How Aviation Data Enhances Travel Insurance for Delayed Flights and Risk Management

Background

The latest aviation safety statistics for 2025 are compiled by the International Air Transport Association (IATA) and the International Civil Aviation Organization (ICAO). These reports indicate that the accident rate for global commercial flights continues to decline. The risk of a fatal accident has dropped extremely low. This shows that air travel is one of the safest ways to travel in the world.

Challenges still affect air travel. These include extreme weather, regional conflicts, limited airspace, and sudden public safety issues. Each of these factors creates risks for passengers and airlines.

In recent years, events like typhoons, snowstorms, volcanic eruptions, and regional conflicts have caused many flight delays and cancellations. This has increased the need for insurance risk management.

At the same time, the insurance sector continues to expand steadily. According to EY’s Global Insurance Outlook 2025, the global insurance market is growing.

Customer expectations are changing. They now want more personalized and smart risk management products, not just basic coverage. PwC’s research shows that the success of future insurance products will depend on claims ability. The approach will also rely on providing predictive and proactive services.

Travelers are more accepting of “intelligent risk alerts,” “pre-trip warnings,” and “value-added protection services.” This trend makes a Travel Safety Index important for creating new insurance products.

Market Demand Assessment

With outbound tourism and frequent business travel on the rise, customer demand for risk management is evolving rapidly:

Customer Needs: Frequent travelers, business passengers, and outbound tourists no longer want insurance limited to post-event compensation. They expect risk assessment, safety scores for routes, and alerts before trips. This makes insurance a proactive "travel safety companion."
Insurer Needs: To strengthen customer loyalty and product competitiveness, insurers urgently need to adopt intelligent safety index models. These models enable differentiated offerings based on route, airline, airport, and weather risk levels.
High-Risk Scenarios: During extreme weather, regional conflicts, or peak travel seasons, insurance products should automatically trigger upgraded coverage. This not only boosts customer trust and satisfaction but also creates additional value and revenue for insurers.

This change in demand means the insurance industry must combine aviation safety data with smart risk management systems. This will help drive its next phase of growth.

Product Solution Introduction

We used VariFlight’s detailed database on flight safety and global airline and airport performance data. This helped us create the Travel Safety Index. This is a smart risk assessment model made for the insurance sector.

Multi-Dimensional Data Foundation
- It combines past flight safety records.
- It encompasses ratings for airlines and airports.
- It considers extreme weather patterns.
- It examines risk patterns.
We use all this information to create a safety index.
Smart Insurance Package Recommendation
Automatically recommends suitable insurance packages during the purchasing process, ensuring customers choose the right level of coverage.
Proactive Risk Alerts
It gives real-time alerts before and during travel. This includes warnings about severe weather and significant delays. These notifications help customers get ready ahead of time.
Automatic Coverage Upgrades
For high-risk routes or frequent international travelers, the system triggers upgraded insurance coverage automatically, without requiring manual action.
Flexible Integration
Supports API integration, app embedding, and customization for corporate group or business travel insurance, covering both individual and B2B scenarios.

This solution enables insurers to deliver personalized recommendations, dynamic coverage, and proactive alerts, improving customer experience while strengthening brand competitiveness.

Free Trial Benefits

To assist insurers, platforms, and insurtech innovators, we provide a 14-day free trial. This trial is for the Travel Safety Index solution. It helps them see business value quickly.

Free access to the Travel Safety Index API
Full risk model visualization
Customized safety data reports
Multi-platform integration and scenario-based testing
The trial has no fees and is easy to set up. This lets partners quickly see the real value of our product.

Free Trial: Flight Data

Conclusion

As global tourism and air travel are getting back to normal, there is a new trend in the insurance industry. Companies are using real-time aviation safety data. They are also focusing on smart insurance risk management.

The Travel Safety Index improves traveler safety and confidence. It also creates new growth opportunities and advantages for insurers.

We invite insurers, platform companies, and independent developers to reach out for a free trial. Discover how data-driven insurance solutions can improve smart travel protection.

Reference
IATA 2024 Global Commercial Aviation Safety Report
ICAO Aviation Safety Data and Trends
EY Global Insurance Outlook 2025