# Florida HB 655: Pet Insurance and Wellness Programs Florida HB 655, Pet Insurance and Wellness Programs, is a 2025 House bill sponsored by Kaylee Tuck (Republican); status signed, last action 2025-04-22 (Chapter No. 2025-11); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/FL-HB655-2025 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Florida HB 655 - State: Florida - Session: 2025 - Title: Pet Insurance and Wellness Programs - Status: signed - Chamber: House - Introduced: 2025-02-17 - Last action: 2025-04-22, Chapter No. 2025-11 - Sponsor: Kaylee Tuck (Republican) - Cosponsors: 0 - Subjects: Appropriation, Insurance & Banking Subcommittee, Commerce Committee, Fiscal Policy - Touches household money: yes - Roll calls: 2 (146 yes, 0 no in all) - Economic provisions PRIA read: 5 ## Summary No summary available. ## Bill overview: provisions PRIA read - Clearer costs for pet insurance buyers: benefit, low. Beginning January 1, 2026, pet insurers must explain exclusions, deductibles, coinsurance, annual and lifetime limits, and factors affecting coverage or premiums. They must identify exclusions for chronic, congenital, hereditary, and preexisting conditions, list other exclusions, and disclose any d… - Pet insurance buyers get refund rights: benefit, low. Beginning January 1, 2026, you can return a pet insurance policy or rider within 30 days after receiving it. You can return it for any reason and get your premium refunded, provided you have not filed a claim. The insurer must refund the premium within 30 days after receiving the returned document.… - Pet wellness plans stay separate: benefit, low. Beginning January 1, 2026, separate subscription or reimbursement programs for general pet health are wellness programs, not insurance. Programs making insurance-like promises to pay for chance events are subject to Florida insurance rules. A direct contract involving only a pet owner and service p… - Property policies can include pet coverage: benefit, low. Beginning January 1, 2026, homeowners and related property policies can include incidental pet insurance for accidents and illnesses. Pet insurance reimburses veterinary advice, diagnosis, care, or treatment for accidents, illnesses, or diseases. Florida’s pet insurance rules cover policies issued… - Pet coverage protections come with limits: mixed, medium. Beginning January 1, 2026, new pet policies cannot impose accident waiting periods. Illness, disease, and non-accident orthopedic waiting periods cannot exceed 30 days. Insurers must allow a veterinary exam to waive a waiting period, without exam requirements that unreasonably block that option. Th… ## Sponsors and cosponsors - Sponsor: Kaylee Tuck (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-09 | Senate | Senate Floor Vote | pass | 36 | 0 | | | 2025-04-03 | House | House Floor Vote | pass | 110 | 0 | | ## Actions (35) - 2025-04-22: Chapter No. 2025-11 - 2025-04-18: Approved by Governor - 2025-04-11: Signed by Officers and presented to Governor - 2025-04-09: Ordered enrolled (House) - 2025-04-09: In Messages (House) - 2025-04-09: Immediately certified -SJ 392 (Senate) - 2025-04-09: Passed; YEAS 36 NAYS 0 -SJ 387 (Senate) - 2025-04-09: Read 3rd time -SJ 387 (Senate) - 2025-04-09: Read 2nd time -SJ 387 (Senate) - 2025-04-09: Substituted for SB 1226 -SJ 387 (Senate) - 2025-04-09: Placed on Calendar, on 2nd reading (Senate) - 2025-04-09: Withdrawn from Fiscal Policy -SJ 387 (Senate) - 2025-04-08: Received (Senate) - 2025-04-07: Referred to Fiscal Policy (Senate) - 2025-04-03: In Messages (Senate) - 2025-04-03: Passed; YEAS 110, NAYS 0 (House) - 2025-04-03: Read 3rd time (House) - 2025-04-03: Added to Third Reading Calendar (House) - 2025-04-03: Placed on 3rd reading (House) - 2025-04-03: Read 2nd time (House) - 2025-03-27: Bill added to Special Order Calendar (4/3/2025) (House) - 2025-03-18: Added to Second Reading Calendar (House) - 2025-03-18: Bill released to House Calendar (House) - 2025-03-18: Reported out of Commerce Committee (House) - 2025-03-17: Favorable by Commerce Committee (House) - 2025-03-13: Added to Commerce Committee agenda (House) - 2025-03-07: Now in Commerce Committee (House) - 2025-03-07: Reported out of Insurance & Banking Subcommittee (House) - 2025-03-05: Favorable by Insurance & Banking Subcommittee (House) - 2025-03-04: 1st Reading (Original Filed Version) (House) - 2025-03-03: Added to Insurance & Banking Subcommittee agenda (House) - 2025-02-26: Now in Insurance & Banking Subcommittee (House) - 2025-02-26: Referred to Commerce Committee (House) - 2025-02-26: Referred to Insurance & Banking Subcommittee (House) - 2025-02-17: Filed (House) ## Bill text - er, 2026-01-01: [PDF](https://www.flsenate.gov/Session/Bill/2025/655/BillText/er/PDF) - Filed, 2025-02-17: [PDF](https://www.flsenate.gov/Session/Bill/2025/655/BillText/Filed/PDF) ## Related bills - HB 1427: Nursing Education Programs (vetoed) - HB 1095: Criminal Offender Substance Abuse Program (vetoed) - HB 6017: Recovery of Damages for Medical Negligence Resulting in Death (vetoed) - HB 1445: Public Officers and Employees (vetoed) - HB 11: Municipal Water and Sewer Utility Rates (vetoed) - HB 5015: State Group Insurance (vetoed) ## Sources - [er (PDF)](https://www.flsenate.gov/Session/Bill/2025/655/BillText/er/PDF) - [Filed (PDF)](https://www.flsenate.gov/Session/Bill/2025/655/BillText/Filed/PDF) ## Related - [HB 1427: Nursing Education Programs](https://policyrisk.com/state-bill/FL-HB1427-2025) - [HB 1095: Criminal Offender Substance Abuse Program](https://policyrisk.com/state-bill/FL-HB1095-2025) - [HB 6017: Recovery of Damages for Medical Negligence Resulting in Death](https://policyrisk.com/state-bill/FL-HB6017-2025) - [HB 1445: Public Officers and Employees](https://policyrisk.com/state-bill/FL-HB1445-2025) - [HB 11: Municipal Water and Sewer Utility Rates](https://policyrisk.com/state-bill/FL-HB11-2025) - [HB 5015: State Group Insurance](https://policyrisk.com/state-bill/FL-HB5015-2025) - [Florida bills](https://policyrisk.com/states/florida/bills) - [Florida state hub](https://policyrisk.com/states/florida) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/FL-HB655-2025 (as of 2026-10-17).