州法规如何影响可以购买哪些旅行保险
by理查德·德·安布罗西奥(Richard D’Ambrosio)/
由于与州法规的冲突,皇家加勒比海和维京巡游最近不得不暂时停止向纽约州和其他几个州的居民出售旅行保险。
While the two cruise lineswere able to resolve the issue and start selling insurance again,事件向消费者和旅行社展示的是法规的疯狂拼布和美国各地旅行保险的申请规则
Travel insurance is regulated by each of the U.S. 50 states for any sales within their state boundaries. This means that to offer coverage nationally, insurers need to file and have approved their coverage with 50 different insurance departments.
New York is cited by many industry experts to be one of the greatest outliers when it comes to anomalies in travel insurance regulations. For example, the state currently prohibits the sale of Cancel for Any Reason (CFAR) insurance. According to the state’s published regulations, a “Cancel for Any Reason Waiver” or “Change of Mind” provision “is not based upon the happening of a fortuitous event,” as defined in the state’s Insurance Law 1101.
beplay客服旅行市场报告要求纽约金融服务部发言人解释法律。他们写道:“保险旨在为不可预见的事件提供保护,该事件是偶然或事故发生的,而受影响的人无法控制。“出于任何原因取消”允许购买者控制导致付款的事件,我们认为这不是保险。”
当被问及国家是否有过或考虑允许CFAR保险时,发言人拒绝发表评论,称该州没有讨论其监管审议过程。
“I love New York, but it is right there at the king of the mountain, saying, ‘We do it differently,” said Jason Schreier, CEO for APRIL Travel Protection, the Miami-based U.S. division of APRIL Group, a 30-year-old global insurance conglomerate. “It starts with cancel for any reason, but even permeates licensing requirements.”
(New York also is one of a handful of states that hasn’t signed on to a national umbrella model for licensing travel agents to sell travel insurance across all 50 states.)
Travel Market Report contacted numerous travel insurance executives for comment on state regulations and filing procedures. Most declined to be quoted in this story, concerned that their participation would draw unwanted attention to their next state travel insurance filings. “We don’t want to rattle that cage,” said one travel insurance official who asked to remain anonymous.
美国的许多例外和异常
根据在线旅行保险聚合商Squaremouth的说法,有很多异常情况将常见的旅行保险福利不包括在州居民身上。排除通常取决于承销商以及他们在特定州需要付出的时间以提供这些利益。
一位女发言人说:“例如,提供者很难提供某些覆盖范围,例如CFAR或租赁汽车损坏,因此在这些州更有可能被排除在这些州,”尽管不一定受国家法规禁止。
For example, car rental damage coverage might be excluded in Florida, Kansas, Texas, New York and Washington state, Squaremouth noted, while CFAR might not be found on policies in Florida and New Hampshire – as well as New York. (Squaremouth based its reviews on policies from their top underwriters, Berkshire Hathaway, Generali and Nationwide.)
The terms and conditions for an annual travel insurance plan from Allianz Global Assistance state that rental car damage and theft coverage is not available to Kansas, Texas and New York residents.
In a search on Squaremouth, eight policies appeared for a simple travel insurance request for a one-week trip to Mexico departing Mar. 24, with Cancel for Any Reason coverage for a Washington state resident. Squaremouth said 45 policies were ineligible for purchase. When the state of residence was changed to Pennsylvania, 12 policies were available and 40 policies were ineligible.
“State regulations and statutes vary greatly, and there may be certain coverages that are not available in all states. Conversely some states actually expand coverage over what other states may provide,” said Megan Cruz, CAE, executive director at the US Travel Insurance Association, in Rockville, Maryland.
“我建议您考虑购买保险的人在考虑购买时有关任何特定州的问题。如果他们不确定,他们应该直接与公司联系。”克鲁兹说。
州逐个状态的过程可能耗时且昂贵,并且经常减慢全国旅行保险产品的推出,正如2018年夏季,当安联在8月23日启动其新的SmartBenefits计划时所见。
SmartBenefits was not available for Indiana and Alaska consumers until Aug. 29; Texas consumers until Oct. 9; and Massachusetts residents until Nov. 12. SmartBenefits is still not available to residents of New York and Washington State, but Allianz said in a statement to Travel Market Report that it is “hopeful that it will be available to our customers in those states in the near future.”