Brochures, Written Materials and Disclosures
The name of the limited lines travel insurance agent must be clearly identified on marketing materials and fulfillment packages that are distributed by the travel retailers to customers. The marketing materials and fulfillment packages shall include the agent's name, business address, email address, telephone number, license number, and the availability of the department's toll-free consumer hotline. (Section 1754(a)(1) of the California Insurance Code)
Disclosures
The limited lines travel insurance agent or their travel retailers shall provide a disclosure to the consumer in either the marketing materials or fulfillment packages that is substantively similar to the following:
"This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker."
Additionally, the limited lines travel insurance agent or the travel retailer makes all of the following disclosures to the prospective insured, which shall be acknowledged in writing by the purchaser or displayed by clear and conspicuous signs that are posted at every location where contracts are executed, including, but not limited to, the counter where the purchaser signs the service agreement, or provided in writing to the purchaser:
- That purchasing travel insurance is not required in order to purchase any other product or service offered by the travel retailer.
- If not individually licensed, that the travel retailer's employee is not qualified or authorized to: answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the travel retailer; and, evaluate the adequacy of the prospective insured's existing insurance coverage. (Sections 1754(a)(8)(A) and (B) of the California Insurance Code)
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