Travel Insurance Integration Guide

Product code: ltix-stnd-1111

International travel protection underwritten by SanlamAllianz.

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Product Overview

Travel insurance covers emergency medical expenses, trip disruptions, baggage loss, and related events during international travel. Coverage zone is determined automatically from the destination country.

Zone	Countries
Schengen	Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
Area 1	Ghana, Kenya, Saudi Arabia, South Africa, United Arab Emirates, United Kingdom
Area 2	Canada, Japan, United States
Hajj & Umrah	Saudi Arabia only — requires isHajj: true

Plan type: individual (primary traveler only) or family (primary traveler + additional travelers on the same policy).

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Premium Rates

Indicative rates. Premiums shown are examples and subject to change. Always use Step 1 (SR10) to get the current rate before collecting payment from your customer.

All rates in NGN. Age of the primary traveler determines the rate tier.

Standard Plans (ages 0–69)

Duration	Schengen Indiv	Schengen Family	Area 1 Indiv	Area 1 Family	Area 2 Indiv	Area 2 Family
1–7 days (7d)	5,072	10,144	5,480	10,960	7,524	15,048
1–15 days (15d)	8,516	17,470	8,220	16,440	9,582	19,166
1–30 days (30d)	14,934	29,868	13,004	26,008	15,744	31,488
1–62 days (62d)	22,260	44,520	19,846	39,692	23,268	46,534
1–92 days (92d)	27,332	54,664	30,110	60,220	30,806	61,612
6-month multi-trip (6m)	37,476	74,952	36,272	72,542	40,374	80,748
12-month multi-trip (12m)	45,366	90,732	45,172	90,346	58,176	116,352

Ages 70–75: multiply above rates × 2. Ages 76–80: multiply × 2.5. Maximum insurable age: 80.

Hajj & Umrah

Duration	Ages 0–18	Ages 19–75	Ages 76–80
15 days (15d)	1,828	4,752	9,504
25 days (25d)	2,976	7,736	15,470
45 days (45d)	5,440	14,144	28,288

Hajj & Umrah is only available with isHajj: true and destination: "Saudi Arabia". Durations 15d, 25d, and 45d are exclusive to Hajj — they are not valid for other plans.

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What Is Covered

• Emergency medical and hospital expenses (up to 35,000 EUR, 50 EUR deductible)
• Emergency dental (up to 150 EUR)
• COVID-19 emergency medical expenses and quarantine accommodation
• Medical evacuation and repatriation of remains
• Trip delay, missed departure, and missed connection
• Baggage delay (up to 400 EUR after 6 hours), loss (EUR 20/kg up to 500 EUR)
• Loss of travel documents including passport
• Loss of personal money
• Legal expenses and bail bond
• 24/7 travel assistance services

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Integration Flow

Step 1: Get premium quote
Step 2: Register consumer
[Collect payment]
Step 3: Request policy
Step 4: Check policy status

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Step 1 — Get Premium Quote

curl -X POST https://octamile-api.azurewebsites.net \
  -H "Content-Type: application/json" \
  -d '{
    "userInfo": {
      "id": "YOUR_PARTNER_ID",
      "athrzt": { "id": "YOUR_AUTH_ID", "key": "YOUR_AUTH_KEY" }
    },
    "cmmnd": {
      "cmmnd": "dump ipck_ltix-stnd-1111*PRMM",
      "seed": {
        "insrncDrtn": "15d",
        "destination": "France",
        "planType": "individual",
        "travelerAge": 35
      }
    }
  }'

Field	Type	Required	Description
insrncDrtn	string	Yes	Duration tier — see supported values below
destination	string	Yes	Destination country — see supported countries above. The coverage zone (Schengen/Area 1/Area 2) is derived automatically.
planType	string	Yes	individual or family
travelerAge	integer	No	Age of primary traveler — affects rate for ages 70+. Defaults to 35 if omitted.
isHajj	boolean	No	Set true for Hajj & Umrah travel. Destination must be "Saudi Arabia".

Supported durations:

Type	Values
Standard plans	7d, 15d, 30d, 62d, 92d, 6m, 12m
Hajj & Umrah only	15d, 25d, 45d

Response:

{
  "exctnFdbck": { "id": 75 },
  "prmm": 8516,
  "currency": "NGN"
}

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Step 2 — Register Consumer

curl -X POST https://octamile-api.azurewebsites.net \
  -H "Content-Type: application/json" \
  -d '{
    "userInfo": {
      "id": "YOUR_PARTNER_ID",
      "athrzt": { "id": "YOUR_AUTH_ID", "key": "YOUR_AUTH_KEY" }
    },
    "cmmnd": {
      "cmmnd": "prfl entity",
      "seed": {
        "type": "s",
        "class": "h",
        "name": { "first": "Innocent", "last": "Egbeigwe" },
        "phoneNo": "+2348063639347",
        "eMail": "innocent.e@email.com",
        "gender": "m",
        "dob": { "date": "1980-07-03" },
        "addrss": { "addrss": "17 Ishola Street, Lagos, Nigeria" }
      }
    }
  }'

Response: Returns id — store as consumer_id.

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Step 3 — Request Policy

Prerequisite: The {CONSUMER_ID} in the command string must be the id returned by SR05 using the same API credentials you are using here. Passing a UUID not returned by SR05 will result in a 409 Consumer not found error.

Individual plan

curl -X POST https://octamile-api.azurewebsites.net \
  -H "Content-Type: application/json" \
  -d '{
    "userInfo": {
      "id": "YOUR_PARTNER_ID",
      "athrzt": { "id": "YOUR_AUTH_ID", "key": "YOUR_AUTH_KEY" }
    },
    "cmmnd": {
      "cmmnd": "entt_{CONSUMER_ID}: insure",
      "seed": {
        "ctgry": "ltix",
        "type": "stnd",
        "pckg": "1111",
        "insrncDrtn": "15d",
        "id": "YOUR_32_CHAR_TX_REF",
        "addtnlFact": {
          "planType": "individual",
          "destination": "France",
          "departureDate": "2024-08-24",
          "returnDate": "2024-09-08",
          "passportNo": "B50120600",
          "occupation": "Business",
          "nokName": "Ngozi Ugochukwu",
          "nokRelationship": "Spouse",
          "nokPhone": "+2348039361541"
        }
      }
    }
  }'

Family plan

For a family plan, include the primary traveler's details at the top level as normal, plus a passengers array for each additional traveler.

curl -X POST https://octamile-api.azurewebsites.net \
  -H "Content-Type: application/json" \
  -d '{
    "userInfo": {
      "id": "YOUR_PARTNER_ID",
      "athrzt": { "id": "YOUR_AUTH_ID", "key": "YOUR_AUTH_KEY" }
    },
    "cmmnd": {
      "cmmnd": "entt_{CONSUMER_ID}: insure",
      "seed": {
        "ctgry": "ltix",
        "type": "stnd",
        "pckg": "1111",
        "insrncDrtn": "15d",
        "id": "YOUR_32_CHAR_TX_REF",
        "addtnlFact": {
          "planType": "family",
          "destination": "France",
          "departureDate": "2024-08-24",
          "returnDate": "2024-09-08",
          "passportNo": "B50120600",
          "occupation": "Business",
          "nokName": "Ngozi Ugochukwu",
          "nokRelationship": "Spouse",
          "nokPhone": "+2348039361541",
          "passengers": [
            {
              "firstName": "Chika",
              "lastName": "Egbeigwe",
              "dob": "1982-03-15",
              "passportNo": "B60234500",
              "gender": "f",
              "occupation": "Teacher"
            }
          ]
        }
      }
    }
  }'

Required Fields

Field	Type	Description
ctgry	string	Always "ltix"
type	string	Always "stnd"
pckg	string	Always "1111"
insrncDrtn	string	Duration tier matching the quote
id	string	Your 32-char lowercase alphanumeric transaction reference
addtnlFact.planType	string	individual or family
addtnlFact.destination	string	Destination country — must match a supported country
addtnlFact.departureDate	string	ISO 8601 (YYYY-MM-DD)
addtnlFact.returnDate	string	ISO 8601 (YYYY-MM-DD)
addtnlFact.passportNo	string	Primary traveler's passport number
addtnlFact.occupation	string	Primary traveler's occupation
addtnlFact.nokName	string	Next of kin full name
addtnlFact.nokRelationship	string	Relationship to traveler
addtnlFact.nokPhone	string	Next of kin phone number

Family Plan — Additional Traveler Fields (passengers array)

Required for planType: "family". Each entry in the passengers array must have:

Field	Type	Required	Description
firstName	string	Yes
lastName	string	Yes
dob	string	Yes	ISO 8601 (YYYY-MM-DD)
passportNo	string	Yes
gender	string	No	"m" or "f"
occupation	string	No

Optional Fields

Field	Type	Description
addtnlFact.middleName	string	Primary traveler's middle name
addtnlFact.nokAddress	string	Next of kin address
addtnlFact.isHajj	boolean	true for Hajj & Umrah

Response:

{
  "exctnFdbck": { "id": 75 }
}

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Step 4 — Check Policy Status

curl -X POST https://octamile-api.azurewebsites.net \
  -H "Content-Type: application/json" \
  -d '{
    "userInfo": {
      "id": "YOUR_PARTNER_ID",
      "athrzt": { "id": "YOUR_AUTH_ID", "key": "YOUR_AUTH_KEY" }
    },
    "cmmnd": {
      "cmmnd": "dump entt_{CONSUMER_ID}|insr_ltix-stnd-1111-{TX_ID}*STATUS"
    }
  }'

Status values

status	Meaning	Next step
"p"	Pending — SanlamAllianz is processing the booking	Continue polling
"a"	Approved — certificate URL in response	Done
"d"	Declined — see statusNote for the reason	Do not retry; contact Octamile

Polling: Travel policies typically approve within 60 seconds. Poll every 10–30 seconds. In test mode, approval is instant.

Approved response (live mode):

{
  "exctnFdbck": { "id": 75, "id_v4": 200 },
  "status": "a",
  "certUrl": "https://..."
}

In test mode, the response includes both policyNo (a demo number) and certUrl (a demo link). In live mode, only certUrl is returned.

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Common Errors

Error	Likely cause	Fix
destination not provided	destination missing from Step 1 seed	Include destination as a required field in your SR10 call
Destination country not recognised	Country name not in the supported list	Use one of the supported country names from the table at the top of this guide
Nigeria is the country of origin	destination set to "Nigeria"	Travel must be to a foreign country
Invalid duration for plan	Using 7d–92d with Hajj, or 15d/25d/45d without isHajj	Hajj durations are exclusive
Age exceeds limit	travelerAge > 80	Maximum insurable age is 80 years
Missing next of kin	nokName, nokRelationship, or nokPhone not provided	All three are required
Missing passenger fields	Family plan with incomplete passengers entry	Each passenger needs firstName, lastName, dob, passportNo

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See also

• Error Reference — full list of error codes and fixes
• Webhooks — receive push notifications instead of polling
• Consumer Management — register and reuse consumer profiles