# Travel Insurance API for Booking Platforms | OnArrival > Add travel insurance quotes and policy issuance to your booking flow. Review available cover, exclusions and claims handling for your markets. Source: https://www.onarrival.com/insurance --- # 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. [Request a key](https://www.onarrival.com/signup) [Read the docs](https://docs.onarrival.com/) 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. [Read the reference](https://docs.onarrival.com/) Check eligibility before launch Per marketand product named providertraveller residencepolicy terms Example: quote → accept → bind Step · 01 Trip priced BOM → DXB · flight + hotel + 2 more $1,462 · trip value Step · 02 Quote attached Cover and limits shown $74 · quote_a4f9 · 10m TTL Step · 03 · bound Policy live Cover dates in the policy OA-CFAR-93847 Quote, acceptance, policy and claim stay connected to the trip. Example claim FLIGHT DELAYED 3h12 Claim checked against terms PAYMENT STATUS TRACKED 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 @media (prefers-reduced-motion: no-preference){ .pdi-needle-a{transform-box:view-box; transform-origin:160px 190px; transform:rotate(-62deg);} .pdi-needle-b{transform-box:view-box; transform-origin:160px 190px; transform:rotate(-62deg);} .oa-illo-in .pdi-needle-a{animation:pdiSweepA 1.1s .6s cubic-bezier(.3,.7,.3,1) forwards;} .oa-illo-in .pdi-needle-b{animation:pdiSweepB 1.1s .6s cubic-bezier(.3,.7,.3,1) forwards;} .pdi-card{opacity:0;} .oa-illo-in .pdi-card{animation:pdiFade .5s ease-out forwards;} .pdi-card-2{animation-delay:.12s} .pdi-chip{opacity:0;} .oa-illo-in .pdi-chip{animation:pdiPop .5s 1.5s cubic-bezier(.2,1.5,.4,1) forwards;} } @keyframes pdiSweepA{from{transform:rotate(-62deg)} to{transform:rotate(-24deg)}} @keyframes pdiSweepB{from{transform:rotate(-62deg)} to{transform:rotate(40deg)}} @keyframes pdiFade{to{opacity:1}} /* opacity-only: pdi-chip is positioned by a transform attribute. */ @keyframes pdiPop{from{opacity:0} to{opacity:1}} 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](https://www.onarrival.com/company#contact). We can help you work through your integration. **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. Pairs well with ## Build the rest of the trip. [Product Flights Search, book and manage flights through one API.](https://www.onarrival.com/flights) [Product Hotels Hotel booking with property and room mapping built in.](https://www.onarrival.com/hotels) [Product Payments Collect payments, settle suppliers and track refunds.](https://www.onarrival.com/payments) ## Related reading [All field notes →](https://www.onarrival.com/blog) [Business · 11 min Travel loyalty points: what redemption really costs The cost of issuing points is only part of loyalty economics. Travel redemption also depends on supplier prices, the value promised to members and what happens when a booking is cancelled. **Ankit Sawant**](https://www.onarrival.com/blog/points-are-a-liability-not-a-currency) [Technical · 12 min Travel payments: keep bookings, refunds and settlement connected A successful payment does not mean every part of a trip is confirmed or settled. Track customer charges, supplier payments and refunds against the booking they belong to. **Manan Vaghasiya**](https://www.onarrival.com/blog/unified-payments-refunds-reconciliation) Start building Try Travel Fintech with sandbox access. [Request a key](https://www.onarrival.com/signup) [Read the docs](https://docs.onarrival.com/)