# Hawaii HB 97: RELATING TO TRAVEL INSURANCE.

Hawaii HB 97, RELATING TO TRAVEL INSURANCE., is a 2025–2026 Regular Session (Year 1) House bill sponsored by Adrian K. Tam (Democratic); status signed, last action 2025-07-01 (Act 256, 07/01/2025 (Gov. Msg. No. 1359).); PRIA reads it as touching household money (as of 2026-10-27).

- Canonical: https://policyrisk.com/state-bill/HI-HB97-2025
- As of: 2026-10-27
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Hawaii HB 97
- State: Hawaii
- Session: 2025–2026 Regular Session (Year 1)
- Title: RELATING TO TRAVEL INSURANCE.
- Status: signed
- Chamber: House
- Introduced: 2025-01-13
- Last action: 2025-07-01, Act 256, 07/01/2025 (Gov. Msg. No. 1359).
- Sponsor: Adrian K. Tam (Democratic)
- Cosponsors: 3
- Subjects: Travel Insurance, Limited Lines Travel Insurance Producers, Regulatory Framework, Licensing, Registration, EDT, CPN
- Touches household money: yes
- Roll calls: 12 (231 yes, 9 no in all)
- Economic provisions PRIA read: 3

## 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)

## Bill overview: provisions PRIA read

- Travel insurance buyers get clearer terms: benefit, low. 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 a…
- Travelers must meet destination insurance rules: mixed, low. 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: mixed, low. 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 lice…

## Sponsors and cosponsors

- Sponsor: Adrian K. Tam (Democratic), House
- Cosponsor: Lisa Kitagawa (Democratic), House
- Cosponsor: Lisa Marten (Democratic), House
- Cosponsor: Sean Quinlan (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-30 | Senate | Senate Floor Vote | pass | 22 | 3 |   |
| 2025-04-30 | House | House Floor Vote | pass | 49 | 1 |   |
| 2025-04-25 | House | The Conference Committee recommends that the measure be Passed, with Amendments.... | pass | 3 | 0 |   |
| 2025-04-25 | Senate | The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS.... | pass | 3 | 0 |   |
| 2025-04-08 | Senate | Senate Floor Vote | pass | 23 | 2 |   |
| 2025-03-27 | Senate | The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENT... | pass | 2 | 1 |   |
| 2025-03-11 | Senate | The committee(s) on EDT recommend(s) that the measure be PASSED, WITH AMENDMENT... | pass | 3 | 2 |   |
| 2025-03-04 | House | House Floor Vote | pass | 49 | 0 |   |
| 2025-02-26 | House | The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes ... | pass | 15 | 0 |   |
| 2025-02-12 | House | The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The ... | pass | 7 | 0 |   |
| 2025-01-30 | House | Passed Second Reading as amended in HD 1 and referred to the committee(s) on CPC... | pass | 49 | 0 |   |
| 2025-01-28 | House | The committee on TOU recommend that the measure be PASSED, WITH AMENDMENTS. The ... | pass | 6 | 0 |   |

## Actions (51)

- 2025-07-01: Act 256, 07/01/2025 (Gov. Msg. No. 1359). (Senate)
- 2025-07-01: Act 256, on 07/01/2025 (Gov. Msg. No. 1359). (House)
- 2025-05-02: Received notice of passage on Final Reading in House (Hse. Com. No. 821). (Senate)
- 2025-05-01: Received notice of Final Reading (Sen. Com. No. 888). (House)
- 2025-05-01: Transmitted to Governor. (House)
- 2025-04-30: Passed Final Reading, as amended (CD 1). Ayes, 22; Aye(s) with reservations: none. Noes, 3 (Senator(s) Awa, Kim, McKelvey). Excused, 0 (none). (Senate)
- 2025-04-30: Passed 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). (House)
- 2025-04-25: The 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. (House)
- 2025-04-25: The 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. (Senate)
- 2025-04-25: Reported from Conference Committee (Conf Com. Rep. No. 133) as amended in (CD 1). (House)
- 2025-04-25: Forty-eight (48) hours notice Wednesday, 04-30-25. (House)
- 2025-04-25: Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 133). (Senate)
- 2025-04-25: 48 Hrs. Notice (as amended CD 1) 04-30-25 (Senate)
- 2025-04-24: Conference Committee Meeting will reconvene on Friday 04-25-25 10:30AM in conference room 411. (House)
- 2025-04-22: Bill scheduled for Conference Committee Meeting on Thursday, 04-24-25 9:30AM in conference room 411. (House)
- 2025-04-21: Senate Conferees Appointed: DeCoite Chair; Fukunaga, Keohokalole Co-Chairs. (Senate)
- 2025-04-21: Received notice of Senate conferees (Sen. Com. No. 850). (House)
- 2025-04-15: Received notice of appointment of House conferees (Hse. Com. No. 732). (Senate)
- 2025-04-14: House Conferees Appointed: Tam, Matayoshi, Templo Co-Chairs; Matsumoto. (House)
- 2025-04-11: Received notice of disagreement (Hse. Com. No. 704). (Senate)
- 2025-04-10: House disagrees with Senate amendment (s). (House)
- 2025-04-08: Report 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. (Senate)
- 2025-04-08: Returned from Senate (Sen. Com. No. 595) in amended form (SD 2). (House)
- 2025-04-04: Reported from CPN (Stand. Com. Rep. No. 1720) with recommendation of passage on Third Reading, as amended (SD 2). (Senate)
- 2025-04-04: 48 Hrs. Notice 04-08-25. (Senate)
- 2025-03-27: The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 2 Aye(s): Senator(s) Keohokalole, Fukunaga; Aye(s) with reservations: none ; 1 No(es): Senator(s) Awa; and 2 Excused: Senator(s) McKelvey, Richards. (Senate)
- 2025-03-21: The committee(s) on CPN will hold a public decision making on 03-27-25 9:30AM; Conference Room 229 & Videoconference. (Senate)
- 2025-03-18: Reported from EDT (Stand. Com. Rep. No. 1125) with recommendation of passage on Second Reading, as amended (SD 1) and referral to CPN. (Senate)
- 2025-03-18: Report adopted; Passed Second Reading, as amended (SD 1) and referred to CPN. (Senate)
- 2025-03-11: The committee(s) on EDT recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in EDT were as follows: 3 Aye(s): Senator(s) DeCoite, Wakai, Fukunaga; Aye(s) with reservations: none ; 2 No(es): Senator(s) Kim, Awa; and 0 Excused: none. (Senate)
- 2025-03-06: Received from House (Hse. Com. No. 186). (Senate)
- 2025-03-06: Passed First Reading. (Senate)
- 2025-03-06: Referred to EDT, CPN. (Senate)
- 2025-03-06: The committee(s) on EDT has scheduled a public hearing on 03-11-25 1:00PM; Conference Room 229 & Videoconference. (Senate)
- 2025-03-04: Passed Third Reading with Representative(s) Iwamoto voting aye with reservations; none voting no (0) and Representative(s) Pierick, Ward excused (2). Transmitted to Senate. (House)
- 2025-02-28: Reported from FIN (Stand. Com. Rep. No. 1113), recommending passage on Third Reading. (House)
- 2025-02-26: Bill scheduled for decision making on Wednesday, 02-26-25 11:00AM in conference room 308 VIA VIDEOCONFERENCE. (House)
- 2025-02-26: The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes were as follows: 15 Ayes: Representative(s) Yamashita, Takenouchi, Grandinetti, Holt, Hussey, Keohokapu-Lee Loy, Kitagawa, Kusch, Lamosao, Lee, M., Miyake, Morikawa, Templo, Alcos, Reyes Oda; Ayes with reservations: none; Noes: none; and 1 Excused: Representative(s) Ward. (House)
- 2025-02-25: The committee(s) on FIN recommend(s) that the measure be deferred until 02-26-25. (House)
- 2025-02-21: Bill scheduled to be heard by FIN on Tuesday, 02-25-25 2:00PM in House conference room 308 VIA VIDEOCONFERENCE. (House)
- 2025-02-14: Reported from CPC (Stand. Com. Rep. No. 784) as amended in HD 2, recommending referral to FIN. (House)
- 2025-02-14: Report adopted; referred to the committee(s) on FIN as amended in HD 2 with Representative(s) Garcia voting aye with reservations; none voting no (0) and Representative(s) Cochran, Matayoshi, Poepoe, Ward excused (4). (House)
- 2025-02-12: The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 7 Ayes: Representative(s) Chun, Ilagan, Ichiyama, Kong, Marten, Pierick; Ayes with reservations: Representative(s) Iwamoto; Noes: none; and 3 Excused: Representative(s) Matayoshi, Lowen, Tam. (House)
- 2025-02-10: Bill scheduled to be heard by CPC on Wednesday, 02-12-25 2:00PM in House conference room 329 VIA VIDEOCONFERENCE. (House)
- 2025-01-30: Reported from TOU (Stand. Com. Rep. No. 14) as amended in HD 1, recommending passage on Second Reading and referral to CPC. (House)
- 2025-01-30: Passed Second Reading as amended in HD 1 and referred to the committee(s) on CPC with none voting aye with reservations; none voting no (0) and Representative(s) Cochran, Ward excused (2). (House)
- 2025-01-28: The committee on TOU recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 6 Ayes: Representative(s) Tam, Templo, Hussey, Ilagan, Todd, Matsumoto; Ayes with reservations: none; 0 Noes: none; and 1 Excused: Representative(s) Holt. (House)
- 2025-01-23: Bill scheduled to be heard by TOU on Tuesday, 01-28-25 10:00AM in House conference room 423 VIA VIDEOCONFERENCE. (House)
- 2025-01-21: Referred to TOU, CPC, FIN, referral sheet 1 (House)
- 2025-01-16: Introduced and Pass First Reading. (House)
- 2025-01-13: Prefiled. (House)

## Bill text

- Bill Text: [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_CD1_.pdf)
- HB97_CD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_CD1_.HTM)
- HB97_HD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_HD1_.HTM)
- HB97_HD2: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_HD2_.HTM)
- HB97_SD1: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_SD1_.HTM)
- HB97_SD2: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_SD2_.HTM)
- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/GM1359_.PDF)

## Related bills

- HB 431: RELATING TO HOUSING. (signed)
- HB 420: RELATING TO REMEDIES. (signed)
- HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS. (signed)
- HB 1064: RELATING TO FIRE PROTECTION. (signed)
- HB 943: RELATING TO HOMELESSNESS. (signed)
- HB 613: RELATING TO HOMELESS YOUTH. (signed)

## Sources
- [Bill Text (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_CD1_.pdf)
- [HB97_CD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_CD1_.HTM)
- [HB97_HD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_HD1_.HTM)
- [HB97_HD2 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_HD2_.HTM)
- [HB97_SD1 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_SD1_.HTM)
- [HB97_SD2 (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_SD2_.HTM)
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/HB97_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/GM1359_.PDF)

## Related
- [HB 431: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-HB431-2025)
- [HB 420: RELATING TO REMEDIES.](https://policyrisk.com/state-bill/HI-HB420-2025)
- [HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS.](https://policyrisk.com/state-bill/HI-HB830-2025)
- [HB 1064: RELATING TO FIRE PROTECTION.](https://policyrisk.com/state-bill/HI-HB1064-2025)
- [HB 943: RELATING TO HOMELESSNESS.](https://policyrisk.com/state-bill/HI-HB943-2025)
- [HB 613: RELATING TO HOMELESS YOUTH.](https://policyrisk.com/state-bill/HI-HB613-2025)
- [Hawaii bills](https://policyrisk.com/states/hawaii/bills)
- [Hawaii state hub](https://policyrisk.com/states/hawaii)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/HI-HB97-2025 (as of 2026-10-27).