Paris, July 10, 2026. HelloSafe, an independent travel insurance comparison and distribution platform, is opening its B2B Atlas platform to every travel business: agencies, tour operators, OTAs, fintechs, visa specialists and creators. The guiding idea fits in one line: the bank card costs the whole industry insurance sales, and Atlas turns that block into recurring revenue.
The picture is familiar to every travel professional. At booking, most travelers decline insurance because they assume their card already covers them. Attach rates confirm it: according to Mordor Intelligence, only 15 to 24% of travelers take out insurance at the point of sale. In other words, more than three in four leave without, often because they overestimate their card. Yet a card's limits are usually unknown to customers who are sure they're protected, and every decline is a sale that slips away.
Live detection
The card, read live
From the card name, its bank, its network or its first six to eight digits (the BIN), HelloSafe Atlas recognizes the exact product, checks it across 25 benefits and nearly 200 destinations, then shows its gaps. It then pulls, from the same base of 100+ cards and 30 banks, the insurance that fills them.
Card's first digits (BIN)
The card's gaps
- Emergency medicallow sub-limit
- Cancellation reasonsvery limited
- Sports & COVIDexcluded
- Cost advanceon you
- Rental carcovered
$500k medical with cost advance, broader cancellation and sports: the cover that completes the card.
A single tool to read any card
HelloSafe Atlas answers this with a tool no one else offers: the insurance diagnostic of a bank card. From the card name, its bank, its network or its first six to eight digits, the tool recognizes the exact product, checks it across 25 benefits and nearly 200 destinations, then shows its real cover and its gaps. It then pulls, from the same base, the insurance that precisely fills those gaps.
Those first digits (the BIN, for Bank Identification Number) identify the network, the issuing bank and the card tier, without ever revealing the cardholder's identity or the full number. It is this reading, matched against a base of 100+ cards and 30 banks kept up to date, that shows the real contract, not the brochure.
The main gaps in a bank card
Three limits show up on almost every card, and your customers don't see them: plenty of exclusion triggers, sub-limits reached fast, and usually no upfront cost advance.
| Benefit | What the traveler assumes | The card's reality |
|---|---|---|
| Emergency medical | Covered anywhere | Sub-limit spent fast abroad, deductible on top |
| Cancellation reasons | Refunded no matter what | A few serious reasons only, most cases excluded |
| Sports & COVID | Included | Usually outside the policy |
| Cost advance | Assistance pays the hospital | Reimbursed after the fact, on receipts: the advance is on you |
| Baggage | Reimbursed | A few hundred dollars sub-limit |
| Trip length | The whole trip | Often capped at 90 days per trip |
The objection that costs you the most sales
"I'm already covered by my card." It's the line that kills more travel insurance sales than any other. The card is a real base, but its limits are rarely the ones the customer imagines.
With HelloSafe Atlas, you no longer argue it from memory: you show, with the numbers on screen, where the card stops and the cover that completes it. The objection turns into a recommendation, and the recommendation into a sale.
A full range to offer as a complement
Where the card stops, Atlas gives access to a marketplace of more than 40 insurers (AXA, Allianz Travel, Europ Assistance, Chubb and 35 more), for any nationality and nearly 190 destinations. You offer the real cover, the one the card is missing: medical up to €4.5M (up to $500k in the United States), repatriation at actual cost, cancellation for all justified reasons, sports, baggage and 24/7 assistance. Everything is subscribed online in minutes, often at a negotiated rate, below buying direct. You no longer sell protection "just in case": you offer the exact complement, at the right limit, for the right profile.
One of the market's most rewarding affiliate programs
The model is the same whatever your business and your level of integration. HelloSafe pays up to 20% commission on every subscription, one of the highest rates on the market where most programs cap at 10-12%. The attribution window is 90 days, against 30 to 45 elsewhere, which often doubles commissions for the same traffic. Commissions are recurring on every renewal, and paid every month, with no minimum threshold. You distribute, HelloSafe carries the compliance, the regulatory documents and the claims. In practice: a tracked link goes up in two minutes, a white-label comparison tool in a day, an API in under two weeks.
| HelloSafe Atlas | The rest of the market | |
|---|---|---|
| Commission rate | Up to 20% | 10 to 12% |
| Attribution window | 90 days | 30 to 45 days |
| Commissions on renewal | Yes | Rarely |
| Payout | Monthly, no threshold | €50 to €250 threshold |
| Card diagnostic included | Yes | No |
Whatever your business
The same tool adapts to every travel player, with results already measured across partners.
| Your business | What HelloSafe Atlas changes |
|---|---|
| Agencies | The card in hand, +35% conversion on insurance |
| OTAs and booking platforms | Insurance at checkout, up to 3× the attach rate |
| Tour operators | Every departure covered, around €160 commission per departure |
| Fintechs and neobanks | Card intelligence in the app, up to 18% attach |
| Creators | One link per post, revenue that lasts well after it |
| Visa specialists | The compliant certificate in the funnel, integrated in under 4 hours |
A medical cap spent in two days of hospital, a cancellation refused for lack of a valid reason, the cost advance you have to front yourself: that's where the bank card stops, right when it matters. HelloSafe Atlas shows it in seconds and puts the completing cover next to it. Travel businesses stop selling 'just in case' and start offering the right complement. It's more honest, and it sells better.
Founded in 2019, HelloSafe compares more than 40 insurers and has covered more than 2 million travelers. Launched in 2024, its B2B Atlas platform already brings together more than 1,200 partners worldwide: 630 blogs, 210 OTAs, 270 creators and media, 90 visa comparison sites. HelloSafe is a registered insurance distributor (ORIAS no. 21 008 038) rated 4.6 out of 5 on Trustpilot. The card diagnostic, the marketplace and the white-label comparison tool are available from the partner dashboard.
###
About HelloSafe
HelloSafe is an independent travel insurance comparison and distribution platform. It lets travel players (agencies, creators, platforms and fintechs) offer travel insurance to their customers without holding an insurance license. You are free to reuse this description in your articles.