Kentucky Revised Statutes Title XXV. Business and Financial Institutions § 304.52-050.Persons offering travel insurance are subject to Subtitle 12; information provided to consumers; acts that do not constitute unfair trade practices; negative option or opt-out

(a) Offering or selling a travel insurance policy that could never result in payment of any claims for any insured under the policy; or

(b) Marketing blanket travel insurance as free.

(4)(a) All documents provided to consumers prior to the purchase of travel insurance, including but not limited to sales materials, advertising materials, and marketing materials, shall be consistent with the travel insurance policy or certificate itself, including but not limited to forms, endorsements, policies, rate filings, and certificates of insurance.

(b) For travel insurance policies or certificates containing pre-existing condition exclusions, information, and an opportunity to learn more, about the pre-existing condition exclusions shall be provided to the consumer prior to the time of purchase and in the fulfillment materials.

(a) Providing an accurate summary or short description of coverage on an insurer's Web site, or through an aggregator site, that markets travel insurance directly to the consumer, so long as the consumer has access to the full provisions of the travel insurance policy through electronic means; and

(b) When a consumer's destination jurisdiction requires insurance coverage, requiring the consumer to choose between the following options as a condition of purchasing a trip or travel package: