American Pet Insurance Company is updating its Pets Best pet health insurance policy forms in Rhode Island to comply with state law H5569, effective January 1, 2026. The filing, submitted on August 5, 2025, applies to both new and renewal business and is currently under state review.

Key updates include revised waiting periods (14 days for illnesses, 30 days for cruciate ligament conditions), a new 72-hour “Free Look” refund period, and updated definitions for “Chronic Condition” and “Pre-existing Injury.” The filing also adds definitions for “Pet Insurance” and “Renewal.” No rate changes are included in this forms-only submission.