Overview
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.
Preparing your account for travel insurance authorization
In order to collect credit card authorization for travel insurance, you'll need to ensure your account is ready from a security and compliance standpoint. Please follow the instructions outlined in our article on Credit Card Authorization.
Setting up travel insurance
1. First, choose a trip that you'd like to add Insurance options to and click the 'Insurance' tab
2. You will see two options set up by default - 'declining to insure trip', and 'opting to buy insurance elsewhere'
These options will show up to your clients when they make their insurance selection, so you can track an 'opt out' for your records.
3. If you would like to pull a quote via one of our insurance integrations, click "get quotes"
Learn more here:
4. If you'd like to add a manual quote from another provider, click the "add manual quote" button
5. Next, fill out policy information
Add the insurance name and supplier, and upload or link to the supplier policy.
It is strongly recommended that you include the quote number & date from the supplier.
Add the price of the policy. Make sure it is the exact amount you will make the credit card payment for.
6. Add as many options as you'd like to present to your client. When you are ready, toggle 'ready for client review' in the Insurance settings section.
Note: as with other changes you make, you'll need to re-publish the trip for your client to see these new insurance options you added.
Client experience: selecting insurance & authorizing payment
1. Once your insurance options are published, you client will see the Insurance is ready for review at the top right side of their trip
2. They will click the Insurance to review, and will see the options you provided, along with the ability to opt out
If they opt out and there aren't any other pending credit card authorizations to make, they are all set! If there are other authorizations, they can make them on the next screen.
3. If they do decide to authorize a specific quote, they will be prompted to authorize payment for it on the next page
If there are other pending credit card authorizations, they can make them at this time as well. Learn more about what this looks like in our article on Credit Card Authorization.
Once they submit, they are all set.
Records & receipts - opt in
1. Once a client has authorized an insurance option, you will both receive an email confirmation
2. Attached to the email is a PDF receipt
3. You will see the insurance option as authorized in the product, along with credit card details
It will remain authorized for 30 days before it expires. Note: if you change any required fields after authorization (supplier, policy, or price), we will reset authorization status immediately.
4. You will also see any authorizations logged under 'trip activity'
Records & receipts - opt out
You and your client will receive an email record of their opt out
A PDF receipt will be attached
The PDF receipt will be added to your trip documents automatically
Language will be added to any invoices you generate
If the trip cost changes and you want to re-prompt them, you can ‘reset choices’
Opt out language removed from new invoices
You still have a record of the original opt out on previous invoices + receipts
