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CA Department of Insurance

Lines of Insurance

"Travel insurance" means insurance coverage for personal risks incidental to planned travel, including one or more of the following:

1. Interruption or cancellation of a trip or event.
2. Loss of baggage or personal effects.
3. Damages to accommodations or rental vehicles.
4. Sickness, accident, disability, or death occurring during travel.

Travel insurance does not include major medical plans, which provide comprehensive medical protection for travelers with trips that last six months or longer, including for example, those working overseas as an expatriate or military personnel being deployed.

In addition, travel insurance does not include damage waiver contracts, as defined in paragraph (5) of subdivision (a) of Section 1936 of the Civil Code. The phrase "damage waiver" or "collision damage waiver" cannot be used to describe travel insurance coverage, but the insurance contract may otherwise refer to "damage waiver" or "collision damage waiver" provided by a company, as defined in paragraph (1) of subdivision (a) of Section 1936 of the Civil Code. (Sections 1753(c)(1)(2)(3) of the California Insurance Code)

 

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