An Act Regarding Travel Insurance in the Maine Insurance Code
Maine Legislature, Session 127, LD 0975
Committee: Insurance and Financial Services
Sponsors: BECK, BAKER, BROOKS, FOLEY, PICCHIOTTI, PRESCOTT, SANDERSON, HASKELL
Amends: 24-A MRSA §601, 24-A MRSA §1420-F, 24-A MRSA §1420-H

Legislative Document 
No. 975 
H.P. 672 
House of Representatives, March 18, 2015 
An Act Regarding Travel Insurance in the Maine Insurance Code 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
ROBERT B. HUNT 
Clerk 
Presented by Representative BECK of Waterville. 
Cosponsored by Senator BAKER of Sagadahoc and 
Representatives: BROOKS of Lewiston, FOLEY of Wells, PICCHIOTTI of Fairfield, 
PRESCOTT of Waterboro, SANDERSON of Chelsea, Senator: HASKELL of Cumberland. 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1.  24-A MRSA §601, sub-§31 is enacted to read: 
31.  Limited lines travel insurance producer. Limited lines travel insurance 
producer licensing fees may not exceed: 
A.  Original license issuance fee, $500; and 
B.  Annual renewal fee, $300. 
Sec. 2.  24-A MRSA §1420-F, sub-§1, ¶H, as enacted by PL 2001, c. 259, §24, 
is amended to read: 
H.  Travel accident and baggage insurance contracts as defined in section 7052, 
subsection 4, which are is a limited line; 
Sec. 3.  24-A MRSA §1420-H, sub-§3, ¶B, as enacted by PL 2001, c. 259, §24, 
is amended to read: 
B.  An applicant for a license as a limited lines travel insurance producer who solicits 
or sells travel and baggage insurance as defined in section 7052, subsection 2; 
Sec. 4.  24-A MRSA c. 90 is enacted to read: 
CHAPTER 90 
LIMITED LINES TRAVEL INSURANCE 
§7051.  Short title 
This chapter may be known and cited as "the Limited Lines Travel Insurance Act." 
§7052.  Definitions 
As used in this chapter, unless the context otherwise indicates, the following terms 
have the following meanings. 
1.  Designated responsible producer.  "Designated responsible producer" means the 
individual licensed producer responsible for ensuring compliance by the limited lines 
travel insurance producer with travel insurance laws and rules of the State.  
2.  Limited lines travel insurance producer.  "Limited lines travel insurance 
producer" means an insurance producer that is designated by an insurer as the travel 
insurance supervising entity that is a licensed: 
A.  Managing general underwriter; 
B.  Managing general agent or 3rd-party administrator; or 
C.  Insurance producer designated by an insurer. 
3.  Offer and disseminate.  "Offer and disseminate" means providing general 
information, including a description of the coverage and price, as well as processing the 
application, collecting premiums and performing other nonlicensed activities permitted 
by the State. 
4.  Travel insurance.  "Travel insurance" means insurance coverage for personal 
risks incident to planned travel, including but not limited to: 
A.  Interruption or cancellation of a trip or event; 
B.  Loss of baggage or personal effects; 
C.  Damages to accommodations or rental vehicles; or 
D.  Sickness, accident, disability or death occurring during travel. 
"Travel insurance" does not include a major medical plan that provides comprehensive 
medical protection for travelers with trips lasting 6 months or longer, including those 
working abroad and military personnel. 
5.  Travel retailer.  "Travel retailer" means a business entity that makes, arranges or 
offers travel services and may offer and disseminate travel insurance as a service to its 
customers on behalf of and under the direction of a limited lines travel insurance 
producer. 
§7053.  Licensure 
1.  Issuance of license.  Notwithstanding any other provision of this Title, upon filing 
an application for a limited license in the form and manner prescribed by the 
superintendent, the superintendent may issue a limited lines travel insurance producer 
license to an individual or business entity authorizing the individual or business entity to 
sell, solicit or negotiate travel insurance as a limited lines travel insurance producer 
through a licensed insurer. 
§7054.  Requirements 
A limited lines travel insurance producer may authorize a travel retailer to offer and 
disseminate travel insurance only after the limited lines travel insurance producer has met 
the following requirements. 
1.  Disclosure.  The limited lines travel insurance producer or travel retailer shall 
provide to purchasers of travel insurance: 
A.  A description of the material terms or the actual material terms of the insurance 
coverage; 
B.  A description of the process for filing a claim; 
C.  A description of the review or cancellation process for the travel insurance policy; 
and 
D.  The identity and contact information of the designated responsible producer and 
limited lines travel insurance producer. 
2.  Registry of travel retailers.  The limited lines travel insurance producer shall 
establish and maintain a register on a form prescribed by the superintendent of each travel 
retailer that offers travel insurance on the limited lines travel insurance producer's behalf. 
The register must be maintained and updated by the limited lines travel insurance 
producer and must include the name, address and contact information of the travel retailer 
and an officer or person who directs or controls the travel retailer's operations and the 
travel retailer's federal employer identification number. The limited lines travel insurance 
producer shall submit the register to the superintendent upon request. The limited lines 
travel insurance producer shall certify that the travel retailer registered complies with 
applicable federal law. 
3.  Designated responsible producer.  The limited lines travel insurance producer 
shall designate one of its employees who is a licensed insurance producer under chapter 
16, subchapter 2-A as the designated responsible producer. 
4.  Fees.  The limited lines travel insurance producer shall pay all applicable 
insurance producer licensing fees as set forth in section 601, subsection 31. 
5.  Training.  The limited lines travel insurance producer shall require each employee 
of the travel retailer whose duties include offering and disseminating travel insurance to 
receive a program of instruction or training, which may be subject to review by the 
superintendent. The training material must, at a minimum, contain instructions on the 
types of insurance offered, ethical sales practices and required disclosures to prospective 
customers. 
§7055.  Brochures 
1.  Brochures.  Any travel retailer offering or disseminating travel insurance shall 
make available to prospective purchasers brochures or other written materials that: 
A.  Provide the identity and contact information of the insurer and the limited lines 
travel insurance producer; 
B.  Explain that the purchase of travel insurance is not required in order to purchase 
any other product or service from the travel retailer; and 
C.  Explain that a travel retailer that is not licensed as an insurance producer is 
permitted to provide general information about the insurance offered by the travel 
insurance producer or insurer, including a description of the coverage and price, but 
is not qualified or authorized to answer technical questions about the terms and 
conditions of the insurance offered by the travel retailer or to evaluate the adequacy 
of the customer's existing insurance coverage. 
§7056.  Prohibited acts 
1.  Prohibited acts.  A travel retailer that is not licensed as an insurance producer 
may not: 
A.  Evaluate or interpret the technical terms, benefits and conditions of the offered 
travel insurance coverage; 
B.  Evaluate or provide advice concerning a prospective purchaser's existing 
insurance coverage; or 
C.  Purport to be a licensed insurer, licensed producer or insurance expert. 
§7057.  Compensation 
1.  Compensation.  A travel retailer that is registered pursuant to section 7054, 
subsection 2 is entitled to receive related compensation by the limited lines travel 
insurance producer. 
§7058.  Policy; responsibilities; enforcement 
1.  Policy.  Travel insurance may be provided under an individual policy or under a 
group or master policy. 
2.  Responsibility.  The limited lines travel insurance producer is responsible for the 
acts of the travel retailer and shall use reasonable means to ensure compliance by the 
travel retailer with this chapter. 
3.  Enforcement.  The limited lines travel insurance producer and any travel retailer 
offering and disseminating travel insurance under the limited lines travel insurance 
producer license is subject to chapters 16 and 23. 
SUMMARY 
This bill establishes a limited lines travel insurance license under the Maine 
Insurance Code. The bill regulates the practice of providing travel insurance to consumers 
in the State and sets out the requirements for allowing a travel retailer to offer and 
disseminate travel insurance.