WA HB2087

Creates a comprehensive regulatory framework for travel insurance in Washington State, 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 coverage to include trip interruption/cancellation, lost baggage, rental vehicle damages, sickness/accident/death during travel, emergency evacuation, and repatriation of remains, while excluding major medical plans for trips over six months

Requires travel insurers to pay premium tax under RCW 48.14.020 based on the policyholder's state of residence, and mandates that only amounts allocable to actual travel insurance be reported as premium (excluding travel assistance services and cancellation fee waivers)

Prohibits unfair trade practices including selling policies that could never pay claims, marketing blanket coverage as free, and using negative option/opt-out methods that require consumers to affirmatively deselect coverage when purchasing trips

Establishes consumer protection requirements including 10-15 day cancellation periods for full refunds, mandatory disclosure of preexisting condition exclusions, and clear delineation between travel insurance, travel assistance services, and cancellation fee waivers in fulfillment materials; takes effect January 1, 2027