Bill
Bill > S1151
ID S1151
ID S1151Amends, repeals, and adds to existing law to establish the Idaho Travel Insurance Act.
summary
Introduced
03/03/2025
03/03/2025
In Committee
03/04/2025
03/04/2025
Crossed Over
Passed
Dead
04/04/2025
04/04/2025
Introduced Session
2025 Regular Session
Bill Summary
RELATING TO THE IDAHO TRAVEL INSURANCE ACT; AMENDING TITLE 41, IDAHO CODE, BY THE ADDITION OF A NEW CHAPTER 45, TITLE 41, IDAHO CODE, TO PROVIDE FOR A SHORT TITLE, TO PROVIDE FOR THE PURPOSE OF THE CHAPTER, TO DEFINE TERMS, TO ESTABLISH PROVISIONS REGARDING A PREMIUM TAX, TO ESTABLISH PROVISIONS REGARDING TRAVEL PROTECTION PLANS, TO ESTABLISH PROVISIONS REGARDING SALES PRACTICES, TO ESTABLISH PROVISIONS REGARDING TRAVEL ADMINISTRATORS, TO ESTABLISH PROVISIONS REGARDING TRAVEL INSURANCE POLICY CLASSIFICATION AND STANDARDS, AND TO ESTABLISH RULEMAKING PRO- VISIONS; AMENDING SECTION 41-1090, IDAHO CODE, TO REVISE A PROVISION REGARDING THE SHORT TITLE; AMENDING SECTION 41-1091, IDAHO CODE, TO REVISE DEFINITIONS AND TO DEFINE TERMS; AMENDING SECTION 41-1092, IDAHO CODE, TO REVISE PROVISIONS REGARDING REQUIREMENTS FOR LIMITED LINES TRAVEL INSURANCE PRODUCERS; REPEALING SECTION 41-1093, IDAHO CODE, RELATING TO REGISTRATION; REPEALING SECTION 41-1094, IDAHO CODE, RE- LATING TO POLICY TYPES; REPEALING SECTION 41-1095, IDAHO CODE, RELATING TO THE RESPONSIBILITY OF LIMITED LINES TRAVEL INSURANCE PRODUCERS; RE- PEALING SECTION 41-1096, IDAHO CODE, RELATING TO NEGATIVE OPTIONS AND OPT OUTS; REPEALING SECTION 41-1097, IDAHO CODE, RELATING TO ENFORCE- MENT; AMENDING SECTION 41-1003, IDAHO CODE, TO REVISE A DEFINITION; AND DECLARING AN EMERGENCY AND PROVIDING AN EFFECTIVE DATE.
AI Summary
This bill establishes the Idaho Travel Insurance Act, creating a comprehensive legal framework for travel insurance sales in the state. The legislation defines various terms related to travel insurance, such as travel protection plans, travel retailers, and eligible groups, and sets forth detailed regulations for how travel insurance can be offered and sold. Key provisions include requirements for limited lines travel insurance producers, rules about sales practices, and guidelines for travel administrators. The bill mandates that travel insurance can be sold as part of a combined package that may include travel assistance services and cancellation fee waivers, but requires clear disclosure of the different components. It also establishes premium tax requirements, specifies policy classification standards, and outlines marketing practices to prevent deceptive sales tactics. For example, the bill prohibits using negative option sales techniques and requires that marketing materials be consistent with actual policy terms. The legislation applies to travel insurance covering Idaho residents and is designed to protect consumers by ensuring transparent and fair insurance practices in the travel industry, while also providing clear guidelines for insurance producers and retailers offering travel-related insurance products.
Committee Categories
Business and Industry, Justice
Sponsors (0)
No sponsors listed
Other Sponsors (1)
State Affairs Committee (S)
Last Action
Reported Printed; referred to Commerce & Human Resources (on 03/04/2025)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://legislature.idaho.gov/sessioninfo/2025/legislation/S1151/ |
| BillText | https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2025/legislation/S1151.pdf |
| Fiscal Note/Analysis - Statement of Purpose / Fiscal Note | https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2025/legislation/S1151SOP.pdf |
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