Predictika · Travel insurance quotes

An AI sales agent's OneTrip travel insurance quote, checked before it goes out

An AI sales agent prepares a single-trip travel insurance quote built on the Allianz Travel Insurance OneTrip plans: OneTrip Basic, Prime, Premier, Emergency Medical and Cancellation Plus, for adults of different ages and children, with trip cost, trip length, destination, medical and evacuation cover, the pre-existing condition waiver and Cancel Anytime. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of those plans and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: Allianz OneTrip single-trip quotes: OneTrip Basic, Prime, Premier, Emergency Medical and Cancellation Plus for up to 8 travelers, any mix of adults and children, any trip, destination and cover within the plans. See everything this validator covers

This validator models single-trip quotes on the Allianz Travel Insurance OneTrip plans, not just the scenarios shown below. The plan names and the headline limits (trip cancellation, emergency medical and evacuation) follow public descriptions of the plans; the premiums and several rules are modeled from comparable travel insurance products and are labeled that way.

  • Plans — OneTrip Basic, OneTrip Prime, OneTrip Premier, OneTrip Emergency Medical (international trips) and OneTrip Cancellation Plus (trips within the United States).
  • Travelers — adults under 50, 50 to 64 and 65 or older, and children 17 and under, who are free on Prime and Premier except in Pennsylvania, and are charged on the other plans.
  • Options — the pre-existing condition waiver and Cancel Anytime, each offered on Prime and Premier within a period after the first trip payment, and the extended-trip charge for trips over 30 days.
  • What the validator checks — plan against destination, insured trip cost against the plan's trip cancellation limit, requested medical and evacuation cover against the plan's limits, trip length, traveler count, options and their eligibility, discount, and the stated medical limit and total.
  • Approvals — Level 3 advisory destinations, trips over 90 days, Cancel Anytime with a traveler aged 65 or older, insured trip cost of $25,000 or more per traveler and a discount above 10 percent go to a person.

Any OneTrip single-trip quote that touches these plans, travelers and rules is in scope — not only the scenarios pictured here. Not covered: the AllTrips annual plans, OneTrip Rental Car Protector, other Allianz products, state-specific filings and taxes. Allianz does not publish premiums or the eligibility windows modeled here, so every price and those rules on this page are illustrative.

The AI sales agentBuilds the OneTrip quote from the conversation with the travelers and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Cover limits that differ by planOnly with care
Trip cancellation, emergency medical and evacuation limits are different on each of five plans; a requested cover above the plan limit is one validation rule per limit per plan, easy to leave out of step as plans change.		Every requested limit is compared with the plan limit on every call.
Children free on some plans, in some statesOnly with workarounds
Children 17 and under are free on two plans except in Pennsylvania and charged on the others; a price rule keyed on plan and state, with the count of paying travelers feeding every per-person line.		The paying travelers are computed from plan, state and ages, and every per-person line follows from them.
Plan against destinationOnly with care
Cancellation Plus is for trips within the United States and Emergency Medical for international trips; a product rule on the plan, easy to bypass when the destination is entered later.		The plan and the destination are checked against each other.
Options with a time windowOnly with workarounds
The waiver and Cancel Anytime depend on how many days have passed since the first trip payment and on the plan; a date comparison across two objects that product rules rarely express.		The days since the first payment are an input, and the plan and window are checked together.
A stated total and a stated limit that match the planOnly with workarounds
The agent's own figures are text on a quote; nothing compares them with what the plan gives unless someone builds that check for every plan.		The stated medical limit and total are fields the validator compares with its own.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The policy has 0 adults; children are covered only when they travel with an adult on the same policy.
2The policy has 9 travelers; one policy covers at most 8.
3The plan does not fit the destination; OneTrip Cancellation Plus is a plan for trips within the United States and OneTrip Emergency Medical is a plan for international trips.
4The insured trip cost is $11,000 per traveler, above the $10,000 trip cancellation limit of this plan.
5The insured trip cost is $100,000 per traveler, $25,000 or more, so a person should confirm.
6OneTrip Emergency Medical has no trip cancellation or interruption benefit, but the quote insures $2,000 of trip cost per traveler.
7The quote asks for $50,001 of emergency medical cover per traveler; this plan gives $50,000.
8The quote asks for $500,001 of emergency evacuation cover per traveler; this plan gives $500,000.
9The trip is 180 days; trips longer than 90 days need underwriter review.
10The trip is 181 days; this plan covers trips of 1 to 180 days.
11The destination has a U.S. State Department Level 3 advisory (reconsider travel); a person should confirm the quote.
12The destination has a U.S. State Department Level 4 advisory (do not travel); trips there are not quoted.
13The pre-existing condition waiver is offered on OneTrip Prime and Premier only, and only when the policy is bought within 14 days of the first trip payment; the quote is 15 days after it.
14Cancel Anytime is offered on OneTrip Prime and Premier only, and only when the policy is bought within 14 days of the first trip payment; the quote is 15 days after it.
15Cancel Anytime is requested with 1 traveler aged 65 or older; a person should confirm.
16A discount of $21 on a premium of $200 is more than 10 percent and needs a manager to approve it.
17A discount of $41 on a premium of $200 is more than the 20 percent limit.
18The quote states a total of $180, but the premiums, options and discount give $190.
19The quote states $50,000 of emergency medical cover per traveler, but this plan gives $10,000.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Multigenerational trip to Europe, 8 travelers: A quote for a three-generation trip to Europe on OneTrip Basic

    
The agent's request. Please quote OneTrip Basic for 8 travelers on an international trip of 28 days (3 adults under 50, 2 adults aged 50 to 64 and 3 children aged 17 or under). The insured trip cost is $9,000 per traveler, with $50,000 of emergency medical cover and $500,000 of emergency evacuation cover per traveler, and the pre-existing condition waiver and Cancel Anytime. The quote states emergency medical cover of $50,000 per traveler and a total of $503. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Medical cover above the plan limit. The quote asks for $50,000 of emergency medical cover per traveler; this plan gives $10,000.
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  • Evacuation cover above the plan limit. The quote asks for $500,000 of emergency evacuation cover per traveler; this plan gives $50,000.
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  • Pre-existing condition waiver not available. The pre-existing condition waiver is offered on OneTrip Prime and Premier only, and only when the policy is bought within 14 days of the first trip payment; the quote is 6 days after it.
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  • Cancel Anytime not available. Cancel Anytime is offered on OneTrip Prime and Premier only, and only when the policy is bought within 14 days of the first trip payment; the quote is 6 days after it.
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  • Stated total differs from the computed total. The quote states a total of $503, but the premiums, options and discount give $653.
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  • Stated medical limit differs from the plan. The quote states $50,000 of emergency medical cover per traveler, but this plan gives $10,000.
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2. Multigenerational trip to Europe, 8 travelers: The agent resubmits after fixing the errors

    
The agent's request. Please quote OneTrip Prime for 8 travelers on an international trip of 28 days (3 adults under 50, 2 adults aged 50 to 64 and 3 children aged 17 or under). The insured trip cost is $9,000 per traveler, with $50,000 of emergency medical cover and $500,000 of emergency evacuation cover per traveler, and the pre-existing condition waiver and Cancel Anytime. The quote states emergency medical cover of $50,000 per traveler and a total of $1,170. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 8 travelers, premium $1,170, net $1,170 (illustrative prices, not Allianz prices).
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3. Ski week for a Pennsylvania family: A quote for a family ski week on OneTrip Cancellation Plus

    
The agent's request. Please quote OneTrip Cancellation Plus for 4 travelers on a trip within the United States of 7 days (2 adults under 50 and 2 children aged 17 or under). The travelers live in Pennsylvania. The insured trip cost is $8,000 per traveler, with $25,000 of emergency medical cover and $100,000 of emergency evacuation cover per traveler. The quote states emergency medical cover of $25,000 per traveler and a total of $260. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Trip cost above the plan cancellation limit. The insured trip cost is $8,000 per traveler, above the $5,000 trip cancellation limit of this plan.
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  • Medical cover above the plan limit. The quote asks for $25,000 of emergency medical cover per traveler; this plan gives $0.
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  • Evacuation cover above the plan limit. The quote asks for $100,000 of emergency evacuation cover per traveler; this plan gives $0.
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  • Stated medical limit differs from the plan. The quote states $25,000 of emergency medical cover per traveler, but this plan gives $0.
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4. Ski week for a Pennsylvania family: The agent resubmits after fixing the errors

    
The agent's request. Please quote OneTrip Prime for 4 travelers on a trip within the United States of 7 days (2 adults under 50 and 2 children aged 17 or under). The travelers live in Pennsylvania. The insured trip cost is $8,000 per traveler, with $25,000 of emergency medical cover and $100,000 of emergency evacuation cover per traveler. The quote states emergency medical cover of $50,000 per traveler and a total of $390. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 4 travelers, premium $390, net $390 (illustrative prices, not Allianz prices).
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5. Retirees crossing the United States: A quote for two retirees on OneTrip Emergency Medical

    
The agent's request. Please quote OneTrip Emergency Medical for 2 travelers on a trip within the United States of 21 days (2 adults aged 65 or older). The cover requested is $50,000 of emergency medical and $250,000 of emergency evacuation per traveler. The quote states emergency medical cover of $50,000 per traveler and a total of $180. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Plan does not fit the destination. The plan does not fit the destination; OneTrip Cancellation Plus is a plan for trips within the United States and OneTrip Emergency Medical is a plan for international trips.
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  • Emergency Medical does not insure trip costs. OneTrip Emergency Medical has no trip cancellation or interruption benefit, but the quote insures $6,000 of trip cost per traveler.
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6. Retirees crossing the United States: The agent resubmits after fixing the errors

    
The agent's request. Please quote OneTrip Prime for 2 travelers on a trip within the United States of 21 days (2 adults aged 65 or older). The insured trip cost is $6,000 per traveler, with $50,000 of emergency medical cover and $250,000 of emergency evacuation cover per traveler. The quote states emergency medical cover of $50,000 per traveler and a total of $440. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 2 travelers, premium $440, net $440 (illustrative prices, not Allianz prices).
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7. A destination under a Level 4 advisory: A quote for a long trip to a destination under a Level 4 advisory

    
The agent's request. Please quote OneTrip Premier for 4 travelers on an international trip of 400 days (2 adults under 50 and 2 adults aged 50 to 64). The insured trip cost is $15,000 per traveler, with $75,000 of emergency medical cover and $1,000,000 of emergency evacuation cover per traveler. The quote states emergency medical cover of $75,000 per traveler and a total of $1,030. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Trip length outside the plan maximum. The trip is 400 days; this plan covers trips of 1 to 366 days.
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  • Destination under a Level 4 advisory. The destination has a U.S. State Department Level 4 advisory (do not travel); trips there are not quoted.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a single-trip travel insurance quote built on the Allianz Travel Insurance OneTrip plans: OneTrip Basic, Prime, Premier, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of those plans and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote OneTrip Basic for 8 travelers on an international trip of 28 days (3 adults under 50, 2 adults aged 50 to 64 and 3 children aged 17 or under). The insured trip cost is $9,000 per traveler, with $50,000 of emergency medical cover and $500,000 of emergency evacuation cover per traveler, and the pre-existing condition waiver and Cancel Anytime. The rest of the request is on screen. The quote states emergency medical cover of $50,000 per traveler and a total of $503.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with six findings, all in one answer. The quote asks for $50,000 of emergency medical cover per traveler; this plan gives $10,000. The quote asks for $500,000 of emergency evacuation cover per traveler; this plan gives $50,000. The pre-existing condition waiver is offered on OneTrip Prime and Premier only, and only when the policy is bought within 14 days of the first trip payment; the quote is 6 days after it. The other three are on screen.
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  6. The validator returned six blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
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  7. What this shows: for cover limits that differ by plan, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the plan to OneTrip Prime and the stated total to $1,170.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. The validator also returns the line-item quote. It starts with OneTrip Prime premium and OneTrip Prime premium; the other three lines are on screen.
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  13. All six earlier findings are cleared, and the validator's total, $1,170, matches the quote.
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  14. Six problems caught in one call, fixed in one pass, and a clean $1,170 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    15.