MN SF3779

Creates a comprehensive regulatory framework for travel insurance in Minnesota under new Chapter 65C, establishing licensing requirements for limited lines travel insurance producers and registration requirements for travel retailers who sell travel insurance on their behalf

Defines travel insurance to cover trip cancellation/interruption, lost baggage, accommodation/rental vehicle damages, illness/accident/death during travel, emergency evacuation, and repatriation of remains—explicitly excluding major medical plans for trips over six months

Requires travel retailers to provide consumers with written disclosures including material coverage terms, claims filing processes, cancellation procedures, and insurer/producer contact information; prohibits "negative option" sales tactics that pre-select coverage requiring consumers to opt out

Establishes consumer protections including a 10-15 day free-look cancellation period after receiving fulfillment materials, mandatory disclosure of preexisting condition exclusions before purchase, and requirements that marketing materials be consistent with actual policy terms

Effective 90 days after enactment, applies premium taxes based on the policyholder's Minnesota residency and classifies travel insurance as inland marine for rate/form filing purposes