Oklahoma 2022 Regular Session

Oklahoma Senate Bill SB287 Compare Versions

Version 1 (Old)

Version 2 (New)

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4		-	An Act
5		-	ENROLLED SENATE
	29	+	HOUSE OF REPRESENTATIVES - FLOOR VERSION
	30	+
	31	+	STATE OF OKLAHOMA
	32	+
	33	+	1st Session of the 58th Legislature (2021)
	34	+
	35	+	ENGROSSED SENATE
6	36		BILL NO. 287 By: Quinn of the Senate
7	37
8	38		and
9	39
10	40		Sims of the House
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17	47		An Act relating to travel insurance; amending
18	48		Sections 3, 4, 5, 6, 8, 9 and 10, Chapter 159, O.S.L.
19	49		2018 (36 O.S. Supp. 20 20, Sections 6711, 6712, 6713,
20	50		6714, 6716, 6717 and 6718), which relate to
21	51		application of the act, definitions, limited lines
22	52		travel insurance producer license, premium taxes,
23	53		application of Unfai r Trade Practices Act,
24	54		qualifications for travel administrators and
25	55		individual or group policies allowed; stating purpose
26	56		of act; modifying applicability of act; modifying
27	57		definitions; authorizing persons with certain lines
28	58		of authority to sell travel insu rance; specifying
29	59		that insurance producers are not required to be
30	60		appointed to sell travel insurance; defining terms;
31	61		requiring disclosure of certain information for pre -
32	62		existing condition exclusions; modifying terms of
33	63		certain refund of travel protection plan;
34	64		establishing unfair trade practice; declaring certain
35	65		requirement for purchasing trip or travel package not
36	66		an unfair trade practice; modifying requirements for
37	67		travel insurance administrator; clarifying exemption
38	68		from Insurance Adjusters Licensing A ct for travel
39	69		administrator; establishing insurer as responsible
40	70		for certain acts of travel administrator; requiring
41	71		travel insurance be filed as certain line of
42	72		insurance; providing exception for filing as certain
43	73		line of insurance; establishing terms of eligibility
44	74		and underwriting standards for travel insurance;
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45	102		updating statutory language; and providing an
46	103		effective date.
47		-
48		-	ENR. S. B. NO. 287 Page 2
49	104
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53		-	SUBJECT: Travel insurance
54		-
55	108		BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
56		-
57	109		SECTION 1. AMENDATORY Section 3, Chapter 159, O.S .L.
58	110		2018 (36 O.S. Supp. 2020, Section 6711), is amended to read as
59	111		follows:
60		-
61	112		Section 6711. A. The purpose of this act is to promote the
62	113		public welfare by creating a comprehensive legal framework within
63	114		which travel insurance may be sold in this state.
64		-
65	115		B. The requirements of the act shall apply to travel insurance
66	116		where covering any resident of this state that is sold, solicited,
67	117		negotiated or offered in this state and policies and certificates
68	118		that are delivered or issued for delivery in this state. It s hall
69	119		not apply to cancellation fee waivers and travel assistance
70	120		services, except as expressly provided herein.
71		-
72	121		B. C. All other applicable provisions of this state ’s insurance
73	122		laws shall continue to apply to travel insurance except that the
74	123		specific provisions of this act the Travel Insurance Act shall
75	124		supersede any general provisions of law that would otherwise be
76	125		applicable to travel insurance.
77		-
78	126		SECTION 2. AMENDATORY Section 4, Chapter 159, O.S.L.
79	127		2018 (36 O.S. Supp. 2020, Sectio n 6712), is amended to read as
80	128		follows:
81	129
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82	156		Section 6712. As used in this act the Travel Insurance Act , the
83	157		term:
84		-
85	158		1. “Aggregator site” means a website that provides access to
86	159		information regarding insurance products from more than one insurer,
87	160		including product and insurer information, for use in comparison
88	161		shopping;
89		-
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91		-	ENR. S. B. NO. 287 Page 3
92	162		2. “Blanket travel insurance ” means a policy of travel
93	163		insurance issued to any eligible group providing coverage for
94	164		specific classes of persons defined in the policy, with coverage
95	165		provided to all members of the eligible group without a separate
96	166		charge to individual members of the eligible group;
97		-
98	167		3. “Cancellation fee waiver ” means a contractual agreement
99	168		between a supplier of travel services and its customer to waive some
100	169		or all of the nonrefun dable cancellation fee provisions of the
101	170		supplier’s underlying travel contract, with or without regard to the
102	171		reason for the cancellation or form of reimbursement. A
103	172		cancellation fee waiver is not insurance;
104		-
105	173		4. “Commissioner” means the Oklahoma Insurance Commissioner;
106		-
107	174		5. “Eligible group” means, solely for the purposes of travel
108	175		insurance, two or more persons who are engaged in a common
109	176		enterprise, or have an economic, educational or social affinity or
110	177		relationship, including, but not limited to, any of t he following:
111		-
112	178		a. any entity engaged in the business of providing travel
113	179		or travel services, including, but not limited to,
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114	207		tour operators, lodging providers, vacation property
115	208		owners, hotels and resorts, travel clubs, travel
116	209		agencies, property managers, cu ltural exchange
117	210		programs and common carriers or the operator, owner or
118	211		lessor of a means of transportation of passengers ,
119	212		including, but not limited to, airlines, cruise lines,
120	213		railroads, steamship companies and public bus
121	214		carriers, wherein with regard to any particular travel
122	215		or type of travel or travelers, all members or
123	216		customers of the group must have a common exposure to
124	217		risk attendant to such travel,
125		-
126	218		b. any college, school or other institution of learning
127	219		covering students, teachers, employees or volu nteers,
128		-
129	220		c. any employer covering any group of employees,
130	221		volunteers, contractors, board of directors,
131	222		dependents or guests,
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134		-	ENR. S. B. NO. 287 Page 4
135	223		d. any sports team, camp or sponsor thereof covering
136	224		participants, members, campers, employees, officials,
137	225		supervisors or volunteers ,
138		-
139	226		e. any religious, charitable, recreational, educational
140	227		or civic organization or branch thereof covering any
141	228		group of members, participants or volunteers,
142		-
143	229		f. any financial institution or financial institution
144	230		vendor, or parent holding company, trustee or agent of
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145	258		or designated by one or more financial institutions or
146	259		financial institution vendors, including
147	260		accountholders, credit card holders, debtors,
148	261		guarantors or purchasers,
149		-
150	262		g. any incorporated or unincorporated association,
151	263		including labor unions, hav ing a common interest,
152	264		constitution and bylaws and organized and maintained
153	265		in good faith for purposes other than obtaining
154	266		insurance for members or participants of such
155	267		association covering its members,
156		-
157	268		h. any trust or the trustees of a fund established,
158	269		created or maintained for the benefit of and covering
159	270		members, employees or customers, subject to the
160	271		Insurance Commissioner authorizing permission of the
161	272		Insurance Commissioner, the use of a trust and the
162	273		state’s premium tax provisions in Section 6 of this
163	274		act 6714 of this title of one or more associations
164	275		meeting the above requirements of this paragraph,
165		-
166	276		i. any entertainment production company covering any
167	277		group of participants, volunteers, audience members,
168	278		contestants or workers,
169		-
170	279		j. any volunteer fire d epartment, ambulance, rescue,
171	280		police, court or any first aid, civil defense or other
172	281		such volunteer group,
173	282
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174	309		k. preschools, daycare institutions for children or
175	310		adults and senior citizen clubs,
176		-
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178		-	ENR. S. B. NO. 287 Page 5
179	311		l. any automobile or truck rental or leasing company
180	312		covering a group of individuals who may become
181	313		renters, lessees or passengers defined by their travel
182	314		status on the rented or leased vehicles. The common
183	315		carrier, the operator, owner or lessor of a means of
184	316		transportation or the automobile or truck rental or
185	317		leasing company is the policyholder under a policy to
186	318		which this paragraph applies, or
187		-
188	319		m. any other group where the Commissioner has determined
189	320		that the members are engaged in a common enterprise,
190	321		or have an economic, educational or social affinity or
191	322		relationship, and that issuance of the policy would
192	323		not be contrary to the public interest;
193		-
194	324		6. “Fulfillment materials ” means documentation sent to the
195	325		purchaser of a travel protection plan confirming the purchase and
196	326		providing the coverage and assistance details of the travel
197	327		protection plan;
198		-
199	328		7. “Group travel insurance ” means travel insurance issued to
200	329		any eligible group;
201		-
202	330		8. “Limited lines travel insurance producer ” means any of the
203	331		following a:
204	332
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205	359		a. licensed managing general agent or third -party
206	360		administrator,
207		-
208	361		b. licensed insurance producer, including a limited lines
209	362		producer, or
210		-
211	363		c. travel administrator;
212		-
213	364		9. “Offer and disseminate ” means providing general information,
214	365		including a description of the coverage and price, as well as
215	366		processing the application and collect ing premiums;
216		-
217	367		10. “Travel administrator ” means a person who directly or
218	368		indirectly underwrites, collects charges, collateral or premiums
219	369		from or adjusts or settles claims on residents of this state, in
220	370		connection with travel insurance, except that a perso n shall not be
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222		-	ENR. S. B. NO. 287 Page 6
223	371		considered a travel administrator if the only actions of the person
224	372		are those that would otherwise cause the person to be considered a
225	373		travel administrator are among the following he or she is:
226		-
227	374		a. a person working for a travel administrator whose
228	375		activities are subject to the supervision and control
229	376		of the travel administrator,
230		-
231	377		b. an insurance producer selling insurance or engaged in
232	378		administrative and claims -related activities within
233	379		the scope of the license of the producer,
234		-
235	380		c. a travel retailer offering and disseminating travel
236	381		insurance and registered under the license of a
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237	409		limited lines travel insurance producer in accordance
238	410		with this act the Travel Insurance Act ,
239		-
240	411		d. an individual adjusting or settling claims in the
241	412		normal course of pract ice or employment of the
242	413		individual as an attorney -at-law and who does not
243	414		collect charges or premiums in connection with
244	415		insurance coverage, or
245		-
246	416		e. a business entity that is affiliated with a licensed
247	417		insurer while acting as a travel administrator for the
248	418		direct and assumed insurance business of an affiliated
249	419		insurer;
250		-
251	420		11. “Travel assistance services ” means noninsurance services
252	421		that may be distributed by limited lines travel insurance producers
253	422		or other entities, and for which there the consumer is no
254	423		indemnification for the travel protection plan customer not
255	424		indemnified based on a fortuitous event, nor any and where providing
256	425		the services does not result in transfer or shifting of risk that
257	426		would constitute the business of insurance. Travel assistance
258	427		services include, but are not limited to: security advisories;
259	428		destination information; vaccination and immunization information
260	429		services; travel reservation services; entertainment; activity and
261	430		event planning; translation assistance; emergency messaging;
262	431		international legal and medical referrals; medical case monitoring;
263	432		coordination of transportation arrangements; emergency cash transfer
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264	460		assistance; medical prescription replacement assistance; passport
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267	461		and travel document replacement assistance; lost lugga ge assistance;
268	462		concierge services; and any other service that is furnished in
269	463		connection with planned travel that is not related to the
270	464		adjudication of a travel insurance claim, unless otherwise approved
271	465		by the Commissioner in a travel insurance filing . Travel assistance
272	466		services are not insurance and not related to insurance;
273		-
274	467		12. “Travel insurance” means insurance coverage for personal
275	468		risks incident to planned travel, including:
276		-
277	469		a. interruption or cancellation of trip or event,
278		-
279	470		b. loss of baggage or per sonal effects,
280		-
281	471		c. damages to accommodations or rental vehicles,
282		-
283	472		d. sickness, accident, disability or death occurring
284	473		during travel,
285		-
286	474		e. emergency evacuation,
287		-
288	475		f. repatriation of remains, or
289		-
290	476		g. any other contractual obligations to indemnify or pay
291	477		a specified amount to the traveler upon determinable
292	478		contingencies related to travel as approved by the
293	479		Commissioner.
294		-
295	480		Travel insurance does shall not include major medical plans that
296	481		provide comprehensive medical protection for travelers with trips
297	482		lasting longer than six (6) months, including, but not limited to,
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298	510		those working or residing overseas as an expatriate, or any other
299	511		product that requires a specific insurance producer license;
300		-
301	512		13. “Travel protection plans ” means plans that provide one or
302	513		more of the following: travel insurance, travel assistance services
303	514		and cancellation fee waivers; and
304		-
305	515		14. “Travel retailer” means a business entity that makes,
306	516		arranges or offers planned travel and may offer and disseminate
307	517		travel insurance as a service to its customers o n behalf of and
308	518		under the direction of a limited lines travel insurance producer.
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311		-
312	519		SECTION 3. AMENDATORY Section 5, Chapter 159, O.S.L.
313	520		2018 (36 O.S. Supp. 2020, Section 6713), is amended to read as
314	521		follows:
315		-
316	522		Section 6713. A. The Insurance Commissioner may issue a
317	523		limited lines travel insurance producer license to an individual or
318	524		business entity that has filed with the Commissioner an application
319	525		for such license in a form and manner prescribed by the
320	526		Commissioner. The limited li nes travel insurance producer shall be
321	527		licensed to sell, solicit or negotiate travel insurance through a
322	528		licensed insurer. No person may act as a limited lines travel
323	529		insurance producer or travel insurance retailer unless properly
324	530		licensed or registered, respectively.
325		-
326	531		B. A travel retailer may offer and disseminate travel insurance
327	532		under a limited lines travel insurance producer business entity
328	533		license only if:
329	534
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330	561		1. The limited lines travel insurance producer or travel
331	562		retailer provides to purchasers of tra vel insurance:
332		-
333	563		a. a description of the material terms or the actual
334	564		material terms of the insurance coverage,
335		-
336	565		b. a description of the process for filing a claim,
337		-
338	566		c. a description of the review or cancellation process
339	567		for the travel insurance policy, and
340		-
341	568		d. the identity and contact information of the insurer
342	569		and limited lines travel insurance producer;
343		-
344	570		2. At the time of licensure, the limited lines travel insurance
345	571		producer shall establish and maintain a register on a form
346	572		prescribed by the Commissioner of each travel retailer that offers
347	573		travel insurance on behalf of the limited lines travel insurance.
348	574		The register shall be maintained and updated by the limited lines
349	575		travel insurance producer and shall include the name, address and
350	576		contact information of t he travel retailer and an officer or person
351	577		who directs or controls the operations of the travel retailer and
352	578		the federal tax identification number of the travel retailer. The
353		-
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355	579		limited lines travel insurance producer shall submit the register to
356	580		the Insurance Department upon reasonable request. The limited lines
357	581		travel insurance producer shall also certify that the registered
358	582		travel retailer complies with 18 U.S.C., Section 1033. The grounds
359	583		for the suspension, revocation and the penalties applicable to
360	584		resident insurance producers, pursuant to Section 1435.13 of Title
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361	612		36 of the Oklahoma Statutes this title, shall be applicable to the
362	613		limited lines travel insurance producers and travel retailers;
363		-
364	614		3. The limited lines travel insurance producer has designat ed
365	615		one of its employees, a designated responsible producer, who is a
366	616		licensed individual producer as the person responsible for the
367	617		compliance with the travel insurance laws and regulations applicable
368	618		to the limited lines travel insurance producer and its registrants;
369		-
370	619		4. The designated responsible producer, president, secretary,
371	620		treasurer and any other officer or person who directs or controls
372	621		the limited lines travel insurance producer ’s insurance operations
373	622		comply with the fingerprinting requirements app licable to insurance
374	623		producers in the resident state of the limited lines travel
375	624		insurance producer;
376		-
377	625		5. The limited lines travel insurance producer has paid all
378	626		applicable insurance producer licensing fees as set forth in Section
379	627		1435.23 of Title 36 of the Oklahoma Statutes this title; and
380		-
381	628		6. The limited lines travel insurance producer requires each
382	629		employee and authorized representative of the travel retailer whose
383	630		duties include offering and disseminating travel insurance to
384	631		receive a program of instruc tion or training, which is subject to
385	632		the discretion of the Commissioner to review and approve. The
386	633		training material shall, at a minimum, contain adequate instructions
387	634		on the types of insurance offered, ethical sales practices and
388	635		required disclosures to prospective customers.
389	636
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390	663		C. Any travel retailer offering or disseminating travel
391	664		insurance shall make available to prospective purchasers brochures
392	665		or other written materials that have been approved by the travel
393	666		insurer. Such materials shall include info rmation which, at a
394	667		minimum:
395		-
396		-
397		-	ENR. S. B. NO. 287 Page 10
398	668		1. Provides the identity and contact information of the insurer
399	669		and the limited lines travel insurance producer;
400		-
401	670		2. Explains that the purchase of travel insurance is not
402	671		required in order to purchase any other product or serv ice from the
403	672		travel retailer; and
404		-
405	673		3. Explains that an unlicensed travel retailer is permitted to
406	674		provide only general information about the insurance offered by the
407	675		travel retailer, including a description of the coverage and price,
408	676		but is not qualified o r authorized to answer technical questions
409	677		about the terms and conditions of the insurance offered by the
410	678		travel retailer or to evaluate the adequacy of the customer ’s
411	679		existing insurance coverage.
412		-
413	680		D. A travel retailer employee or authorized representative who
414	681		is not licensed as an insurance producer may not:
415		-
416	682		1. Evaluate or interpret the technical terms, benefits and
417	683		conditions of the offered travel insurance coverage;
418		-
419	684		2. Evaluate or provide advice concerning existing insurance
420	685		coverage for a prospective purchaser; or
421	686
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422	713		3. Hold himself, herself or itself out as a licensed insurer,
423	714		licensed producer or insurance expert.
424		-
425	715		E. Notwithstanding any other provision in law, a travel
426	716		retailer whose insurance -related activities, and those of its
427	717		employees and authori zed representatives, are limited to offering
428	718		and disseminating travel insurance on behalf of and under the
429	719		direction of a limited lines travel insurance producer meeting the
430	720		conditions stated in this act the Travel Insurance Act , is
431	721		authorized to receive r elated compensation, upon registration by the
432	722		limited lines travel insurance producer as described in paragraph 2
433	723		of subsection B of this section.
434		-
435	724		F. As the insurer designee, the limited lines travel insurance
436	725		producer is responsible for the acts of the t ravel retailer and
437	726		shall use reasonable means to ensure compliance by the travel
438	727		retailer with this act the Travel Insurance Act .
439		-
440		-
441		-	ENR. S. B. NO. 287 Page 11
442	728		G. Any person licensed as an insurance producer with a line of
443	729		authority set forth in paragraphs 1 through 4, 6 and 7 of subs ection
444	730		A of Section 1435.8 of this title is authorized to sell, solicit and
445	731		negotiate travel insurance. The producer is not required to be
446	732		appointed by an insurer in order to sell, solicit or negotiate the
447	733		travel insurance.
448		-
449	734		SECTION 4. AMENDATORY Section 6, Chapter 159, O.S.L.
450	735		2018 (36 O.S. Supp. 2020, Section 6714), is amended to read as
451	736		follows:
452	737
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453	764		Section 6714. A. A travel insurer shall pay premium tax, as
454	765		provided in Section 624 of Title 36 of the Oklahoma Statutes this
455	766		title, on travel insurance premiums paid by any of the following:
456		-
457	767		1. An individual primary policyholder who is a resident of this
458	768		state;
459		-
460	769		2. A primary certificate -holder who is a resident of this state
461	770		who elects coverage under a group travel insurance policy; or
462		-
463	771		3. A blanket travel insurance policyholder that is a resident
464	772		of this state, or has its principal place of business or the
465	773		principal place of business of an affiliate or subsidiary that has
466	774		purchased blanket travel insurance in this state for eligible
467	775		blanket group members, subject to any apportionment rules which
468	776		apply to the insurer across multiple taxing jurisdictions or that
469	777		permits permit the insurer to allocate premium on an apportioned
470	778		basis in a reasonable and equitable manner in those jurisdictio ns.
471		-
472	779		B. A travel insurer shall:
473		-
474	780		1. Document the state of residence or principal place of
475	781		business of the policyholder or certificate -holder, as required in
476	782		subsection A of this section; and
477		-
478	783		2. Report as premium only the amount allocable to travel
479	784		insurance and not any amounts received for travel assistance
480	785		services or cancellation fee waivers.
481		-
482	786		C. For purposes of this section:
483	787
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484	813
485		-	ENR. S. B. NO. 287 Page 12
486	814		1. “Primary certificate holder ” means an individual person who
487	815		elects and purchases travel insurance under a group policy; and
488		-
489	816		2. “Primary policyholder ” means an individual person who elects
490	817		and purchases individual travel insurance.
491		-
492	818		SECTION 5. AMENDATORY Section 8, Chapter 159, O.S.L.
493	819		2018 (36 O.S. Supp. 2020, Section 6716), is amended to read as
494	820		follows:
495		-
496	821		Section 6716. A. All persons offering travel insurance to
497	822		residents of this state are subject to the Unfair Trade Practices
498	823		Act pursuant to Sections 1201 through 1219 of Title 36 of the
499	824		Oklahoma Statutes this title, except as otherwise provided in this
500	825		section. In the event of a conflict between this act the Travel
501	826		Insurance Act and other provisions of Title 36 of the Oklahoma
502	827		Statutes this title regarding the sale and marketing of travel
503	828		insurance and travel protection plans, the provisions of this act
504	829		the Travel Insurance Act shall control.
505		-
506	830		B. Offering or selling a travel insurance policy that could
507	831		never result in payment of any claims for any insured under the
508	832		policy is an unfair trade practice under Section 1203 of Title 36 of
509	833		the Oklahoma Statues this title.
510		-
511	834		C. Marketing.
512		-
513	835		1. All documents provided to consumers prior to the purchase of
514	836		travel insurance, including, but not limited to, sales materials,
515	837		advertising materials and marketing materials, shall be consistent
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516	865		with all the travel insurance policy documents, including, but not
517	866		limited to, forms, endorsements, policies, rate filings and
518	867		certificates of insurance .
519		-
520	868		2. Travel For travel insurance policies or certificates that
521	869		contain pre-existing condition exclusions must clearly disclose the
522	870		exclusion, information about the pre -existing condition exclusions
523	871		shall be provided prior to the time of purchase and shall be in the
524	872		fulfillment materials of the coverage.
525		-
526	873		3. Policyholders or certificate holders shall have a minimum of
527	874		ten (10) days from t he later of the date of purchase of a travel
528		-
529		-	ENR. S. B. NO. 287 Page 13
530	875		protection plan or the delivery of the fulfillment materials of the
531	876		plan to review and cancel the policy or certificate for a full
532	877		refund of the travel protection plan price, unless the insured has
533	878		either started the covered trip or has filed a claim under the
534	879		travel insurance coverage. For the purposes of this paragraph,
535	880		sending documentation confirming the purchase and providing the
536	881		coverage and assistance details of the travel protection plan, as
537	882		applicable, to a physical or electronic mail address provided by the
538	883		purchaser of a travel protection plan shall constitute delivery of
539	884		the travel protection plan ’s fulfillment materials The fulfillment
540	885		materials and the information described in paragraph 1 of subsect ion
541	886		B of Section 6713 of this title shall be provided to a policyholder
542	887		or certificate holder as soon as practicable following the purchase
543	888		of a travel protection plan. Unless the insured has either started
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544	916		a covered trip or filed a claim under the travel insurance coverage,
545	917		a policyholder or certificate holder may cancel a policy or
546	918		certificate for a full refund of the travel protection plan price
547	919		from the date of purchase of the travel protection plan until at
548	920		least:
549		-
550	921		a. fifteen (15) days following the da te of delivery by
551	922		mail of the fulfillment materials of the travel
552	923		protection plan, or
553		-
554	924		b. ten (10) days following the date of delivery by other
555	925		means of the fulfillment materials of the travel
556	926		protection plan.
557		-
558	927		4. The company shall disclose in the policy fulfillment and
559	928		documentation and fulfillment materials whether the travel insurance
560	929		is primary or secondary to other applicable coverage.
561		-
562	930		5. Where travel insurance is marketed directly to a consumer
563	931		through a website of the insurer or by others through an aggregator
564	932		site, it shall not be an unfair trade practice or other violation of
565	933		law where an accurate summary or short description of coverage is
566	934		provided on the web page, so long as the consumer has access to the
567	935		full provisions of the policy through elec tronic means.
568		-
569	936		D. Unless otherwise permitted by state or federal law, no A
570	937		person offering, soliciting or negotiating travel insurance or
571	938		travel protection plans on an individual or group basis may do so
	939	+	using shall not use negative option or opt -out, which would require
572	940
573		-	ENR. S. B. NO. 287 Page 14
574		-	using shall not use negative option or opt-out, which would require
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575	967		a consumer to take an affirmative action to deselect coverage such
576	968		as unchecking a box on an electronic form when they purchase the
577	969		consumer purchases a trip.
578		-
579	970		E. It shall not be an unfair trade practice to include market
580	971		blanket travel insurance coverage with the purchase of a trip,
581	972		provided the coverage is not marketed as free.
582		-
583	973		F. Where the destination jurisdiction of the consumer requires
584	974		insurance coverage, it shall not be an unfair trade practice to
585	975		require that the consumer choose bet ween the following options as a
586	976		condition of purchasing a trip or travel package:
587		-
588	977		1. Purchasing the coverage required by the destination
589	978		jurisdiction through the travel retailer or limited lines travel
590	979		insurance producer supplying the trip or travel packa ge; or
591		-
592	980		2. Agreeing to obtain and provide proof of coverage that meets
593	981		the requirements of the destination jurisdiction prior to departure.
594		-
595	982		SECTION 6. AMENDATORY Section 9, Chapter 159, O.S.L.
596	983		2018 (36 O.S. Supp. 2020, Section 671 7), is amended to read as
597	984		follows:
598		-
599	985		Section 6717. A. Notwithstanding any other provisions of law,
600	986		no person shall act or represent itself as a travel administrator
601	987		for travel insurance in this state unless that person:
602		-
603	988		1. Is a licensed property and casualty insurance producer for
604	989		property insurance in this state with an inland marine line of
605	990		authority for activities permitted under that producer license ;
606	991
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607	1018		2. Holds a valid managing general agent license in this state;
608	1019		or
609		-
610	1020		3. Holds a valid third -party administrator license in this
611	1021		state.
612		-
613	1022		B. A travel administrator and its employees are exempt from the
614	1023		licensing requirements of the Insurance Adjuster Licensing Act ,
615		-
616		-	ENR. S. B. NO. 287 Page 15
617	1024		pursuant to Sections 6201 et seq. of Title 36 of the Oklahoma
618	1025		Statutes this title, for travel i nsurance it administers .
619		-
620	1026		C. An insurer is responsible for the acts of a travel
621	1027		administrator managing travel insurance underwritten by the insurer,
622	1028		and is responsible for ensuring that the travel administrator
623	1029		maintains all books and records relevant to t he insurer, to be made
624	1030		available by the travel administrator to the Insurance Commissioner
625	1031		upon request.
626		-
627	1032		SECTION 7. AMENDATORY Section 10, Chapter 159, O.S.L.
628	1033		2018 (36 O.S. Supp. 2020, Section 6718), is amended to read as
629	1034		follows:
630		-
631	1035		Section 6718. A. Notwithstanding any other provision of the
632	1036		Travel Insurance Act, travel insurance shall be classified and filed
633	1037		for purposes of rates and forms under an inland marine line of
634	1038		insurance; provided, however, that travel insurance covering
635	1039		sickness, accident, disability or death occurring during travel,
636	1040		either exclusively or in conjunction with related coverages of
637	1041		emergency evacuation or repatriation of remains, may be filed under
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638	1069		either an inland marine line of insurance or an accident and health
639	1070		line of insurance.
640		-
641	1071		B. Travel insurance may be provided under an individual policy
642	1072		or under a group or master policy.
643		-
644	1073		C. Eligibility and underwriting standards for travel insurance
645	1074		may be developed and provided based on travel protection plans
646	1075		designed for the individual or identified marketing or distribution
647	1076		channels, provided those standards also meet the underwriting
648	1077		standards for inland marine lines of insurance in this state.
649		-
650	1078		SECTION 8. This act shall become effective Novembe r 1, 2021.
651	1079
652		-
653		-	ENR. S. B. NO. 287 Page 16
654		-	Passed the Senate the 10th day of March, 2021.
655		-
656		-
657		-
658		-	Presiding Officer of the Senate
659		-
660		-
661		-	Passed the House of Representatives the 13th day of April, 2021.
662		-
663		-
664		-
665		-	Presiding Officer of the House
666		-	of Representatives
667		-
668		-	OFFICE OF THE GOVERNOR
669		-	Received by the Office of the Governor this _______ _____________
670		-	day of _________________ __, 20_______, at _______ o'clock _______ M.
671		-	By: _______________________________ __
672		-	Approved by the Governor of the State of Oklahoma this _____ ____
673		-	day of _________________ __, 20_______, at _______ o'clock _______ M.
674		-
675		-	_________________________________
676		-	Governor of the State of Oklahoma
677		-
678		-
679		-	OFFICE OF THE SECRETARY OF STATE
680		-	Received by the Office of the Secretary of State this _______ ___
681		-	day of __________________, 20 _______, at _______ o'clock _______ M.
682		-	By: _______________________________ __
	1080	+	COMMITTEE REPORT BY: COMMITTEE ON INSURANCE, dated 04/01/2021 - DO
	1081	+	PASS.