CostByBreedPet insurance law is state law. This index sorts the states by what their law does: states that have adopted the national model law, states with related rules only, and states with no pet insurance specific law at all.
States that have adopted the model law
CaliforniaDelawareFloridaHawaiiLouisianaMaineMarylandMississippiMontanaNebraskaNew HampshireNew JerseyOhioPennsylvaniaRhode IslandVermontWashington
States with related rules only
States with no pet insurance specific law
AlabamaArizonaArkansasColoradoConnecticutDistrict of ColumbiaGeorgiaIllinoisIndianaIowaKansasKentuckyMassachusettsMichiganMinnesotaMissouriNevadaNew YorkNorth CarolinaNorth DakotaOklahomaOregonSouth CarolinaSouth DakotaVirginiaWest VirginiaWisconsinWyoming
Every state page prints the national average premium for context and says plainly that no state average premium is published by any source this site can use. Averages from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data.