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March 25th, 2019

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Royal Caribbean and Viking Cruises recently had to temporarily stop selling travel insurance to New Yorkers and residents of several other states because of a conflict with state regulations.

While the two cruise lines were able to resolve the issue and start selling insurance again, what the event demonstrated to consumers and travel agents alike is the crazy patchwork quilt of regulations and filing rules for travel insurance around the U.S.

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.

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