Travel Hard 2,200/mo

Travel Insurance Comparison API

Compare and embed travel insurance options from multiple providers in booking flows. White-label API shows personalized coverage options based on trip details, with instant policy issuance and claims tracking.

InsuranceAPI
MRR Potential
$12K–$50K
Time to MVP
12–14 weeks
Search Volume
2,200/mo
Market Size
$2.8B

The Problem

Travel businesses leave $5–$15 per booking on the table by not offering insurance. Integrating individual insurance providers takes months each. Travelers can't compare coverage and pricing in the booking flow. Insurance attachment rates are below 15% because offers aren't personalized.

The Solution

Insurance comparison API that connects with 10+ travel insurance providers, shows personalized coverage options based on trip details (destination, dates, traveler age), and handles instant policy issuance — embeddable in any booking flow.

Target Audience

OTAs and travel booking platforms wanting to add insurance as an ancillary revenue stream, travel agencies offering insurance to clients, and travel tech startups building booking flows

Key Features

1
Multi-provider comparison showing coverage, pricing, and ratings side-by-side
2
White-label API embeddable in any booking flow with custom branding
3
Personalized recommendations based on destination risk, trip value, and traveler profile
4
Instant policy issuance with digital insurance cards and documents
5
Claims tracking portal for travelers to file and monitor claims
6
Revenue dashboard showing attachment rates, commissions, and provider performance

Market Opportunity

Market Size
$2.8B — Travel insurance distribution technology growing at 15.6% CAGR
Monthly Searches
2,200/mo
MRR Potential
$12K–$50K
Why Now?

Post-COVID travelers prioritize insurance. Embedded insurance (insurtech) is a growing trend. API-first insurance providers make multi-provider comparison possible. Ancillary revenue is critical for OTA margins.

Revenue Model

Commission: 15–25% of premium from insurance providers. API access: free for partners. Minimum volume: 100 policies/mo. Enterprise: custom revenue share agreements.

Competitive Landscape

Battleface

Travel insurance marketplace. Direct-to-consumer focus, limited B2B API

Cover Genius

Embedded insurance platform. $50K+/yr, enterprise partnerships only

Squaremouth

Insurance comparison site. Consumer-facing, no embeddable API

Single provider integration

Most OTAs partner with one insurer. No comparison, poor conversion, limited coverage options

Recommended Tech Stack

Next.jsNode.jsPostgreSQLInsurance provider APIsStripeSendGridRedis

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