All Roll Calls
Yes: 231 • No: 9
HawaiiHB 972025–2026 Regular Session (Year 1)HouseWALLET
RELATING TO TRAVEL INSURANCE.
Sponsored By: Adrian K. Tam (Democratic)
Signed by Governor
Summary
Establishes a new regulatory framework for the sale of travel insurance in the State, including licensing and registration requirements for limited lines travel insurance producers and travel retailers, respectively. (CD1)
Travel InsuranceLimited Lines Travel Insurance ProducersRegulatory FrameworkLicensingRegistrationEDT, CPN
Personalized for You
How does this bill affect your finances?
Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
Travel insurance buyers get clearer terms
Travel insurance sales information must match the policy and explain key limits, including preexisting-condition exclusions. After purchase, materials must explain the coverage and say whether it pays before or after other insurance. You can cancel for a full refund within 15 days after materials are mailed, or 10 days after they are delivered in person or online, if your trip has not started and you have not filed a claim. Sellers cannot add coverage by default or call blanket coverage free. Online sellers may provide a short summary if you can access the full policy electronically.
Travelers must meet destination insurance rules
When a destination requires insurance, the seller can make you choose how to meet that requirement before you buy the trip. You can buy the required coverage through the seller or get compliant coverage elsewhere and show proof before departure. The law does not set the price.
New rules for travel insurance companies
Travel insurance administrators must hold one of the listed Hawaii insurance or administrator licenses. Insurers are responsible for their administrators’ actions and must make records available to the state commissioner on request. Administrators and their employees are exempt from a separate licensing rule for the insurance they administer. Hawaii classifies travel insurance under an insurance category used for rates and policy forms; insurers may use travel plans or sales channels to set eligibility, subject to state standards.
Sponsors & Cosponsors
Sponsor
Adrian K. Tam
Democratic • House
Cosponsors
Lisa Kitagawa
Democratic • House
Lisa Marten
Democratic • House
Sean Quinlan
Democratic • House
Roll Call Votes
Senate vote • 4/30/2025
Senate Floor Vote
Yes: 22 • No: 3
House vote • 4/30/2025
House Floor Vote
Yes: 49 • No: 1
House vote • 4/25/2025
The Conference Committee recommends that the measure be Passed, with Amendments....
Yes: 3 • No: 0
Senate vote • 4/25/2025
The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS....
Yes: 3 • No: 0
Senate vote • 4/8/2025
Senate Floor Vote
Yes: 23 • No: 2
Senate vote • 3/27/2025
The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENT...
Yes: 2 • No: 1
Senate vote • 3/11/2025
The committee(s) on EDT recommend(s) that the measure be PASSED, WITH AMENDMENT...
Yes: 3 • No: 2
House vote • 3/4/2025
House Floor Vote
Yes: 49 • No: 0
House vote • 2/26/2025
The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes ...
Yes: 15 • No: 0
House vote • 2/12/2025
The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The ...
Yes: 7 • No: 0
House vote • 1/30/2025
Passed Second Reading as amended in HD 1 and referred to the committee(s) on CPC...
Yes: 49 • No: 0
House vote • 1/28/2025
The committee on TOU recommend that the measure be PASSED, WITH AMENDMENTS. The ...
Yes: 6 • No: 0
Actions Timeline
Act 256, 07/01/2025 (Gov. Msg. No. 1359).
7/1/2025SenateAct 256, on 07/01/2025 (Gov. Msg. No. 1359).
7/1/2025HouseReceived notice of passage on Final Reading in House (Hse. Com. No. 821).
5/2/2025SenateReceived notice of Final Reading (Sen. Com. No. 888).
5/1/2025HouseTransmitted to Governor.
5/1/2025HousePassed Final Reading, as amended (CD 1). Ayes, 22; Aye(s) with reservations: none. Noes, 3 (Senator(s) Awa, Kim, McKelvey). Excused, 0 (none).
4/30/2025SenatePassed Final Reading as amended in CD 1 with Representative(s) Iwamoto voting aye with reservations; Representative(s) Garcia voting no (1) and Representative(s) Cochran excused (1).
4/30/2025HouseThe Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Tam, Matayoshi, Templo; Ayes with reservations: none; 0 Noes: none; and 1 Excused: Representative(s) Matsumoto.
4/25/2025HouseThe Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) DeCoite, Fukunaga, Keohokalole; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.
4/25/2025SenateReported from Conference Committee (Conf Com. Rep. No. 133) as amended in (CD 1).
4/25/2025HouseForty-eight (48) hours notice Wednesday, 04-30-25.
4/25/2025HouseReported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 133).
4/25/2025Senate48 Hrs. Notice (as amended CD 1) 04-30-25
4/25/2025SenateConference Committee Meeting will reconvene on Friday 04-25-25 10:30AM in conference room 411.
4/24/2025HouseBill scheduled for Conference Committee Meeting on Thursday, 04-24-25 9:30AM in conference room 411.
4/22/2025HouseSenate Conferees Appointed: DeCoite Chair; Fukunaga, Keohokalole Co-Chairs.
4/21/2025SenateReceived notice of Senate conferees (Sen. Com. No. 850).
4/21/2025HouseReceived notice of appointment of House conferees (Hse. Com. No. 732).
4/15/2025SenateHouse Conferees Appointed: Tam, Matayoshi, Templo Co-Chairs; Matsumoto.
4/14/2025HouseReceived notice of disagreement (Hse. Com. No. 704).
4/11/2025SenateHouse disagrees with Senate amendment (s).
4/10/2025HouseReport Adopted; Passed Third Reading, as amended (SD 2). Ayes, 23; Aye(s) with reservations: none. Noes, 2 (Senator(s) Awa, Kim). Excused, 0 (none). Transmitted to House.
4/8/2025SenateReturned from Senate (Sen. Com. No. 595) in amended form (SD 2).
4/8/2025HouseReported from CPN (Stand. Com. Rep. No. 1720) with recommendation of passage on Third Reading, as amended (SD 2).
4/4/2025Senate48 Hrs. Notice 04-08-25.
4/4/2025Senate
Bill Text
Bill Text
HB97_CD1
HB97_HD1
HB97_HD2
HB97_SD1
HB97_SD2
Original
Related Bills
HB 431, RELATING TO HOUSING.
Part I: Establishes requirements for kauhale projects, including reporting requirements by the Statewide Office on Homelessness and Housing Solutions (OHHS). Requires the Auditor to conduct a management and performance audit of the kauhale initiative. Appropriates funds for the continued operation of the kauhale initiative. Part II: Establishes the Ohana Zones Program as a permanent program within OHHS. Appropriates funds to DHS for the continued implementation of the Ohana Zones Pilot Program. Part III: Requires OHHS to submit a report every four months to the Legislature detailing the expenditure of funds appropriated toward the kauhale and ohana zones initiatives and conduct a comprehensive needs assessment. Part IV: Changes references to the Governor's Coordinator on Homelessness to "Coordinator on Homelessness". Specifies that the Coordinator on Homelessness shall report directly to the Director of Human Services. (CD1)
HB 420, RELATING TO REMEDIES.
Clarifies that the statute of repose applies to contract, tort, and statutory claims. Clarifies the required contents of a notice of claim of a construction defect served on a contractor. Clarifies the process and time frame by which a claimant may accept or reject a contractor's offer to settle and authorize repairs. Clarifies the mediation process for construction defect claims. Clarifies the statute of limitation or repose for construction defect claims. (CD1)
HB 830, RELATING TO HISTORIC PRESERVATION REVIEWS.
Beginning 7/1/2026, authorizes the State Historic Preservation Division to contract its review of proposed state projects and projects affecting historic properties to third-party consultants under certain circumstances. Establishes requirements for qualified third-party consultants providing review services. Requires the project proponent to pay the reasonable fee requirements of the third-party consultant. Requires the Department of Land and Natural Resources to publish a draft of its proposed rules and later present its proposed final rules to the Board of Land and Natural Resources. Sunsets 6/30/2030. (CD1)
HB 1064, RELATING TO FIRE PROTECTION.
Effectuates the recommendations of the "Phase 3" Forward-Looking Report by Fire Safety Research Institute on the 2023 Maui wildfires and further clarifies the appointment and role of the State Fire Marshal. Establishes the Office of the State Fire Marshal in the Department of Law Enforcement. Establishes the State Fire Marshal Selection Commission. Requires reports to the Legislature. Appropriates funds. (CD1)
HB 943, RELATING TO HOMELESSNESS.
Expands existing crisis intervention programs by requiring, and appropriating funds for, the Department of Health to establish a Homeless Triage and Treatment Center Program within its Alcohol and Drug Abuse Division to serve homeless individuals and individuals at risk of homelessness with substance abuse issues or mental illness. Requires the Crisis Intervention and Diversion Services Program to redirect certain homeless persons to the appropriate health care system and services. Authorizes the program to include intensive mobile outreach services. Requires appropriations for the program to be used only for services contracted directly between the Department of Health and the service provider. (CD1)
HB 613, RELATING TO HOMELESS YOUTH.
Makes the Safe Spaces for Youth Pilot Program permanent within the Office of Youth Services. Requires the program to collaborate with certain state and county departments. Authorizes the Office of Youth Services to contract with nonprofit organizations to provide shelters for homeless youth or young adults. Requires annual reports to the Legislature. Appropriates funds. (CD1)