Insurnest · Travel Insurance Platform for MGAs
Launch Travel insurance products in weeks, not months.
Insurnest gives travel MGAs an embedded distribution engine, flexible product configuration for individual and group travel, and a claims workflow built for the speed travellers expect — across three markets.
Sixty percent of travel insurance is sold at the point of booking. Are you there?
Travel insurance is one of the few products where distribution timing is everything. Miss the booking moment and you will spend three times more to acquire the same customer direct.
Not being embedded is a permanent revenue disadvantage
Travel booking platforms, OTAs, and airline ancillary programmes are already distributing insurance at checkout. If your product is not embedded in those flows — returning a quote in under two seconds, binding at checkout, delivering a policy document instantly — those booking platforms are distributing a competitor's product. The window to get embedded partnerships is narrowing. The MGAs who move first own the channel.
Pre-existing condition screening done badly creates claims disputes and regulatory risk
Medical screening at the point of sale is the single most complex part of a travel insurance buying journey. Get it wrong — unclear questions, inconsistent exclusion logic, or missed declarations — and you end up with claims disputes, FCA complaints, or class action exposure in the US. Most platforms handle medical screening as an afterthought. It needs to be a core, configurable part of the buying journey with a clear, documented exclusion notice at the point of bind.
Group travel claims handled manually destroy the margin on the product
A school trip with 80 students, a cancelled departure, and 80 separate trip cancellation claims arriving in the same week is a claims management problem that most platforms cannot handle at volume. If your team is processing group travel claims manually — matching individual invoices to individual certificates — the loss adjustment cost alone erodes the profitability of the program. One badly handled group event can define whether the program renews.
Embedded, fast, and built for the complexity of travel insurance.
Embedded quoting API
A lightweight API and quoting widget that returns a bindable quote in under two seconds. Designed to live inside a travel booking flow without redirecting the user. Policy documents delivered instantly at bind. One line of integration for distribution partners.
Pre-existing condition screening built into the journey
A configurable medical screening flow that assesses declared conditions, calculates premium loadings, and issues a documented exclusion notice — all within the buying journey. Screening questions and decision logic are set by your underwriters in the BRE. Clear, auditable, and FCA-compliant.
Individual, annual, and group product configuration
Configure single trip, annual multi-trip, long-stay, backpacker, and group travel as separate products with their own eligibility rules, destination zone rating, and duration limits. Group travel issues individual certificates in a single workflow. Group billing handled automatically.
Mobile-first claims for travellers abroad
FNOL designed for someone who is abroad when things go wrong. Photo upload, expense receipt capture, and emergency contact routing — all from a smartphone. Emergency claims route to priority handling. Medical assistance cases tracked through to resolution.
What travel MGAs achieve after going live on Insurnest.
Distribution partnerships that were not previously possible
The embedded API opens booking platform and OTA partnerships that require a sub-two-second quote response. These channels are otherwise closed to MGAs without a dedicated integration capability.
Medical screening that eliminates claims disputes
A structured, documented screening flow means every exclusion is recorded at the point of sale. Disputes over whether a condition was declared reduce significantly. Regulatory complaints fall. Claims costs on pre-existing conditions become more predictable.
Group travel programs that run without manual processing
Group enrolment, individual certificate issuance, group billing, and group claims reconciliation all handled inside the platform. A program administrator can manage a 200-person group travel scheme without a spreadsheet in sight.
Live in under six weeks
Product type configuration, destination zone rating, medical screening logic, and distribution channel setup completed in four to six weeks. Your team owns the product configuration.
How we compare to the alternatives.
| Feature | Insurnest | Generic P&C Platform | Build In-House |
|---|---|---|---|
| Embedded quoting API (sub-2-second response) | Native | Custom build required | Significant API project |
| Pre-existing condition screening | Built into the journey | Not available | Complex medical logic build |
| Group travel management | Included | Not available | Separate build |
| Destination zone rating | Included | Requires configuration | Manual build |
| Mobile FNOL for travellers abroad | Included | Not available | 6–12 months |
| Live in under 6 weeks | 6–18 months | 12–24 months |
Travel MGAs and affinity programs writing with Insurnest.
Let's talk about your travel distribution strategy.
Whether you are launching a new travel product, adding embedded distribution, or moving off a legacy platform — we will show you what is possible in a single call.
We reply within one business day.
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Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.