HF 4907

as introduced - 93rd Legislature (2023 - 2024) Posted on 03/13/2024 12:18pm

A bill for an act
relating to travel insurance; providing for the licensing and registration of limited
lines travel insurance producers and travel retailers; providing for the sale and
regulation of travel insurance; amending Minnesota Statutes 2022, section 60K.383;
proposing coding for new law as Minnesota Statutes, chapter 65C.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

Minnesota Statutes 2022, section 60K.383, is amended to read:

60K.383 TRAVEL INSURANCE.

Subdivision 1.

Definitions.

(a) As used in this section, the terms in paragraphs (b) to
deleted text begin (d) deleted text end new text begin (e) new text end have the meanings given.

new text begin (b) "Limited lines travel insurance producer" means a licensed managing general agent
or third-party administrator; licensed insurance producer, including a limited lines producer;
or travel administrator, as defined in section 65C.02, subdivision 13.
new text end

new text begin (c) "Offer and disseminate" means providing general information, including a description
of coverage and price, as well as processing an application and collecting premiums.
new text end

deleted text begin (b) deleted text end new text begin (d) new text end "Travel insurance" means insurance coverage for personal risks incident to planned
travel, including, but not limited to:

(1) interruption or cancellation of trip or event;

(2) loss of baggage or personal effects;

(3) damages to accommodations or rental vehicles; deleted text begin or
deleted text end

(4) sickness, accident, disability, or death occurring during travel deleted text begin . deleted text end new text begin ;
new text end

new text begin (5) emergency evacuation;
new text end

new text begin (6) repatriation of remains; or
new text end

new text begin (7) any other contractual obligations to indemnify or pay a specified amount to the
traveler upon determinable contingencies related to travel, as approved by the commissioner.
new text end

Travel insurance does not include major medical plans, which provide comprehensive
medical protection for travelers with trips lasting six months or longer, including those
working overseas as an expatriate or military personnel being deployed new text begin , or any other product
that requires a specific insurance producer license new text end .

deleted text begin (c) "Travel insurance producer" means an insurer designee, such as a managing general
underwriter, managing general agent, or licensed limited lines producer of travel insurance.
deleted text end

deleted text begin (d) deleted text end new text begin (e) new text end "Travel retailer" means a business entity that deleted text begin offers and disseminates deleted text end new text begin : (1) makes,
arranges, or offers planned travel; and (2) may offer and disseminate new text end travel insurance new text begin as a
service to the travel retailer's customers new text end on behalf of and under the direction of a new text begin limited
lines new text end travel insurance producer.

Subd. 2.

deleted text begin Travel retailer license deleted text end new text begin Licensing and registration new text end .

new text begin (a) The commissioner
may issue a limited lines travel insurance producer license to an individual or business entity
that has filed with the commissioner a limited lines travel insurance producer license
application in a form and manner prescribed by the commissioner. A limited lines travel
insurance producer must be licensed to sell, solicit, or negotiate travel insurance through a
licensed insurer. A person is prohibited from acting as a limited lines travel insurance
producer or travel insurance retailer unless the person is properly licensed or registered.
new text end

new text begin (b) new text end A travel retailer may offer and disseminate travel insurance on behalf of and under
a new text begin limited lines new text end travel insurance producer business entity license only if deleted text begin the travel insurance
producer holds a business entity license, and deleted text end :

deleted text begin (1) the licensed business entity is clearly identified as the licensed producer on marketing
materials and fulfillment packages distributed by travel retailers to customers; identification
shall include the entity's name and contact information;
deleted text end

new text begin (1) the limited lines travel insurance producer or travel retailer provides to travel insurance
purchasers:
new text end

new text begin (i) a description of the material terms or the actual material terms of the insurance
coverage;
new text end

new text begin (ii) a description of the process to file a claim;
new text end

new text begin (iii) a description of the process to review or cancel the travel insurance policy; and
new text end

new text begin (iv) the identity and contact information of the insurer and limited lines travel insurance
producer;
new text end

(2) the deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance producer new text end keeps a register new text begin ,
on a form prescribed by the commissioner, new text end of each travel retailer that offers travel insurance
on the licensed business entity's behalf. The register new text begin must be maintained and updated by
the limited lines travel insurance producer and new text end must include the name new text begin , address, new text end and contact
information of the travel retailer and an officer or person who directs or controls the travel
retailer's operations, and the travel retailer's federal deleted text begin Employer deleted text end new text begin Tax new text end Identification Number.
The deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance producer new text end shall also certify that
the travel retailer registered complies with United States Code, title 18, section 1033. The
deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance producer new text end shall submit the register
within 30 days upon request by the commissioner new text begin . Section 60K.43, subdivisions 1, 3, and
4, apply to the limited lines travel insurance producers and travel retailers new text end ;

(3) the deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance producer new text end has designated
one of its employees deleted text begin as deleted text end new text begin who is new text end a licensed individual producer deleted text begin , deleted text end new text begin as new text end a "designated responsible
producer" or "DRP," responsible for the business entity's compliance with Minnesota
insurance laws and rules;

(4) the DRP, president, secretary, treasurer, and any other officer or person who directs
or controls the deleted text begin licensed business entity's deleted text end new text begin limited lines travel insurance producer's new text end insurance
operations deleted text begin comply deleted text end new text begin complies new text end with the fingerprinting requirements applicable to insurance
producers in the resident state of the deleted text begin business entity deleted text end new text begin limited lines travel insurance producer new text end ;

(5) the deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance producer new text end has paid all
applicable insurance producer licensing fees deleted text begin as deleted text end set forth in Minnesota deleted text begin state deleted text end law; and

(6) the deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance producer new text end requires each
employee new text begin and authorized representative new text end of the travel retailer whose duties include offering
and disseminating travel insurance to receive a program of instruction or training, which
may be subject to review by the commissioner. new text begin The training materials must, at a minimum,
contain adequate instruction regarding the types of insurance offered, ethical sales practices,
and required disclosures to prospective customers.
new text end

new text begin (c) A travel retailer offering or disseminating travel insurance must make available to
prospective purchasers brochures or other written materials that have been approved by the
travel insurer. The materials must include information that, at a minimum:
new text end

new text begin (1) provides the identity and contact information of the insurer and the limited lines
travel insurance producer;
new text end

new text begin (2) explains that a person is not required to purchase travel insurance in order to purchase
any other product or service from the travel retailer; and
new text end

new text begin (3) explains that an unlicensed travel retailer is permitted to provide only general
information about the insurance offered by the travel retailer, including a description of the
coverage and price, but is not qualified or authorized to (i) answer technical questions about
the terms and conditions of the insurance offered by the travel retailer, or (ii) evaluate the
adequacy of the customer's existing insurance coverage.
new text end

new text begin (d) A travel retailer employee or authorized representative who is not licensed as an
insurance producer is prohibited from:
new text end

new text begin (1) evaluating or interpreting the technical terms, benefits, and conditions of the offered
travel insurance coverage;
new text end

new text begin (2) evaluating or providing advice concerning a prospective purchaser's existing insurance
coverage; or
new text end

new text begin (3) representing that the travel retailer employee or authorized representative is a licensed
insurer, licensed producer, or insurance expert.
new text end

Subd. 3.

Offer and dissemination of travel insurance; compensation.

new text begin Notwithstanding
any other law, new text end a travel retailer whose new text begin insurance-related new text end activities, and those of its employees new text begin
and authorized representatives new text end , are limited to offering and disseminating travel insurance
on behalf of and under the direction of a deleted text begin licensed business entity deleted text end new text begin limited lines travel insurance
producer new text end meeting the conditions stated in this section, is authorized to do so and receive
related compensation, upon registration by the deleted text begin licensed business entity. For purposes of this
section, "offering and disseminating" means providing general information, including a
description of the coverage and price, as well as processing the application, collecting
premiums, and performing other nonlicensable activities permitted by the state deleted text end new text begin limited lines
travel insurance producer as provided under subdivision 2, paragraph (b), clause (2) new text end .

Subd. 4.

Insurer designee.

As the deleted text begin insurer deleted text end new text begin insurer's new text end designee, the new text begin limited lines new text end travel
insurance producer is responsible for the acts of the travel retailer new text begin and must use reasonable
means to ensure compliance by the travel retailer with this section and chapter 65C new text end .

new text begin Subd. 5. new text end

new text begin Producers of major lines of insurance. new text end

new text begin A person licensed in a major line of
authority as an insurance producer is authorized to sell, solicit, and negotiate travel insurance.
A property and casualty insurance producer is not required to be appointed by an insurer in
order to sell, solicit, or negotiate travel insurance.
new text end

Sec. 2.

new text begin [65C.01] SCOPE AND PURPOSES.
new text end

new text begin Subdivision 1. new text end

new text begin Purpose. new text end

new text begin The purpose of this chapter is to promote the public welfare
by creating a comprehensive legal framework within which travel insurance may be sold
in Minnesota.
new text end

new text begin Subd. 2. new text end

new text begin Application. new text end

new text begin The requirements of this chapter apply to: (1) travel insurance
that covers any Minnesota resident and is sold, solicited, negotiated, or offered in Minnesota;
and (2) policies and certificates that are delivered or issued for delivery in Minnesota. This
chapter does not apply to cancellation fee waivers or travel assistance services, except as
expressly provided in this chapter.
new text end

new text begin Subd. 3. new text end

new text begin Applicability of other law. new text end

new text begin All other applicable provisions of Minnesota
insurance law apply to travel insurance, except that this chapter supersedes any general
provisions of law that would otherwise apply to travel insurance.
new text end

Sec. 3.

new text begin [65C.02] DEFINITIONS.
new text end

new text begin Subdivision 1. new text end

new text begin Application. new text end

new text begin For purposes of this chapter, the following terms have the
meanings given.
new text end

new text begin Subd. 2. new text end

new text begin Aggregator site. new text end

new text begin "Aggregator site" means a website that provides access to
information, including product and insurer information, regarding insurance products from
more than one insurer for use in comparison shopping.
new text end

new text begin Subd. 3. new text end

new text begin Blanket travel insurance. new text end

new text begin "Blanket travel insurance" means a travel insurance
policy issued to any eligible group providing coverage for specific classes of persons defined
in the policy, with coverage provided to all members of the eligible group without a separate
charge to individual members of the eligible group.
new text end

new text begin Subd. 4. new text end

new text begin Cancellation fee waiver. new text end

new text begin "Cancellation fee waiver" means a contractual
agreement between a travel services supplier and the travel services supplier's customer to
waive some or all of the nonrefundable cancellation fee provisions of the supplier's underlying
travel contract, with or without regard to the reason for the cancellation or form of
reimbursement. A cancellation fee waiver is not insurance.
new text end

new text begin Subd. 5. new text end

new text begin Commissioner. new text end

new text begin "Commissioner" means the commissioner of commerce.
new text end

new text begin Subd. 6. new text end

new text begin Eligible group. new text end

new text begin "Eligible group" means two or more persons who are engaged
in a common enterprise or have an economic, educational, or social affinity or relationship,
including but not limited to:
new text end

new text begin (1) any entity engaged in the business of providing travel or travel services, including
but not limited to: (i) tour operators, lodging providers, vacation property owners, hotels
and resorts, travel clubs, travel agencies, property managers, cultural exchange programs,
and common carriers; or (ii) the operator, owner, or lessor of a means of transporting
passengers, including but not limited to airlines, cruise lines, railroads, steamship companies,
and public bus carriers, wherein with regard to any particular travel or type of travel or
travelers all members or customers of the group must have a common exposure to risk
attendant to the travel;
new text end

new text begin (2) a college, school, or other institution of learning covering students, teachers,
employees, or volunteers;
new text end

new text begin (3) an employer covering a group of employees, volunteers, contractors, board of
directors, dependents, or guests;
new text end

new text begin (4) a sports team, camp, or sports team or camp sponsor covering participants, members,
campers, employees, officials, supervisors, or volunteers;
new text end

new text begin (5) a religious, charitable, recreational, educational, civic organization, or branch of a
religious, charitable, recreational, educational, or civic organization covering any group of
members, participants, or volunteers;
new text end

new text begin (6) a financial institution, financial institution vendor, parent holding company, trustee,
or agent or designee of one or more financial institutions or financial institution vendors,
including account holders, credit card holders, debtors, guarantors, or purchasers;
new text end

new text begin (7) an incorporated or unincorporated association, including labor unions, that has a
common interest, constitution, and bylaws, and is organized and maintained in good faith
for purposes other than obtaining insurance for members or participants of the association
covering the association's members;
new text end

new text begin (8) a trust or the trustees of a fund established, created, or maintained for the benefit of
and covering members, employees, or customers, subject to the commissioner's permitting
the use of a trust and the state's premium tax provisions under section 65C.03 of one or
more associations meeting the requirements under clause (7);
new text end

new text begin (9) an entertainment production company covering a group of participants, volunteers,
audience members, contestants, or workers;
new text end

new text begin (10) a volunteer fire department, ambulance, rescue, police, court, first aid, civil defense,
or other volunteer group;
new text end

new text begin (11) a preschool, day care institution for children or adults, or senior citizen club;
new text end

new text begin (12) an automobile or truck rental or leasing company covering a group of individuals
who may become renters, lessees, or passengers as defined by the group of individuals'
travel status on the rented or leased vehicles. The common carrier, operator, owner or lessor
of a means of transportation, or automobile or truck rental or leasing company is the
policyholder under a policy governed by this section; or
new text end

new text begin (13) any other group the commissioner determines (i) is engaged in a common enterprise
or has an economic, educational, or social affinity or relationship, and (ii) that policy issuance
is contrary to the public interest.
new text end

new text begin Subd. 7. new text end

new text begin Fulfillment materials. new text end

new text begin "Fulfillment materials" means documentation sent to
the purchaser of a travel protection plan that confirms the purchase and provides the travel
protection plan's coverage and assistance details.
new text end

new text begin Subd. 8. new text end

new text begin Group travel insurance. new text end

new text begin "Group travel insurance" means travel insurance
issued to any eligible group.
new text end

new text begin Subd. 9. new text end

new text begin Limited lines travel insurance producer. new text end

new text begin "Limited lines travel insurance
producer" has the meaning given in section 60K.383, subdivision 1, paragraph (b).
new text end

new text begin Subd. 10. new text end

new text begin Offer and disseminate. new text end

new text begin "Offer and disseminate" has the meaning given in
section 60K.383, subdivision 1, paragraph (c).
new text end

new text begin Subd. 11. new text end

new text begin Primary certificate holder. new text end

new text begin "Primary certificate holder" means an individual
person who elects and purchases travel insurance under a group policy.
new text end

new text begin Subd. 12. new text end

new text begin Primary policyholder new text end

new text begin "Primary policyholder" means an individual person
who elects and purchases individual travel insurance.
new text end

new text begin Subd. 13. new text end

new text begin Travel administrator. new text end

new text begin "Travel administrator" means a person who directly
or indirectly underwrites; collects charges, collateral, or premiums from; or adjusts or settles
claims on residents of Minnesota in connection with travel insurance, except that a person
is not considered a travel administrator if the person's only actions that otherwise cause the
person to be considered a travel administrator are:
new text end

new text begin (1) a person working for a travel administrator, to the extent that the person's activities
are subject to the travel administrator's supervision and control;
new text end

new text begin (2) an insurance producer selling insurance or engaged in administrative and
claims-related activities within the scope of the producer's license;
new text end

new text begin (3) a travel retailer offering and disseminating travel insurance and registered under the
license of a limited lines travel insurance producer under this chapter;
new text end

new text begin (4) an individual adjusting or settling claims in the normal course of the individual's
practice or employment as an attorney-at-law and who does not collect charges or premiums
in connection with insurance coverage; or
new text end

new text begin (5) a business entity that is affiliated with a licensed insurer while acting as a travel
administrator for the direct and assumed insurance business of an affiliated insurer.
new text end

new text begin Subd. 14. new text end

new text begin Travel assistance services. new text end

new text begin "Travel assistance services" means noninsurance
services for which the consumer is not indemnified based on a fortuitous event and where
providing the service does not result in transfer or shifting of risk that would constitute the
business of insurance. Travel assistance services include but are not limited to: security
advisories; destination information; vaccination and immunization information services;
travel reservation services; entertainment; activity and event planning; translation assistance;
emergency messaging; international legal and medical referrals; medical case monitoring;
coordination of transportation arrangements; emergency cash transfer assistance; medical
prescription replacement assistance; passport and travel document replacement assistance;
lost luggage assistance; concierge services; and any other service that is furnished in
connection with planned travel. Travel assistance services are not insurance and not related
to insurance.
new text end

new text begin Subd. 15. new text end

new text begin Travel insurance. new text end

new text begin "Travel insurance" has the meaning given in section
60K.383, subdivision 1, paragraph (d).
new text end

new text begin Subd. 16. new text end

new text begin Travel protection plan. new text end

new text begin "Travel protection plan" means a plan that provides
travel insurance, travel assistance services, or cancellation fee waivers.
new text end

new text begin Subd. 17. new text end

new text begin Travel retailer. new text end

new text begin "Travel retailer" has the meaning given in section 60K.383,
subdivision 1, paragraph (e).
new text end

Sec. 4.

new text begin [65C.03] PREMIUM TAX.
new text end

new text begin Subdivision 1. new text end

new text begin Payment required. new text end

new text begin A travel insurer must pay the premium tax provided
under section 297I.05 on travel insurance premiums paid by:
new text end

new text begin (1) an individual primary policyholder who is a resident of Minnesota;
new text end

new text begin (2) a primary certificate holder who is a resident of Minnesota who elects coverage under
a group travel insurance policy; or
new text end

new text begin (3) a blanket travel insurance policyholder that is a resident of, or has the policyholder's
principal place of business or the principal place of business of an affiliate or subsidiary
that has purchased blanket travel insurance in, Minnesota for eligible blanket group members,
subject to any apportionment rules which apply to the insurer across multiple taxing
jurisdictions or that permit the insurer to allocate premium on an apportioned basis in a
reasonable and equitable manner in the taxing jurisdictions.
new text end

new text begin Subd. 2. new text end

new text begin Additional information required. new text end

new text begin A travel insurer must:
new text end

new text begin (1) document the state of residence or principal place of business of the policyholder or
certificate holder, as required under subdivision 1; and
new text end

new text begin (2) report as premium only the amount allocable to travel insurance and not any amounts
received for travel assistance services or cancellation fee waivers.
new text end

Sec. 5.

new text begin [65C.04] TRAVEL PROTECTION PLANS.
new text end

new text begin A travel protection plan may be offered for one price for the combined features that the
travel protection plan offers in Minnesota if:
new text end

new text begin (1) the travel protection plan (i) clearly discloses to the consumer, at or prior to the time
the travel protection plan is purchased, that the travel protection plan includes travel
insurance, travel assistance services, and cancellation fee waivers as applicable, and (ii)
provides information and an opportunity, at or prior to the time the travel protection plan
is purchased, for the consumer to obtain additional information regarding the features and
pricing of the travel insurance, travel assistance services, and cancellation fee waivers; and
new text end

new text begin (2) the fulfillment materials:
new text end

new text begin (i) describe and delineate the travel insurance, travel assistance services, and cancellation
fee waivers in the travel protection plan; and
new text end

new text begin (ii) include the travel insurance disclosures and the contact information for the persons
providing travel assistance services and cancellation fee waivers, as applicable.
new text end

Sec. 6.

new text begin [65C.05] SALES PRACTICES.
new text end

new text begin Subdivision 1. new text end

new text begin Other applicable law. new text end

new text begin Except as otherwise provided in this section, a
person offering travel insurance to residents of Minnesota is subject to sections 72A.17 to
72A.32. If this chapter conflicts with chapters 59A to 79A regarding the sale and marketing
of travel insurance and travel protection plans, this chapter prevails.
new text end

new text begin Subd. 2. new text end

new text begin Illusory travel insurance. new text end

new text begin Offering or selling a travel insurance policy that
could never result in payment of any claims for any insured under the policy is an unfair
trade practice under sections 72A.17 to 72A.32.
new text end

new text begin Subd. 3. new text end

new text begin Marketing. new text end

new text begin (a) All documents provided to consumers before purchasing travel
insurance, including but not limited to sales materials, advertising materials, and marketing
materials, must be consistent with the travel insurance policy, including but not limited to
forms, endorsements, policies, rate filings, and certificates of insurance.
new text end

new text begin (b) A person that offers travel insurance policies or certificates that contain preexisting
condition exclusions must, at any time before the insurance is purchased, provide a consumer
information and an opportunity to learn more about the preexisting condition exclusions.
The information about preexisting condition exclusions must be included in the insurance
policy's coverage fulfillment materials.
new text end

new text begin (c) The fulfillment materials and the information described in section 60K.383,
subdivision 2, paragraph (b), must be provided to a policyholder or certificate holder as
soon as practicable following the purchase of a travel protection plan. Unless the insured
has either started a covered trip or filed a claim under the travel insurance coverage, a
policyholder or certificate holder may cancel a policy or certificate for a full refund of the
travel protection plan price from the date a travel protection plan is purchased until at least:
new text end

new text begin (1) 15 days after the date the travel protection plan's fulfillment materials are delivered
by mail; or
new text end

new text begin (2) ten days after the date the travel protection plan's fulfillment materials are delivered
by means other than mail.
new text end

new text begin (d) For the purposes of this section, "delivery" means handing fulfillment materials to
the policyholder or certificate holder or sending fulfillment materials by mail or electronic
means to the policyholder or certificate holder.
new text end

new text begin (e) The company must disclose in the policy documentation and fulfillment materials
whether the travel insurance is primary or secondary to other applicable coverage.
new text end

new text begin (f) If travel insurance is marketed directly to a consumer through an insurer's website
or by others through an aggregator site, it is not an unfair trade practice or other violation
of law if an accurate summary or short description of coverage is provided on the web page,
provided the consumer has access to all of the policy's full provisions through electronic
means.
new text end

new text begin Subd. 4. new text end

new text begin Opt out. new text end

new text begin A person offering, soliciting, or negotiating travel insurance or travel
protection plans on an individual or group basis is prohibited from offering, soliciting, or
negotiating travel insurance or travel protection plans by using negative option or opting
out that requires a consumer to take an affirmative action to deselect coverage, including
by limited to unchecking a box on an electronic form, when the consumer purchases a trip.
new text end

new text begin Subd. 5. new text end

new text begin Other prohibitions. new text end

new text begin It is an unfair trade practice for a person to market blanket
travel insurance coverage as free of cost.
new text end

new text begin Subd. 6. new text end

new text begin Coverage required by other jurisdictions. new text end

new text begin If a consumer's destination
jurisdiction requires insurance coverage, it is not an unfair trade practice for a person to
require that a consumer choose between the following options as a condition of purchasing
a trip or travel package:
new text end

new text begin (1) purchasing the coverage required by the destination jurisdiction through the travel
retailer or limited lines travel insurance producer supplying the trip or travel package; or
new text end

new text begin (2) agreeing to obtain and provide proof of coverage that meets the destination
jurisdiction's requirements prior to departure.
new text end

Sec. 7.

new text begin [65C.06] TRAVEL ADMINISTRATORS.
new text end

new text begin (a) Notwithstanding chapters 59A to 79A, a person is prohibiting from acting as or
representing that the person is a travel administrator for travel insurance in Minnesota unless
the person:
new text end

new text begin (1) is a licensed property and casualty insurance producer in Minnesota for activities
permitted under the property and casualty insurance producer license;
new text end

new text begin (2) holds a valid managing general agent license in Minnesota; or
new text end

new text begin (3) holds a valid third-party administrator license in Minnesota.
new text end

new text begin (b) A travel administrator and the travel administrator's employees are exempt from the
licensing requirements of chapter 72B for travel insurance the travel administrator
administers.
new text end

new text begin (c) An insurer is responsible for the acts of a travel administrator administering travel
insurance underwritten by the insurer and is responsible for ensuring that the travel
administrator maintains all books and records relevant to the insurer that the travel
administrator must make available to the commissioner upon request.
new text end

Sec. 8.

new text begin [65C.07] POLICY.
new text end

new text begin (a) Notwithstanding chapters 59A to 79A, travel insurance is classified and filed for
purposes of rates and forms under an inland marine line of insurance. Notwithstanding this
paragraph, travel insurance that provides coverage for (i) sickness, accident, disability, or
death occurring during travel, either exclusively or in conjunction with related emergency
evacuation or repatriation of remains coverage, or (ii) incidental limited property and casualty
benefits, including baggage or trip cancellation, may be filed under either an accident and
health line of insurance or an inland marine line of insurance.
new text end

new text begin (b) Travel insurance may be offered and issued in the form of an individual, group, or
blanket policy.
new text end

new text begin (c) Eligibility and underwriting standards for travel insurance may be developed and
provided based on travel protection plans designed for individual or identified marketing
or distribution channels, provided the standards also meet the underwriting standards for
inland marine under Minnesota law.
new text end

Sec. 9.

new text begin [65C.08] REGULATIONS.
new text end

new text begin The commissioner may adopt regulations to implement this chapter.
new text end

Sec. 10. new text begin EFFECTIVE DATE.
new text end

new text begin Sections 1 to 9 are effective 90 days following the date of final enactment.
new text end