BerkelyCare is unique in that our exclusive focus is on customized, private-label travel protection plans. Our business model is built on the premise that, just as one travel product cannot meet the needs of every traveler, one insurance product cannot meet the goals of our diverse client base. Consequently, we design and administer each program individually, beginning with client-specific toll-free help lines and dedicated account representatives and claims staff who understand the commonalities as well as differences between each client's goals, objectives, operations, travel products, insurance benefits, pricing models, etc.

It is important to note that, because we do not market a generic, Berkely-branded travel insurance product, our focus remains exclusively on serving our customers (you and your guests) through tailored plans sponsored by individual partners. There is no confusion as to which plan was purchased, how claims are to be adjudicated, etc. Our staff specifically differentiates between plans, representing each program clearly and effectively. Ultimately, this results in increased participation, as we are able to respond to questions and/or close sales when prospective customers and/or travel agents call and experience first-hand our level of service.

In addition, and equally important, no sponsored program that we administer subsidizes the underwriting results of any other custom program nor of a competing, generic insurance product.

Innovators in plan design and services, BerkelyCare has introduced a variety of financial models within the industry, each suited to our clients' unique organizational structures and business objectives. We believe that our focus on these three core travel protection program components - service, pricing and financial terms - ensures that you and your guests realize the greatest long-term satisfaction with our partnership.

In evaluating the customization of each plan, we take a market-based approach to product design and development, which entails a thorough review of the financial equation, ensuring consistency with your brand positioning, and maintaining alignment with your organizational goals and objectives. With the application of predictive modeling techniques, made possible with our comprehensive database (capturing current and historical pricing, participation and claims data), we are able to maximize program value for our clients and their guests. Working with our depth of data, we:

• Propose appropriate benefits and limits for new programs based on the potential impact to participation and earnings;
  
• Conduct competitive pricing reviews and identify break-even points, ensuring that our clients continue to maximize the number of guests that purchase the travel protection plan without crossing the pricing barrier (which could generate diminishing returns);
  
• Evaluate whether contemplated pricing and/or benefit changes are structured to maximize your profits; and,
  
• Conduct periodic underwriting analyses to maintain the program's financial stability and revenue potential.