Travel Insurance Model Act
632-2
© 2018 National Association of Insurance Commissioners
E. Solely for the purposes of Travel Insurance, “Eligible Group” means two (2) or more persons who are
engaged in a common enterprise, or have an economic, educational, or social affinity or relationship,
including but not limited to any of the following:
(1) Any entity engaged in the business of providing travel or travel services, including but not limited
to: tour operators, lodging providers, vacation property owners, hotels and resorts, travel clubs,
travel agencies, property managers, cultural exchange programs, and common carriers or the
operator, owner, or lessor of a means of transportation of passengers, including but not limited to
airlines, cruise lines, railroads, steamship companies, and public bus carriers, wherein with regard
to any particular travel or type of travel or travelers, all members or customers of the group must
have a common exposure to risk attendant to such travel;
(2) Any college, school, or other institution of learning, covering students, teachers, employees, or
volunteers;
(3) Any employer covering any group of employees, volunteers, contractors, board of directors,
dependents, or guests;
(4) Any sports team, camp, or sponsor thereof, covering participants, members, campers, employees,
officials, supervisors, or volunteers;
(5) Any religious, charitable, recreational, educational, or civic organization, or branch thereof,
covering any group of members, participants, or volunteers;
(6) Any financial institution or financial institution vendor, or parent holding company, trustee, or agent
of or designated by one or more financial institutions or financial institution vendors, including
accountholders, credit card holders, debtors, guarantors, or purchasers;
(7) Any incorporated or unincorporated association, including labor unions, having a common interest,
constitution and bylaws, and organized and maintained in good faith for purposes other than
obtaining insurance for members or participants of such association covering its members;
(8) Any trust or the trustees of a fund established, created or maintained for the benefit of and covering
members, employees or customers, subject to the Commissioner’s permitting the use of a trust and
the state’s premium tax provisions in [refer to Section 5 herein or, if not used, the state’s existing
premium tax provisions] of one or more associations meeting the above requirements of Paragraph
(7) above;
(9) Any entertainment production company covering any group of participants, volunteers, audience
members, contestants, or workers;
(10) Any volunteer fire department, ambulance, rescue, police, court, or any first aid, civil defense, or
other such volunteer group;
(11) Preschools, daycare institutions for children or adults, and senior citizen clubs;
(12) Any automobile or truck rental or leasing company covering a group of individuals who may
become renters, lessees, or passengers defined by their travel status on the rented or leased vehicles.
The common carrier, the operator, owner or lessor of a means of transportation, or the automobile
or truck rental or leasing company, is the policyholder under a policy to which this section applies;
or
(13) Any other group where the Commissioner has determined that the members are engaged in a
common enterprise, or have an economic, educational, or social affinity or relationship, and that
issuance of the policy would not be contrary to the public interest.
F. “Fulfillment Materials” means documentation sent to the purchaser of a travel protection plan confirming the
purchase and providing the travel protection plan’s coverage and assistance details.