1. 1. “Travel insurance” means insurance coverage for personal risks incident to planned travel, including, without limitation:

   1. (a) Interruption or cancellation of a trip or event;
   2. (b) Loss of baggage or personal effects;
   3. (c) Damages to accommodations or rental vehicles;
   4. (d) Sickness, accident, disability or death occurring during travel;
   5. (e) Emergency evacuation;
   6. (f) Repatriation of remains; or
   7. (g) Any other contractual obligation to indemnify or pay a specified amount to the traveler upon determinable contingencies related to travel that is approved by the Commissioner.

2. 2. The term does not include:

   1. (a) Travel assistance services;
   2. (b) A cancellation fee waiver;
   3. (c) A major medical plan that provides comprehensive medical protection for a traveler on a trip lasting longer than 6 months, including, without limitation, a traveler who is working or residing overseas as an expatriate; or
   4. (d) Any other product that a person is prohibited from selling, soliciting or negotiating unless the person holds a specific license as a producer of insurance.

(Added to NRS by 2023, 3272)