Accidents during trips are all too common, yet due to weak self-protection awareness among many travel-related businesses and the traditionally complex process of purchasing travel insurance, it’s not uncommon for disputes over compensation to arise after incidents occur due to the lack of such coverage.
Statistics from relevant national departments show that in recent years, the incidence of accidents during travel in China has been on a continuous rise, with accidental injuries and traffic accidents accounting for the majority. Such incidents can impose significant financial burdens on families. Typically, trip organizers purchase accident insurance for travelers, but the process is often cumbersome and the coverage insufficient—long-standing pain points in the industry. The founding principle of HowToTrip was to provide more solutions in this area, making travel safer and travel insurance services simpler.
Technology first, service upgrade
In light of the current state of the travel market, through in-depth market research and an understanding of user needs and habits, we invested in developing HowToTrip—a B2B travel insurance platform that is convenient, efficient, and simple.
“Snap” to recognize, one-click to insure
In the past, the process of purchasing travel insurance was rather complicated. Facing long lists of names could be overwhelming, and even a small mistake could lead to incorrect information, requiring significant manual effort and time. To address these user pain points, HowToTrip launched two solutions—PC and app platforms. Additionally, in terms of the insurance purchase process, we focused on the user experience by eliminating complicated steps. Users no longer need to enter information one by one; simply uploading a photo of an ID allows the system to automatically recognize the relevant details. Traditionally, entering a list of dozens of people would take at least half an hour, but with ID recognition, the entire operation can be completed in just minutes, saving B-end users a great deal of time during the insurance purchase process. This is truly a “complete transformation” compared to traditional business procedures.
Tailored solutions for risk needs
Furthermore, with the rapid development of niche travel markets and the outdoor sports industry, risks are also evolving. To address this, we established a dedicated risk research team and collaborated with insurance companies to develop more comprehensive insurance products. In addition, our product and service catalog includes a variety of insurance types. Partner clients can choose the appropriate insurance based on their company’s characteristics or risk level. Outdoor insurance, visa insurance, and others are prominently listed. Each type of insurance has different coverage scopes and corresponding protection benefits. Whether it’s the comprehensiveness of the insurance products themselves or the responsiveness of claims assistance services after an incident, our users are fundamentally assured.
As a distinctive insurance service provider, HowToTrip has always been committed to creating the perfect experience for users in its focused field. With the arrival of the era of insurance market segmentation and the continuous maturation of mobile internet technology, more specialized B2B insurance platforms like this may emerge. The transformation period for the insurance market is upon us.