Bill
Bill > H0644
ID H0644
ID H0644Amends, repeals, and adds to existing law to establish the Idaho Travel Insurance Act.
summary
Introduced
02/12/2026
02/12/2026
In Committee
02/13/2026
02/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026 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 new chapter in Idaho law to regulate the sale of travel insurance. It defines key terms like "travel insurance" (coverage for risks related to planned travel, such as trip cancellation, lost luggage, or sickness during travel), "travel protection plans" (which can include travel insurance, travel assistance services, and cancellation fee waivers), and "travel administrator" (a person who handles premiums or claims for travel insurance). The Act outlines provisions for premium taxes on travel insurance, requires clear disclosure of what is included in travel protection plans, and sets standards for sales practices, prohibiting deceptive practices like "negative option" sales where coverage is automatically included unless opted out. It also clarifies the responsibilities of travel administrators and how travel insurance policies should be classified for regulatory purposes. Additionally, the bill amends existing definitions and repeals outdated sections related to travel insurance producers and policy types to align with the new comprehensive framework. The Act is declared an emergency and will take effect on July 1, 2026.
Committee Categories
Business and Industry
Sponsors (0)
No sponsors listed
Other Sponsors (1)
Business Committee (House)
Last Action
Reported Printed and Referred to Business (on 02/13/2026)
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/2026/legislation/H0644/ |
| BillText | https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2026/legislation/H0644.pdf |
| Fiscal Note/Analysis - Statement of Purpose / Fiscal Note | https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2026/legislation/H0644SOP.pdf |
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