Travel insurance price monitoring per market, from public pages only

Product

Insurer, product name, single trip or annual multi-trip, the IPID URL and its version.

Quote parameters

Trip length, destination region and age band as entered: synthetic, generic, never a real person.

Premium

Price as shown, currency, and whether insurance premium tax is included.

Cover limits

Medical expenses, cancellation, baggage, personal liability, each as a number.

Excess

Per claim or per section, and whether an excess waiver is offered at a price.

Add-ons

Winter sports, cruise, gadget, business cover, each with its price.

Market and timestamp

Exit country and collection time; prices and documents change.

1. 01

   Map what is public per market

   For each insurer and market, list the sources that show prices without personal data: published price tables, example premiums, quote tools that need only trip parameters, and the product documents.

2. 02

   Define synthetic quote profiles

   Fix a small grid of trip parameters: trip length, destination region, age band, single or annual. Do not use or invent named individuals, contact details or health information.

3. 03

   Collect per market on one exit

   Use one session per insurer and profile, from the market the product is sold in.

   Public price page, trip parameters only22 linescopy

   import itertools, secrets, requestsBASE = "USERNAME_pool-arcfast_country-de".split("_country-")[0]def proxy(country: str) -> dict:    user = f"{BASE}_country-{country}_session-{secrets.token_hex(4)}_sesstime-5"    url = f"http://{user}:PASSWORD@proxy.arcproxies.io:8000"    return {"http": url, "https": url}# Generic parameters only: no names, emails, dates of birth or medical answers.GRID = {    "trip": ["single-7", "single-14", "annual"],    "region": ["europe", "worldwide-excl-us", "worldwide"],    "age_band": ["18-34", "35-64", "65-74"],}def collect(price_page: str, market: str):    for trip, region, age in itertools.product(*GRID.values()):        with requests.Session() as s:            s.proxies = proxy(market)            r = s.get(price_page, params={"trip": trip, "region": region, "age_band": age}, timeout=30)            yield {"market": market, "trip": trip, "region": region, "age_band": age, "status": r.status_code, "body": r.text}

4. 04

   Attach cover and documents

   Link each price row to the product's cover limits, excess and current IPID. Re-download documents when their version changes, and diff them.

5. 05

   Compare like for like

   Compare premiums only within matching cover bands, and report tax-inclusive figures per market. A comparison table without cover columns invites the wrong conclusion.

http://USERNAME_pool-arcfast_country-gb_session-k3f9a1x2_sesstime-5:PASSWORD@proxy.arcproxies.io:8000

Prices are list prices in EUR, excl. VAT. Volume discounts apply automatically at checkout — full ladder on the pricing page.