Ohio Code § 3970.05
Ohio Code § 3970.05. Reproduced from the official Ohio Revised Code, with a citation summary, verification link, and related provisions.
§ 3970.05.
(A) A pet insurance policy may exclude coverage on the basis of one or more preexisting
conditions so long as the pet insurer discloses the exclusion as required by section 3970.04 of the Revised Code . The pet insurer has the burden of proving that the preexisting condition exclusion
applies to the condition for which a claim is made. (B) A condition for which coverage is afforded under a pet insurance policy shall not
be considered a preexisting condition under any renewal of that policy. (C) A pet insurer may issue a pet insurance policy that imposes a waiting period upon
effectuation of the policy, subject to all of the following conditions: (1) The waiting period shall not exceed thirty days for illnesses or orthopedic conditions
not resulting from an accident. (2) The waiting period shall not apply to an accident. (3) The policy contract shall allow the waiting period to be waived upon completion of
a medical examination, to which all of the following apply: (a) The pet insurer may require the examination to be conducted by a licensed veterinarian
after the purchase of the policy. (b) The medical examination shall be paid for by the policyholder, unless the policy
contract specifies that the pet insurer will pay for the examination. (c) The pet insurer may specify elements to be included as part of the examination and
require documentation thereof, provided the specifications do not unreasonably restrict
a consumer's ability to waive the waiting period. (4) The waiting period and all associated requirements are clearly and prominently disclosed
to the consumer prior to the purchase of the pet insurance policy. (5) The waiting period shall not be applied to a renewal of existing coverage.
Source: official Ohio text · Last verified 2026-08-27
At a glance
- Citation: Ohio Revised Code § 3970.05
- Jurisdiction: Ohio
- Code: Ohio Revised Code
- Text: transcribed from the official source (verify below)
Verify the text
Statute text is transcribed from the official Ohio Revised Code. Confirm it against the primary source before relying on it:
Not legal advice. Verify against the official source and consult a licensed Ohio attorney.
Common questions
What is the source of Ohio Revised Code § 3970.05?
The text above is transcribed from the Ohio Revised Code, the codified statutes of Ohio. The official publisher link appears under "Verify the text" on this page.
What subject does Ohio Revised Code § 3970.05 address?
It addresses the rule set out in the section text. Read the section together with the surrounding provisions listed under "Nearby provisions" for the full picture.
Is Ohio Revised Code § 3970.05 still in force?
Statutes are amended, repealed, and renumbered every session. Confirm the current version at the official Ohio source before relying on this text.
Can this page be used as legal advice?
No. This is a reference transcription for research. Applying Ohio law to your facts requires a licensed Ohio attorney who can review the specifics.