TRAVEL INSURANCE
Sponsored By: Carolyn Hall (Democratic)
Became Law
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Bill Overview
Analyzed Economic Effects
7 provisions identified: 2 benefits, 1 costs, 4 mixed.
Clearer travel plan details and refunds
Beginning Jan 1, 2027, sellers must clearly tell you what a one‑price travel plan includes before you buy. They must show which parts are insurance, which are travel help services, and which are cancellation waivers, and let you see prices and features for each. Preexisting condition exclusions must be shown before purchase and in your materials, and the materials must say if coverage is primary or secondary. You can cancel for a full refund for at least 15 days after mailed materials, or 10 days after in‑person or electronic delivery, if you have not started the trip or filed a claim. The law also states travel assistance services and cancellation waivers are not insurance.
New licenses and duties for travel sellers
Beginning Jan 1, 2027, travel retailers may offer travel insurance only under a licensed travel insurance limited producer. Producers must register retailers, train staff, name a licensed compliance lead, follow fingerprint and fee rules, and are liable for their retailers’ acts. A person may act as a travel administrator only if licensed as a property and casualty producer, MGA, or TPA; no adjuster license is needed for that work. Insurers stay liable for administrators’ acts and must keep and provide records.
Who can buy group travel coverage
Beginning Jan 1, 2027, travel insurance can be sold as individual, group, or blanket coverage. Groups like tour operators, schools, or employers can buy group or blanket policies if members share travel risk. Travel insurance is filed under the inland marine line, and related trusts and underwriting need director approval.
State tax on travel insurance
Beginning Jan 1, 2027, travel insurance premiums paid by state residents are subject to the state’s premium tax. For blanket policies, a company based in the state or an affiliate based here that buys the policy can also trigger the tax. If a policy covers multiple places, the premium is split among those places. The law does not set the tax rate.
Insurers must itemize insurance vs services
Beginning Jan 1, 2027, travel insurers must record where a policyholder lives or a business is based. They must report only the part of a one‑price plan that is true insurance, and exclude charges for travel help services and cancellation waivers. This changes how premiums are counted for taxes and rate review.
Limits on freebies in travel insurance
Beginning Jan 1, 2027, insurers and agents cannot market travel insurance as “free” or give insurance as a buying incentive. They also cannot offer rebates or special favors to induce a sale unless allowed in a director‑approved filing. Value‑added products and noncash gifts must be reasonable in cost compared to the premium, offered on fair, objective terms, and stay within caps set by regulation. Raffles are allowed only with no purchase required and within director‑set limits. The director may allow three‑year pilot programs with notice.
When Alaska’s new rules apply
Sections 1–3, 9, and 10 apply to policies issued, delivered, or renewed on or after Jan 1, 2027. On that date, the law also repeals AS 21.27.152.
Sponsors & Cosponsors
Sponsor
Carolyn Hall
Democratic • House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
(S) REFERRED TO RULES
5/14/2026Senate(S) FN2: ZERO(CED)
5/14/2026Senate(S) NR: STEDMAN, TOBIN
5/14/2026Senate(S) DP: BJORKMAN, KIEHL
5/14/2026Senate(S) TITLE CHANGE: SCR 28
5/14/2026Senate(S) TRA RPT SCS 2DP 2NR NEW TITLE
5/14/2026Senate(S) Moved SCS CSHB 302(TRA) Out of Committee -- Please Note Time Change --
5/12/2026Senate(S) TRANSPORTATION at 01:30 PM BUTROVICH 205
5/12/2026SenateAudio/Video
5/12/2026House(S) Heard & Held
5/7/2026Senate(S) TRANSPORTATION at 01:30 PM BUTROVICH 205
5/7/2026Senate(S) TRA
5/7/2026Senate(S) READ THE FIRST TIME - REFERRALS
5/7/2026SenateAudio/Video
5/7/2026House(H) VERSION: CSHB 302(L&C)
5/6/2026House(H) TRANSMITTED TO (S)
5/6/2026House(H) COSPONSOR(S): JOSEPHSON, GALVIN
5/6/2026House(H) EFFECTIVE DATE(S) SAME AS PASSAGE
5/6/2026House(H) PASSED Y39 A1
5/6/2026House(H) READ THE THIRD TIME CSHB 302(L&C)
5/6/2026House(H) ADVANCED TO THIRD READING 5/6 CALENDAR
5/4/2026House(H) L&C CS ADOPTED UC
5/4/2026House(H) READ THE SECOND TIME
5/4/2026House(H) RULES TO CALENDAR 5/4/2026
5/4/2026House(H) FN1: ZERO(CED)
4/29/2026House
Bill Text
SCS CSHB 302(TRA)
5/14/2026
CSHB 302(L&C)
4/16/2026
HB 302
2/11/2026