2026 Minnesota Statutes
65C.02 DEFINITIONS.
Subdivision 1.Application.
For purposes of this chapter, the following terms have the meanings given.
Subd. 2.Aggregator site.
"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.
Subd. 3.Blanket travel insurance.
"Blanket travel insurance" means a travel insurance policy issued to an 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.
Subd. 4.Cancellation fee waiver.
"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 contained in 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.
Subd. 6.Eligible group.
"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:
(1) an entity engaged in the business of providing travel or travel services, including but not limited to:
(i) a tour operator, lodging provider, vacation property owner, hotel, resort, travel club, travel agency, property manager, cultural exchange program, and common carrier; or
(ii) the operator, owner, or lessor of a means of transporting passengers, including but not limited to an airline, cruise line, railroad, steamship company, and public bus carrier, if all group members or customers have a common exposure to the risk attendant to the particular type of travel;
(2) a college, school, or other institution of learning covering students, teachers, employees, or volunteers;
(3) an employer covering a group of employees, volunteers, contractors, board of directors, dependents, or guests;
(4) a sports team, camp, or sports team or camp sponsor covering participants, members, campers, employees, officials, supervisors, or volunteers;
(5) a religious, charitable, recreational, educational, or civic organization, or branch of a religious, charitable, recreational, educational, or civic organization, covering any group of members, participants, or volunteers;
(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;
(7) an incorporated or unincorporated association, including a labor union, that (i) has a common interest, constitution, and bylaws, and (ii) 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;
(8) a trust or the trustees of a fund established, created, or maintained for the benefit of and to cover members, employees, or customers, subject to the commissioner authorizing the use of a trust by one or more associations meeting the requirements under clause (7);
(9) an entertainment production company covering a group of participants, volunteers, audience members, contestants, or workers;
(10) a volunteer fire department, ambulance, rescue, police, court, first aid, civil defense, or other volunteer group;
(11) a preschool, day care institution for children or adults, or senior citizen club;
(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
(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) for which policy issuance is not contrary to the public interest.
Subd. 7.Fulfillment materials.
"Fulfillment materials" means documentation sent to a person who purchases a travel protection plan that confirms the purchase and provides the travel protection plan's coverage and assistance details.
Subd. 8.Group travel insurance.
"Group travel insurance" means travel insurance issued to an eligible group.
Subd. 9.Limited lines travel insurance producer.
"Limited lines travel insurance producer" has the meaning given in section 60K.383, subdivision 1, paragraph (b).
Subd. 10.Offer and disseminate.
"Offer and disseminate" has the meaning given in section 60K.383, subdivision 1, paragraph (c).
Subd. 11.Primary certificate holder.
"Primary certificate holder" means an individual who elects and purchases travel insurance under a group policy.
Subd. 12.Primary policyholder.
"Primary policyholder" means an individual who elects and purchases individual travel insurance.
Subd. 13.Travel administrator.
"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. A person is not a travel administrator if the person's only actions that otherwise indicate the person is a travel administrator are:
(1) the person works for a travel administrator, to the extent that the person's activities are subject to the travel administrator's supervision and control;
(2) the insurance producer sells insurance or engages in administrative and claims-related activities within the scope of the producer's license;
(3) the travel retailer (i) offers and disseminates travel insurance, and (ii) is registered under the license of a limited lines travel insurance producer under this chapter;
(4) the individual (i) adjusts or settles claims in the normal course of the individual's practice or employment as an attorney, and (ii) does not collect charges or premiums in connection with insurance coverage; or
(5) the business entity is affiliated with a licensed insurer while acting as a travel administrator for the direct and assumed insurance business of an affiliated insurer.
Subd. 14.Travel assistance services.
"Travel assistance services" means noninsurance services (1) for which the consumer is not indemnified based on a fortuitous event, and (2) 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 are not related to insurance.
Subd. 15.Travel insurance.
"Travel insurance" has the meaning given in section 60K.383, subdivision 1, paragraph (d).
Subd. 16.Travel protection plan.
"Travel protection plan" means a plan that provides one or more of the following:
(1) travel insurance;
(2) travel assistance services; or
(3) cancellation fee waivers.
History:
Official Publication of the State of Minnesota
Revisor of Statutes