B2B Travel Insurance Program

Travel Insurance
Wholesale for Agents

Earn 20-40% commission on every policy. Add medical, cancellation & baggage coverage to every booking. Instant policy issuance, hassle-free claims.

Get Wholesale Access Talk to Sales

20-40%

Commission

$500K

Medical Coverage

Instant

Policy Issuance

24/7

Emergency Support
Travel insurance wholesale dashboard for agents showing policy options and commissions
Avg. Monthly Earnings +$2,500 from Insurance
WHY INSURANCE MATTERS

Why Travel Insurance is Your Best Ancillary Revenue Stream

Here's a reality check: most travel agents leave serious money on the table by not selling insurance. It's not because they don't know about it. It's because they've been stuck with terrible affiliate programs that pay 5-10% commission. At those rates, why bother?

But wholesale travel insurance flips the math completely. With 20-40% commission on policies ranging from USD 50 to USD 300, suddenly insurance becomes one of your most profitable products. A single USD 200 annual multi-trip policy earns you USD 60-80. And unlike hotel bookings where margins are shrinking, insurance commissions are stable and predictable.

Plus, there's the client protection angle. Post-COVID, travelers care more about coverage than ever. Medical emergencies abroad can cost USD 50,000-100,000 without insurance. Trip cancellations happen. Bags get lost. When your clients are protected, they travel with confidence — and they come back to you for their next booking.

High Margins
20-40% vs 5-10% retail
Client Protection
Build trust & loyalty
Easy Add-On
One-click at checkout
Recurring Revenue
Annual policy renewals
Travel agent reviewing insurance commission earnings on dashboard
Monthly Insurance Revenue

+$3,500

COVERAGE TYPES

Comprehensive Coverage Options for Every Trip

From weekend getaways to round-the-world adventures — we've got your clients covered

Trip Cancellation

Most Popular

Reimburses non-refundable trip costs when clients must cancel due to illness, injury, death in family, job loss, jury duty, or other covered reasons. Coverage typically extends to 100% of prepaid trip costs.

  • 100% trip cost reimbursement
  • Covers flights, hotels, tours
  • CFAR (Cancel For Any Reason) available

Medical Coverage

Essential

Covers emergency medical treatment, hospitalization, surgery, and prescription medications abroad. Domestic health insurance typically doesn't cover international travel — this fills that gap.

  • Up to USD 500,000 coverage
  • Emergency evacuation included
  • 24/7 assistance hotline

Emergency Evacuation

Critical

Covers transport to the nearest adequate medical facility or back home for treatment. A medical evacuation can cost USD 50,000-250,000 out of pocket — this coverage is essential for remote destinations.

  • Air ambulance included
  • Repatriation of remains
  • Companion travel expenses

Baggage Protection

Common Claims

Covers lost, stolen, or damaged baggage and personal belongings. Also includes baggage delay coverage to purchase essential items when bags arrive late. One of the most frequently claimed benefits.

  • USD 1,500-3,000 per person
  • Delay coverage from 6 hours
  • Essentials reimbursement

Flight Delay/Missed Connection

High Usage

Covers expenses during extended flight delays (meals, accommodation, transport) and rebooking costs for missed connections. With increasing flight delays globally, this coverage sees high utilization rates.

  • Coverage kicks in at 3-6 hours
  • Meals & hotel included
  • Alternative transport costs

COVID-19 & Pandemic

Post-COVID Essential

Covers COVID-19 related medical treatment, quarantine accommodation, extended stay expenses, and trip cancellation due to positive tests. Required by many destinations for entry, and a top concern for travelers.

  • Quarantine hotel coverage
  • COVID medical treatment
  • Trip cancellation due to COVID
COMMISSION STRUCTURE

Agent Commission: 20-40% on Every Policy

See how wholesale insurance commission stacks up against retail affiliate programs

Policy Type Policy Price Retail Affiliate (10%) Wholesale (30%) You Earn More
Single Trip - Asia 7 days, standard coverage USD 45 USD 4.50 USD 13.50 +USD 9 (200%)
Single Trip - Worldwide 14 days, comprehensive USD 120 USD 12 USD 36 +USD 24 (200%)
Annual Multi-Trip Unlimited trips, 45 days each USD 200 USD 20 USD 60 +USD 40 (200%)
Family Plan 2 adults + 2 children, 21 days USD 280 USD 28 USD 84 +USD 56 (200%)
Senior Traveler (65+) 14 days, enhanced medical USD 350 USD 35 USD 105 +USD 70 (200%)
Group Policy (20 pax) Corporate group, 10 days USD 900 USD 90 USD 270 +USD 180 (200%)
Monthly Earnings Example: 50 Bookings

An agent selling 50 policies per month (averaging USD 100 premium each) earns USD 1,500/month at 30% commission. That's USD 18,000 per year in additional revenue from insurance alone — with no inventory, no operational overhead, and no customer service burden. The insurance provider handles claims. You just collect commissions.

20%

Starter Tier

0-20 policies/month

  • All coverage types
  • Instant policy issuance
  • Email support
Most Popular

30%

Growth Tier

21-50 policies/month

  • Everything in Starter
  • Priority phone support
  • Dedicated account manager
  • Co-branded materials

40%

Premium Tier

50+ policies/month

  • Everything in Growth
  • White-label options
  • API integration
  • Custom group rates
BUNDLING STRATEGY

Bundle Insurance with Travel Packages for 40-60% Higher Conversion

The secret to selling more insurance? Don't sell it separately. Bundle it into your travel packages and offer it as an add-on during the booking process. Studies show clients are 40-60% more likely to purchase insurance when it's presented at checkout versus in a follow-up email.

Our platform makes this easy. When building a package or quote, you can add insurance as an optional line item. The client sees the total price with and without insurance — and most choose protection when they're already in buying mode.

Best Practices for Bundling:
1
Default to Included

Present the quote with insurance included by default. Clients can opt-out, but most won't bother.

2
Show the Value Gap

"Your trip costs USD 5,000. Medical emergency abroad? USD 50,000+. Insurance? Just USD 85."

3
Use Real Examples

Share stories (anonymized) of clients who needed coverage. Nothing sells insurance like real claims.

Travel booking platform showing insurance add-on during checkout
PLANS BY TRAVEL TYPE

Tailored Insurance Plans for Every Traveler

Match the right coverage to your client's trip type — leisure, business, adventure, or special needs

Leisure
Leisure & Holiday Travel

Beach vacations, city breaks, honeymoons, and sightseeing tours. Most common traveler segment with balanced coverage needs.

Recommended Coverage:

  • Trip cancellation (100%)
  • Medical (USD 100,000-250,000)
  • Baggage & delay
  • COVID quarantine
Starting from USD 35 / 7 days
Business
Business & Corporate Travel

Conferences, meetings, trade shows, and corporate incentives. Emphasis on trip interruption and business equipment.

Recommended Coverage:

  • Trip interruption (missed meetings)
  • Business equipment coverage
  • 24/7 concierge assistance
  • Document replacement
Starting from USD 55 / 7 days
Adventure
Adventure & Sports Travel

Hiking, skiing, diving, trekking, and extreme sports. Higher risk activities require enhanced medical and evacuation coverage.

Recommended Coverage:

  • Medical (USD 500,000+)
  • Emergency evacuation (helicopter)
  • Adventure sports rider
  • Equipment coverage
Starting from USD 85 / 7 days
Senior 65+
Senior Travelers (65+)

Mature travelers with potential pre-existing conditions. Focus on comprehensive medical coverage and easy claims process.

Recommended Coverage:

  • Pre-existing condition cover
  • Medical (USD 500,000)
  • No age-based exclusions
  • Direct hospital billing
Starting from USD 150 / 7 days
Family
Family Travel

Parents with children traveling together. Free coverage for children under a family policy, with kid-specific benefits.

Recommended Coverage:

  • Children free (up to 2-4)
  • Trip cancellation (illness of child)
  • Child care assistance
  • Single room accommodation
Starting from USD 95 / family / 7 days
Groups
Group & Tour Packages

Tour groups of 10-500+ travelers. Bulk discounts, single policy management, and simplified administration.

Recommended Coverage:

  • Bulk rate discounts (15-25%)
  • Single master policy
  • Easy participant add/remove
  • Tour leader coverage included
Starting from USD 25 / person / 7 days
PRICING COMPARISON

Wholesale vs Direct vs OTA Add-On: Price Comparison

See how B2B wholesale insurance rates compare to other distribution channels

Comparison Factor Direct Insurer OTA Add-On B2B Wholesale
Price for Agent Retail price Retail + OTA markup Net wholesale rate
Agent Commission 5-10% 0% (built into price) 20-40%
Pricing Control None (fixed retail) None (OTA controls) Full (set your own)
Policy Issuance Manual / email Instant Instant
Branding Insurer brand only OTA brand White-label available
Client Relationship Shared with insurer OTA owns client You own the client
Group Rates By request only Not available Automatic bulk discounts
The Bottom Line: B2B Wholesale Wins on Every Metric

Direct insurance sales and OTA add-ons leave you with minimal commission and zero pricing control. B2B wholesale gives you net rates with 20-40% margin, full pricing flexibility, instant issuance, and the option to white-label under your brand. For professional travel agents looking to maximize ancillary revenue, wholesale is the only sensible choice.

CLAIMS SUPPORT

Simple Claims Process — You're Not on the Hook

Here's what a lot of agents worry about: "What if my client has a claim? Do I have to deal with it?" Short answer: no. The insurance provider handles all claims directly. Your role ends at the sale.

That said, we equip you with support materials to help your clients understand the claims process. Happy clients who get their claims paid quickly become repeat customers — and they'll credit you for recommending good coverage.

How Claims Work:
Submit Online or via Email

Client fills out claim form, uploads documents (receipts, reports), and submits to insurer portal.

Assessment (5-15 Days)

Insurer reviews claim, may request additional documentation. Flight/baggage claims: ~5 days. Medical: ~15 days.

Payout

Approved claims paid directly to client's bank account or credit card refund. Agent is not involved in payment.

24/7 Emergency Assistance
All policies include round-the-clock hotline for emergencies while traveling
Travel insurance claims process flowchart
FAQ

Frequently Asked Questions

Everything travel agents need to know about wholesale travel insurance

Wholesale travel insurance is a B2B insurance program designed for travel agents and tour operators to sell insurance policies to their clients at competitive rates while earning 20-40% commission. Unlike retail insurance sold directly to consumers, wholesale programs provide net rates that allow agents to set their own markup and earn significantly more than standard affiliate commissions of 5-10%. You're essentially getting the same deal that large tour operators get — direct access to insurer rates without retail markup.

Travel agents typically earn 20-40% commission on wholesale travel insurance policies, making it one of the highest-margin ancillary products in the travel industry. For example, on a USD 150 annual multi-trip policy, an agent at 30% commission earns USD 45. When you're booking 50-100 trips per month, insurance commissions can add USD 2,000-5,000 to your monthly revenue. This far exceeds the 5-10% offered by standard insurance affiliate programs or the 0% you get from OTA add-on insurance.

Wholesale travel insurance programs offer comprehensive coverage including: Trip Cancellation (reimburses non-refundable expenses if trip is cancelled for covered reasons), Medical Coverage (emergency medical treatment up to USD 500,000), Emergency Evacuation (medical evacuation and repatriation to home country), Baggage Loss/Delay (compensation for lost, stolen or delayed luggage), Flight Delay (expenses during extended delays of 3+ hours), and COVID-19 coverage (quarantine expenses and medical costs). Premium plans also offer Cancel For Any Reason (CFAR) coverage at higher rates.

Yes, bundling travel insurance with hotel and tour bookings is a highly effective sales strategy. DMC Quote's platform allows you to add insurance as an optional add-on during the checkout process. Studies show that offering insurance at the booking stage increases conversion by 40-60% compared to selling it separately. The insurance premium is added to the same invoice, simplifying the transaction for both agent and client. You can even set insurance as "included by default" in your quotes.

Claims are submitted directly to the insurance provider through an online portal or via email. Most straightforward claims (flight delays, baggage) are processed within 5-7 business days. Medical claims may take 10-15 days due to documentation requirements. As the selling agent, you're not responsible for claims processing — that's between the client and insurer. However, we provide support materials to help your clients understand the process. 24/7 emergency assistance hotlines are included in all policies for emergencies while traveling.

No minimum booking requirement is needed to access wholesale insurance rates through DMC Quote. Whether you're selling 5 policies or 500 per month, you receive the same wholesale pricing structure. However, agents with higher volumes (50+ policies monthly) can qualify for enhanced commission tiers of up to 40% and priority support. We also offer volume-based incentives and quarterly bonuses for top-performing agents.

Coverage for pre-existing conditions varies by policy and insurer. Most standard policies exclude pre-existing conditions, but we offer premium plans that include coverage for stable pre-existing conditions (no treatment change in 60-180 days, depending on the plan). Senior travelers (65+) and clients with known medical histories should opt for these enhanced plans. Always disclose medical conditions during the quote process to ensure valid coverage — non-disclosure can result in claim denial.

Yes, white-label options are available for established agencies with consistent monthly volumes (typically 100+ policies). White-label programs allow you to issue insurance certificates with your agency branding, custom email communications, and co-branded policy documents. This enhances your professional image and client trust while you continue earning wholesale commissions. Contact our partnerships team to discuss white-label setup, which typically takes 2-4 weeks to implement.

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Free B2B access
Licensed Insurers
A-Rated Underwriters
20-40% Commission
Industry-Leading Rates
Instant Policies
Real-Time Issuance
24/7 Support
Emergency Assistance
500+ Agents
Trusted Platform
Claim Support
Documentation Assistance

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