N.J. Stat. § 17:46D-9: Wellness programs separate from pet insurance.

7. a. A pet insurer or insurance producer shall not market a wellness program as pet insurance.

b. If a wellness program is sold by a pet insurer or insurance producer:

(1) the purchase of the wellness program shall not be a requirement to the purchase of pet insurance;

(2) the costs of the wellness program shall be separate and identifiable from any pet insurance policy sold by a pet insurer or insurance producer;

(3) a payment transaction for pet insurance shall be separate from a payment transaction for a wellness program;

(4)the terms and conditions for the wellness program shall be separate from any pet insurance policy sold by a pet insurer or insurance producer;

(5)the products or coverages available through the wellness program shall not duplicate products or coverages available through the pet insurance policy; and

(6) the advertising of the wellness program shall not be misleading and shall be in accordance with this subsection.

c. A pet insurer or insurance producer shall clearly disclose to consumers, printed in 12-point boldface type:

(1) that wellness programs are not insurance;

(2) the address and customer service telephone number of the pet insurer or insurance producer, or broker of record; and

(3) the department’s mailing address, toll-free telephone number, and website address.

d. Coverages included in the pet insurance policy contract described as “wellness” benefits are insurance.

L.2025, c.224, s.7.