RI| Rhode Island Insurance Division Bulletin 2026-1 clarifies how Rhode Island interprets the Pet Insurance Act’s prohibition on “marketing” a wellness program during the sale, solicitation, or negotiation of pet insurance, distinguishing it from defined terms “sell,” “solicit,” and “negotiate” in the Producer Licensing Act. “Marketing” is treated as informational activity akin to advertising that stops short of actively selling or urging application for a specific insurance product. The Department states it is permissible for licensees to provide general public-facing materials (such as websites or documents) that explain what pet insurance covers and excludes and to note that excluded items may be available under a wellness plan, and it is also permissible to discuss a wellness plan with a customer after the pet insurance sale transaction is completed. However, offering a separate wellness plan alongside a pet insurance policy at the same time or in the same quote constitutes a violation of the Pet Insurance Act.
Rhode Island Bulletin 2026-1: What Producers Need to Know About Marketing Pet Wellness Programs
Share:
- Bulletin
- Rhode Island
- Department of Insurance