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Maine Revised Statutes Title 24-A. Maine Insurance Code § 3157. Wellness programs

Current as of January 01, 2025 | Updated by Findlaw Staff

1. Marketing. An insurer or insurance producer may not:

A. Market a wellness program as pet insurance; or

B. Market a wellness program during the sale, solicitation or negotiation of pet insurance.

2. Sale of wellness program. If a wellness program is sold by an insurer or insurance producer, the following requirements apply:

A. The purchase of a wellness program may not be a requirement of the purchase of pet insurance;

B. The costs of a wellness program must be separate and identifiable from any pet insurance policy sold by an insurer or insurance producer;

C. The terms and conditions for a wellness program must be separate from any pet insurance policy sold by an insurer or insurance producer;

D. The products or coverages available through a wellness program may not duplicate products or coverages available through the pet insurance policy; and

E. The advertising of a wellness program may not be misleading and must differentiate the wellness program from pet insurance.

3. Disclosure. An insurer or insurance producer shall clearly disclose the following to consumers of wellness program products, printed in 12-point boldface type:

A. That wellness programs are not insurance;

B. The bureau's mailing address and toll-free telephone number and a link to the bureau's publicly accessible website; and

C. The address and customer service telephone number of the insurer or the producer of record.

4. Wellness benefits. Any coverages included in a pet insurance policy contract described as “wellness benefits” are considered insurance. If a wellness program undertakes to indemnify another party, pays a specified amount upon determinable contingencies or provides coverage for a fortuitous event, it is transacting the business of insurance and is subject to the requirements of this Title, except that a contract directly between a service provider and a pet owner that involves only those 2 parties is not transacting the business of insurance unless other indications of insurance also exist.

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Cite this article: FindLaw.com - Maine Revised Statutes Title 24-A. Maine Insurance Code § 3157. Wellness programs - last updated January 01, 2025 | https://codes.findlaw.com/me/title-24-a-maine-insurance-code/me-rev-st-tit-24-a-sect-3157/

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