Predictika · Travel insurance quotes
An AI sales agent prepares a travel insurance quote with a plan, a destination, travelers, requested cover, optional add-ons and a stated premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the plan rules and returns a verdict and every reason.
This validator models travel insurance quotes, not just the scenarios shown below.
Any travel insurance quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: daily travel delay, missed connection and accident cover rows, and state differences other than Texas and New York. Plan names and per-person benefit limits follow Generali's public plan pages; the traveler limit, trip cost, trip length and age thresholds, and all premium rates are modeled, not published by Generali, and the premiums are illustrative.
6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch
Illustrative agent statement. The validator receives the structured request below.
Proposing agent: AI sales agent (scripted)
Before sending, the agent must call Recorded run
What this means
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 caught | Typical rules-based CPQ | Predictika |
|---|---|---|
| Add-ons that depend on the plan | Only with care Cancel For Any Reason and pre-existing condition cover each apply to the Premium plan only, which is a rule that looks back at another choice. | The plan and every add-on are in one request and checked together on every call. |
| Time windows on add-ons | Only with care Cancel For Any Reason must be bought within 24 hours of the deposit, and the pre-existing waiver within 24 hours of the final payment. | The elapsed hours are fields of the quote and are checked against the window on every call. |
| State and destination exceptions | Only with care Rental car damage is not offered in Texas, Cancel For Any Reason is not offered in New York, and some destinations are not covered at all. | The state, destination and add-ons are checked together, whatever order they were chosen in. |
| Requested cover against plan limits | Only with workarounds Each plan has a different limit for medical, evacuation, baggage and sporting equipment, and trip interruption is a share of trip cost. | The requested amounts are compared with the limits of the chosen plan on every call. |
| Stated limits and premium against computed ones | Only with workarounds The premium depends on the plan, travelers, trip cost, age, add-ons and rental days, so any change has to be recomputed. | The stated figures are fields of the quote and are compared with the computed ones on every call. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as 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. |
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.
| 1 | These plans are sold to U.S. residents only. |
| 2 | The quote has 0 travelers; one plan covers 1 to 10 travelers. |
| 3 | The quote has 11 travelers; one plan covers 1 to 10 travelers. |
| 4 | The destination is on the restricted list; trips there are not covered. |
| 5 | Medical and dental cover of 150,001 dollars is requested; this plan gives 150,000 dollars per person. |
| 6 | Emergency assistance and transportation of 250,001 dollars is requested; this plan gives 250,000 dollars per person. |
| 7 | Baggage cover of 1,001 dollars is requested; this plan gives 1,000 dollars per person. |
| 8 | Sporting equipment cover of 500 dollars is requested; this plan gives 0 dollars per person. |
| 9 | Sporting equipment cover of 1,501 dollars is requested; this plan gives 1,500 dollars per person. |
| 10 | Cancel For Any Reason is an optional upgrade to the Premium plan only. |
| 11 | Cancel For Any Reason must be bought within 24 hours of the initial deposit; this quote is 25 hours after it. |
| 12 | Cancel For Any Reason is not available to New York residents. |
| 13 | Cover for pre-existing medical conditions is available on the Premium plan only. |
| 14 | Pre-existing condition cover requires the plan to be bought before or within 24 hours of the final trip payment; this quote is 25 hours after it. |
| 15 | Pre-existing condition cover requires all prepaid trip costs subject to penalties to be insured. |
| 16 | Rental car damage cover is not available to Texas residents. |
| 17 | The rental vehicle value of 30,000 dollars is above the 25,000 dollar rental car damage cover; a person should confirm. |
| 18 | The proposal states medical and dental cover of 250,000 dollars; this plan gives 150,000 dollars per person. |
| 19 | The proposal states trip interruption cover of 4,000 dollars; this plan gives 150 percent of trip cost, which is 6,000 dollars. |
| 20 | The proposal states a premium of 1 dollars; the rates give 480 dollars. |
| 21 | The oldest traveler is 85 years old; a person should confirm eligibility for this plan. |
| 22 | The insured trip cost of 25,100 dollars per traveler is above 25,000 dollars; a person should review it. |
| 23 | The insured trip cost of 100,100 dollars per traveler is outside the 100 to 100,000 dollar range this quote accepts. |
| 24 | A trip of 91 days is longer than 90 days; a person should review it. |
| 25 | A trip of 181 days is outside the 1 to 180 day range this quote accepts. |
| 26 | Medical and dental cover of 60,000 dollars is requested; this plan gives 50,000 dollars per person. |
| 27 | Emergency assistance and transportation of 400,000 dollars is requested; this plan gives 250,000 dollars per person. |
| 28 | Baggage cover of 1,200 dollars is requested; this plan gives 1,000 dollars per person. |
| 29 | Sporting equipment cover of 800 dollars is requested; this plan gives 0 dollars per person. |
| 30 | Cancel For Any Reason must be bought within 24 hours of the initial deposit; this quote is 30 hours after it. |
| 31 | The proposal states a premium of 5 dollars; the rates give 800 dollars. |
| 32 | The oldest traveler is 88 years old; a person should confirm eligibility for this plan. |
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.
The agent's request. Please quote a Standard plan trip to the Middle East for 2 travelers from Texas, 4 days, with $2,000 of insured trip cost per traveler. The oldest traveler is 71. Cover requested: $100,000 medical and dental, $250,000 emergency assistance and transportation, $1,000 baggage and $800 sporting equipment. Add-ons: Cancel For Any Reason, bought 30 hours after the deposit; pre-existing condition cover, bought 20 hours after the final trip payment; rental car damage for 5 days on a $18,000 vehicle. The proposal states $50,000 medical and dental, $2,500 trip interruption and a premium of $1,000. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a Premium plan trip to Europe for 2 travelers from Texas, 4 days, with $2,000 of insured trip cost per traveler. The oldest traveler is 71. Cover requested: $100,000 medical and dental, $250,000 emergency assistance and transportation, $1,000 baggage and $800 sporting equipment. Add-ons: Cancel For Any Reason, bought 20 hours after the deposit; pre-existing condition cover, bought 20 hours after the final trip payment. The proposal states $250,000 medical and dental, $3,500 trip interruption and a premium of $480. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a Preferred plan trip to Canada for 4 travelers from California, 200 days, with $120,000 of insured trip cost per traveler. The oldest traveler is 45. Cover requested: $200,000 medical and dental, $600,000 emergency assistance and transportation and $2,000 baggage. The proposal states $150,000 medical and dental, $180,000 trip interruption and a premium of $28,800. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a Preferred plan trip to Canada for 4 travelers from California, 21 days, with $20,000 of insured trip cost per traveler. The oldest traveler is 45. Cover requested: $150,000 medical and dental, $500,000 emergency assistance and transportation and $1,500 baggage. The proposal states $150,000 medical and dental, $30,000 trip interruption and a premium of $4,800. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a Premium plan trip to Europe for 12 travelers from New York, 110 days, with $6,000 of insured trip cost per traveler. The oldest traveler is 86. Cover requested: $250,000 medical and dental, $1,000,000 emergency assistance and transportation, $2,000 baggage and $2,000 sporting equipment. Add-ons: Cancel For Any Reason, bought 10 hours after the deposit; rental car damage for 6 days on a $32,000 vehicle. The proposal states $250,000 medical and dental, $9,000 trip interruption and a premium of $9,360. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a Premium plan trip to Europe for 4 travelers from New York, 110 days, with $6,000 of insured trip cost per traveler. The oldest traveler is 86. Cover requested: $250,000 medical and dental, $1,000,000 emergency assistance and transportation, $2,000 baggage and $2,000 sporting equipment. Add-ons: rental car damage for 6 days on a $32,000 vehicle. The proposal states $250,000 medical and dental, $10,500 trip interruption and a premium of $2,400. It is ready to send.
Verdict: Needs approval.
The text of the narrated walkthrough, step by step.