Oregon Becomes 39th State to Enact Travel Insurance Model Law USTIA’s Road to 50 Gains Momentum in 2025

The U.S. Travel Insurance Association (USTIA) is proud to announce a significant milestone in our policy modernization efforts: Oregon has officially adopted the NCOIL/NAIC Travel Insurance Model Act. With the signing of HB 2128 by Governor Tina Kotek, Oregon becomes the 39th state to enact a version of the model law — and the second state to do so in 2025.

This development represents more than just another checkmark on the map. The Model Act is designed to establish consistent, consumer-friendly regulations nationwide, providing clear standards for both the travel insurance industry and the consumers it serves. As more states adopt the legislation, the result is a more transparent, streamlined, and effective system for protecting travelers.

For years, USTIA has championed this legislative effort, advocating for uniformity across state lines and engaging in constructive dialogue with regulators, legislators, and industry partners. The adoption of HB 2128 in Oregon is a testament to that work and reflects the growing recognition of the need for clear, modernized travel insurance laws.

With 11 states remaining, the Road to 50 is in full swing. Each new adoption brings us closer to a national standard that benefits both travelers and the industry.

We applaud Oregon’s leadership and look forward to sharing more progress in the months ahead.

To read the full text of HB 2128, click here.