Trupanion filed updates to its pet health insurance program in Rhode Island under American Pet Insurance Company, with changes effective January 1, 2026. The filing introduces new and revised forms to comply with state law H5569, including a 30-day “Right to Return” clause, updated definitions, and a required disclosure stating premiums won’t increase based on the pet’s claim history, age, or zip code. No rate changes were proposed.
The Rhode Island Pet Insurance Act (H5569) creates a legal framework for selling pet insurance in the state, taking effect January 1, 2026. It requires insurers to clearly disclose what’s covered and excluded—like preexisting conditions and hereditary disorders—along with waiting periods, claim processes, and premium changes.
