Travel Insurance
This guide walks you through issuing travel insurance policies using the Inshuwa API.
Every step below is runnable. Set your key once, fill in the request, press Try it out, and read the real response without leaving the page — see Running requests from the guide.
Set it once and every Try it out below is authenticated. It stays in this browser's local storage and is never sent anywhere but the API.
Choose your issuance flow
Travel supports three of the four issuance flows.
| Prepaid — Inshuwa collects | Account-settled — PayLater / external | |
|---|---|---|
| Quotation first | A. POST /quotations/travel → issue with payment details | C. POST /quotations/travel → issue without them |
| Instant (one call) | B. POST /policies/travel/instant-issue | — |
One issue endpoint, two flows
POST /policies/travel/{quoteId}/issue covers both A and C. Send mobileMoneyAccountNumber or cardDetails and it initiates a collection — the policy is issued when the payment confirms. Omit them and your account's PayLater or external arrangement applies, and the policy is issued immediately.
POST /payments/{quoteId}/pay does the same thing as the payment-carrying form, so use one or the other — it is not a step before issuing.
Traveller registration, product selection, the certificate and renewal are shared by every flow.
Step 1: Create a Policyholder
Register the traveller. Keep the id from the response — it is the clientId on the quotation and on the one-shot call.
Step 2: Select a Travel Product
Each product contains packages with destination coverage, benefits, and premium amounts. Note the packageId.
/products/travel/{productId}Playground
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Flow A / C: Quote, then issue
1. Create a quotation
The response contains the quoteId.
/quotations/{quoteId}/travelPlayground
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2. Issue it
Send reference plus mobileMoneyAccountNumber or cardDetails for the prepaid path (flow A), or reference alone if your account settles externally (flow C).
/policies/travel/{quoteId}/issuePlayground
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Body
3. Poll, if you paid through the gateway
On flow A the response is Pending until the payer approves on their handset. The policy is issued when the payment confirms, and the transaction status carries it.
/payments/transactions/{reference}/statusPlayground
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The generic POST /payments/{quoteId}/pay is an alternative to step 2 for the prepaid path — it also issues the policy on confirmation. Use one or the other.
/payments/{quoteId}/payPlayground
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Body
Flow B: Instant issue and pay (prepaid)
Quote, issue and initiate payment in a single call, supplying the traveller, destination and package inline. reference is required.
/policies/travel/instant-issuePlayground
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Body
One call, not instant settlement
The policy is created immediately but mobile money settles asynchronously. Poll GET /payments/transactions/{reference}/status or handle the webhook before you treat the sale as complete.
Download the Certificate
/policies/travel/{policyId}/certificatePlayground
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Policy Renewal
Renewal collects the premium in the same call.
/policies/travel/{policyId}/renew/payPlayground
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Body
View Travel Policies
/policies/travel/{policyId}