{"data":{"id":"us-oh/ohio-rev.-code-3970.06","jurisdiction":"us-oh","citation":"Ohio Rev. Code § 3970.06","heading":"Wellness programs.","body":"(A) No pet insurer shall condition eligibility to purchase pet insurance on participation, or lack of participation, in a separate wellness program.\n(B) No pet insurer or agent shall market a wellness program as pet insurance.\n(C) If a wellness program is sold by a pet insurer, all of the following apply:\n(1) The purchase of the wellness program shall not be a requirement to purchase pet insurance;\n(2) The costs of the wellness program shall be separate and identifiable from any premiums or other costs for pet insurance sold by a pet insurer or agent;\n(3) The terms and conditions for the wellness program shall be separate from any pet insurance sold by the pet insurer or agent;\n(4) The products or coverage available through the wellness program shall not duplicate products or coverage available through the pet insurance;\n(5) The advertising of the wellness program shall not be misleading and shall comply with division (C)(6) of this section;\n(6) The pet insurer or agent shall clearly disclose both of the following to consumers:\n(a) That wellness program is not pet insurance;\n(b) The address and customer service telephone number of the pet insurer or agent.\n(D)(1) All coverage included in a pet insurance policy is considered insurance, regardless of whether the coverage is described as a wellness benefit.\n(2) Except as otherwise provided in division (D)(3) of this section, if a wellness program undertakes to indemnify another party, pays a specified amount upon determinable contingencies, or provides coverage for a fortuitous event, the program is transacting the business of insurance and is subject to the requirements of this chapter and all other applicable laws.\n(3) A wellness program contract directly between a service provider and a pet owner that involves only those two parties is not transacting the business of insurance unless the contract has other characteristics of insurance.","path":["Title 39 Insurance","Chapter 3970 Pet insurance"],"source_url":"https://codes.ohio.gov/ohio-revised-code/section-3970.06","current_through":"2025-01-22 (Senate Bill 175 - 135th General Assembly)","vintage":"","retrieved_at":"2026-09-14T19:24:36Z","sha256":"b88da96590d576e8c468714c8c4b2052dca5330b6569b625d35635fda6054eac","source_id":"us-oh","stale":false,"prev":"us-oh/ohio-rev.-code-3970.05","next":"us-oh/ohio-rev.-code-3970.07"},"notice":"GroundRules: Original legal text. Not legal advice."}