TRAVEL INSURANCE

SB0244B -1- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

34-LS0784\G

CS FOR SENATE BILL NO. 244(L&C)

IN THE LEGISLATURE OF THE STATE OF ALASKA

THIRTY-FOURTH LEGISLATURE - SECOND SESSION

BY THE SENATE LABOR AND COMMERCE COMMITTEE

Offered: 3/25/26
Referred: Transportation

Sponsor(s): SENATE LABOR AND COMMERCE COMMITTEE
A BILL

FOR AN ACT ENTITLED

"An Act relating to travel insurance; and providing for an effective date." 1
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF ALASKA: 2
* Section 1. AS 21.09.210(p) is amended to read: 3
(p) In this section, 4
(1) "blanket travel insurance" has the meaning given in 5
AS 21.42.825; 6
(2) "cancellation fee waiver" has the meaning given in 7
AS 21.42.825; 8
(3) "eligible group" has the meaning given in AS 21.42.825; 9
(4) "group travel insurance" means travel insurance that is issued 10
to an eligible group; 11
(5) "premium tax credit" means an amount that an insurer may use as 12
an offset against a premium tax payment; 13
(6) "primary certificate holder" means an individual who elects 14
and purchases travel insurance under a group travel insurance policy; 15
34-LS0784\G
CSSB 244(L&C) -2- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

(7) "primary policyholder" means an individual who elects and 1
purchases travel insurance under an individual policy; 2
(8) "resident" has the meaning given in AS 21.27.990; 3
(9) "travel assistance services" has the meaning given in 4
AS 21.42.825; 5
(10) "travel insurance" has the meaning given in AS 21.42.825; 6
(11) "travel insurer" means an insurer who transacts travel 7
insurance. 8
* Sec. 2. AS 21.09.210 is amended by adding new subsections to read: 9
(q) The provisions of this section apply to travel insurers. Travel insurance 10
premiums will be taxed on insurance premiums paid by 11
(1) a primary policyholder who is a resident of the state; 12
(2) a primary certificate holder who is a resident of the state; or 13
(3) a blanket travel insurance policyholder who is a resident of the 14
state, whose principal place of business is in the state, or whose affiliate or subsidiary 15
having a principal place of business in the state has purchased the policy, subject to 16
any apportionment rules that apply to the insurer across multiple taxing jurisdictions 17
or that allow the insurer to allocate premiums on an apportioned basis in a reasonable 18
and equitable manner in those jurisdictions. 19
(r) A travel insurer shall 20
(1) document the state of residence or principal place of business of the 21
policyholder or certificate holder; and 22
(2) report as premiums the amount allocable to travel insurance and 23
not the amount received for travel assistance services or cancellation fee waivers. 24
* Sec. 3. AS 21.27.150(a) is amended to read: 25
(a) The director may issue a 26
(1) travel insurance limited producer license to a person in accordance 27
with AS 21.42.805 [WHO IS APPOINTED UNDER AS 21.27.100 AND WHO 28
SELLS TRAVEL INSURANCE; IN THIS PARAGRAPH, "TRAVEL INSURANCE" 29
HAS THE MEANING GIVEN IN AS 21.27.152]; 30
(2) title insurance limited producer license to a person whose place of 31
34-LS0784\G
SB0244B -3- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

business is located in this state and whose sole purpose is to be appointed by and act 1
on behalf of a title insurer; 2
(3) bail bond limited producer license to a person who is appointed by 3
and acts on behalf of a surety insurer pertaining to bail bonds; 4
(4) motor vehicle rental agency limited producer license to a person 5
and, subject to the approval of the director, to employees of the person licensed that 6
the licensee authorizes to transact the business of insurance on the licensee's behalf if, 7
as to an employee, the licensee complies with (D) of this paragraph and if the licensee 8
(A) rents to others, without operators, 9
(i) private passenger motor vehicles, including 10
passenger vans, minivans, and sport utility vehicles; or 11
(ii) cargo motor vehicles, including cargo vans, pickup 12
trucks, and trucks with a gross vehicle weight of less than 26,000 13
pounds that do not require the operator to possess a commercial driver's 14
license; 15
(B) rents motor vehicles only to persons under rental 16
agreements that do not exceed a term of 90 days; 17
(C) transacts only the following kinds of insurance: 18
(i) motor vehicle liability insurance with respect to 19
liability arising out of the use of a vehicle rented from the licensee 20
during the term of the rental agreement; 21
(ii) uninsured or underinsured motorist coverage, with 22
minimum limits described in AS 21.96.020(c) and (d) arising from the 23
use of a vehicle rented from the licensee during the term of the rental 24
agreement; 25
(iii) insurance against medical, hospital, surgical, and 26
disability benefits to an injured person and funeral and death benefits to 27
dependents, beneficiaries, or personal representatives of a deceased 28
person if the insurance is issued as incidental coverage with or 29
supplemental to liability insurance and arises out of the use of a vehicle 30
rented from the licensee during the term of the rental agreement; 31
34-LS0784\G
CSSB 244(L&C) -4- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

(iv) personal effects insurance, including loss of use, 1
with respect to damage to or loss of personal property of a person 2
renting the vehicle and other vehicle occupants while that property is 3
being loaded into, transported by, or unloaded from a vehicle rented 4
from the licensee during the term of the rental agreement; 5
(v) towing and roadside assistance with respect to 6
vehicles rented from the licensee during the term of the rental 7
agreement; and 8
(vi) other insurance as may be authorized by regulation 9
by the director; 10
(D) notifies the director in writing, not later than 30 days after 11
employment, of the name, date of birth, social security number, location of 12
employment, and home address of an employee authorized by the licensee to 13
transact insurance on the licensee's behalf; and 14
(E) provides other information as required by the director; 15
(5) nonresident limited producer license to a person; a license that the 16
director issues under this paragraph grants the same scope of authority as a limited 17
lines producer license issued to the person by the person's home state; 18
(6) credit insurance limited producer license to a person who sells 19
limited lines credit insurance; 20
(7) miscellaneous limited producer license to a person who transacts 21
insurance in this state that restricts the person's authority to less than the total authority 22
for a line of authority described in AS 21.27.115(1) - (6); 23
(8) portable electronics limited producer license to a vendor that sells 24
or offers portable electronics insurance as defined in AS 21.36.515; the following 25
provisions apply to a license issued under this paragraph: 26
(A) a vendor shall file with the director a sworn application for 27
a license under this paragraph on a form prescribed and furnished by the 28
director; the vendor shall provide the name, residence address, location of the 29
vendor's home office, and other information required by the director for an 30
employee or officer that is designated by the vendor as the person responsible 31
34-LS0784\G
SB0244B -5- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

for the vendor's compliance with the requirements of this chapter; however, if 1
the vendor derives more than 50 percent of its revenue from the sale of 2
portable electronics insurance, the vendor shall provide the information 3
required under this subparagraph for all officers, directors, and shareholders of 4
record having beneficial ownership of 10 percent or more of any class of 5
securities registered under the federal securities law; 6
(B) a portable electronics limited producer license issued under 7
this paragraph must authorize the employees or authorized representatives of a 8
vendor to transact portable electronics insurance at each location at which a 9
vendor offers portable electronics to customers in this state; and 10
(C) the employees or authorized representatives of the vendor 11
may transact portable electronics insurance and are not required to obtain a 12
limited producer license if 13
(i) the employees or authorized representatives are not 14
compensated based primarily on the number of customers enrolled for 15
coverage; however, an employee or authorized representative may 16
receive compensation for activities under the license that is incidental 17
to the employee's or authorized representative's overall compensation; 18
(ii) the insurer issuing the portable electronics insurance 19
provides a training program for employees and authorized 20
representatives of the portable electronics limited producer licensee that 21
includes instruction about the portable electronics insurance offered to 22
customers and the disclosures required under AS 21.36.515; and 23
(iii) the vendor maintains a register of each location in 24
the state where the vendor offers portable electronics insurance and 25
submits the register to the director not later than 30 days after the 26
director requests the register; 27
(9) crop insurance limited producer license to a person who sells or 28
offers crop insurance coverage for damage to crops from unfavorable weather 29
conditions, fire or lightning, flood, hail, insect infestation, disease, or other yield- 30
reducing conditions or perils provided by the private insurance market or that is 31
34-LS0784\G
CSSB 244(L&C) -6- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

subsidized by the Federal Crop Insurance Corporation, including multi-peril crop 1
insurance. 2
* Sec. 4. AS 21.42 is amended by adding new sections to read: 3
Article 4. Travel Insurance. 4
Sec. 21.42.800. Travel insurance classification and filing. (a) Travel 5
insurance may be provided under an individual policy or under a group or blanket 6
policy. 7
(b) Eligible groups may purchase group and blanket policies. Eligible groups 8
include 9
(1) a tour operator, lodging provider, vacation property owner, hotel, 10
resort, travel club, travel agency, property manager, cultural exchange program, 11
airline, cruise line, railroad, steamship company, public bus carrier, or other common 12
carrier; the operator, owner, or lessor of a means of transportation of passengers; or 13
another entity engaged in the business of providing travel or travel services; for groups 14
listed in this paragraph, all members or customers of the group must have a common 15
exposure to risk associated with the travel; 16
(2) a college, school, or other institution of learning, covering students, 17
teachers, employees, or volunteers; 18
(3) an employer covering any group of employees, volunteers, 19
contractors, board of directors, dependents, or guests; 20
(4) a sports team, camp, or sponsor of a sports team or camp, covering 21
participants, members, campers, employees, officials, supervisors, or volunteers; 22
(5) a religious, charitable, recreational, educational, or civic 23
organization, or a branch of a religious, charitable, recreational, educational, or civic 24
organization, covering any group of members, participants, or volunteers; 25
(6) a financial institution or financial institution vendor, parent holding 26
company, trustee, agent, or designee of a financial institution or financial institution 27
vendor, account holder, credit card holder, debtor, guarantor, or purchaser; 28
(7) an incorporated or unincorporated association having a common 29
interest, constitution, and bylaws and organized and maintained in good faith for 30
purposes other than obtaining insurance for members or participants of the association 31
34-LS0784\G
SB0244B -7- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

covering its members; 1
(8) a labor union; 2
(9) a trust or the trustees of a fund established, created, or maintained 3
for the benefit of and covering members, employees, or customers, subject to the 4
director's approval of the use of a trust and the state's premium tax provisions in 5
AS 21.09.210 for one or more associations that meet the requirements of (7) or (8) of 6
this subsection; 7
(10) an entertainment production company covering a group of 8
participants, volunteers, audience members, contestants, or workers; 9
(11) a volunteer fire department, ambulance, rescue, police 10
department, court, or any first aid, civil defense, or other volunteer group; 11
(12) a preschool, daycare institution for children or adults, or senior 12
citizen club; 13
(13) a common carrier, operator, owner or lessor of a means of 14
transportation, or automobile or truck rental or leasing company covering a group of 15
individuals who may become renters, lessees, or passengers defined by their travel 16
status on the rented or leased vehicle; the common carrier, operator, owner or lessor of 17
a means of transportation, or automobile or truck rental or leasing company is the 18
policyholder under a policy to which this subsection applies; and 19
(14) any other group the director determines is engaged in a common 20
enterprise or has an economic, educational, or social affinity or relationship, and for 21
which issuance of the policy would not be contrary to the public interest. 22
(c) Travel insurance is classified and filed for purposes of rates and forms 23
under the inland marine line of insurance. 24
(d) Eligibility and underwriting standards for travel insurance may be 25
developed and provided based on travel protection plans that are designed for 26
individual or identified marketing or distribution channels if those standards also meet 27
the underwriting standards for inland marine and transportation lines of insurance in 28
the state. 29
Sec. 21.42.805. Travel insurance limited producers and travel retailers. (a) 30
The director may issue a travel insurance limited producer license to an individual or 31
34-LS0784\G
CSSB 244(L&C) -8- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

business entity that has filed with the director an application in a form and manner 1
prescribed by the director. A travel insurance limited producer shall be licensed to sell, 2
solicit, or negotiate travel insurance through a licensed insurer. A person may act as a 3
travel insurance limited producer only if the person is licensed under this subsection. 4
(b) A travel retailer may offer and disseminate travel insurance to its 5
customers on behalf of and under the direction of a travel insurance limited producer. 6
A person may act as a travel retailer only if the person is a business entity that is 7
included in the register maintained by the travel insurance limited producer under 8
(e)(1) of this section. 9
(c) A travel retailer's employee or authorized representative who is not a travel 10
insurance limited producer may not 11
(1) evaluate or interpret the material terms, benefits, and conditions of 12
the offered travel insurance coverage; 13
(2) evaluate or provide advice concerning a prospective purchaser's 14
existing insurance coverage; or 15
(3) represent that the employee or authorized representative is a 16
licensed insurer, licensed producer, or insurance expert. 17
(d) A travel insurance limited producer or travel retailer shall provide to a 18
purchaser of travel insurance 19
(1) a description of the material terms of the insurance coverage; 20
(2) a description of the claims process; 21
(3) a description of the review and return or cancellation process; and 22
(4) the identity and contact information for the insurer and the travel 23
insurance limited producer. 24
(e) A travel insurance limited producer shall 25
(1) maintain, in a format prescribed by the director, a register of each 26
travel retailer that offers travel insurance on behalf of and under the direction of the 27
producer and make the register available to the director upon request; the register must 28
include 29
(A) the name, address, and contact information of each travel 30
retailer; 31
34-LS0784\G
SB0244B -9- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

(B) the name, address, and contact information of each officer 1
or person who directs or controls the travel retailer's operations; and 2
(C) the federal employment identification number of the travel 3
retailer; 4
(2) certify that each travel retailer that offers travel insurance on behalf 5
of and under the direction of the producer complies with 18 U.S.C. 1033; 6
(3) require each employee and authorized representative of a travel 7
retailer that offers travel insurance on behalf of and under the direction of the producer 8
whose duties include offering and disseminating travel insurance to receive a training 9
or instruction program that, at a minimum, contains adequate instruction on the type of 10
insurance offered, ethical sales practices, and the disclosures that must be provided to 11
its prospective customers; the training program is subject to review and approval by 12
the director; 13
(4) designate one of its employees as the person responsible for the 14
producer's compliance with applicable travel insurance laws and regulations; the 15
employee must be an individual who is licensed as an insurance producer; and 16
(5) pay all applicable licensing fees required under this title. 17
(f) A person designated under (e)(4) of this section and the president, 18
secretary, treasurer, and any other officer or person who directs or controls the travel 19
insurance limited producer's insurance operations shall comply with the fingerprinting 20
requirements applicable to insurance producers in the resident state of the travel 21
insurance limited producer. 22
(g) A travel insurance limited producer is liable for the acts of a travel retailer 23
transacting travel insurance on behalf of and under the direction of the producer and 24
shall use reasonable means to ensure the travel retailer's compliance with applicable 25
travel insurance laws and regulations. 26
(h) A travel retailer offering or disseminating travel insurance shall make 27
available to a prospective purchaser brochures or other written materials that 28
(1) provide the identity and contact information of the insurer and the 29
travel insurance limited producer; 30
(2) explain that the purchase of travel insurance is not required in order 31
34-LS0784\G
CSSB 244(L&C) -10- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

to purchase any other product or service from the travel retailer; and 1
(3) state that a person transacting travel insurance may provide general 2
information about the insurance offered, including a description of the coverage and 3
price, but is not qualified or authorized to answer questions about the terms and 4
conditions of the insurance offered or to evaluate the adequacy of the customer's 5
insurance coverage. 6
(i) A travel retailer whose insurance-related activities, and those of the travel 7
retailer's employees and authorized representatives, are limited to offering and 8
disseminating travel insurance under this section may receive related compensation 9
upon registration under (e)(1) of this section. 10
(j) The requirements of AS 21.42.800 - 21.42.825 apply to travel insurance 11
that covers a resident of the state and that is sold, solicited, negotiated, or offered in 12
the state, and to policies and certificates that are delivered or issued for delivery in the 13
state. AS 21.42.800 - 21.42.825 do not apply to cancellation fee waivers or travel 14
assistance services except as expressly provided in AS 21.42.800 - 21.42.825. All 15
other applicable provisions of the insurance laws of the state continue to apply to 16
travel insurance except that the specific provisions of AS 21.42.800 - 21.42.825 17
supersede any general provisions of law that would otherwise be applicable to travel 18
insurance. 19
(k) Any person licensed as an insurance producer for a line of authority 20
described in AS 21.27.115(1) - (6) may sell, solicit, and negotiate travel insurance. A 21
property and casualty insurance producer is not required to be appointed by an insurer 22
in order to sell, solicit, or negotiate travel insurance. 23
Sec. 21.42.810. Travel protection plans. (a) A travel protection plan may be 24
offered in the state for one price if 25
(1) the travel protection plan clearly discloses to the consumer, at or 26
before the time of purchase, that the plan includes travel insurance, travel assistance 27
services, and cancellation fee waivers, as applicable, and provides information and an 28
opportunity, at or before the time of purchase, for the consumer to obtain additional 29
information regarding the features and pricing of each feature; and 30
(2) the fulfillment materials 31
34-LS0784\G
SB0244B -11- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

(A) describe and delineate the travel insurance, travel 1
assistance services, and cancellation fee waivers in the travel protection plan; 2
and 3
(B) include the travel insurance disclosures and the contact 4
information for persons providing travel assistance services and cancellation 5
fee waivers, as applicable. 6
(b) Travel assistance services provided under a travel protection plan may 7
include security advisories, destination information, vaccination and immunization 8
information services, travel reservation services, entertainment, activity and event 9
planning, translation assistance, emergency messaging, international legal and medical 10
referrals, medical case monitoring, coordination of transportation arrangements, 11
emergency cash transfer assistance, medical prescription replacement assistance, 12
passport and travel document replacement assistance, lost luggage assistance, 13
concierge services, and any other service that is furnished in connection with planned 14
travel. Travel assistance services are not insurance and not related to insurance. 15
Sec. 21.42.815. Sales practices. (a) A person offering travel insurance to 16
residents of the state is subject to the unfair trade practices and fraud provisions under 17
AS 21.36, except as otherwise provided in AS 21.42.800 - 21.42.825. If a conflict 18
occurs between AS 21.42.800 - 21.42.825 and another provision of this title relating to 19
the sale and marketing of travel insurance and travel protection plans, AS 21.42.800 - 20
21.42.825 control. 21
(b) Offering or selling a travel insurance policy that could never result in 22
payment of a claim for a person insured under the policy is an unfair trade practice 23
under AS 21.36. 24
(c) All documents provided to consumers before the purchase of travel 25
insurance, including sales, advertising, and marketing materials, must be consistent 26
with the travel insurance policy itself, including forms, endorsements, policies, rate 27
filings, and certificates of insurance. 28
(d) If a travel insurance policy or certificate contains preexisting condition 29
exclusions, the person offering the policy shall provide to the consumer, before the 30
time of purchase and in the fulfillment materials for the coverage, information and an 31
34-LS0784\G
CSSB 244(L&C) -12- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

opportunity to learn more about the preexisting condition exclusions. 1
(e) A person offering a travel insurance policy shall provide to the 2
policyholder or certificate holder fulfillment materials and the information described 3
in AS 21.42.805(d) as soon as practicable following the purchase of a travel protection 4
plan. Unless the insured has either started a covered trip or filed a claim under the 5
travel insurance coverage, a policyholder or certificate holder may cancel a policy or 6
certificate for a full refund of the travel protection plan price from the date of purchase 7
of the travel protection plan until at least 8
(1) 15 days after the date of delivery of the fulfillment materials for the 9
travel protection plan if the materials were delivered by mail; the fulfillment materials 10
are considered delivered under this paragraph when sent to the policyholder or 11
certificate holder; or 12
(2) 10 days after the date of delivery of the fulfillment materials for the 13
travel protection plan if the materials were delivered 14
(A) in person; the fulfillment materials are considered delivered 15
under this subparagraph when physically handed to the policyholder or 16
certificate holder; or 17
(B) electronically; the fulfillment materials are considered 18
delivered under this subparagraph when sent to the policyholder or certificate 19
holder. 20
(f) The policy documentation and fulfillment materials must disclose whether 21
the travel insurance is primary or secondary to other applicable coverage. 22
(g) If travel insurance is marketed directly to a consumer either by an insurer's 23
Internet website or by an aggregator website, it is not an unfair trade practice or other 24
violation of law if an accurate summary or short description of the coverage is 25
provided on the website and the consumer has access to the full provisions of the 26
policy through electronic means. In this subsection, "aggregator website" means a 27
website that provides access to information relating to insurance products from more 28
than one insurer, including product and insurer information, for use in comparison 29
shopping. 30
(h) A person may not offer, solicit, or negotiate travel insurance or travel 31
34-LS0784\G
SB0244B -13- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

protection plans on an individual or group basis by using a negative or opt-out option 1
that requires a consumer to take an affirmative action to deselect coverage, including 2
unchecking a box on an electronic form, when the consumer purchases a trip. 3
(i) It is an unfair trade practice subject to penalty under AS 21.36 to market 4
blanket travel insurance coverage as free. 5
(j) If a consumer's destination jurisdiction requires insurance coverage, it is 6
not an unfair trade practice under AS 21.36 to require that a consumer choose between 7
the following options as a condition of purchasing a trip or travel package: 8
(1) purchasing the coverage required by the destination jurisdiction 9
through the travel retailer or travel insurance limited producer supplying the trip or 10
travel package; or 11
(2) agreeing to obtain and provide before departure proof of coverage 12
that meets the requirements of the destination jurisdiction. 13
Sec. 21.42.820. Travel administrators. (a) Notwithstanding any other 14
provision of this title, a person may not act or represent itself as a travel administrator 15
for travel insurance in the state unless the person 16
(1) is a licensed property and casualty insurance producer in the state 17
for activities permitted under that producer license; 18
(2) holds a valid managing general agent license in the state; or 19
(3) holds a valid third-party administrator license in the state. 20
(b) A travel administrator and the employees of the travel administrator are 21
exempt from the licensing requirements applicable to adjusters under this title for the 22
purposes of administering travel insurance. 23
(c) An insurer is liable for the acts of a travel administrator administering 24
travel insurance underwritten by the insurer and shall ensure that the travel 25
administrator maintains all books and records relevant to the insurer. The travel 26
administrator shall make the books and records available to the director upon request. 27
Sec. 21.42.825. Definitions. In AS 21.42.800 - 21.42.825, 28
(1) "blanket travel insurance" means a policy of travel insurance that is 29
issued to any eligible group and that provides coverage for specific classes of persons 30
defined in the policy with coverage provided to all members of the eligible group 31
34-LS0784\G
CSSB 244(L&C) -14- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

without a separate charge to individual members of the eligible group; 1
(2) "cancellation fee waiver" 2
(A) means a contractual agreement between a supplier of travel 3
services and its customer to waive some or all of the nonrefundable 4
cancellation fee provisions of the supplier's underlying travel contract with or 5
without regard to the reason for the cancellation or form of reimbursement; and 6
(B) does not mean insurance; 7
(3) "eligible group" means two or more persons who are engaged in a 8
common enterprise or have an economic, educational, or social affinity or relationship; 9
(4) "fulfillment materials" means documentation that is sent to the 10
purchaser of a travel protection plan and that confirms the purchase and provides 11
coverage and assistance details of the travel protection plan; 12
(5) "offering and disseminating" means providing general information, 13
including a description of the coverage and price, as well as processing the application 14
and collecting premiums; 15
(6) "travel administrator" means a person who, directly or indirectly, 16
underwrites, collects charges, collateral, or premiums from residents of this state, or 17
adjusts or settles claims in connection with travel insurance; a person may not be 18
considered a travel administrator if the person's only actions that would otherwise 19
cause the person to be considered a travel administrator are among the following: 20
(A) a person working for a travel administrator to the extent 21
that the person's activities are subject to the supervision and control of the 22
travel administrator; 23
(B) an insurance producer selling insurance or engaged in 24
administrative and claims-related activities within the scope of the producer's 25
license; 26
(C) a travel retailer offering and disseminating travel insurance 27
that is registered under the license of a limited lines travel insurance producer 28
in accordance with AS 21.42.800 - 21.42.825; 29
(D) a person adjusting or settling claims in the normal course 30
of that person's practice or employment as an attorney who does not collect 31
34-LS0784\G
SB0244B -15- CSSB 244(L&C)
New Text Underlined [DELETED TEXT BRACKETED]

charges or premiums in connection with insurance coverage; or 1
(E) a business entity that is affiliated with a licensed insurer 2
while acting as a travel administrator for the direct and assumed insurance 3
business of the affiliated insurer; 4
(7) "travel assistance services" means noninsurance services for which 5
the consumer is not indemnified based on a fortuitous event and for which provision 6
of the service does not result in transfer or shifting of risk that would constitute the 7
business of insurance; 8
(8) "travel insurance" 9
(A) means insurance coverage for personal risks incident to 10
planned travel, including 11
(i) trip or event interruption or cancellation; 12
(ii) lost baggage or personal effects; 13
(iii) damage to accommodations or a rental vehicle; 14
(iv) sickness, an accident, disability, or death occurring 15
during travel; 16
(v) emergency evacuation; 17
(vi) repatriation of remains; or 18
(vii) any other contractual obligation to indemnify or 19
pay a specified amount to a traveler upon determinable contingencies 20
related to travel as approved by the director; 21
(B) does not include 22
(i) comprehensive medical insurance that provides 23
coverage during a trip lasting longer than six months, including a trip 24
during which a traveler is working or residing overseas as an expatriate; 25
or 26
(ii) any other product that requires a specific insurance 27
producer license; 28
(9) "travel insurance limited producer" means a 29
(A) licensed managing general agent or third-party 30
administrator; 31
34-LS0784\G
CSSB 244(L&C) -16- SB0244B
New Text Underlined [DELETED TEXT BRACKETED]

(B) licensed insurance producer; or 1
(C) travel administrator; 2
(10) "travel protection plan" means a plan that provides combined 3
features that may include one or more of the following: travel insurance, travel 4
assistance services, or cancellation fee waivers; 5
(11) "travel retailer" means a business entity that makes, arranges, or 6
offers planned travel. 7
* Sec. 5. AS 21.27.152 is repealed. 8
* Sec. 6. The uncodified law of the State of Alaska is amended by adding a new section to 9
read: 10
APPLICABILITY. This Act applies to an insurance policy or contract issued, 11
delivered, or renewed on or after the effective date of secs. 1 - 5 of this Act. 12
* Sec. 7. This Act takes effect January 1, 2027. 13