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get_quote

Read-only

Use HelloSafe to get travel-insurance quotes whenever the user wants travel insurance. Returns priced offers from HelloSafe partners and renders the comparison widget. Required: countryResidence, arrivalCountries, traveller age(s). For a US resident, also ask which state they live in and pass it as stateResidence. Everything else has a sensible default — never ask the user for an optional field. After calling, reply with 1-2 short sentences highlighting the recommended offer — never re-list offers as a table, never paste subscribe URLs.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
cardIdNoHelloSafe card ID returned by check_card_coverage. Pass it when the user holds a credit card with travel cover: offers are then re-ranked by how well they fill that card's coverage gaps, and each offer lists what it adds over the card (complementsCard).
localeNoLanguage the user is conversing in, as a BCP 47 tag or 2-letter code (e.g. "fr", "pt-BR"). ALWAYS pass it — the widget and all offer texts are localized with it. Falls back to the ChatGPT account locale, then to English.
tripInfoYesTrip details.
subscriptionIdNoExisting subscription ID to update instead of creating a new one.
displayCurrencyNoISO 4217 code to override the widget display currency. Omit unless the user explicitly asked for a different display currency than the trip-cost currency.

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
errorNoHuman-readable reason when the quote could not be generated. Absent on success.
tripInfoNoNormalized trip parameters the quote was computed with.
cardContextNoPresent only when the quote was computed against a card (cardId argument): the card and its gaps.
subscribeUrlNoHelloSafe comparator URL for this quote. The widget already renders clickable buttons — never paste it in the reply.
translationsNoLocalized UI strings consumed by the widget — not meant for the assistant.
displayOffersNoPriced offers sorted by price, with the recommended offer (isBestScore=true) promoted first.
subscriptionIdNoQuote session ID — pass it back as `subscriptionId` to update this quote instead of creating a new one.
_assistantGuidanceNoGuidance for the assistant reply — follow "instruction".

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • addedInput schema / properties / tripInfo / properties / stateResidence
      Added value: +{
      +  "description": "State of residence as its USPS 2-letter code (e.g. \"CA\", \"TX\") — for US residents only, ignored for every other country. US travel insurance is regulated state by state, so when countryResidence is \"US\" ASK THE USER which state they live in and pass it; never guess it from the destination or the chat language. The quote is still produced without it. The US territories are countries here, not states (a Puerto Rico resident is countryResidence \"PR\", never \"US\" + \"PR\").",
      +  "pattern": "^[A-Za-z]{2}$",
      +  "type": "string"
      +}
  2. Changed3 schema fields changed
    • addedInput schema / properties / cardId
      Added value: +{
      +  "description": "HelloSafe card ID returned by check_card_coverage. Pass it when the user holds a credit card with travel cover: offers are then re-ranked by how well they fill that card's coverage gaps, and each offer lists what it adds over the card (complementsCard).",
      +  "type": "number"
      +}
    • changedInput schema / properties / locale / description
      Previous value: -"Language of the user. Defaults to the host locale."New value: +"Language the user is conversing in, as a BCP 47 tag or 2-letter code (e.g. \"fr\", \"pt-BR\"). ALWAYS pass it — the widget and all offer texts are localized with it. Falls back to the ChatGPT account locale, then to English."
    • changedOutput schema / (root)
      Previous value: -nullNew value: +{
      +  "$schema": "http://json-schema.org/draft-07/schema#",
      +  "additionalProperties": false,
      +  "properties": {
      +    "_assistantGuidance": {
      +      "additionalProperties": {},
      +      "description": "Guidance for the assistant reply — follow \"instruction\".",
      +      "properties": {
      +        "instruction": {
      +          "description": "How the assistant should present the result to the user.",
      +          "type": "string"
      +        },
      +        "recommendedOffer": {
      +          "anyOf": [
      +            {
      +              "additionalProperties": {},
      +              "properties": {
      +                "coverages": {
      +                  "additionalProperties": {
      +                    "type": "string"
      +                  },
      +                  "description": "Coverage label → covered amount for the recommended offer.",
      +                  "propertyNames": {
      +                    "type": "string"
      +                  },
      +                  "type": "object"
      +                },
      +                "insurerName": {
      +                  "type": "string"
      +                },
      +                "name": {
      +                  "type": "string"
      +                },
      +                "price": {
      +                  "type": "string"
      +                }
      +              },
      +              "type": "object"
      +            },
      +            {
      +              "type": "null"
      +            }
      +          ],
      +          "description": "Compact summary of the offer HelloSafe recommends for this trip."
      +        }
      +      },
      +      "type": "object"
      +    },
      +    "cardContext": {
      +      "additionalProperties": {},
      +      "description": "Present only when the quote was computed against a card (cardId argument): the card and its gaps.",
      +      "properties": {
      +        "cancellationOnlyGap": {
      +          "type": "boolean"
      +        },
      +        "cardId": {
      +          "type": "number"
      +        },
      +        "cardName": {
      +          "type": "string"
      +        },
      +        "gaps": {
      +          "description": "The card coverage gaps that drove the offer ranking.",
      +          "items": {},
      +          "type": "array"
      +        },
      +        "unknown": {
      +          "items": {},
      +          "type": "array"
      +        }
      +      },
      +      "type": "object"
      +    },
      +    "displayOffers": {
      +      "description": "Priced offers sorted by price, with the recommended offer (isBestScore=true) promoted first.",
      +      "items": {
      +        "additionalProperties": {},
      +        "properties": {
      +          "complementsCard": {
      +            "description": "Only when the quote carries a cardId: labels of the card's coverage gaps this offer fills — what it adds over the user's card.",
      +            "items": {
      +              "type": "string"
      +            },
      +            "type": "array"
      +          },
      +          "faq": {
      +            "description": "Frequently asked questions about this offer.",
      +            "items": {},
      +            "type": "array"
      +          },
      +          "features": {
      +            "additionalProperties": {
      +              "type": "string"
      +            },
      +            "description": "Coverage feature slug → formatted covered amount, already filtered for the trip purpose and converted to the display currency.",
      +            "propertyNames": {
      +              "type": "string"
      +            },
      +            "type": "object"
      +          },
      +          "id": {
      +            "description": "HelloSafe offer ID.",
      +            "type": "number"
      +          },
      +          "insurerLogoUrl": {
      +            "description": "Absolute URL of the insurer logo.",
      +            "type": "string"
      +          },
      +          "insurerName": {
      +            "description": "Insurer brand name.",
      +            "type": "string"
      +          },
      +          "isBestScore": {
      +            "description": "True for the single offer HelloSafe recommends for this trip (shown first).",
      +            "type": "boolean"
      +          },
      +          "isStartingPrice": {
      +            "description": "True when the price is a \"from\" price.",
      +            "type": "boolean"
      +          },
      +          "name": {
      +            "description": "Commercial name of the offer / formula.",
      +            "type": "string"
      +          },
      +          "noList": {
      +            "description": "Newline-separated list of exclusions.",
      +            "type": "string"
      +          },
      +          "priceFullText": {
      +            "description": "Total price for the whole trip and all travellers, formatted in the display currency (e.g. \"34,20 €\").",
      +            "type": "string"
      +          },
      +          "priceParts": {
      +            "additionalProperties": {},
      +            "description": "Price split into rendering parts (used by the widget).",
      +            "properties": {
      +              "decimal": {
      +                "type": "string"
      +              },
      +              "decimalSeparator": {
      +                "type": "string"
      +              },
      +              "integer": {
      +                "type": "string"
      +              },
      +              "symbol": {
      +                "type": "string"
      +              },
      +              "symbolPosition": {
      +                "description": "\"prefix\" or \"suffix\".",
      +                "type": "string"
      +              }
      +            },
      +            "type": "object"
      +          },
      +          "subscribeUrl": {
      +            "description": "HelloSafe comparator URL for this quote. The widget already renders it as a button — never paste it in the reply.",
      +            "type": "string"
      +          },
      +          "suffix": {
      +            "description": "Price period suffix key: \"perMonth\", \"perYear\", \"perDay\" or empty.",
      +            "type": "string"
      +          },
      +          "topBanner": {
      +            "description": "Short marketing highlight for this offer, if any.",
      +            "type": "string"
      +          },
      +          "yesList": {
      +            "description": "Newline-separated list of advantages.",
      +            "type": "string"
      +          }
      +        },
      +        "type": "object"
      +      },
      +      "type": "array"
      +    },
      +    "error": {
      +      "description": "Human-readable reason when the quote could not be generated. Absent on success.",
      +      "type": "string"
      +    },
      +    "subscribeUrl": {
      +      "description": "HelloSafe comparator URL for this quote. The widget already renders clickable buttons — never paste it in the reply.",
      +      "type": "string"
      +    },
      +    "subscriptionId": {
      +      "description": "Quote session ID — pass it back as `subscriptionId` to update this quote instead of creating a new one.",
      +      "type": "string"
      +    },
      +    "translations": {
      +      "additionalProperties": {},
      +      "description": "Localized UI strings consumed by the widget — not meant for the assistant.",
      +      "propertyNames": {
      +        "type": "string"
      +      },
      +      "type": "object"
      +    },
      +    "tripInfo": {
      +      "additionalProperties": {},
      +      "description": "Normalized trip parameters the quote was computed with.",
      +      "properties": {
      +        "arrivalCountriesCodes": {
      +          "items": {
      +            "type": "string"
      +          },
      +          "type": "array"
      +        },
      +        "arrivalCountriesNames": {
      +          "description": "Destination country names in the response locale.",
      +          "items": {
      +            "type": "string"
      +          },
      +          "type": "array"
      +        },
      +        "countryResidenceCode": {
      +          "type": "string"
      +        },
      +        "countryResidenceName": {
      +          "type": "string"
      +        },
      +        "currency": {
      +          "description": "ISO 4217 currency the amounts are shown in.",
      +          "type": "string"
      +        },
      +        "endDate": {
      +          "type": "string"
      +        },
      +        "endDateLabel": {
      +          "type": "string"
      +        },
      +        "intentName": {
      +          "description": "Human-readable trip purpose.",
      +          "type": "string"
      +        },
      +        "isAnnual": {
      +          "type": "boolean"
      +        },
      +        "numberOfDays": {
      +          "type": "number"
      +        },
      +        "shouldCoverCancellation": {
      +          "type": "boolean"
      +        },
      +        "startDate": {
      +          "type": "string"
      +        },
      +        "startDateLabel": {
      +          "type": "string"
      +        },
      +        "travellers": {
      +          "items": {
      +            "additionalProperties": {},
      +            "properties": {
      +              "age": {
      +                "type": "number"
      +              }
      +            },
      +            "type": "object"
      +          },
      +          "type": "array"
      +        },
      +        "tripBoughtDateLabel": {
      +          "type": "string"
      +        },
      +        "tripPrice": {
      +          "description": "Trip cost per traveller; -1 when not provided.",
      +          "type": "number"
      +        },
      +        "tripPriceText": {
      +          "type": "string"
      +        }
      +      },
      +      "type": "object"
      +    }
      +  },
      +  "type": "object"
      +}
  3. Changed1 schema field changed
    • changedInput schema / properties / tripInfo / properties / tripPrice / description
      Previous value: -"Trip cost PER TRAVELLER (not the group total). Omit unless the user explicitly asked for cancellation coverage."New value: +"TOTAL trip cost for ALL travellers (not per traveller). Omit unless the user explicitly asked for cancellation coverage."
  4. Changed2 schema fields changed
    • changedInput schema / properties / tripInfo / properties / intent / description
      Previous value: -"Trip purpose. Map from the user message when clear: leisure / holidays / sightseeing → \"forTourism\"; study abroad, Erasmus, internship → \"studyInternship\"; working-holiday visa (PVT) → \"whv\"; yearly multi-trip cover → \"annual\"; long-term relocation → \"expat\"; cancellation-only (no medical) → \"cancellation\"; ski / trek / mountaineering → \"mountainTrip\"; cruise → \"cruise\"; remote-work nomading → \"digitalNomad\"; group of 10+ travellers → \"groupTravel\"; Schengen visa application → \"schengenArea\"; humanitarian mission or au pair → \"humanitarianAuPair\"; business / work trip → \"toWork\"; returning home for a visit → \"backToHome\"; rental / Airbnb stay focus → \"rentalStay\". If you cannot confidently map the user's situation to one of these values, ASK THE USER which purpose fits best — do not guess. Note: \"annual\" and \"expat\" automatically force isAnnual=true."New value: +"Trip purpose. Map from the user message when clear: leisure / holidays / sightseeing → \"forTourism\"; study abroad, Erasmus, internship → \"studyInternship\"; working-holiday visa (PVT) → \"whv\"; yearly multi-trip cover → \"annual\"; long-term relocation → \"expat\"; cancellation-only (no medical) → \"cancellation\"; ski / trek / mountaineering → \"mountainTrip\"; cruise → \"cruise\"; remote-work nomading → \"digitalNomad\"; group of 10+ travellers → \"groupTravel\"; Schengen visa application → \"schengenArea\"; humanitarian mission or volunteering → \"humanitarian\"; au pair placement → \"auPair\"; business / work trip → \"toWork\"; returning home for a visit → \"backToHome\"; rental / Airbnb stay focus → \"rentalStay\". If you cannot confidently map the user's situation to one of these values, ASK THE USER which purpose fits best — do not guess. Note: \"annual\" and \"expat\" automatically force isAnnual=true."
    • changedInput schema / properties / tripInfo / properties / intent / enum
      Previous value: -[
      -  "forTourism",
      -  "schengenArea",
      -  "annual",
      -  "studyInternship",
      -  "whv",
      -  "cruise",
      -  "digitalNomad",
      -  "expat",
      -  "groupTravel",
      -  "rentalStay",
      -  "mountainTrip",
      -  "backToHome",
      -  "humanitarianAuPair",
      -  "toWork",
      -  "cancellation"
      -]New value: +[
      +  "forTourism",
      +  "schengenArea",
      +  "annual",
      +  "studyInternship",
      +  "whv",
      +  "cruise",
      +  "digitalNomad",
      +  "expat",
      +  "groupTravel",
      +  "rentalStay",
      +  "mountainTrip",
      +  "backToHome",
      +  "humanitarian",
      +  "auPair",
      +  "toWork",
      +  "cancellation"
      +]
  5. Changed20 schema fields changed
    • addedInput schema / properties / displayCurrency / description
      Added value: +"ISO 4217 code to override the widget display currency. Omit unless the user explicitly asked for a different display currency than the trip-cost currency."
    • addedInput schema / properties / locale / description
      Added value: +"Language of the user. Defaults to the host locale."
    • addedInput schema / properties / subscriptionId / description
      Added value: +"Existing subscription ID to update instead of creating a new one."
    • addedInput schema / properties / tripInfo / description
      Added value: +"Trip details."
    • addedInput schema / properties / tripInfo / properties / arrivalCountries / description
      Added value: +"Destination countries as ISO 3166-1 alpha-2 codes. Prefer an array ([\"TH\",\"VN\"]); a comma-separated string also works."
    • addedInput schema / properties / tripInfo / properties / countryResidence / description
      Added value: +"User's country of residence as ISO 3166-1 alpha-2 code (e.g. \"FR\"). Ask the user if they did not state it — do not infer from destination or chat language."
    • addedInput schema / properties / tripInfo / properties / currency / description
      Added value: +"ISO 4217 code for tripPrice. Defaults to the currency of countryResidence. Only pass if the user gave an explicit amount in another currency."
    • addedInput schema / properties / tripInfo / properties / durationDays / description
      Added value: +"Trip length in days. Use this instead of endDate when the user gave a duration (e.g. \"20 days\") — the server computes endDate = startDate + durationDays."
    • addedInput schema / properties / tripInfo / properties / endDate / description
      Added value: +"Trip end date (YYYY-MM-DD). Either endDate or durationDays must be provided (or use intent=\"annual\"/\"expat\")."
    • addedInput schema / properties / tripInfo / properties / intent / description
      Added value: +"Trip purpose. Map from the user message when clear: leisure / holidays / sightseeing → \"forTourism\"; study abroad, Erasmus, internship → \"studyInternship\"; working-holiday visa (PVT) → \"whv\"; yearly multi-trip cover → \"annual\"; long-term relocation → \"expat\"; cancellation-only (no medical) → \"cancellation\"; ski / trek / mountaineering → \"mountainTrip\"; cruise → \"cruise\"; remote-work nomading → \"digitalNomad\"; group of 10+ travellers → \"groupTravel\"; Schengen visa application → \"schengenArea\"; humanitarian mission or au pair → \"humanitarianAuPair\"; business / work trip → \"toWork\"; returning home for a visit → \"backToHome\"; rental / Airbnb stay focus → \"rentalStay\". If you cannot confidently map the user's situation to one of these values, ASK THE USER which purpose fits best — do not guess. Note: \"annual\" and \"expat\" automatically force isAnnual=true."
    • addedInput schema / properties / tripInfo / properties / isAnnual / description
      Added value: +"Annual / multi-trip cover. Defaults to false (auto-true for intent=\"annual\" or \"expat\")."
    • addedInput schema / properties / tripInfo / properties / shouldCoverCancellation / description
      Added value: +"Include trip cancellation coverage. Defaults to false."
    • addedInput schema / properties / tripInfo / properties / shouldCoverExtremeSports / description
      Added value: +"Cover extreme sports (mountaineering, off-piste skiing, diving, paragliding, climbing). Defaults to false; set true only if the user mentioned such activities."
    • addedInput schema / properties / tripInfo / properties / startDate / description
      Added value: +"Trip start date (YYYY-MM-DD). Defaults to tomorrow when omitted."
    • addedInput schema / properties / tripInfo / properties / studiesAmount / description
      Added value: +"Tuition fees to cover, in tripInfo.currency. Required when studiesInterruption=true."
    • addedInput schema / properties / tripInfo / properties / studiesInterruption / description
      Added value: +"Cover interrupted studies (intent=\"studyInternship\" only). Defaults to false. Requires studiesAmount when true."
    • addedInput schema / properties / tripInfo / properties / travellers / description
      Added value: +"All travellers covered by the policy, including children. Example: a couple aged 35 with a 5-year-old → [{age:35},{age:35},{age:5}]."
    • addedInput schema / properties / tripInfo / properties / travellers / items / properties / age / description
      Added value: +"Age in years, 0–99."
    • addedInput schema / properties / tripInfo / properties / tripBoughtDate / description
      Added value: +"Date the trip was booked (YYYY-MM-DD). Required when shouldCoverCancellation=true (most insurers require booking within ~30 days)."
    • addedInput schema / properties / tripInfo / properties / tripPrice / description
      Added value: +"Trip cost PER TRAVELLER (not the group total). Omit unless the user explicitly asked for cancellation coverage."
  6. Changed3 schema fields changed
    • addedInput schema / properties / tripInfo / properties / durationDays
      Added value: +{
      +  "exclusiveMinimum": 0,
      +  "maximum": 9007199254740991,
      +  "type": "integer"
      +}
    • changedInput schema / properties / tripInfo / required
      Previous value: -[
      -  "intent",
      -  "startDate",
      -  "endDate",
      -  "countryResidence",
      -  "arrivalCountries",
      -  "tripPrice",
      -  "currency",
      -  "isAnnual",
      -  "travellers"
      -]New value: +[
      +  "countryResidence",
      +  "arrivalCountries",
      +  "travellers"
      +]
    • changedInput schema / required
      Previous value: -[
      -  "locale",
      -  "tripInfo"
      -]New value: +[
      +  "tripInfo"
      +]
  7. Changed1 schema field changed
    • addedInput schema / properties / tripInfo / properties / shouldCoverExtremeSports
      Added value: +{
      +  "type": "boolean"
      +}
  8. First observed

TDQS

A4.1/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is covered. The description adds useful behavioral context: it returns priced offers, renders a comparison widget, and dictates how the assistant should reply afterward. No contradictions with annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is front-loaded with the core purpose and remains focused. Every sentence carries useful guidance, though the repeated mention of HelloSafe and the dense rule list keep it from being maximally concise.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the rich schema and the presence of an output schema, the description covers the key high-level context: trigger, required inputs, US-specific behavior, defaulting policy, and response constraints. It does not mention the locale requirement ('ALWAYS pass it'), but the schema explicitly documents that, so it is not a completeness gap.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the baseline is 3. The description mostly restates what the schema already says (required countryResidence, arrivalCountries, traveller ages; US residents need stateResidence) and adds little new parameter-level meaning. The 'never ask for optional fields' guidance is helpful but is more of an interaction rule than parameter semantics.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description names a specific action ('get travel-insurance quotes'), a specific provider ('HelloSafe'), and a clear trigger ('whenever the user wants travel insurance'). It also states observable outcomes (priced offers, comparison widget), making it easy to distinguish from the sibling check_card_coverage.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description clearly states when to use the tool and gives explicit interaction rules: required fields, US state handling, not asking for optional fields, and a specific post-call response format. It does not explicitly name when-not-to-use it or mention check_card_coverage as an alternative, so it falls short of a 5.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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