IL SB3639

Subjects insurance companies offering travel insurance to Illinois residents to unfair and deceptive practices provisions of the Illinois Insurance Code, with travel insurance regulations taking priority in case of conflicts.

Requires all pre-purchase documents including sales, advertising, and marketing materials to be consistent with the actual travel insurance policy, forms, endorsements, and certificates of insurance.

Mandates preexisting condition exclusion information be displayed conspicuously with opportunities to learn more provided before purchase, within 5 business days after purchase, and in fulfillment materials.

Allows policyholders to cancel travel insurance for full refunds within 15 days of receiving fulfillment materials by mail or 10 days if delivered electronically, unless the insured has started a covered trip or filed a claim.

Requires insurance companies to disclose whether travel insurance is primary or secondary to other applicable coverage in policy documentation and fulfillment materials.

Exempts travel insurance marketed directly through company websites or aggregator websites from certain regulations if accurate coverage summaries are provided with full policy access through electronic means.