Many exceptions and anomalies across the U.S.
According to Squaremouth, the online travel insurance aggregator, there are quite a few anomalies where common travel insurance benefits are excluded to state residents. Exclusions typically depend on the underwriter and the lengths they need to go to in specific states in order to offer those benefits.
“Some states make it much harder for providers to offer certain coverages, like CFAR or rental car damage, for instance, and thus they are more likely to be excluded in those states,” though not necessarily prohibited by state regulations, a spokeswoman said.
For example, car rental damage coverage might be excluded in Florida, Kansas, Texas, New York and Washington state, Squaremouth noted, while CFAR might not be found on policies in Florida and New Hampshire – as well as New York. (Squaremouth based its reviews on policies from their top underwriters, Berkshire Hathaway, Generali and Nationwide.)
The terms and conditions for an annual travel insurance plan from Allianz Global Assistance state that rental car damage and theft coverage is not available to Kansas, Texas and New York residents.
In a search on Squaremouth, eight policies appeared for a simple travel insurance request for a one-week trip to Mexico departing Mar. 24, with Cancel for Any Reason coverage for a Washington state resident. Squaremouth said 45 policies were ineligible for purchase. When the state of residence was changed to Pennsylvania, 12 policies were available and 40 policies were ineligible.
Read the full Travel Market Report article online here: https://www.travelmarketreport.com/articles/How-State-Regulations-Impact-What-Travel-Insurance-Can-Be-Purchased