MA S2921

Creates a new comprehensive regulatory framework (Chapter 175N) for travel insurance in Massachusetts, defining coverage for trip cancellation/interruption, lost baggage, rental vehicle damage, sickness/accident during travel, emergency evacuation, and repatriation of remains

Establishes licensing requirements for "limited lines travel insurance producers" and allows travel retailers (tour operators, travel agencies, airlines, cruise lines) to offer and disseminate travel insurance under a licensed producer's supervision without individual licensing

Requires consumer protections including clear disclosure of coverage terms prior to purchase, a free-look cancellation period of 15 days (postal mail) or 10 days (electronic delivery) for full refunds, and prohibits "negative option" or pre-checked box sales tactics

Excludes major medical plans covering trips longer than 6 months from the definition of travel insurance, and clarifies that cancellation fee waivers and travel assistance services (translation, concierge, medical referrals) are not insurance products

Takes effect 90 days after enactment and authorizes the Commissioner of Insurance to promulgate implementing regulations