WA SB6248

Creates a new regulatory framework for travel insurance in Washington State, establishing licensing requirements for "limited lines travel insurance producers" who sell coverage for trip cancellation, lost baggage, travel-related sickness/accident, emergency evacuation, and repatriation of remains

Allows travel retailers (tour operators, travel agencies, airlines, etc.) to offer and sell travel insurance on behalf of licensed producers without obtaining their own insurance license, provided they register with the producer and complete required training

Requires clear consumer disclosures including policy terms, claims filing process, cancellation rights (15 days by mail, 10 days by other delivery methods for full refund), and whether coverage is primary or secondary to other insurance

Prohibits unfair trade practices including selling policies that could never pay claims, marketing blanket coverage as "free," and using negative opt-out methods that require consumers to uncheck boxes to decline coverage

Classifies travel insurance under the inland marine line of insurance for rate and form filing purposes, with premium taxes based on the policyholder's state of residence; effective date January 1, 2027