Insurance module
Travel insurance booking software for plans you sell at checkout
Sell travel insurance on your travel website with plans you set up with your insurance partner: priced by destination region, trip length and traveller age, offered as a checkout add-on or bought on its own, with policy documents emailed and commissions tracked.
- Plans by region and trip length
- Age-based pricing
- Checkout add-on or standalone
- Commission tracking
Checkout cross-sell
Offer cover at the moment the trip is booked
The best time to sell travel insurance is while the traveller is still on the checkout page, with the trip in front of them. The insurance module adds a protection step to the flight, hotel and package checkout.
Dates, destination and travellers come from the booking, so the traveller sees real prices for their own trip without typing anything again. They compare plans side by side, add one with a single click or decline, and the premium lands on the same invoice as the trip.
Not every traveller books cover with a trip, so the same plans can also be sold as a standalone policy from their own page, for travellers who booked elsewhere or want cover for a trip planned later.
Where cover is offered
Flights, hotels and tours
Offer cover at the end of each checkout, with trip dates and travellers taken from the booking.
Visa applications
Attach a policy to a visa case when the destination asks for proof of travel medical insurance.
Payment gateways
Premiums run through the gateways, currencies and wallet already set up on your site.
- Trip
- Travellers
- 3Protection
- 4Payment
Protect this trip
Filled in from your booking: Europe (Schengen), 15 days, 3 travellers.
You can still buy cover later from your account.
- Trip
- –
- Travel insurance
- –None
- Total
- –
Cover is provided by your insurance partner. Policy wording and key facts are shown before payment. Example data for illustration. Plans, limits and prices come from your insurance partner.
Plan comparison
Three tiers, every limit in plain view
A travel insurance module for travel agencies has to make plans easy to compare. Each plan you enter carries its own cover limits, excess and benefits, and travellers see them in one table before they choose.
| Cover | EssentialFrom – | StandardFrom – | Most chosenComprehensiveFrom – |
|---|---|---|---|
| Emergency medical expenses | – | – | – |
| Trip cancellation | – | – | – |
| Baggage and personal belongings | – | – | – |
| Travel delay | — | – | – |
| Missed connection | — | — | – |
| Excess per claim | – | – | No excess |
| Meets Schengen visa rules | |||
| Also as annual multi-trip | — |
Example data for illustration. Plans, limits and prices come from your insurance partner.
You set up the plans with your insurance partner and type in what they agreed: limits per benefit, the excess, whether a plan meets Schengen visa rules, and whether it is also sold as an annual multi-trip policy.
Works withTravel VisasB2B booking engine
Plans and cover tiers
Single trip, annual multi-trip and family plans, each with its own cover limits, excess and benefits list.
Destination regions
Group countries into regions such as Schengen, worldwide excluding the Americas, or worldwide, and price each one.
Quote calculator
A price for the trip, worked out live
Each plan has price tables by destination region, trip length and traveller age band. Change any input and the quote recalculates for every traveller.
Destination region
Traveller ages
- 18 to 64
- 18 to 64
- 0 to 17
- 18 to 64
Trip cost does not change the premium in this example. It is checked against each plan's cancellation limit, so the traveller can see which plans would cover the full cost of the trip if they had to cancel.
Essential
Trip cancellation: –
Covers the trip costBelow the trip cost
Premium
–
Your commission: –
Standard
Trip cancellation: –
Covers the trip costBelow the trip cost
Premium
–
Your commission: –
Comprehensive
Trip cancellation: –
Covers the trip costBelow the trip cost
Premium
–
Your commission: –
Age bands
- 0 to 17
- × 0.5
- 18 to 64
- × 1
- 65 to 74
- × 1.8
- 75 and over
- × 2.6
Trip length and age bands
Price tables by number of days and traveller age band, so a quote matches the booking exactly.
Checkout add-on
Offer cover on the flight, hotel or tour checkout, with dates and travellers filled in from the booking.
Works withPayment gateway integrationeSIMPricing
Policy number
TI-2026-048173
Premium paid
–
- Plan
- Comprehensive
- Region
- Europe (Schengen)
- Period of cover
- 2026-12-14 → 2026-12-28
- Booking
- BK-73120
- Issued
- 2026-10-03 14:22
- Insurer
- Your insurance partner
Insured persons
| Insured persons | Date of birth | |
|---|---|---|
| 01 | Daniel Clarke | Date of birth: 1990-03-12 |
| 02 | Sophie Clarke | Date of birth: 1988-07-02 |
| 03 | Leo Clarke | Date of birth: 2019-05-21 |
Attached documents
- Policy schedulePDF
- Certificate of insurancePDF
- Policy wordingPDF
- InvoicePDF
Example data for illustration. Plans, limits and prices come from your insurance partner.
Policy issuance
The policy is in the traveller's inbox before they leave the page
Once the premium is paid, the policy is recorded against the booking and the documents are emailed to the traveller and stored in their account.
A policy number on every sale
Each policy gets its own reference, linked to the booking, the customer and the agent who sold it.
Every insured traveller named
Names and dates of birth are captured at checkout, so the certificate lists exactly who is covered.
The insurer's contacts on the document
The partner's emergency assistance number and claim contact are printed on the policy documents.
Policy documents
Policy schedule, certificate and wording attached to the booking and emailed to the traveller.
Works withTravel agency CRMTravel Visas
Claims
Claims go to the insurer, your agency keeps the sale
The module does not handle claims. Your insurance partner does, under the policy wording. Here is what happens when a traveller needs to claim, and who does each step.
- 01 / 04
Report
The traveller contacts the insurer using the claim contact printed on the policy documents.
Traveller - 02 / 04
Documents
The traveller sends the insurer what it asks for, such as receipts, medical reports or a delay letter.
Traveller - 03 / 04
Assessment
The insurer checks the claim against the policy wording, the limits and the excess.
Insurer - 04 / 04
Paid
An accepted claim is paid by the insurer directly to the traveller.
Insurer
Who does what
Your insurance partner
Issues the policy, carries the risk and handles every claim.
Your agency
Sells the plans, earns commission and keeps the policy record to help a traveller who calls you.
PHPTRAVELS
The software you sell through. It is not an insurer and never issues cover.
Back office
Run insurance sales from one dashboard
Plans, policies, agents and commission in the same admin as every other product you sell.
- Main partnerActive
3 plans3 regions
Price tables in admin
- Regional partnerActive
2 plans2 regions
Partner API, added by your developers
| Plan | Partner net | Commission | Policies | Earned |
|---|---|---|---|---|
| Essential | $44.00 | 20% | 38 | + – |
| Standard | $52.50 | 25% | 61 | + – |
| Comprehensive | $66.50 | 30% | 27 | + – |
| Agent | Policies | Premium | Commission |
|---|---|---|---|
| Hassan Raza | 24 | – | + – |
| Lina Haddad | 17 | – | + – |
| Tomás Ruiz | 11 | – | + – |
| Mei Chen | 8 | – | + – |
Example data for illustration. Plans, limits and prices come from your insurance partner.
Commissions and markups
Per plan, region or channel, as fixed amounts or percentages on the partner's net premium.
Roles and access
Admin, agent and customer accounts, each seeing only the policies their role allows.
B2B agent sales
Agents sell cover to their clients in the B2B portal with their own commission.
Policy register
Search policies by traveller, plan, travel date or booking, with status and documents.
Invoices and policy emails
Invoice and policy documents sent automatically for every paid policy.
Partner reports
Policies sold, premiums collected, partner payables and commission earned, ready to export.
FAQ
Travel insurance booking software questions
What agencies ask before they sell travel insurance on their travel website.
Talk to salesSoftware that lets you sell travel insurance on your own website: travellers get a quote for their region, trip length and ages, choose a plan, pay and receive the policy documents, while your team tracks policies and commission in one admin.
Policies are issued by your licensed insurance partner. PHPTRAVELS is the software you sell their plans through: you load the plans, wording and prices you agree with them, and the insurer remains responsible for cover and claims.
No insurer is built in. You work with the insurance partner licensed in your market, enter their plans and price tables, and report policies sold to them. A partner's own API can be added by your developers, since the source code is included.
Each plan has price tables by destination region, number of trip days and traveller age band. The quote adds up the price for every traveller and your commission or markup is applied by plan, region or channel.
Yes. Cover can be offered as an add-on at the flight, hotel or tour checkout, with dates and travellers taken from the booking, and it can also be bought as a standalone policy.
Once the premium is paid, the policy is recorded against the booking and the policy documents and invoice are emailed to the traveller, who can also find them in their account.
No. Claims are handled by your insurance partner under the policy wording. The module shows the partner's claim contact on the policy documents and keeps the policy record your team needs to help a traveller.
Yes. Every plan includes the full source code under a commercial licence and you host it yourself, so traveller data stays on your servers and your developers can change the module.