Travel insurance should not be selected from a headline benefit alone; scope, conditions, exclusions and support procedures matter.
A service considered within the whole journey
Moterra records the needs of the journey and helps connect travellers with product information from a suitable provider. The insurer’s certificate, policy wording and official terms always determine cover, not promotional website copy.
How Moterra supports your request
Record the journey profile
Destinations, duration, ages, activities and connections are summarised to identify the relevant questions.
Compare the actual scope
Benefits, excesses, limits, exclusions and disclosure requirements are considered alongside price.
Identify the binding documents
Provider, certificate number, period and applicable policy wording must appear in the official record.
Explain where to seek help
Emergency and claims channels come from the insurer; Moterra does not approve or reject a claim.
From an initial request to a confirmed arrangement
- 01 · Understand the context
We review your request, clarify missing details and identify what must be checked before recommending an option. - 02 · Verify live feasibility
Timing, routing, operating capacity and relevant conditions are checked with suitable partners. - 03 · Present a clear proposal
You receive the service scope, price, conditions and open decisions before making a commitment. - 04 · Keep one operational record
Confirmed information is retained so every team involved works from the same details throughout the journey.
Information worth preparing
- Destinations, dates and total journey duration
- Traveller count, ages and residence where required by the product
- Planned activities, particularly physical or specialist activities
- Questions around medical events, cancellation, luggage or connections
What will be confirmed in writing
- Provider, product and insured persons
- Period, geographical scope and principal benefits
- Premium, excess, limits and important exclusions
- Certificate, policy wording and assistance/claims channel
Moterra does not provide medical advice or decide insurance benefits. Read the full product documents and answer the provider’s health or special-circumstance questions accurately.
Frequently asked questions
Is insurance automatically included with every tour?
No. Cover exists only when the proposal or confirmation identifies the product, insured people, period and related certificate.
Are adventure activities covered?
It depends on the product definitions and terms. State the planned activity explicitly rather than relying on a broad benefit name.
Who decides a claim?
The insurer assesses it against the certificate, policy wording and evidence. Moterra may share the stated assistance information but cannot decide the outcome.