Paris, June 29, 2026. HelloSafe, an independent travel insurance comparison and distribution platform, is opening Coach Atlas to every travel business: agencies, tour operators, OTAs, fintechs and creators. Built as a sales tool, it detects, from a card's first eight digits, its coverage gaps and shows the cover that completes it.
The picture is familiar to every travel professional: most travelers decline insurance because they assume their bank card already covers them. 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
Eight digits, and the gaps show
The first eight digits of a card (the BIN) identify the product. Coach Atlas then shows its real cover, its gaps, and the protection that completes it.
Card's first 8 digits
What the card really covers
- 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.
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. Enter eight digits and Coach Atlas puts them in black and white.
| 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 Coach Atlas, you no longer argue it from memory. You show, with the numbers on screen, where the card stops (exclusion triggers, sub-limits, no upfront cost advance) and the cover that completes it. The objection turns into a recommendation, and the recommendation into a sale.
You stop selling protection "just in case" that would double up. You offer the exact complement: the right medical limit with cost advance, broader cancellation, sports covered, for the right profile. The advice is more credible, the sale is simpler, and the traveler actually leaves protected. All with no insurance license and no claims to handle: HelloSafe carries the compliance and pays you up to 20% commission, every month, renewals included.
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 card stops, right when it matters. Coach Atlas shows it in eight digits 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.
Coach Atlas is part of the HelloSafe Atlas platform: a marketplace of the strongest policies, a white-label comparison tool you can drop onto your site, your blog or your booking flow, and an API. You distribute travel insurance as a complement to the bank card, with no license and without handling a single claim. HelloSafe, the registered distributor, carries the compliance and pays the commissions, up to 20% per policy, monthly and recurring on renewals.
Founded in 2019, HelloSafe compares more than 40 insurers and has covered more than 2 million travelers. Launched in 2024, its Atlas B2B platform brings together more than 1,200 partners worldwide. Coach Atlas and the white-label comparison tool are available from the partner dashboard.
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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.