Tap into a New Revenue Stream: Embedding Travel Insurance in Your App

Travel is booming again, and with it comes a huge opportunity that many insurance brokers have been overlooking: travel insurance. Most clients don’t think to ask for travel coverage, and many brokers don’t proactively offer it – often because travel policies are low-premium and not top-of-mind. But times have changed. Post-pandemic, 90% of traveling Canadians say travel insurance is more important now than ever before​. And with 60% of Canadians planning to travel in 2025, the demand for convenient coverage has never been higher.

The good news? Offering travel insurance has never been easier, thanks to a new digitally embedded solution that lets your clients buy coverage with a tap on their phone. By integrating Allianz Global Assistance’s travel insurance into your truMobile app, you can allow customers to self-serve their travel coverage in seconds. In this post, we’ll explore the market opportunity for travel insurance, why now is the perfect time to jump in, how embedding Allianz travel insurance into truMobile works, and the benefits to your brokerage. By the end, you’ll see how this feature can help you capture a new, low-effort revenue stream while delivering better service to your clients.

Market Opportunity: The Untapped Travel Insurance Demand

Travel insurance has historically been a missed opportunity for brokers. Clients rarely call up asking for it, and brokers have tended to focus on the “big” policies like home and auto first. Yet neglecting travel coverage means leaving value on the table. When you provide a client with all their insurance needs – home, auto, and travel – you make them a stickier client who is less likely to stray. In fact, adding that small “anchor” travel policy can boost retention; the more products a client has with your brokerage, the more likely they are to stay.

What’s more, travel insurance fulfills a critical need. Many Canadians mistakenly assume their provincial health plans cover out-of-province emergencies, but that’s not true in most cases​. Provincial healthcare only covers a small fraction of out-of-country medical costs​. Travellers without specialized travel insurance could face devastating bills – for example, Allianz recently paid a $1.4 million medical claim for a Canadian who broke a leg in the U.S. Most clients simply can’t afford an unexpected expense like that. By educating clients on these risks and offering an easy solution, brokers can truly act as the trusted advisor, ensuring customers have peace of mind wherever they go.

The sheer scale of post-pandemic travel underscores the opportunity. As noted, a strong majority of travellers now prioritize insurance​. Canada is seeing a surge in trips: nearly 28 million Canadians took an overnight trip in 2024​. That’s 28 million trips that all needed travel coverage. Every one of those journeys is a potential policy sale – and if you’re not offering it, someone else (or a direct-to-consumer channel) will. Simply put, there’s real demand waiting to be met, and brokers are perfectly positioned to meet it.

Why Now: Post-Pandemic Boom and Digital Expectations

Travel has come roaring back after the pandemic lull. People are eager to vacation abroad, visit family, or just cross the border for weekend getaways. With this boom, clients are more aware of risks and want the safety net of insurance more than ever. According to Allianz’s data, 90% of Canadian travellers now view travel insurance as essential in a post-pandemic world​. The mindset shift is clear – travellers don’t want to take chances when it comes to protecting their health and finances on a trip.

At the same time, consumer expectations have evolved. Today’s travellers (especially younger, digital-savvy clients) expect to handle things online or via mobile apps, at their own convenience. They book flights and hotels in a few clicks, often late in the evening or on weekends. If buying travel insurance isn’t just as easy, they may skip it or purchase through a more convenient channel. That’s why now is the time to bring travel insurance into your brokerage’s digital ecosystem.

By embedding travel insurance into a self-serve mobile app, you meet clients where they are. They can purchase coverage instantly, 24/7 – even when your office is closed. This aligns perfectly with when people actually plan trips (often outside of 9–5 hours). In short, offering a digital, on-demand solution positions your brokerage to capture sales that would otherwise be lost. It also signals to your clientele that you’re keeping up with the times, providing modern convenience alongside traditional advice. For a digitally curious broker leader, this is a chance to align with changing customer behaviour and expectations, ensuring you remain relevant and competitive.

How It Works: Embedding Allianz Travel Insurance in truMobile

Imagine your customer is using your brokerage’s mobile app (Trufla’s truMobile platform) to check their policy or pink card. Now, they can also seamlessly buy travel insurance right there in the app, without picking up the phone or visiting another website. Allianz Global Assistance’s travel insurance is integrated directly into truMobile, essentially turning your app into a one-stop shop for insurance needs..

Here’s how the embedded solution works in practice:

• In-App Marketplace: Within your branded truMobile app, customers will see travel insurance listed as an available product (often in a “Marketplace” section). This is fully broker-branded – your logo and colours stay front and centre, while the coverage is provided by Allianz behind the scenes​. Clients trust it because it’s coming from you, and it’s backed by a global leader in travel insurance.

• Quick Quote & Purchase: The customer can get a quote and buy coverage in just a few taps. Because they’re already logged into your app, much of their info (like name, age, and address) is pre-filled from their profile​. They simply select which family member or insured person needs coverage, enter trip details, and check out with a credit card. There are no lengthy forms – the app removes friction by streamlining the process. In fact, it literally takes seconds for a client to tap “Buy” and receive confirmation that they’re covered.

• No Broker Intervention Needed: The beauty of this embedded approach is that it requires zero manual effort on your part at the point of sale. There’s no coding, no paperwork, and no admin follow-up required from your team. Once you’ve enabled the feature, clients self-serve entirely. You don’t need to generate quotes or process applications – the app and Allianz’s systems handle everything behind the scenes, automatically.

• Automatic Policy Documentation: After purchase, the client immediately receives their travel insurance documents digitally (via email or in-app), and the policy record is added to their profile. You maintain visibility through your broker portal – every sale is tracked, giving you full oversight without any effort in document handling. It’s seamless for the client and for your office.

Setting this up is straightforward. If you’re already a Trufla client using truMobile, turning on Allianz travel insurance is as simple as activating a setting (with Trufla’s help). There’s no complex project required – Trufla and Allianz have done the heavy lifting for you. Essentially, it’s an out-of-the-box feature: just connect your payment processing (with guidance from Trufla) and you’re ready to go live. It’s plug-and-play, so you can start offering in-app travel coverage almost immediately.

Benefits to Brokers: Revenue, Retention, and Minimal Effort

Why should broker principals and leaders get excited about this feature? In a nutshell, it opens up a new revenue stream with very little effort or expense. Here are the key benefits:

• Passive Income from Travel Sales: Every time a client buys a travel policy through your app, your brokerage earns commission – automatically. There’s no need to invoice or manually process anything; commissions flow directly to you. In fact, Allianz and Trufla have set it up so that the revenue deposits right into your account without creating extra admin work or reconciliation hassles​. It’s truly earn-while-you-sleep income, since clients can purchase at any hour and you’ll still get paid.

• No Overhead or Added Work: Traditionally, selling travel insurance might not feel worth it due to the paperwork or staff time relative to a small premium. But with this embedded model, all the heavy lifting is handled by technology​. Your team doesn’t have to chase quotes, process forms, or handle claims – the digital platform and Allianz take care of it. There’s also automated marketing (more on that next) that drives sales without your staff having to push it. In short, you gain the benefits of offering a new product without burdening your operations.

• Built-In Marketing to Drive Adoption: One of the most impressive advantages is the automated marketing engine that comes with this feature. Trufla and Allianz have collaborated on a series of co-branded marketing campaigns delivered through your app and via email, prompting clients to consider travel insurance at just the right moments​. For example, around peak travel seasons, holidays, or long weekends, the system can send push notifications to your clients’ phones – reminding them to “Get coverage for your upcoming trip” – all with your brokerage’s name attached. These messages are hyper-targeted based on travel trends and customer data, so they reach the people most likely to be planning a getaway​. The marketing content (emails, banners, notifications) is pre-made and broker-branded​, meaning you don’t have to design a thing. It’s truly set-and-forget: the app does the promoting for you, driving awareness and sales without you lifting a finger.

• Never Miss a Sale: The truMobile platform also helps you capitalize on opportunities that might otherwise slip away. Suppose a client starts getting a travel insurance quote in the app but gets distracted and doesn’t complete the purchase. On your broker dashboard, you’ll be alerted that the quote was started and left unfinished, including the details the customer already entered​. Armed with that insight, you can reach out with a friendly reminder – “Need help finishing that travel coverage?” – or have the system send a nudge automatically. Often the client just forgot, and they’ll appreciate the follow-up. What would have been a lost sale can now be recovered easily​. This smart follow-up feature ensures you capture as much business as possible, turning would-be missed opportunities into revenue.

• Higher Customer Satisfaction & Retention: By offering travel coverage alongside other policies, you position your brokerage as a convenient one-stop shop. Clients appreciate the ease of getting all their insurance needs met in one place, and they’ll remember that you looked out for their travel plans. This boosts loyalty. Also, as mentioned earlier, the more products a customer has with you, the more “sticky” the relationship – you’ve wrapped your arms around all their needs, making it less likely they’ll move to a competitor​. Even though a travel policy might be a smaller ticket item, its impact on customer satisfaction and long-term retention can be significant.

• Enhanced Modern Image: Adopting digital innovations like embedded insurance sends a message that your brokerage is forward-thinking and client-centric. Broker leaders who champion such features show they’re keeping up with insurtech trends and consumer expectations. This can improve your brand reputation – not only with clients (who enjoy the convenience) but also within the industry. Being seen as a tech-savvy, modern brokerage can help attract partnerships and even new talent who want to work at a place on the cutting edge.

In summary, embedding Allianz travel insurance into truMobile offers a rare win-win: you provide better service to clients and boost your bottom line, all without adding operational stress. It’s not often that a new initiative can generate revenue, require minimal upkeep, and strengthen client relationships simultaneously.

Ready to Activate Your New Revenue Stream?

Travel insurance may have been an afterthought in the past, but with travel rebounding and digital self-service on the rise, it’s an opportunity your brokerage can’t afford to ignore. With Allianz coverage embedded in your truMobile app, you can start capturing those millions of travel opportunities out there​while barely lifting a finger.

If you’re already a Trufla client with truMobile, activating this feature is quick and easy – reach out to your Trufla representative to get started. And if you’re not yet using truMobile, it might be time to explore how this digital platform (and others like it) can modernize your client experience and open up new revenue streams.

Don’t let another travel season pass by without tapping into this growth. By offering self-serve, in-app travel coverage, you position your brokerage at the cutting edge of convenience and care. It’s not just about selling a policy – it’s about saying “We’ve got you covered, wherever you go.”

Take the step to embed travel insurance in your mobile app, and watch a low-effort idea turn into lasting results. Your clients will thank you – and your bottom line will too.

If you’re a current client and would like Travel turned out – contact your CSM

If you’re a new client, you can grab a demo here