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OregonHB 21282025 Regular SessionHouseWALLET

Relating to travel insurance; and prescribing an effective date.

Sponsored By: Sponsor information unavailable

Became Law

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Bill Overview

Analyzed Economic Effects

5 provisions identified: 1 benefits, 0 costs, 4 mixed.

Clearer travel plan info and refunds

Beginning January 1, 2026, you can cancel a travel protection plan for a full refund until the later of 15 days after postal delivery or 10 days after other delivery, if you have not started the trip and have not filed a claim. Sellers must clearly list what a bundled plan includes, let you see separate prices, and give post‑purchase documents with contacts. Any ads or sales materials you see before buying must match the real policy. If a policy excludes preexisting conditions, the seller must tell you before you buy and let you learn more. Sellers must send fulfillment materials as soon as possible after purchase and state if coverage is primary or secondary. Websites may show a short, accurate summary only if they link to the full policy terms.

No opt-out sales and destination rules

Beginning January 1, 2026, it is illegal to sell travel insurance that can never pay a claim, to market blanket coverage as "free," or to add coverage by default that you must opt out of. If your destination requires insurance, the seller may require you to buy their coverage or show proof of your own before travel.

Licensing and oversight for travel administrators

Starting January 1, 2026, a "travel insurance administrator" is a person that underwrites, collects premiums, or handles claims for travel insurance. Administrators must be properly licensed as property and casualty producers or have a managing general agent endorsement. Administrators and their employees do not need a separate adjuster license for travel policies they administer. Insurers are responsible for their administrators’ actions and must ensure administrators keep books and records available to the Director.

New rules for travel retailers and producers

Beginning January 1, 2026, travel retailers may offer insurance under a limited lines producer and be paid. A travel retailer is a travel business offering insurance at a producer’s direction, and travel insurance administrators can be limited lines producers. Producers must give buyers coverage, claim, and cancellation details with producer and insurer contacts, and must keep a register of retailers with key info, provide it to the Director within 30 days on request, name a compliance employee, follow fingerprint rules, and train retailer staff. Retailer staff who are not licensed producers cannot give technical insurance advice or claim to be experts. Producers are responsible for their retailers’ actions, and the Director may revoke a producer’s license or remove noncompliant retailers from the producer’s register.

What counts as travel insurance in Oregon

Starting January 1, 2026, Oregon defines travel insurance to include trip cancellation or interruption, lost baggage, rental or lodging damage, sickness, accident, disability or death during travel, emergency evacuation, and repatriation. It does not include major medical plans for trips six months or more, cancellation‑fee waivers, or travel assistance services like concierge or emergency cash. Insurers may sell policies as blanket, group, or individual and may set plan‑specific eligibility and underwriting if they follow state rules. Most travel insurance rates and forms are filed under inland marine; medical‑type travel coverage may be filed under accident and health or inland marine. These rules govern travel insurance marketing and sales in Oregon, and they control if other insurance rules conflict. They apply to policies for Oregon residents that are sold or delivered in Oregon on or after January 1, 2026.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 97 • No: 1

Senate vote • 5/7/2025

Third reading. Carried by Bonham. Passed.

Yes: 28 • No: 1

Senate vote • 4/29/2025

Labor and Business: Heard and Reported Out

Yes: 5 • No: 0

House vote • 4/14/2025

Third reading. Carried by Wallan. Passed.

Yes: 55 • No: 0

House vote • 4/3/2025

Commerce and Consumer Protection: Heard and Reported Out with Amendments

Yes: 9 • No: 0

Actions Timeline

  1. Chapter 71, (2025 Laws): effective on the 91st day following adjournment sine die.

    6/6/2025House

  2. Governor signed.

    5/14/2025House

  3. President signed.

    5/8/2025Senate

  4. Speaker signed.

    5/8/2025House

  5. Third reading. Carried by Bonham. Passed.

    5/7/2025Senate

  6. Second reading.

    5/6/2025Senate

  7. Recommendation: Do pass the A-Eng. bill.

    5/6/2025Senate

  8. Work Session held.

    4/29/2025Senate

  9. Public Hearing held.

    4/24/2025Senate

  10. Referred to Labor and Business.

    4/15/2025Senate

  11. First reading. Referred to President's desk.

    4/15/2025Senate

  12. Third reading. Carried by Wallan. Passed.

    4/14/2025House

  13. Second reading.

    4/10/2025House

  14. Recommendation: Do pass with amendments and be printed A-Engrossed.

    4/9/2025House

  15. Work Session held.

    4/3/2025House

  16. Public Hearing held.

    2/11/2025House

  17. Referred to Commerce and Consumer Protection.

    1/17/2025House

  18. First reading. Referred to Speaker's desk.

    1/13/2025House

Bill Text

  • Enrolled

    5/7/2025

    PDF

  • A-Engrossed

    4/9/2025

    PDF

  • House Amendments to Introduced

    4/9/2025

    PDF

  • HCCP Amendment -4 (Adopted)

    4/3/2025

    PDF

  • HCCP Amendment -3 (Proposed)

    4/1/2025

    PDF

  • HCCP Amendment -4 (Proposed)

    4/1/2025

    PDF

  • Introduced

    1/10/2025

    PDF

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