Protection

For Global

Travelers

Our global insurance distribution platform enables partners like Booking Holdings and Etraveli to customize, add-on, and embed insurance for the needs of any customer going anywhere who is doing anything.

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Protect Your Customers

It’s simple - the traveler hitting the slopes this winter wants different coverage to the customer booking a celebrity cruise. But the “one size fits all” comprehensive insurance model used by traditional travel insurance providers didn’t allow this - so we flipped that model on its head.

We’ve unbundled travel insurance and built a dozen products for any market, so there’s flexibility to dynamically tailor insurance for any customer’s itinerary, or let them choose themselves. For the dynamic solution, our BrightWrite data analytics service works behind the scenes to optimize the offering based on individual behavior and history.

And with a world-beating NPS of +65 and end-to-end emergency assistance and rescheduling, we’re keeping travelers happy when things go wrong (and keeping call center operators happy if things go really, really wrong).

INSURANCE THAT’S FIT FOR ANY PURPOSE

FOR OTA’S AND RETAIL AGENTS

Our unbundled insurance lets partners like Booking Holdings choose the protection their customers actually need. That could mean our “Smart Delay” product for the multi-city explorer, emergency medical assistance for an extended family celebrating Gran and Pop’s 50th wedding anniversary, personal electronics cover for short-haul corporate travelers, or rental car excess/deductible waivers if you’re off for a weekend road trip.

FOR FLIGHT AGGREGATORS & METAS

Our data-leveraging API collects and transmits information from the booking path to make whitelabels and other touchpoints more valuable. With a data-driven approach to upsells and cross-sells, partners and customers alike benefit from tailored products for pre-existing medical conditions, “Global Doctor” for non-emergency medical help, and coverage for specific personal items rather than the whole kit and kaboodle.

FOR SHORT TERM RENTALS & ACCOMMODATION SPECIALISTS

Insurance licenses in 60+ countries and 50 US states means our platform is just the ticket for hotel aggregators, PMS’s and hotel chains, with tailored hotel cancelation coverage due to sickness and flexibility to add similar benefits for any itinerary. The XCover API also has on-demand group liability coverage for any country globally for both sides of marketplaces like Airbnb, and a unique data-driven approach that drives down the cost of ownership for any host.

FOR TOURS & CRUISES & EVERYTHING IN BETWEEN

When it comes to cruises, we know things can go wrong. That’s why, if a cruiser is confined to their cabin or if they miss a departure port connection or shore excursion, XClaim pays out instantly in the form of cabin credits or, if a partner prefers, via bank transfer into 90+ currencies. Similarly for tour aggregators and the like, XCover has a range of policies for any type of experience, available from a single API call, for any country, US state, language or age group.

DOUBLING DOWN ON HAPPINESS WITH AN NPS OF +65

We all know that it’s claims where “the center cannot hold” so we built XClaim with speed in mind, meaning partners can configure instant claim payments for 90+ currencies as bank transfers, e-wallet transfers, credit card top-ups and more. You can also brand the experience as your own, so in a time of need, yours is the helping hand.

While traditional insurers rely upon all-in-one coverage, paper forms, and checks to deliver NPS’s below zero, XCover’s customization and control - coupled with XClaim’s instant payments and BrightWrite’s optimization - is delivering NPS of +65 to millions of customers of the world’s largest travel companies.

Whitelabels Beyond Just Box Checking

We all know of whitelabels that punch above their weight because the in-path offers, erm, need work 😒. Our whitelabel service is fully brandable as your own and, in addition, our data-led and user-centered design approach makes whitelabels compelling and then drives cross-sells and upsells like our proprietary "Global Doctor" and Pre-Existing Medical for those who earlier said “No” to medical coverage, or rental car excess and hotel cancelation for those whose itineraries were previously unknown, all backed by BrightWrite's experimentation engine. Further, XCover's webhooks pass back booking updates to your GDS, CRM, or other reservation software, meaning support gets one step closer to the holy grail!

MAXIMIZE SECOND CHANCE SALES

Our data-centric approach also extends to retargeting. Our shared goal is to convert second-chance sales via any channel including booking consoles, emails, call centers, res systems, whitelabels, apps, mobile websites and more.

Dynamic Price & Product Recommendations

For product recommendations, our patented BrightWrite service adapts based on a customer’s historical decisions, so rather than offering the same thing every time, the offers become more personal, more complementary and higher converting. Those offers can show in your booking path but equally in any other touchpoint including our whitelabels.

INTEGRATE QUICKLY TO FILL A GAP!!

Our stress-free set-up process means you’ll be ready to go in no time with a RESTful API that’s ready to integrate into your booking path. You can also work with our team on price and product experiments that you can run on the BrightWrite data analytics platform.

TREK TO TECH - INSURANCE FOR EVERY ITINERARY

From a canceled flight in Kathmandu to a stolen iPad in Istanbul - when things go wrong, generous policies and speedy claims will keep your customers happy! Our tailored policies and benefits are dynamically served from the XCover API to give your customers protection for everything they need and nothing they don’t.

Your customer’s peace of mind is delivered for every part of the trip including:

Medical coverage

  • -24/7 medical assistance, emergency care & repatriation from anywhere, by leaders in the field
  • -“Global Doctor”, our proprietary product that ensures anyone needing medical advice can receive it 24/7 in any language
  • -Generous benefits for carers

Personal items coverage

  • -Electronics cover for travelers
  • -Protection for baggage & valuables if they’re stolen

Cancellation & sector-specific protection

Inclusions are dynamically generated by the XCover API based on the itinerary details that you send us.

  • -Cancelation and curtailment protection for flights, accommodation, car rental, cruises, tours and more
  • -“Smart Delay”, our proprietary product that pays out instantly when flights or bags are delayed
  • -Missed connection and missed flight protection
  • -Sports cover add-ons to cover golf, watersports and other adventure trips
  • -Cruise packages including cancelation, cabin confinement, emergency evacuation, Missed departures, Missed port connections, Missed shore excursions and curtailment.


As seen on

  • Etraveli Group
  • Gotogate
  • Booking Holdings
  • Rentalcars.com
  • CHECK24
  • Yandex