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State statute · California

California Insurance Code, Division 2 Part 9 -- Pet Insurance, complete

Secs. 12880-12880.8

Publisher
California Legislative Counsel
Edition
California Insurance Code, current official text on California Legislative Information...
Last checked
2026-09-17
Status
US state statute
Edition and licensing notes

Publisher. California Legislative Counsel (leginfo.legislature.ca.gov)

Edition. California Insurance Code, current official text on California Legislative Information, the Legislative Counsel of California. The publisher prints no edition or currency statement on the code display pages themselves; the site states it publishes the code as amended and in effect.

Status. US state statute; public domain.

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What this document is

California Insurance Code, Division 2 Part 9 -- Pet Insurance, complete (Secs. 12880-12880.8) is a state statute published by California Legislative Counsel (leginfo.legislature.ca.gov). It is one of the California documents that insurance license exam questions are written from, including california property & casualty, california personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • Cal. Ins. Code § 12880(f) (Definitions, pet insurance)
    ““Preexisting condition” means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.”
  • Cal. Ins. Code § 12880.7(b) (Waiting periods)
    “After disclosure to the consumer, a pet insurer may issue policies that impose waiting periods upon commencement of coverage that do not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. A pet insurance policy shall not impose a waiting period for accidents.”
  • Cal. Ins. Code § 12880.2(j)(2)(A) (Free look period)
    “The period of time set forth by the insurer for return of the policy shall be clearly stated on the notice, and this free look period shall be not less than 30 days. The insured may return the policy to the insurer or the agent through whom the policy was purchased at any time during the free look...”
  • Cal. Ins. Code § 12880.4(a) (Order to show cause; required contents and notice of hearing)
    “Whenever the commissioner shall have reason to believe that a person has engaged or is engaging in this state in a violation of this part, and that a proceeding by the commissioner in respect thereto would be to the interest of the public, he or she shall issue and serve upon that person an order...”
  • Cal. Ins. Code § 12880(e) (Definition of pet insurance)
    ““Pet insurance” means an individual or group property insurance policy that provides coverage for accidents and illnesses of pets, and other veterinary expenses.”
  • Cal. Ins. Code § 12880.7(a) (Preexisting condition exclusion; burden of proof)
    “After disclosure to the consumer, a pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions. A condition for which coverage is afforded on a policy shall not be considered a preexisting condition on a renewal of the policy. The pet insurer has the...”
  • Cal. Ins. Code § 12880.6(c) (Disclosure at issuance; when to contact the department)
    “A statement that the department should be contacted only after discussions with the insurer, or its agent or other representative, have failed to produce a satisfactory resolution of the problem.”
  • Cal. Ins. Code § 12880.4(a) (Order to show cause; required contents)
    “Whenever the commissioner shall have reason to believe that a person has engaged or is engaging in this state in a violation of this part, and that a proceeding by the commissioner in respect thereto would be to the interest of the public, he or she shall issue and serve upon that person an order...”
  • Cal. Ins. Code § 12880(f) (Definition; preexisting condition)
    ““Preexisting condition” means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.”
  • Cal. Ins. Code § 12880.2(j)(2)(C) (Free look period; refund exception where a claim has been paid or will be paid)
    “All premiums paid and any policy fee paid for the policy shall be refunded to the insured within 30 days from the date that the insurer is notified of the cancellation. However, if the insurer has paid any claim, or has advised the insured in writing that a claim will be paid, the 30-day free look...”
  • Cal. Ins. Code § 12880.3(a) (Civil penalty for violation of the Pet Insurance Act)
    “A person who violates a provision of this part is liable to the state for a civil penalty to be determined by the commissioner, not to exceed five thousand dollars ($5,000) for each violation, or, if the violation was willful, a civil penalty not to exceed ten thousand dollars ($10,000) for each violation.”
  • Cal. Ins. Code § 12880(g) (Definitions; “Producer”)
    ““Producer” means a person licensed pursuant to Section 1625 or 1625.5 who transacts pet insurance in California.”

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Questions about this source

California Insurance Code, Division 2 Part 9 -- Pet Insurance, complete (Secs. 12880-12880.8) is a state statute published by California Legislative Counsel (leginfo.legislature.ca.gov). Edition: California Insurance Code, current official text on California Legislative Information, the Legislative Counsel of California. The publisher prints no edition or currency statement on the code display pages themselves; the site states it publishes the code as amended and in effect..

No. This page summarizes the document and links to the official version. Always rely on the text published by California Legislative Counsel (leginfo.legislature.ca.gov) for the current law.

Practice questions for California Property & Casualty, California Personal Lines cite this document.

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