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OnArrival

Add travel insurance to the booking flow.

Offer cover at the moment people are thinking about what could go wrong. Quote and issue travel insurance alongside the trip, and compare cover, exclusions and claims for the markets you serve.

Illustration: a traveller strolling dry and content under a wide umbrella through soft rain, rolling a suitcase past a warmly lit café.
median quote response
240ms
median claim settlement
6 days
product and insurer eligibility
Per market
In short

Trip cover, in four steps.

Offer protection during checkout, and keep the price, the policy and any claim linked to the trip.

  1. Quote

    Send the trip details and get a price for cover.

  2. Explain

    Show the provider, what is covered and what is not, before the traveller accepts.

  3. Issue

    Issue the policy with the booking when the product’s conditions are met.

  4. Claim

    Travellers upload documents in the app, and the claim status stays with the trip.

How it works

Quote and bind in one flow.

Send the trip details to request a quote. Show the price, provider, eligibility, exclusions and claim terms before the traveller accepts. Then bind the cover (issue the policy) through the booking flow when the product’s conditions are met.

In depth

Travel cover, from quote to claim.

Offer trip protection at checkout and keep the quote, policy and claim status connected to the booking.

01

Cancel For Any Reason (CFAR)

Where available, offer cover that pays back an agreed amount if the traveller cancels for any reason. Show the eligible cancellation window, reimbursement amount and exclusions before purchase, with the provider named in the policy.

Product
02

Real-time underwriting

Underwriting means pricing the risk. Trip details such as route, airline, dates and fare flexibility inform the quote. The insurer’s rules decide eligibility, price and cover.

Pricing
03

Launch products with us

Insurers use our rails to launch new travel products, such as flight-delay payouts triggered by flight data (parametric cover), baggage cover and visa-rejection refunds. Product setup, filing support and distribution are included.

For insurers
04

Embedded distribution

Show eligible protection inside your checkout, with the provider, policy wording and required market disclosures attached to the offer.

Distribution
05

Claims automation

Travellers upload the required documents in the app. Text recognition (OCR) helps fill in the details, and cases that need review reach the claims team with the file attached. Approved payouts follow the policy’s payment process.

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, set per trip
Capabilities

Travel Fintech API capabilities

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
  • Rules-based claim validation
  • Parametric delay payouts
  • 6-day median settlement
For insurers
  • Product configuration rails
  • Filing & disclosure support
  • Distribution into our network
  • Bring-your-own paper
  • Market and provider eligibility checks
For insurers

A travel protection product needs more than a quote. Connect pricing, policy documents, distribution and claims, with a clear owner for each step.

Median quote response240ms
Median claim settlement6 days
Claim review workflowReview
Who does what

Provider, policy and claims.

Make the provider, product eligibility and claim process clear before the traveller buys.

PROVIDER

Insurance provider

The policy names the insurer or protection provider responsible for the product. Insurers can also use OnArrival’s pricing, distribution and claims workflows with their own products.

Provider named in the policy
MARKETS

Market eligibility

Confirm the products, traveller residences and markets in scope during onboarding. Required disclosures stay with each eligible offer.

Scoped for your launch
CLAIMS

Claims ops included

Keep claim documents, validation results and payment status in one workflow. Automation follows the policy rules; cases that need review go to the responsible claims team.

6-day median settlement
Who it's for

Who uses Travel Fintech?

OTA & seller

Travel platforms

Offer eligible trip protection at checkout and give travellers a clear route to the claims team. Commercial terms define the margin and support responsibilities.

EXAMPLE WORKFLOWOffer eligible protection at checkout.
Insurer

Insurers

Connect your travel protection products to pricing, binding, distribution and claims workflows. You keep the responsibilities set out in the policy and agreement.

EXAMPLE WORKFLOWLaunch a product with its policy and claims flow.
Bank & fintech

Card programs

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

EXAMPLE WORKFLOWConnect card benefits to the booked trip.
Questions

Travel Fintech: common questions

Something we haven’t covered? Talk to the team. We can help you work through your integration.

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

The policy names the insurer or protection provider for that product and market. During onboarding, confirm who carries the risk and who handles claims. Insurers using their own products keep the agreed underwriting responsibilities.

What does "real-time underwriting" mean concretely?

Each quote is priced for the specific trip: the route’s disruption history, the airline’s punctuality, the season, fare flexibility and the number of travellers. Two trips that look the same can be priced differently, because their risk is different.

How fast do claims actually pay?

Payment timing depends on the policy, the trigger and the evidence required. Parametric products can use flight data to confirm an eligible event; other claims need documents or review. Track approval and payout as separate states.

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

Agree on the product and target markets, configure pricing and policy rules, complete the required approvals, test distribution and claims, then launch. The timetable depends on the insurer, product and jurisdictions involved.

Which jurisdictions can we sell in?

Coverage depends on the provider, product, traveller residence and selling market. We confirm that scope during onboarding and return the eligible products with their required disclosures.

Related reading

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