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Travel Insured International Integration

Written by Jade Pathe

TII Integration

Before you can use the TII insurance integration, ensure you have:

  • TII Partner Account: You must have an active TII partner account with an Agency Number and Agent ID.

  • TII API Access: TII must turn on API access for your agency. If you don't see a Request here link next to "Need an API Key?" on your TII dashboard, email [email protected] and ask them to turn on API Key Access.

  • Credit Card Authorization — You must have the ability to collect credit card authorizations enabled in your account settings

Before we jump in - a few disclaimers

We've worked very closely with travel industry lawyers to develop these tools, but the information we give should not be seen as legal advice. Always consult with your legal counsel for specific questions.

As you use Tern to share insurance quotes and get credit card authorization, please remember that you are responsible for knowing travel insurance rules and regulations. Selling travel insurance is regulated differently based on where you and your clients are located. You are responsible for understanding these regulations and presenting insurance options to your clients in a compliant way.

Full Walk Through

Steps

  1. Enabling the TII Integration

  2. Getting Insurance Quotes on a Trip

  3. Client Experience

  4. Advisor View After Booking

  5. Managing Insurance Bookings

Enabling the TII Integration

Before you can get insurance quotes and process purchases, you need to connect your TII account to Tern.

Step 1: Access Personal Integrations

  1. Navigate to your Personal Settings (click your profile icon in the top navigation)

  2. Select Integrations from the settings menu


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  3. You'll see the Personal Integrations page with available integrations
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Step 2: Get Your TII Credentials

You need four details from your TII Advisor Hub: your Agency Number, your Agent ID, an API Key, and a Subscription Key. There is no separate "API token." The API Key and the Subscription Key are the only two keys you need.

  1. Log in to your TII Advisor Hub.
    Your Agency Number and Agent ID are in the box on the right side of the dashboard. Your Agent ID is a short username, not your email address.

  2. Click Request here next to "Need an API Key?"
    If you don't see this link, your agency doesn't have API access yet. Email [email protected] and ask them to turn on API Key Access.

  3. Click Request Key.
    The Key Name and Contact Email are filled in for you. The other fields are optional.

  4. Copy both keys using TII's copy buttons.
    TII shows two keys:

    • API Key: starts with TII_

    • Subscription Key: the second key in the window. TII also calls this the Access Key.

Note: TII shows these keys only once. Copy both before you click I've Saved My Credentials. If you lose them, click Request here again to create a new set.

Tip: TII's step-by-step PDF is attached at the bottom of this article.

Step 3: Connect TII

  1. Go to Personal Settings → Integrations.

  2. Click Connect on the Travel Insured International card.

  3. Enter your details in these fields:

Field in Tern

What to enter

Agency number

Your TII Agency Number

Agent ID

Your TII Agent ID (username, not email)

API key

Your TII API Key (starts with TII_)

Access key

Your TII Subscription Key (TII also calls this the Access Key)

  1. Click Connect.

Note: Both keys are required. If you put the API Key in the Access key field, or leave either key out, the connection fails.

Step 4: Verify Connection Status

When you click Connect, Tern checks your details with TII right away.

  • If TII accepts them, the Travel Insured International card shows Connected. You're all set!

  • If TII rejects them, the form stays open and shows: "Couldn't connect to Travel Insured International. Check your agency number, agent ID, API key, and access key, then try again." Nothing is saved. See Troubleshooting the Connection below.

Troubleshooting the Connection

TII asks me for an "API token," but I can't find one.
There is no separate API token. You only need the API Key (starts with TII_) and the Subscription Key, both from the window TII shows when you click Request here.

I see the "Couldn't connect" error, and my keys are in the right fields.
Request a fresh set of keys. Click Request here on your TII dashboard, copy both keys with TII's copy buttons, paste them into Tern, and click Connect. Don't type keys by hand. One wrong character, like the letter O in place of a zero, makes TII reject them.

New keys still don't connect.
Email [email protected] and ask them to confirm that API access is turned on for your agent account.

I entered my email in Agent ID.
Replace it with the Agent ID shown under your Agency Number on your TII dashboard, then click Connect again.

Disconnecting the Integration

  1. Go to Personal Settings → Integrations

  2. Find the TII integration card

  3. Click Disconnect and confirm

Warning: Disconnecting will prevent you from getting new quotes or processing purchases until you reconnect.

Getting Insurance Quotes on a Trip

Step 1: Create Your Trip

  1. Create a new trip in Tern

  2. Set your travel dates (start and end date) — these are used to calculate insurance coverage periods

Step 2: Add Travelers

Insurance quotes require accurate traveler information. For each traveler, add:

  • Full name

  • Date of birth (critical for accurate quotes)

  • Complete address:

    • Street address

    • City

    • State (standardized format)

    • Country (standardized format)

    • ZIP/Postal code

⚠️ Important: Travelers must have complete and accurate address information for the insurance integration to function properly. We have added Country and State drop downs to contact addresses to keep this information as accurate as possible.

Step 3: Add Itinerary Items and Costs

  1. Navigate to your trip's Itinerary or Bookings tab

  2. Add your travel components (hotels, flights, activities, packages etc.)

  3. For each component, enter:

    • Total cost — used to calculate insurance coverage amounts

    • Destination — via the property, port or itinerary location section

Step 4: Set Deposit and Payment Information

For each booking in your itinerary:

  1. Set the deposit amount (if applicable)

  2. Specify the deposit due date

  3. If the deposit has already been collected, select the appropriate payment status and log the payment date

💡 Tip: Make sure all payment dates and amounts are accurate before getting quotes — these details affect available insurance options.

Step 5: Get Insurance Quotes

  1. Navigate to the Insurance tab on your trip


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  2. Review the displayed trip details (travel dates, total cost, deposit date, traveler details)


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    2. Amount to Insure will default to the trip cost which is a sum of each activity and package on the trip, you can adjust this field by clicking the edit icon


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      2. Make sure to Refresh Quotes after changing this if you have already generated a set of Quotes

    3. The destination field is dynamically derived from all locations and ports in the itinerary's activities and days, not from stored configuration data.


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  3. Click Get Quotes to retrieve options from TII

    1. Note: we only support one insurance option per trip in Tern. So if you have multiple households on one trip then you will need to separate those households on their own trips to generate quotes for each.
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  4. Quotes will display with plan options, pricing, and coverage details.


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You can:

⚠️ Important: If you change any trip details after getting quotes, click Get Quotes again to refresh with updated information.

Step 6: Prepare for Client Review

  1. Review all insurance options and details

  2. Click Ready for Client Review

  3. Publish your trip

Client Experience

Accessing Insurance Options

Clients will:

  1. Open the trip link you've shared

  2. Review their itinerary

  3. Click Select Insurance to view available options
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Access Requirements:

  • Clients must use the exact email address associated with their traveler account

  • The email must be attached to a traveler with full access to the trip

  • Clients will receive a verification code via email to confirm their identity

Viewing Insurance Details

Each option displays:

  • Plan details — coverage inclusions and benefits

  • Pricing — cost for the selected plan

  • Policy documents — link to view sample documents

Selecting and Authorizing Insurance

  1. Client reviews all available options

  2. Client selects their preferred plan and clicks Continue

  3. Client enters payment information and submits authorization


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What happens next:

  • Payment authorization is sent securely to TII

  • Insurance is automatically booked once processed

  • Trip status updates to show insurance as "Paid"

  • A booking is created in the TII system

Emails

Clients will receive an authorization confirmation that explains charges may be processed immediately if your advisor is using a booking integration.

This will also link to a PDF that includes the quote and policy link.

Documents

Travels will see their Order Confirmation in their documents after you publish the trip.

Advisor View After Booking

Booking Creation

After your client has authorized payment:

  1. Return to the trip in your Tern account

  2. Navigate to the Insurance tab

  3. Click into the insurance option to see:

    • Booking date in TII

    • Confirmation details

    • Plan and payment details

This booking will be shared with your agency or available in your booking list within the Commission tab. You can edit the expected commission field directly within the insurance booking view.

This booking will also appear in your TII Portal where you can view policy information, payment details, and traveler details.

Failed bookings

If a booking fails because of a payment declined or expired quote you will see that in the booking with the option to remove the clients authorization to reset. You can also use the clients authorization to attempt to make the booking directly in your TII portal.

Documents

The order confirmation with policy information will be added to the documents tab as visible to travelers.

Managing Insurance Bookings

  • Changes and Cancellations: Any modifications must be handled directly in the TII portal

  • Refresh Functionality: Coming soon!

Need Help?

If you encounter any issues, please contact [email protected], support or refer to the TII portal for policy-specific questions.

Attachment icon
API KEY.pdf
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