Ohio Revised Code Title XXXIX. Insurance § 3970.06

(1) The purchase of the wellness program shall not be a requirement to purchase pet insurance;

(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;

(3) The terms and conditions for the wellness program shall be separate from any pet insurance sold by the pet insurer or agent;

(4) The products or coverage available through the wellness program shall not duplicate products or coverage available through the pet insurance;

(5) The advertising of the wellness program shall not be misleading and shall comply with division (C)(6) of this section;

(6) The pet insurer or agent shall clearly disclose both of the following to consumers:

(D)(1) All coverage included in a pet insurance policy is considered insurance, regardless of whether the coverage is described as a wellness benefit.

(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.

(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.