RCW 48.216.080: Classification and filing of travel insurance. (Effective January 1, 2027.)

(1)(a) Subject to (b) and (c) of this subsection, notwithstanding any other provision of this title, travel insurance is classified and filed for purposes of rates and forms under an inland marine line of insurance.

(b) Travel insurance that provides coverage for sickness, accident, disability, or death occurring during travel, either exclusively, or in conjunction with related coverages of emergency evacuation or repatriation of remains, or incidental limited property and casualty benefits such as baggage or trip cancellation, may be filed under either an accident and health line of insurance or an inland marine line of insurance.

(c) The rates and forms filings per product may only be filed under one line of insurance.

(2) Travel insurance may be in the form of an individual, group, or blanket policy.

(3)(a) Travel insurance rates may vary due to marketing or distribution channels.

(b) Eligibility and underwriting standards for travel insurance may be developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels, provided those standards also meet the state's underwriting standards for inland marine.

(4) Subsections (1) through (3) of this section do not constitute a violation of RCW 48.18.480 when used for travel insurance.