How It Works?

Selling Travel Insurance Has Never Been Easier

TMQuotes makes selling Travel Insurance a breeze. Start selling Travel Medical Insurance in just a few steps.

Got your own website? Integrate in a breeze

We make sure the integration process is simple for our partners. Just add a line of code on your current website and start selling Travel Medical Insurance instantly.

Sign up and get a custom web page for FREE

It is free and easy to get started. Once you have signed up for TMQuotes, you'll have access to our state-of-the-art platform to create a custom web page. Our team of experts will guide you through the process, ensuring that you get set up in no time.

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FAQs

TMQuotes is a technological platform for licensed insurance agents interested in selling international travel medical plans.

It provides a seamless process for agents to:

  • Easily sign up top Travel Insurance companies, instead of going through them individually.
  • Integrate a robust quoting engine either as an Iframe in their existing website, or a hosted site, if they do not have an already existing website.
  • Maintain the changes that the insurance plans go through from time to time.
  • Get ongoing training about insurance plans for the agents.

The sign-up process is easy.

  • You can sign up online and then verify your e-mail.
  • You would receive the partnership contracts from the insurance companies.
  • Once you sign the contracts, the insurance companies also sign the contracts.
  • At this point, you can customize your site, and start selling Travel Medical policies.

Any Health Insurance license holder in any US state can sell the policies online to anyone in the world. However, the Florida Department of Insurance does require these agents also to hold a non-resident license to solicit business to Florida residents.

No, you do not have to pay anything to become a partner with TMQuotes.

We offer an above industry standard commission. The commission amount varies from product to product.

Once you've signed up and become active, you would have access to a sales dashboard that provides real-time data on policies sold daily. It also allows you to view sold policies on a weekly or monthly basis.

You will get compensated directly by the individual insurance companies on a monthly basis.

Currently TMQuotes works with four top companies offering travel medical plans-International Medical Group, Seven Corners, Tokyo Marine HCC Medical Insurance Services and Trawick International, and we are constantly working to add others in the list. If you sign up on TMQuotes, we would work on contracting you with these top companies.

You do not have to do anything to maintain your webpage. TMQuotes will maintain the webpage for you.

Currently, TMQuotes only caters to Licensed Health Insurance agents, based out of the US.

Yes, you would need to provide support directly to your customers. However, if you need any assistance with customer's questions, you can always reach out to us.

If you are already signed up with one or more of the insurance companies and want to move to TMQuotes, you would need to get approval from the insurance company to transfer as our sub-agent. Once you receive the approval, the insurance company will assign you as our sub-producer.

If you are already signed up with another General Managing Agent like TMQuotes and want to move to TMQuotes, you would need to get a written release letter from the existing General Managing Agent. Please send the release letter to us, and we will have the insurance company reassign you as our sub-producer.

The Plans on TMQuotes are available for any international travelers outside their home countries. These include International tourist, international students, Exchange Visitors on J visa, and US Green Card holders coming to USA for short trips.

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About TMQuotes

TMQuotes is powered by VisitorsCoverage, Inc.,
an industry-leading Insurtech player.

We redefine International Travel Insurance Business.

We disrupted the global travel insurance industry by leveraging technology to redefine the way international travelers purchase and manage travel insurance. Through this technology, licensed agents like you can build your own online International Travel Insurance business and improve the online sales process.

With over a decade of experience, we work with the best global travel insurance companies in the United States.

Contact Us

We'd love to help you scale up your business.

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A Quick Guide to Understanding Travel Insurance

February 13, 2020

Due to the number of people who want to travel and the high revenue percentages on each plan sold, travel and trip insurance can be exciting and lucrative additions to an insurance professional’s portfolio.

But first, let’s make sure that we understand what travel insurance is and why it’s so important. There are two basic types of travel insurance—trip insurance and travel medical insurance. 

Trip Insurance usually refers to trip cancellation insurance, a type of plan that reimburses travelers if they are unable to take or complete their trips. Trip insurance helps to protect travelers from suffering complete financial loss of certain prepaid expenses including flight bookings, hotel costs, missed flight connections, lost baggage or passport and rental car booking costs. This kind of insurance can help travelers who are worried about being unable to complete their trip for reasons outside of their control. Although the specifics of each claim and what insurance companies will over varies, the following are usually covered by trip cancellation plans: 

  • Illness and death of travelers or their loved ones
  • Complete cessation of travel services due to strike
  • Terror strikes at the traveler’s intended destination
  • Inclement weather
  • Travelers are summoned to appear in court
  • And more

Travel Medical Insurance refers to plans that help travelers with costs should they need to visit a doctor or hospital while they are traveling abroad. Also known as temporary medical insurance, these plans usually cover new illnesses, conditions and injuries that a traveler might encounter while away from their home country. Most of these plans will not cover care for pre-existing conditions like heart disease, but may cover “acute onset” of symptoms, such as a heart attack, provided that the patient has been taking reasonable precautions and following their doctor’s instructions. In short, a travel medical plan will not cover a traveler like his or her normal medical insurance would, but instead is designed to cover policyholders in the event of catastrophic and/or unexpected events that require immediate medical attention. 

For those that choose to invest in travel insurance, the major benefits include:

  • Financial Protection: Like any insurance, travel insurance is a service that is designed to protect the insured from the worst-case scenario. Emergency medical care can be prohibitively expensive, especially in countries with high health-care costs like the United States and Japan. Similarly, canceling travel plans can mean losing a substantial amount of money. With Travel insurance, your clients can be protected from excessive financial burdens if something happens to disrupt their travel plans. 
  • Peace of Mind: Travel insurance is the ultimate tool for savvy travelers to ensure that their trip goes smoothly. No matter if they are forced to change their plans at the last moment or require the assistance of medical professionals while abroad, your clients will be able to rest assured that they will not lose thousands or even hundreds of thousands of dollars to circumstances outside of their control. 
  • More Fun: Traveling and experiencing new cultures is one of the most fulfilling and exciting things that people can do, but it can be very stressful as well. By removing barriers like cost and worry, travelers can have a better time and truly enjoy their time abroad rather than worry about what could go wrong. 

Want to Learn More?

Does travel insurance intrigue you? Would you like to know more about selling travel insurance or TMQuotes? Email us at info@tmquotes.com to learn more.