If your travel group includes people who live in different states, each group of travelers will need to purchase separate travel insurance plans based on their state of residence.
For example, if three travelers live in Pennsylvania and two live in California, the Pennsylvania residents can be on one plan, and the California residents would need to purchase a separate plan.
This is because travel insurance policies are regulated at the state level, and coverage options, pricing, and eligibility can vary depending on where each traveler lives. Listing the correct state of residence ensures that everyone receives the appropriate coverage available to them.
While it may feel a bit more complex, this approach helps ensure that each traveler is properly protected under the rules that apply to their home state.