Hello there Sea Changers. Welcome back to my series of program lists to assist those of you looking to fund your sea change with affiliate marketing. Today we are going to continue our breakdown of the insurance niche with my 10 travel insurance affiliate programs to stow away this year. This post has come about from a recent one I did covering insurance programs as whole where it quickly became evident that there is so much to choose from within this niche that I have had to expand on every example I had included.
So for those looking to specialise within the travel insurance market, or add to any other travel related niche, let’s check out what I have found.
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Before we begin however, I am conscious that there are a number of different areas or sub niches within this subject hence the quantity of affiliate programs to choose from may be just as large. So how have I picked my best 10? Well… I really just wanted to give you a good cross section of what is out there so I did some searching around and checked a few out and chose them by looking at:
- What they offer
- Commission rates
- Payment terms
- Cookie duration
- Application processes
- Affiliate/Marketing materials provided
Before we start however, let’s have a look at what I mean by the term ‘travel insurance’ and how it can be incorporated within an affiliate marketing website…
What do we mean by Travel Insurance?
Most of us know insurance as that little bit of peace of mind when it comes to protecting ourselves and our valuables. And in this case we are discussing the protection of our travel. Granted this may be a little less appealing given current world events at time of writing, however once things pick up again then this will surely return to become a boom market.
So as we start to check out our travel insurance affiliate program options we can consider the following coverage options:
- Hotel and Flight cancellation
- Trip cancellation
- Lost luggage
- Emergency and Medical
- Theft
- Lost cash
- Rental car
- And so on
And as with most other insurance based companies in recent times, many within this niche have not only taken their business online but also added extras such as loyalty programs, extra options and increased travel information and tips too.
Legalities and Financial Implications
Before we begin however, there are a couple of things I just wanted to to cover. Firstly it should be highlighted that legalities around the sale of insurance policies vary substantially from country to country or state to state. Secondly, by nature, the acquisition of an insurance policy can place users into a contracted arrangement in which policy payments must be made in accordance with contract outlines and inclusions.
So if you are looking at this from an affiliate marketing point of view, great care must be given as to whether you could be construed as giving actual financial or insurance advice or not as many countries also regulate those who are legally able to do so. With all that in mind then, the list of affiliate programs below is provided on a factual basis only and due diligence should be undertaken in regards to their jurisdictional legalities prior to applying. They are also not provided with any advice in regards to the acquisition or use of these insurance policies.
So, now that that is all out the way… Let’s check out the 10 I have found below:
1. Travel Guard
Our first site, Travel Guard is an all encompassing travel insurance broker providing “state-of-the-art travel assistance for millions of leisure and business travelers around the world”. With the ability to obtain quotes via influences such as travel destination and preferred inclusions, Travel Guard offers a number of options covering areas such as:
- Medical (including pre conditions)
- Trip cancellation (even due to job loss)
- Trip delay/interruption
- Lost, delayed or damaged baggage
- Emergency evacuation
- Accidental death and/or dismemberment.
There is definitely enough on this site to base any general travel insurance related affiliate business upon or as an add on within any mainstream travel, adventure or business site as well.
Commission Rates: Not Stated
Payment Terms: Monthly.
Cookie Duration: Not Stated
Application required?: Yes, Travel Guard’s affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Travel Guard affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
2. RoamRight
Next is RoamRight, an online based discount travel insurance site with a number of customisable policies that can include:
- Trip Cancellation
- Trip Interruption
- Accident and Sickness
- Emergency Medical Evacuation
- Baggage Coverage
- Rental Car Excesses etc.
Policy holders can choose their required level of coverage based on the country being visited and the activities they plan to undertake. There is also an app that allows them to manage and claim whilst on the road.
There is probably not enough here to base an entire travel insurance based affiliate marketing business around however their offerings would certainly be a great addition to any insurance or travel related niche. And as with most travel related insurance sites, RoamRight offers a range of tools and information benefits such as travel advice, destination information and a decent blog as well.
Commission Rate: 15%
Payment Terms: Monthly
Cookie Duration: 365 Days
Application required?: Yes, RoamRight’s affiliate program is managed by Share-A-Sale. You will be required to apply for an account then for the RoamRight affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links, banners
3. World Nomads
World Nomads is an online only travel insurance broker that prides itself as having been “designed by travelers, for travelers, who want to buy and claim online, even whilst traveling”. As with most within this list, their travel based products include:
- Death
- Assault
- Terrorist attacks
- Delayed/lost baggage
- Medical and dental
- Trip delay and cancellation
- Health insurance for unexpected illness
And again as with many others here, this site also offers a number of other options including:
- Destination guides, alerts and warnings
- Travel hints and tips
- Stories and more
There is maybe enough to build an affiliate marketing business around if you are dealing with avid or long term travelers however it would be a great companion/add on to just about any insurance, travel/backpacking or even professional travel blogger related site possible.
Commission Rate: Not Stated
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, you will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
4. InsureandGo
InsureandGo is an Australian based insurance company that has “grown to be one of the world’s largest online travel insurance specialists covering over 1.6 million travelers a year”. They offer expertise in low cost travel insurance policies with coverage including:
- Seniors Travel Insurance
- Student Travel Insurance
- Family Travel Insurance
- Winter Sports Travel Insurance
- Pre-existing Medical Conditions
- Non-permanent Resident Travel Insurance
- Pregnancy Travel Insurance
- Natural Disasters Travel Insurance
Areas covered are on par with all other sites listed here including unlimited medical expenses and free insurance for children traveling with an insured adult.
This one has maybe enough to build an affiliate marketing business around however it would be a great companion/add on to just about any travel, holiday or family adventure related site as well. They also offer a decent travel alert service too for that extra peace of mind.
Commission Rate: Not Stated
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, you will need to email the address on the affiliate page with details about you, your business/website, online reach and audience demographics.
Marketing material provided: Text links and banners
5. Travelex Insurance Services
With boasts of being one of the “top three travel insurance providers in the United States”, Travelex Insurance Services covers the needs of travelers far and wide with policies inclusions such as:
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Missed Connection
- Emergency Medical & Dental Expense
- Emergency Medical Evacuation & Repatriation
- Baggage & Personal Effects
- Baggage Delay
- Sporting Equipment Delay
- AD&D
- Kids-Included Pricing
- Travel Assistance
- Rental car collision
All policies are fully customisable to meet the specific needs of travelers.
This would make a great addition to any insurance or travel planning affiliate site or as a baseline for those looking to work within the world of travel insurance. There is also a travel alert section providing extra assistance to your readers.
Commission Rate: Not Stated
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes. You will need to enter personal and website information to apply.
Marketing material provided: Banners, text links
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6. insuremore.co.uk
insuremore.co.uk is a U.K. based insurance provider offering a massive range of general and specialty products including:
- Annual Travel Insurance
- Business Travel Insurance
- Cruise Travel Insurance
- European Travel Insurance
- Family Travel Insurance
- Golf Travel Insurance
- Short Trip Travel Insurance
- Single Trip Travel Insurance
- Ski Travel Insurance
- South America Travel Insurance
- Travel Insurance for Africa
- Travel Insurance for Asia
- Travel Insurance for Australia
- Travel Insurance for the Middle East
- UK Travel Insurance
- USA Travel Insurance
- Winter Sports Travel Insurance
- Worldwide Travel Insurance
They also offer up to 20% discount simply for booking online and users can obtain a quote and purchase a policy in 5 easy steps.
Obviously this site would work best as a base or add on to any general travel insurance related affiliate business or incorporated within any mainstream travel, adventure, business, sports trip, stag/hens or country specific as well especially where the focus is on group trips or adventures.
Commission Rate: up to 18%
Payment Terms: Monthly.
Cookie Duration: 30 days
Application required?: Yes, the insuremore.co.uk affiliate program is managed by Affiliate Future. You will be required to apply for an account then for the insuremore.co.uk affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
7. TravelInsurance4Medical.co.uk
Our next site, TravelInsurance4Medical.co.uk caters for those who wish to travel with pre-existing medical conditions (many will not cover these) via access to a range of policies to suit all budgets and types of travel. The site outlines coverage for “1000s of conditions” which includes :
- Cancer
- MS
- IBS
- Alzheimer’s
- HIV
- Pregnancy
Coverage includes:
- Enhanced COVID-19 Cover
- Single Trip Insurance
- Annual Travel Insurance
- Medical Travel Insurance
- Backpacker & Longstay Travel Insurance
- Winter Sports
- Sports & Activities Automatically Included
- Cruise Travel Insurance
This site would work best as a base or add on to any general travel insurance related affiliate business or incorporated within any mainstream insurance, medical or adventure based site or even where the focus is on seniors travel as well.
Commission Rate: 20%
Payment Terms: Monthly.
Cookie Duration: Not Stated
Application required?: Yes, TravelInsurance4Medical.co.uk’s affiliate program is managed by Awin. You will be required to apply for an account then for the TravelInsurance4Medical.co.uk affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
8. TravelInsurance.com
Now we will look at the comparison sites starting with TravelInsurance.com. This is a large and well-known insurance comparison engine (much like booking.com or Trivago for hotels or flights) that provides the ability to compare travel insurance products from a large array of companies including:
- AXA
- AIG
- April
- Travelex
- Trawick
- and many more
Users simply complete the form outlining their requirements and the platform provides the best quotes based on details entered.
This site would definitely make a great baseline for any travel insurance based affiliate business or again, as an add on to any travel related site or other insurance options as well.
Commission Rate: Not Stated (they say one of the highest in the industry)
Payment Terms: Monthly
Cookie Duration: Not Stated (they say long cookie duration)
Application required?: Yes, you will need to enter personal and website information to apply.
Marketing material provided: Text links, banners
9. InsureMyTrip
InsureMyTrip is another popular insurance comparison engine that, as with the site above, provides comparison quotes from over 25 of the most well-known insurance brokers in the market. Users are able to choose from a wide variety of plans offering a range of coverage with purchase all performed in the one place.
This would make a great addition to any travel insurance affiliate site or as usual, a decent side link to anybody looking to add to their travel related niches as well.
Commission Rate: Not Stated
Payment Terms: 30 Days
Cookie Duration: Not Stated
Application required?: Yes, You will need to enter personal and website information to apply.
Marketing material provided: Banners, text links
10. Travel Insurance Center
Travel Insurance Center is the third (in line only) of our insurance comparison sites offering a good range of options from a number of well-known insurers including:
- Trip Cancellation / Comprehensive Packaged Plans
- Travel Medical/International Medical Insurance
- Emergency Medical Evacuation
- Accidental Death & Dismemberment Insurance
- Global Risk Insurance
- Annual Multi-Trip Insurance
- Group Insurance
Policies are underwritten by the usual suspects of well-known brokers such as:
- Arch/RoamRight
- AXA Assistance
- GeoBlue
- Global Underwriters
- Insuractive
- International Medical Group
- MedjetAssist
- Travel Guard
- Travel Insured International
- Travel MedEvac
- Trawick International
Again, there is probably enough to base an affiliate business on here however it would work well as an add on to any general insurance or travel based site as well. And to assist with reader information there is also a fantastic ‘Travel 411″ blog and information section too.
Commission Rate: $5 per registered user
Payment Terms: Monthly.
Cookie Duration: Not Stated
Application required?: Yes, you will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
How to find your own affiliate programs
As stated earlier, by outlining the sites above I have really just tried to give you a good cross section of the types of programs that are out there by listing the really good ones in each ‘category’. That does not mean that you cannot find affiliate programs that better suit what it is that you are trying to do within this space especially as I could never even begin to cover every travel insurance related requirement or sub niche in the one post. Luckily for us, there is a simple way to find these programs online.
All you need to do is enter “affiliate: niche type” into your search engine (substituting ‘niche type‘ for whatever product it is that you are choosing to sell).
There are insurance affiliate programs for everything else that we have listed at the top of this page as well – you will just need to have a look around until you find one or two that suit your site. Once you have completed your searches, you can look through and find programs that:
- Relate to your niche/problems that you are solving.
- Have quality products – your brand can be severely damaged if you promote poor quality or untrustworthy products.
- Have solid payment and customer service arrangement.
- Pay decent commissions.
- Have good testimonials covering commission payouts and quality of product.
In most cases, you will need to apply for the program before you are allowed to promote their products – don’t take this step lightly or you will be rejected. Affiliate programs will generally want to know:
- Your website name.
- Traffic levels.
- Why you want to join – (so I can make money by selling your insurance stuff is unfortunately not generally a good enough answer).
- How you plan to promote their products.
Conclusion
So… There are 10 of the best travel insurance affiliate programs to stow away this year. I hope it has been helpful for you as you commence your own insurance based affiliate marketing business and as usual, please do not hesitate to comment below if you have any questions, need some advice or have any experiences to share. Oh, and especially comment if you have any experience with these, or any other programs as well.
Until next time
Have fun
Paul
Note: If you make a purchase from this page, there is a very good chance that I make a commission from it – these commissions do not increase your sale price. This may include sales via Wealthy Affiliate.
Do you want further assistance with any of the above or need help to build your own insurance or travel based website?
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