Insurance Fraud Warnings

Last Updated: October 14, 2026

State law requires anyone applying for insurance to be told that insurance fraud is a crime. These are the warnings for each state where WhiskerCover LLC is a licensed insurance agency, as Odie Pet Insurance provides them for the pet insurance policies it administers and that you can buy through our quote tool. Our quote pages show the warning for the state you are quoting in, and when you enroll you agree to your own state’s warning before you buy.

All states

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceal information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties.

California

For your protection California law requires the following to appear on this form. Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Colorado

It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages.

Connecticut

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim containing any false, incomplete, or misleading information may be subject to criminal and civil penalties.

Florida

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Maryland

Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit is guilty of a crime and may be subject to fines and imprisonment.

Michigan

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim containing any false, incomplete, or misleading information may be guilty of a crime.

New Jersey

Any person who knowingly commits insurance fraud is subject to criminal and civil penalties, including imprisonment.

New Mexico

Submitting false or misleading information on an insurance claim is a crime subject to prosecution.

New York

Any person who knowingly provides false information to an insurer may be guilty of insurance fraud and subject to legal penalties.

North Carolina

Knowingly submitting false claims or providing misleading information to obtain insurance benefits is punishable under state law.

Ohio

Any person who, with intent to defraud or knowing that they are facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud, which is a crime.

Pennsylvania

Submitting a fraudulent insurance claim is a criminal offense that may result in legal consequences.

South Carolina

Any person who commits insurance fraud by knowingly providing false information is subject to legal consequences.

South Dakota

Knowingly and willfully misrepresenting facts on an insurance claim constitutes insurance fraud.

Texas

Knowingly submitting a false claim or statement to an insurer is a violation of state insurance law.

Virginia

Any person who knowingly submits a fraudulent insurance claim is guilty of a felony and subject to prosecution.

Washington

Knowingly submitting false, incomplete, or misleading insurance claims is punishable under state law.

Questions

If you have questions about these warnings or an application, email support@whiskercover.com. See also our Terms of Service and state licenses.