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Bill

Bill

SD 2792

An Act relative to travel insurance

194th Legislature (2025-2026) Introduced by Pavel Payano

Bill establishes state regulatory oversight, licensing requirements, and consumer protections for travel insurance products sold to Massachusetts residents.

Referred to the committee on Financial Services
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WeVote Research Nonpartisan
Bill Summary · SD 2792

Legislative bill overview

SD 2792 proposes to establish regulatory frameworks and consumer protections for travel insurance products sold in Massachusetts. The bill would define travel insurance, specify licensing requirements for sellers, and establish disclosure and claims handling standards. This represents an attempt to bring clarity to a largely unregulated insurance product category.

Why is this important

Travel insurance is increasingly purchased by consumers but operates in a regulatory gray area, with unclear consumer protections and variable quality standards. Establishing clear rules would protect Massachusetts residents from predatory practices, unclear policy terms, and inadequate claims processes. The bill could also create competitive fairness by establishing uniform standards for all travel insurance providers operating in the state.

Potential points of contention

  • Insurance industry burden: Travel insurance sellers and travel agencies may argue that new licensing requirements and compliance obligations increase operational costs, potentially raising prices for consumers or discouraging market entry
  • Scope definition ambiguity: Determining what qualifies as "travel insurance" versus other products (credit card protections, airline policies) could create boundary disputes and enforcement challenges
  • Federal preemption questions: Some stakeholders may argue that insurance regulation should remain primarily federal or that state-level rules create fragmentation for national travel insurance companies

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

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