Modernizing Group Travel Insurance with a Modern, Scalable Platform

Openkoda built and delivered a full-featured group travel insurance platform for Core Travel Insurance – including policy management, broker and client portals, and client migration – in just eight weeks.

1. Problem

Core Travel Insurance – a leading provider of flexible and reliable travel insurance for large U.S. organizations needed a modern digital platform to manage group travel medical insurance.

Their legacy system not only failed to fully support their core business model, but also significantly limited growth and the ability to introduce new ideas. Critical processes, especially onboarding new partner organizations and enrolling program participants, were manual, time-consuming, and inefficient.

At the same time, the company wanted to empower travelers with a seamless, self-service experience, enabling them to independently and intuitively purchase personalized embedded insurance add-ons based on its patented system of insurance distribution.

The key challenge was clear: replace a rigid, outdated system with a scalable platform that simplifies operations, supports innovation, and enhances user experience.

2. Solution

The core challenge was translating the company’s patented, highly personalized insurance model into a fully functional and scalable software platform.

Off-the-shelf solutions proved insufficient, as they could not support the level of customization required to reflect the client’s unique business logic.

To address this, the implementation was approached in two carefully planned phases.

The first phase focused on building a strong foundation that could fully support the existing business model and client base. This included designing a dedicated and scalable data model, automating the onboarding process for both partner organizations and program participants, and developing efficient mechanisms for importing and managing large volumes of data. At the same time, a flexible system for purchasing insurance upgrades was introduced, allowing pricing and configuration to be tailored to individual needs.

Once the platform was successfully launched live, the second phase focused on expanding its capabilities and increasing business value.

New upgrade products were introduced, enabling travelers to purchase additional coverage through an intuitive self-service experience. A broker portal was developed to support intermediaries, and new functionalities were implemented to allow organizations to modify coverage at scale, further enhancing flexibility and control.

Powered by Openkoda’s highly customizable architecture and supported by a phased rollout strategy, the platform was precisely aligned with the client’s business and calculation rules. Pre-built components accelerated development by up to 60%, enabling rapid delivery while maintaining full flexibility and avoiding the limitations of rigid, pre-packaged solutions.

3. Results

The new platform, built with Openkoda, delivers the flexibility and scalability required to fully support the client’s complex insurance model and digital distribution strategy. It now serves multiple large organizations, each supporting thousands of users, while remaining fully prepared for future growth and expansion.

Launching this platform is a key step in transforming the way we serve organizations and travelers. We needed a solution that paired excellent group travel insurance with our patented, scalable model for personalized traveler upgrades. We required a smooth migration of our existing clients along the way. With Openkoda, we’ve gone from implementation to production in only eight weeks.

 – Fiona Lally, Chief Executive Officer of Core Travel Insurance

The introduction of AI-powered capabilities enhances reporting and speeds up delivery, resulting in faster implementation, more efficient operations, and improved access to actionable business insights.

We are proud to support Core Travel Insurance in launching a platform that combines speed, flexibility, and customer-focused innovation. This project demonstrates how modern platforms, enhanced with AI capabilities, can reduce delivery time, strengthen reporting, and help insurers bring differentiated digital products to market faster.

– Arkadiusz Drysch, Chief Executive Officer of Openkoda