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OnArrival

Cover priced per trip, bound in the booking call.

Real-time underwriting against the actual risk: route, carrier reliability, season, fare class. Claims that pay themselves. Bring your own paper, or launch on ours.

Illustration: a traveller strolling dry and content under a wide umbrella through soft rain, rolling a suitcase past a warmly lit café.
quote-to-bind, median
240ms
median claim settlement
6 days
licensed jurisdictions
38
How it works

Quote and bind in one flow.

Pass the route, carrier, dates, fare class and traveller count. One call returns a trip-specific quote, 240ms at the median, and binds it on booking confirmation. The response includes residence-specific disclosures and the payout schedule, ready for the offer card.

Read the reference
In depth

A fintech layer, not a referral link.

Most "travel insurance integrations" are lead-gen for someone else’s call centre. This is an underwriting engine with an API.

01

The CFAR engine

Cancel For Any Reason as a first-class product, underwritten by OnArrival, with payout schedules priced per trip in real time. Customers redeem in-app with a clear payout, not a phone tree.

Product
02

Real-time underwriting

Every quote is priced on the actual risk: route, carrier reliability, season, fare class, traveller profile, historical disruption on the leg. No static rate cards: a 240ms risk decision per trip.

Pricing
03

Launch products with us

Insurers use our rails to ship new travel products (parametric flight-delay payouts, baggage cover, visa-rejection refunds) with product config, filing support and distribution included.

For insurers
04

Embedded distribution

Your checkout, your brand, our paper. Coverage renders inline on the offer card, with disclosures auto-generated for the traveller’s residence jurisdiction.

Distribution
05

Claims automation

Travellers file in-app with a photo of the receipt; OCR does the form-keying and the payout lands on the original payment method. Anything that needs a human escalates with the full file attached, never back to a blank form.

Claims
REAL-TIME RISK PRICINGLOWER RISKBOM → DXBcarrieron-time 91%seasonlow · SephistorycleanHIGHER RISKBOM → DXBcarrieron-time 64%seasonpeak · Dechistory2 delaysLOWHIGHrisk priced liveTRIP A · PREMIUM$0TRIP B · PREMIUM$0same route, different risk,different price — priced, not flat
Capabilities

The Travel Fintech surface

Coverage
  • Cancel For Any Reason (CFAR)
  • Medical + emergency evac
  • Baggage delay/loss
  • Parametric flight delay
  • Adventure / extreme cover
Underwriting
  • Real-time risk pricing
  • Bind on booking confirm
  • Multi-traveller policies
  • Pre-existing condition waivers
  • Dynamic payout schedules
Claims
  • Claims API + portal
  • Document upload + OCR
  • Auto-pay <$500
  • Parametric delay payouts
  • 6-day median settlement
For insurers
  • Product configuration rails
  • Filing & disclosure support
  • Distribution into our network
  • Bring-your-own paper
  • Licensed in 38 jurisdictions
For insurers

Insurers spend two years launching a travel product. On our rails it’s a quarter: we bring the risk data, the distribution, the claims ops. You bring the appetite.

Quote-to-bind, median240ms
Median claim settlement6 days
Small claims auto-paid<$500
Inventory

Licensed, filed, and live.

This is the financial layer, so the credibility is concrete. Real paper, real filings, a real claims operation behind every quote.

PAPER

OnArrival paper

Underwritten by OnArrival, backed by tier-one reinsurance. Or bring your own carrier and use the engine for pricing and claims only.

Tier-one reinsured
FILINGS

38 jurisdictions

Product filings and per-market disclosures handled for you; the quote API only returns products legal for the traveller’s residence.

NA · EU · Gulf · APAC
CLAIMS

Claims ops included

OCR-fed pipeline, auto-pay under $500, parametric flight-delay payouts: a real claims operation, not a referral.

6-day median settlement
Who it's for

Where Travel Fintech earns its keep.

OTA & seller

Travel platforms

Attach CFAR and medical inline at checkout. Pure-margin ancillary with conversion-tested rendering and zero claims workload.

"Insurance attach is our second-highest margin line."
Insurer

Insurers

Launch parametric delay, CFAR or baggage products on our pricing, binding and claims rails, under your paper or ours.

"Filed in Q1, live across dozens of apps by Q3."
Bank & fintech

Card programs

Real embedded travel cover as a card perk, priced per trip and bound automatically when the card books travel.

"Premium card travel cover that actually pays claims."
Questions

Before you integrate Travel Fintech.

Something we haven’t covered? Talk to the team. A real engineer answers, never a bot.

Illustration: a traveller stands dry beneath a broad canopy while abstract glyphs slide off it
Who actually underwrites the policies?

CFAR and core travel cover are underwritten by OnArrival, backed by tier-one reinsurance. For insurers bringing their own paper, the engine handles pricing, binding and claims while risk stays on your balance sheet.

What does "real-time underwriting" mean concretely?

Each quote is priced against the specific trip: route disruption history, carrier punctuality, season, fare flexibility and traveller count. Two identical-looking trips can price differently, because their risk is different.

How fast do claims actually pay?

Parametric claims (flight delay, cancellation) pay automatically from flight data. No filing at all. Documented claims under $500 auto-pay on OCR validation; the overall median settlement is 6 days.

We’re an insurer. What does launching on your rails involve?

A scoped five-stage sequence: appetite definition (week 1–2), product configuration and rating (week 2–5), jurisdiction filings and per-market disclosures (week 4–10, run in parallel), distribution into our seller network (week 8–11), then live, typically one quarter to first policy. You own risk appetite and pricing parameters; we run config, filings, distribution and claims ops.

Which jurisdictions can we sell in?

OnArrival paper is licensed in 38 jurisdictions across North America, Europe, the Gulf and APAC, with required disclosures auto-rendered per market. The quote API only returns products legal for the traveller’s residence.

Pairs well with

One product is rarely enough. Compose them.

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Start building
Wire Travel Fintech into your stack with a sandbox key.