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OregonHB 21282025 Regular SessionHouseWALLET

Relating to travel insurance; and prescribing an effective date.

Sponsored By: Sponsor information unavailable

Signed by Governor

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Bill Overview

Analyzed Economic Effects

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

More groups qualify for travel insurance

Beginning January 1, 2026, groups of at least two people qualify through a shared enterprise or economic, educational, or social connection. Other groups need Oregon insurance director approval, and issuing their policy must not conflict with the public interest. Insurers can offer individual, group, or blanket policies and set eligibility and risk standards under applicable inland marine insurance rules. Rates and policy forms generally use the inland marine filing category; certain travel health, accident, disability, or death coverage can use accident and health instead. The law does not require insurers to offer policies or set buyers' premiums.

Refund rights for travel plan buyers

Beginning January 1, 2026, travel protection plan policyholders and certificate holders can cancel for a full refund. The deadline is the later of 15 days after purchase documents arrive by postal mail or 10 days after other delivery. You must not have started covered travel or submitted a claim.

Travelers gain protection against unwanted insurance

Beginning January 1, 2026, sellers cannot sell policies that can never pay a claim or call blanket travel insurance free. They also cannot add insurance that buyers must deselect to avoid buying. Accurate online coverage summaries receive legal protection when the full policy is available electronically. When a destination requires insurance, sellers can require buyers to choose supplier coverage or obtain compliant coverage elsewhere. Buyers choosing outside coverage must agree to show proof before travel.

Clearer prices and coverage for travelers

Beginning January 1, 2026, bundled travel plan sellers must identify each feature and its price in writing before or at purchase. Buyers must have a chance to learn more, including about preexisting-condition exclusions, before buying. Sellers must promptly provide purchase documents describing each feature, exclusions, claims steps, provider contacts, and whether insurance pays first or second. Sales materials must match the policy. Travel assistance services are not insurance or insurance-related; supplier cancellation fee waivers generally are not insurance either.

Travel insurance administrators face licensing rules

Beginning January 1, 2026, travel insurance administrators need the specified property and casualty producer license or managing general agent endorsement. Administrators and their employees do not need separate adjuster licenses for travel policies the administrator handles. Insurers are responsible for their administrators' acts. Insurers must ensure administrators keep relevant records and provide them to Oregon's insurance director on request.

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

  • HCCP Amendment -4 (Adopted)

    4/3/2025

    PDF

  • HCCP Amendment -3 (Proposed)

    4/1/2025

    PDF

  • HCCP Amendment -4 (Proposed)

    4/1/2025

    PDF

  • A-Engrossed

    PDF

  • Enrolled

    PDF

  • House Amendments to Introduced

    PDF

  • Introduced

    PDF

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