 12 made.
 13 A condition for which coverage is afforded on a policy shall not be
 14 considered a preexisting condition on any renewal of the policy.
 15 (7) "Renewal" means to issue and deliver at the end of an insurance
 16