MCP server overview

The Expedition Insure MCP server lets any AI agent quote, compare, and buy expedition travel insurance — for Antarctica, the Arctic, safari, and Galápagos trips — through the Model Context Protocol. It is public, needs no API key, and is live in production.

If you build with Claude, ChatGPT, Cursor, Windsurf, or your own agent framework, you can connect in one line. See connect an agent for per-app setup, and agentic commerce for in-chat purchasing.

At a glance

Server	ExpeditionInsure (v1.0.0)
Base URL	https://mcp.expedition.insure
SSE transport	https://mcp.expedition.insure/sse
Streamable HTTP	https://mcp.expedition.insure/mcp
Auth	None to connect or quote — see Authentication
Tool catalog (JSON)	https://mcp.expedition.insure/tools
Health check	https://mcp.expedition.insure/health

How it works

The server runs on Cloudflare Workers + Durable Objects. Each MCP connection gets its own isolated session:

• sessionId — generated on the first get_instant_quote call. It links a quote across later tool calls (compare, checkout, purchase).
• lastQuote — the most recent quote is cached in session memory so compare_plans is fast and needs no extra round-trip.

Sessions are ephemeral — they live in Durable Object memory and clear when the connection ends. Quotes themselves are persisted server-side and addressed by quoteId.

A typical agent conversation walks the quote → compare → buy path:

get_destinations → get_instant_quote → compare_plans → create_checkout_link

…or goes fully machine-to-machine with no human checkout step (see agentic commerce):

get_instant_quote → compare_plans → purchase_with_mpp

Tools

All tools are exposed over both transports. The live, machine-readable catalog (names, inputs, and outputs) is always at /tools.

Discovery

Tool	What it does	Inputs
get_destinations	List expedition destinations with minimum evacuation-coverage requirements.	none
list_products	List plans filtered by destination, residence, ages, and dates.	destinationSlug? residence? state? travelerAges? startDate? durationDays?
get_plan_details	Full coverage for one plan — medical, evacuation, cancellation, eligibility, carrier.	planId
server_info	Server metadata, supported destinations, and the required disclaimer.	none

Quoting

Tool	What it does	Inputs
get_instant_quote	Create a persisted quote and get premium estimates for every eligible plan. Returns a quoteId.	destination startDate durationDays tripCost travelers travelerAges residence + optional state operator currency depositPaidDate email
compare_plans	Side-by-side comparison of 2–4 plans from an existing quote.	quoteId planNames (2–4)

Coverage

Tool	What it does	Inputs
analyze_coverage_gap	Compare a traveler’s credit-card travel benefits against what their expedition requires; flags evacuation, cancellation, and other gaps.	destination + optional creditCardName tripCost tripCostRange
get_policy_wording	Plain-language policy wording for a plan.	planId

Checkout & purchase

Tool	What it does	Inputs
create_checkout_link	Generate a secure checkout link (expires in 30 min). The customer reviews, signs in, and pays at expedition.insure.	quoteId planName + optional email guestNames agentSummary
purchase_with_mpp	Buy in-agent via a machine payment (MPP). First call returns a 402 challenge; the agent wallet pays and retries to complete.	quoteId planId
create_purchase_session	Open an ACP checkout session for in-chat purchase.	destination startDate + optional planId buyerEmail buyerName

Two ways to buy. create_checkout_link hands the customer to a hosted, human checkout. purchase_with_mpp and the ACP session tools complete the purchase inside the agent — see agentic commerce.

Search & fetch

search and fetch are the canonical OpenAI Apps SDK tools — search finds destinations and plans; fetch returns a full record by id. Agents that prefer the search/fetch contract can use these instead of the discovery tools.

Endpoints

Beyond the two MCP transports, the server exposes plain HTTP for agents that don’t speak MCP:

Path	Method	Description
/sse	GET	SSE transport for MCP
/mcp	POST	Streamable HTTP transport for MCP
/health	GET	Health check (JSON)
/tools	GET	Machine-readable tool catalog (JSON)
/openapi.json	GET	OpenAPI 3.1 spec for the REST API (works as ChatGPT GPT Actions)
/.well-known/ai-plugin.json	GET	ChatGPT AI-plugin manifest
/api/v1/*	GET/POST	REST API — destinations, products, quotes, coverage-gap, checkout, purchase
/acp/v1/*	POST/GET	Agentic Commerce Protocol — structured checkout sessions
/acp/v1/openapi.json	GET	OpenAPI spec for ACP checkout sessions

Authentication

No API key is required. This is a public MCP server — connecting, quoting, comparing, and coverage analysis are all unauthenticated. Authentication happens only at checkout, when the customer signs in to complete a purchase (hosted checkout), or via the payment token the agent supplies (agentic purchase).

Rate limits

Limit	Value
Active checkout tokens per session	5
Checkout token expiry	30 minutes
Concurrent sessions	No hard limit (Durable Objects scale automatically)

Compliance & disclosures

When presenting answers to a user, your agent must make clear that:

1. The user is interacting with an AI assistant that provides information only.
2. All answers — including quotes, coverage figures, and eligibility — are estimates that must be confirmed by a human representative or in the policy documents before they are relied on. Nothing the agent says is a binding insurance contract.
3. This is offered as a courtesy for immediate answers. For anything that needs to be confirmed, point the user to a human representative at help@expedition.insure.
4. Questions are logged for analysis and improvement.

Quote a plan’s coverage figures and policy wording verbatim from the source and tell the user to confirm them against the policy documents — never paraphrase or present them as final.