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H 4352

An Act relative to travel insurance

194th Legislature (2025-2026) Introduced by Tackey Chan

Massachusetts bill regulates travel insurance sales and providers through licensing requirements and consumer protection standards for the previously largely unregulated industry.

Hearing scheduled for 11/04/2025 from 10:30 AM-01:30 PM in A-2
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Bill Summary · H 4352

Legislative bill overview

H 4352 establishes a regulatory framework for travel insurance products in Massachusetts, defining what constitutes travel insurance and setting licensing and consumer protection standards for insurers and travel sellers offering these products. The bill aims to bring travel insurance under state insurance regulation, which has previously operated in a regulatory gray area.

Why is this important

Travel insurance is a growing market where consumers purchase coverage for trip cancellations, medical emergencies abroad, and other travel-related risks, yet the industry has lacked clear state oversight. Standardizing regulations protects consumers from misleading sales practices, ensures financial solvency of insurers, and clarifies the rights and responsibilities of all parties involved in travel insurance transactions.

Potential points of contention

  • Industry compliance costs: Travel companies and online travel agencies may face increased licensing and reporting requirements, potentially raising costs passed to consumers
  • Definition scope: Determining what products qualify as "travel insurance" versus other types of coverage (health, accident) could create disputes about regulatory jurisdiction
  • Non-resident insurer regulation: Travel insurance often involves out-of-state sellers and foreign insurers, making enforcement and consumer recourse challenging

Compiled from official sources — confirm details with the bill’s official record.

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