Montana Resident and Nonresident Pet Insurance Requirements
Effective October 1, 2025, Montana resident and nonresident P_roducers who sell, solicit, or negotiate pet insurance products_ _are subject to the requirements below._
- _A producer must be appropriately licensed and complete_ _two hours of training covering the following topics:_
- _Preexisting conditions and waiting periods;_
- _The differences between pet insurance and_ _noninsurance wellness programs;_
- _Hereditary disorders, congenital anomalies or disorders, and chronic conditions and how pet_ _insurance policies interact with those conditions or_ _disorders; and_
- _Rating, underwriting, renewal, and other related administrative topics._
- _The training requirements:_
- _Must be completed once within every 24-month period_ _after the initial training; and_
- _May be approved as CE courses under Title 33,_ _Chapter 17, Part 12._
- _An insurer must ensure that its producers:_
- _Have been appropriately trained on the coverages and _
_conditions of its pet insurance products._
- _Satisfaction of substantially similar training_ _requirements in another state will satisfy these training_ _requirements._
- _An insurer must:_
- _Obtain verification that a producer acting on the insurer's behalf received the required training before the producer is permitted to sell, solicit,_ _or negotiate the _
_insurer's pet insurance products;_
- _Maintain records subject to Montana's record_ _retention requirements; and_
- _Make the verification of the producer's compliance_ _with training requirements available to the_ _Commissioner upon request._