1.  The provisions of this chapter apply to:

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(a) Travel insurance that covers any resident of this State and is sold, solicited, negotiated or offered in this State; and

(b) Policies and certificates of travel insurance that are delivered or issued for delivery in this State.

2.  A cancellation fee waiver or travel assistance services do not constitute insurance and, except as otherwise expressly provided in this chapter, the provisions of this chapter do not apply to a cancellation fee waiver or travel assistance services.