Delaware § 8806 - Sales practices for wellness programs.
Full text of Delaware Delaware Code § 8806 — Sales practices for wellness programs., with citation guidance and answers to common questions.
§ 8806. Sales practices for wellness programs.
(a) A pet insurer or insurance producer may not market a wellness program as pet insurance.
(1) If a wellness program undertakes to indemnify or pay another as to loss from a certain specified contingency or peril, or to pay or grant a specified amount or determinable benefit in connection with an ascertainable risk contingency, the wellness program is transacting in the business of insurance and is subject to the Insurance Code.
(2) The definition for “wellness program” under § 8803 of this title does not classify a contract directly between a service provider and a pet owner that involves only the 2 parties as being “the business of insurance,” unless another indication of insurance also exists.
(b) If a pet insurer or insurance producer sells a wellness program, all of the following apply:
(1) The purchase of the wellness program must not be a requirement to the purchase of pet insurance.
(2) The cost of the wellness program must be separate and identifiable from a pet insurance policy that a pet insurer or insurance producer sells.
(3) The terms and conditions for the wellness program must be separate from a pet insurance policy that a pet insurer or insurance producer sells.
(4) A product or coverage available through the wellness program may not duplicate a product or coverage available through the pet insurance policy.
(5) The advertising of the wellness program must not be misleading and must meet the requirements of this subsection.
(6) A pet insurer or producer shall clearly disclose all of the following to consumers, printed in 12-point boldface type:
a. That a wellness program is not insurance.
b. The address and customer service telephone number of the pet insurer or insurance producer or broker of record.
c. The Department of Insurance’s mailing address, toll-free telephone number, and website address.
(c) Coverage included in a pet insurance policy contract described as a “wellness” benefit is insurance.
84 Del. Laws, c. 184, § 1;Frequently Asked Questions About Delaware § 8806
What does Delaware Code § 8806 cover?
Section 8806 ("Sales practices for wellness programs.") is part of the Delaware Code, the codified statutory law of Delaware. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Delaware § 8806?
A common citation format is "Delaware Code § 8806" (Delaware). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Delaware law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Delaware official source linked on this page or consult a licensed Delaware attorney.
How does Delaware § 8806 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Delaware can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Delaware.