Florida · House Bill 655 · 2025 Regular Session

Pet Insurance and Wellness Programs

HB 655 Sponsored by Kaylee Tuck Became law

  1. Introduced Feb 17, 2025
  2. In committee Feb 26, 2025
  3. Passed the House Apr 3, 2025
  4. Passed the Senate Apr 9, 2025
  5. To the governor Apr 11, 2025
  6. Became law Apr 18, 2025

What it does

The legislature's own summary of the bill, or its official long title.

Pet Insurance and Wellness Programs; Requires pet insurers to make certain disclosures to pet insurance applicants & policyholders, including summary of their bases or formulas for determination of claim payments under pet insurance policy; requires pet insurers to disclose certain requirements for required medical examinations of pet; authorizes pet insurance applicants & policyholders to examine & return insurance…

Read the full title (156 words)

Pet Insurance and Wellness Programs; Requires pet insurers to make certain disclosures to pet insurance applicants & policyholders, including summary of their bases or formulas for determination of claim payments under pet insurance policy; requires pet insurers to disclose certain requirements for required medical examinations of pet; authorizes pet insurance applicants & policyholders to examine & return insurance policies & riders within certain timeframe; authorizes pet insurers to issue policies that exclude coverage on basis of preexisting conditions; provides that pet insurer has specified burden of proof with regard to such exclusions; authorizes pet insurers to issue new policies that impose waiting period for specified illnesses, diseases, or conditions; prohibits pet insurers from issuing policies imposing waiting period for accidents; authorizes pet insurers to require examination after purchase of policy; prohibits pet insurer from requiring medical examination to renew policy; prohibits insurance applicants' eligibility from being based on participation or lack of participation in wellness programs.

Every action

35 steps, oldest first, as the legislature records them.

Show the 27 earlier steps
  1. HouseFiled
  2. CommitteeReferred to Insurance & Banking Subcommittee · House Insurance & Banking Subcommittee
  3. CommitteeReferred to Commerce Committee · House Commerce Committee
  4. CommitteeNow in Insurance & Banking Subcommittee · House Insurance & Banking Subcommittee
  5. CommitteeAdded to Insurance & Banking Subcommittee agenda · House Insurance & Banking Subcommittee
  6. House1st Reading (Original Filed Version)
  7. CommitteeFavorable by Insurance & Banking Subcommittee · House Insurance & Banking Subcommittee17–0 vote
  8. CommitteeReported out of Insurance & Banking Subcommittee · House Insurance & Banking Subcommittee
  9. CommitteeNow in Commerce Committee · House Commerce Committee
  10. CommitteeAdded to Commerce Committee agenda · House Commerce Committee
  11. CommitteeFavorable by Commerce Committee · House Commerce Committee24–0 vote
  12. CommitteeReported out of Commerce Committee · House Commerce Committee
  13. HouseBill released to House Calendar
  14. HouseAdded to Second Reading Calendar
  15. HouseBill added to Special Order Calendar (4/3/2025)
  16. HouseRead 2nd time
  17. HousePlaced on 3rd reading
  18. HouseAdded to Third Reading Calendar
  19. HouseRead 3rd time
  20. HousePassed; YEAS 110, NAYS 0
  21. SenateIn Messages
  22. CommitteeReferred to Fiscal Policy · Senate Fiscal Policy
  23. SenateReceived
  24. CommitteeWithdrawn from Fiscal Policy -SJ 387 · Senate Fiscal Policy
  25. SenatePlaced on Calendar, on 2nd reading
  26. SenateSubstituted for SB 1226 -SJ 387
  27. SenateRead 2nd time -SJ 387
  1. SenateRead 3rd time -SJ 387
  2. SenatePassed; YEAS 36 NAYS 0 -SJ 387
  3. SenateImmediately certified -SJ 392
  4. HouseIn Messages
  5. HouseOrdered enrolled
  6. GovernorSigned by Officers and presented to Governor
  7. GovernorApproved by Governor
  8. Chapter No. 2025-11

Roll calls

4 recorded votes: 2 on the floor, 2 in committee. Each shows how every member voted.

Passage; Third Reading · Full House

Passed 110–0
Apr 3, 2025 · journal entry
Yes 110 No 0 Not voting 9
Democrats: 30 yes, 0 no Republicans: 80 yes, 0 no
How each member voted

Yes · 110

Not voting · 9

Third Reading · Full Senate

Passed 36–0
Apr 9, 2025 · journal entry
Yes 36 No 0 Not voting 2
Democrats: 10 yes, 0 no Independents: 1 yes, 0 no Republicans: 25 yes, 0 no
How each member voted

Yes · 36

Excused · 2

Committee and other votes

DateWhereQuestionResult
Mar 5, 2025 House Insurance & Banking Subcommittee Favorable by Insurance & Banking Subcommittee
Members

Yes · 17

Not voting · 1

 Passed 17–0
Mar 17, 2025 House Commerce Committee Favorable by Commerce Committee
Members

Yes · 24

Not voting · 2

 Passed 24–0

Sponsors

The member who introduced it, joined by 5 cosponsors: 3 Republicans, 2 Democrats.

All 5 cosponsors

From Florida's official records (flsenate.gov), checked Nov 14, 2026. Text links go to the official versions; LegiList does not copy bill text.