MT| The Montana Insurance Commissioner released a January 14, 2026 Advisory Memorandum clarifying how Montana’s new Pet Insurance Act should be applied in practice, focusing on what constitutes “marketing” of non‑insurance pet wellness programs and minimum disclosure standards for the free look period under pet insurance policies.
Key Points:
- Nonbinding agency interpretation: The memorandum is an interpretive advisory only, does not alter or limit statutory requirements or the Commissioner’s authority, and market participants are encouraged to seek independent legal counsel for specific applications.
- Marketing of wellness programs: Discussing, explaining, or answering questions about non‑insurance pet wellness products during a pet insurance sale is permitted and not considered “marketing” so long as carriers and producers comply with Section 6(2)(a)-(f), act in good faith, and avoid practices that could harm consumers.
- Free look period minimums: The required 15‑day right to examine-and-return (free look) for Montana pet insurance policies is a minimum standard; insurers may offer a longer period (for example, 30 days) if they choose.