Travel Insurance can be offered during the online booking process to give guests added protection for their trip. ThinkReservations partners with TravelSafe to provide this coverage directly within your booking engine.
Why This Matters for Your Business
Travel Insurance, also known as Trip Insurance, helps protect your revenue by providing guests with an alternative to requesting exceptions to your cancellation policy. It also provides peace of mind to guests while reducing disputes and chargeback risk for your property.
Managing Travel Insurance in Your Booking Engine
Travel Insurance is enabled by default. Follow the steps below to enable or disable this feature, and understand how it appears to guests.
Log in to your ThinkReservations account.
Navigate to Settings.
In the left-hand menu, select Travel Insurance.
Choose one of the following options:
Enable Now – Turns on Travel Insurance for your booking engine.
Opt Out – Disables the feature.
Automatic Enablement & Opt-Out
Travel Insurance will be automatically enabled by default for all ThinkReservations customers on January 14, 2026.
If you do not want Travel Insurance offered in your booking engine, you must opt out before that date by following the steps above. If no action is taken, the feature will be enabled automatically.
Note: If you enable Travel Insurance, you can turn it off at any time by returning to the Travel Insurance settings page.
How It Works in the Booking Process
Travel Insurance will automatically appear during the guest’s online booking flow after they enter their state or region. This step is required because some states don't allow trip insurance, and the system must verify the guest’s location before displaying available options.
A customer may purchase up to the day before departure; however, if they want the optional Cancel for Any Reason (CFAR) benefits, it must be purchased within 21 days of the initial deposit/payment.
If the Travel Insurance section does not appear, it is most likely due to:
The state or region selected by the guest
The reservation dates (for example, same-day reservations are not eligible)
It's not enabled for the property in settings.
Pricing Overview
The travel insurance premium is calculated as 8.18% of the total room cost, with a minimum premium of $41. This means that if the total room revenue is less than about $500, the guest will still pay the $41 minimum premium.
Guests can review full policy details during booking using the Policy Wording, Product Information, and Terms & Conditions links provided in the booking engine.
What Happens After a Guest Purchases Travel Insurance?
The guest receives a confirmation email directly from TravelSafe with their policy details and claim information.
TravelSafe will charge the guest for the premium.
Travel Insurance does not change or override your property’s cancellation policy.
Your property should continue to enforce your standard cancellation terms.
Provided the Travel Insurance was purchased at the time of the initial booking, the reservation will show the policy number in the details tab. If you do not see this information, the guest’s TravelSafe confirmation email is the best reference.
What If a Guest Cancels Their Reservation?
When a reservation is canceled:
You should process the cancellation according to your normal cancellation policy.
If the guest believes their reason is covered, they must file a claim directly with TravelSafe.
TravelSafe determines eligibility and reimbursement based on the policy terms.
Even if a guest did not purchase Travel Insurance, enabling this integration will give you assurance that guests were offered the opportunity to protect themselves from cancellation fees, enabling you to confidently enforce your policies.
What if a guest wants to cancel their insurance?
TravelSafe offers a 14-day grace period. During this time, a guest may request a refund of their Travel Insurance as long as:
They are not already traveling, and
They have not filed a claim.
Guests can cancel by replying to their TravelSafe confirmation email or by contacting TravelSafe directly.
Phone Reservations & Post-Booking Insurance
Travel Insurance is currently designed to be offered during the online booking process.
For phone reservations:
Guests can contact TravelSafe directly to inquire about purchasing coverage.
A longer-term solution is planned to allow properties to offer Travel Insurance for phone reservations and after the initial booking, but it is not yet available at this time.
Example of the Travel Insurance Offering
This feature is available to all customers, whether using the online booking engine or the ThinkWeb experience. Below is an example of how Travel Insurance appears on a ThinkWeb booking experience:
Below is an example of how Travel Insurance appears on a regular (non-ThinkWeb) booking engine:
Below are links for the Policy Wording, Product Information, and Terms & Conditions that are referenced in the images above.