republic-os/legislation/us/states/fl/2025/hb-655.md

---
type: "Bill"
title: "Pet Insurance and Wellness Programs"
description: "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."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2025"
identifier: "HB 655"
citation: "Florida HB 655 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
chapter_law: "2025-11"
primary_sponsors: ["Tuck"]
version_count: 2
action_count: 35
vote_count: 2
first_action: "2025-02-17"
last_action: "2025-04-22"
source: "openstates"
source_identifier: "ocd-bill/2fd82af7-614e-43bd-8f14-0e6e13697e53"
source_url: "https://flsenate.gov/Session/Bill/2025/655/ByCategory"
source_hash: "304957fe1190e0c8fa816c281e891b11a74d160ef774fca42b82eeb8e36a0ed8"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-fl"]
---

# Florida HB 655 (2025) — Pet Insurance and Wellness Programs

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.

**Enacted** — Laws of Florida, Chapter 2025-11.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **H 655 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2025/655/BillText/Filed/PDF)
2. **H 655 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2025/655/BillText/er/PDF)

## Votes

- Third Reading — **36–0** (pass) · upper
- Passage, Third Reading — **110–0** (pass) · lower

## Sponsors

- Tuck — primary (person)
- Bartleman — cosponsor (person)
- Redondo — cosponsor (person)
- Rosenwald — cosponsor (person)
- Trabulsy — cosponsor (person)
- Valdés — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-17** Filed `filing`
- **2025-02-26** Referred to Insurance & Banking Subcommittee `referral-committee`
- **2025-02-26** Referred to Commerce Committee `referral-committee`
- **2025-02-26** Now in Insurance & Banking Subcommittee
- **2025-03-03** Added to Insurance & Banking Subcommittee agenda
- **2025-03-04** 1st Reading (Original Filed Version) `filing, reading-1`
- **2025-03-05** Favorable by Insurance & Banking Subcommittee `committee-passage-favorable`
- **2025-03-07** Reported out of Insurance & Banking Subcommittee
- **2025-03-07** Now in Commerce Committee
- **2025-03-13** Added to Commerce Committee agenda
- **2025-03-17** Favorable by Commerce Committee `committee-passage-favorable`
- **2025-03-18** Reported out of Commerce Committee
- **2025-03-18** Bill released to House Calendar
- **2025-03-18** Added to Second Reading Calendar
- **2025-03-27** Bill added to Special Order Calendar (4/3/2025)
- **2025-04-03** Read 2nd time `reading-2`
- **2025-04-03** Placed on 3rd reading `reading-3`
- **2025-04-03** Added to Third Reading Calendar
- **2025-04-03** Read 3rd time `reading-3`
- **2025-04-03** Passed; YEAS 110, NAYS 0 `passage`
- **2025-04-03** In Messages
- **2025-04-07** Referred to Fiscal Policy `referral-committee`
- **2025-04-08** Received `enrolled`
- **2025-04-09** Withdrawn from Fiscal Policy `withdrawal`
- **2025-04-09** Placed on Calendar, on 2nd reading
- **2025-04-09** Substituted for SB 1226
- **2025-04-09** Read 2nd time `reading-2`
- **2025-04-09** Read 3rd time `reading-3`
- **2025-04-09** Passed; YEAS 36 NAYS 0 `passage`
- **2025-04-09** Immediately certified
- **2025-04-09** In Messages
- **2025-04-09** Ordered enrolled `enrolled`
- **2025-04-11** Signed by Officers and presented to Governor `executive-receipt`
- **2025-04-18** Approved by Governor `executive-signature`
- **2025-04-22** Chapter No. 2025-11

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/2fd82af7-614e-43bd-8f14-0e6e13697e53`. Confidence: reported (aggregated from official Florida legislature records).