Rescue journey
Parametric delay trigger
Not the airline's next free seat, and not a refund weeks later. Live flight data triggers the rescue card, with no claim to make.
The Arvo platform
Arvo is the platform underwriters use to distribute and administer the Flight Delay Pass and Hotel Night Pass through travel platforms, travel agents and insurance agents. If a policyholder's flight is disrupted in the 24 hours before it departs, they automatically get a pre-loaded virtual rescue card to buy a new flight or a hotel room.
| Time | Pass | Event | Flight | Status |
|---|---|---|---|---|
| 07:41 | Flight Delay | Late 3h 50m | QF 81 | DELAYED |
| 07:41 | Flight Delay | Flight rescue card | QF 81 | SENT |
| 07:52 | Flight Delay | New flight bought | SQ 242 | SETTLED |
| 18:05 | Hotel Night | Connection missed | QF 5 | MISSED |
| 18:06 | Hotel Night | Night rescue card | QF 5 | SENT |
Products
Both are parametric policies dynamically priced on the disruption risk of the flights in the customer's itinerary. Flight data triggers an automatic claim, or the policyholder can self-report a disruption. The payout is a rescue card that can be used once on any travel or hotel site.
By the time I get my re‑accommodation, I will miss the meeting
By the time I arrive, I will lose the hotel booking
Distribution partners
Each partner integrates with Arvo’s APIs to distribute the Flight Delay Pass and Hotel Night Pass, with the underwriter’s branding, terms, and limits. See how each one sells it.
Wanderly · Step 3 of 4 · Extras
Add a Flight Delay Pass
Delayed 3+ hours or cancelled? A pre-loaded rescue card within minutes, to rebook here.
The pass is a policy issued by the Underwriter, paid to it separately
In the site’s checkout, on its booking confirmation page, or in its booking confirmation email.
At the agent’s desk, a portal powered by Arvo.
On the hotel’s confirmation page and email, with the Hotel Night Pass for the night a late flight takes away.
On comparison sites where travellers shop for insurance, with their own Flight Delay Pass page beside the travel cover they already list.
Economics
Claims come first. After the payment gateway, what’s left is shared by Arvo, the partner and the underwriter.
Pricing
Each flight’s chance of disruption and what a new seat costs. It learns from live fares and real rescue cards, guarded so no buyer or partner can steer it.
The same for every trip, or a platform’s own in its agreement with the underwriter. The rest of the fee is expected claims.
The delay that pays out in each country, the most per rescue card, the booking size, and exposure per flight, airport and airline.
Checkout
Every pass is bought on a checkout Arvo hosts in the underwriter’s brand. The card payment runs on the underwriter’s own payment gateway, so each pass fee goes straight into its account.
Flight Delay Pass · Your policy
I have read the key facts and the policy terms3
Issued by Harbour Mutual under its own licence · Powered by Arvo
Rescue journey
Not the airline's next free seat, and not a refund weeks later. Live flight data triggers the rescue card, with no claim to make.
Underwriter dashboard
The underwriter’s book, claims, limits, partners, money and monthly pack in one place. Each of the underwriter personnel signs in with their own role.
| Partner | Passes sold | Fees | Loss ratio, Sept flights |
|---|---|---|---|
| Wayline | 7,900 | $296K | 50.8% |
| Wanderly | 5,300 | $199K | 52.3% |
| Sunways Travel | 3,200 | $120K | 49.6% |
Example figures, not forecasts. Each partner sees only its own customers.
On the 1st: Arvo's fee, each partner's settlement, tax by country, the bordereaux and the complaints count. Nothing is invoiced by hand.
Already underwriting on Arvo? Sign in to the underwriter dashboard.
Service dashboard
Arvo answers the first line. Disputed claims, complaints and privacy stay with the underwriter: customer service, its DPO and its grievance officer, each with their own role.
| Customer | About | Answered by |
|---|---|---|
| P-7Q2C | Using the rescue card | Arvo |
| P-4M8D | Charge disputed | You |
| P-9K1T | Delete my data | Your DPO |
Example figures, not forecasts.
Emails to its help and privacy addresses land here, matched to the customer and their passes.
Find a customer by any reference. See their passes, claims and rescue cards, and refund within cooling-off.
Every complaint, from any channel, timed against its deadlines. Export it for the regulator.
Records
From sale to bordereau close, kept in the cloud region for the customer’s country. It’s locked, so nobody can change it or delete it early, Arvo included.
Every money entry is sealed into a hash chain. Each day’s last hash goes to a write-once store and appears on the underwriter’s monthly report.
Personal details leave the live platform once the bordereau closes, at least 180 days after the pass ends. Data requests are answered from the archive.
When a pass ended with no claim, a later dispute gets an automatic answer: the terms, the consents and each flight’s actual takeoff.
Platform
The policy terms are between the traveller and the underwriter, and three more agreements connect the underwriter, Arvo and each partner. The underwriter pays Arvo and the partner from the premiums collected in its account.
Arvo runs the product as the underwriter's outsourced provider. It sets the platform fee, service levels, audit rights, data processing and exit.
The API, the offer on the partner's site, and support. Technology only: no insurance money changes hands.
One standard form appoints each partner to offer the underwriter's policy, with its profit share. Partners from an intermediary are covered by the underwriter's agreement with it.
The pass the traveller buys from the partner is the underwriter’s policy, on its terms for the traveller’s country. Claims and the rescue card come from the underwriter.
See it as a traveller does
Build a trip with real flights and fares, and we email you a demo quote. Buy it with a test card, then try a delay and watch the rescue card arrive. No real money moves.