AXIS Insurance Company, through its partnership with Fetch Insurance Services, has submitted an update to its pet health insurance program in Maryland. The filing, made under SERFF Tracking Number AXSS-G134459244, outlines new policy forms and revisions designed to offer pet owners greater flexibility in tailoring their coverage. If approved, the changes will take effect on February 8, 2026 for new business and April 24, 2026 for renewals.

The updated program continues to offer reimbursement for medically necessary veterinary services for dogs and cats, but introduces a series of optional exclusion endorsements that allow policyholders to waive coverage for specific treatments. These include dental procedures, sick visit exam fees, physical and complementary therapies, and prescribed medications or supplements. Policyholders choosing to add these exclusions may benefit from lower premiums while limiting coverage in areas they deem unnecessary.

In addition, AXIS is introducing a prescription drug sublimit endorsement. This form defines how reimbursement for prescription drugs will be handled, emphasizing cost savings when policyholders use Fetch-preferred pharmacies. Prescriptions filled through these preferred providers will not be subject to co-pays or sublimits, offering an incentive for policyholders to use Fetch’s pharmacy network.

A revised waiting period endorsement clarifies the definition and treatment of pre-existing conditions and outlines conditions under which pets adopted through shelters or obtained through strategic partners may qualify for waived waiting periods. The update also includes refreshed language around exclusions for pre-existing orthopedic and spinal conditions, congenital issues, and certain reproductive treatments.

Also included is a Wellness and Preventive Care Coverage Endorsement, which reimburses policyholders for routine veterinary services like vaccinations, microchipping, bloodwork, and dental cleanings. This coverage is separate from illness or injury insurance and is not subject to co-pays, deductibles, or the annual policy maximum, though it carries a standalone $1,000 annual limit.