API documentation

Overview

Compare Travel Insurance (CTI) aggregates quotes from participating insurers and displays them in a single comparison flow. When a traveller requests quotes, CTI forwards a QuoteRequestV2 payload to each enabled provider API and streams results back to the browser as they arrive.

You implement a REST endpoint that accepts trip details and returns priced products. CTI provides the comparison website, quote orchestration, provider portal, outbound click tracking, and review management tools.

Architecture

Each role in the integration and what it is responsible for.

Integration checklist

Production site: https://www.comparetravelinsurance.co.nz. All CTI platform paths below are relative to this host (e.g. /api/v1/quote/stream).

1. 1 Create a provider account and complete your company profile.
2. 2 Implement the Partner Quote API v2 (POST /v2/quotes) on your infrastructure.
3. 3 In the provider dashboard API integration tab, enter your endpoint URL and bearer token.
4. 4 Run Test integration in the dashboard to verify connectivity.
5. 5 Contact CTI to enable your provider for production quote traffic.

This is the API you must implement. CTI calls the URL configured in your provider dashboard whenever a consumer requests quotes. Configure the full URL including path — CTI posts to exactly the URL you supply.

POST /v2/quotes HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: Bearer {apiToken}

{
  "quoteTransactionId": "Q-CTI-2026-00142",
  "policyType": "SINGLE",
  "travellerAges": [35, 32],
  "destinations": ["FRA"],
  "dependants": 0,
  "cruiseCover": false,
  "skiCover": false,
  "coverLevels": {
    "cancellation": 10000,
    "luggage": 5000,
    "medical": -1,
    "excess": 200,
    "carRental": 0
  },
  "singleJourneyDetails": {
    "fromDate": "15/08/2026",
    "toDate": "29/08/2026"
  },
  "allowsMedicalAssessment": true
}

{
  "companyInfo": "Example Travel Insurance is an Australian general insurer offering single-trip and annual travel cover.",
  "quotes": [
    {
      "quoteReference": "TRS-88291",
      "handOffUrl": "https://partner.example.com/purchase?qr=TRS-88291",
      "pdsUrl": "https://partner.example.com/pds/comprehensive.pdf",
      "tmdUrl": "https://partner.example.com/tmd/comprehensive.pdf",
      "premium": 189.5,
      "excess": 200,
      "underwriter": "Example Underwriters Ltd",
      "productCode": "INT-COMP",
      "productName": "International Comprehensive",
      "cancellationCover": 20000,
      "medicalCover": 5000000,
      "luggageCover": 8000,
      "allowsMedicalAssessment": true,
      "benefits": {
        "medical": {
          "overseasEmergencyMedical": {
            "covered": true,
            "value": 5000000,
            "unlimitedCover": false
          },
          "emergencyAssistance": {
            "covered": true,
            "unlimitedCover": true
          }
        },
        "tripDisruptionAndCancellation": {
          "cancellationsOrLostDeposits": {
            "covered": true,
            "value": 20000,
            "unlimitedCover": false
          }
        },
        "luggageAndBelongings": {
          "luggageAndPersonalBelongings": {
            "covered": true,
            "value": 8000,
            "unlimitedCover": false
          }
        }
      }
    }
  ]
}

Error responses

CTI skips providers that error or time out; other insurers still appear in the comparison.

Quote streaming

Used by the comparison website. Request body is the same QuoteRequestV2 JSON sent to your API.

Outbound click tracking

When outbound tracking is enabled, CTI replaces your handOffUrl with a tracked redirect: GET /api/v1/outbound/{linkId} returns 302 to your original URL. Clicks are recorded for reporting.

Always return a valid handOffUrl in quote responses; CTI handles the rewrite in production.

Provider authentication

Authenticate with Authorization: Bearer {accessToken} or the cti HTTP-only session cookie.

Partner portal API

Requires provider JWT. Base path: /api/v1/partner

Reviews & compare APIs

Performance expectations

1. 1 Target under 5 seconds per provider response where possible; the UI streams results as they arrive.
2. 2 Support concurrent requests — CTI fans out to all enabled providers in parallel.
3. 3 Use quoteTransactionId in your logs to correlate CTI requests with your pricing engine.
4. 4 Return JSON only with Content-Type: application/json.

OpenAPI specification

The canonical Partner Quote API is available on request as a YAML or JSON file. Please contact us directly if you would like a copy

Frequently asked questions