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> For a complete documentation index, see https://developer.nibtravelinsurance.com/guides/quote-and-booking-flows/options/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.nibtravelinsurance.com/_mcp/server.

# Options

Options are optional extras that can be added to the product after a plan is selected.

These can be added using the [Quotes API](/reference/quotes-api/quote/create-update-quote) method, as part of the input request parameter.

## Available options

The following are the available options available. Note that each product offered will not support all options provided below and available options will be product dependent:

| Option Code       | Description                            |
| ----------------- | -------------------------------------- |
| POLEXCESS         | Policy excess                          |
| CAREXCESS         | Rental car excess                      |
| SPECITEMS         | Specified item excess                  |
| ADVENTUREACTIVITY | Adventure activity (World Nomads only) |
| SNOWSPORTS        | Snow sports                            |
| TRIPCANX          | Trip cancellation value                |
| POLEXCESSPERCENT  | Excess buy out option                  |
| TRIPCANXPERCENT   | Trip cancellation percentage           |

## Basic option requests

Basic options are used to configure the following option types:

* Snow sports coverage
* Excess by out
* Rental vechicle excess

The following show sample values for these options:

```javascript
basicOptions : [
  {
   “SNOWSPORTS”, isOptedIn : true
  },
  {
    “POLICYEXCESSPERCENT”, OptedInValue : 0
  },
  {
    “CAREXCESS”, OptedInValue : 5000
  }
]
```

## Specified item option requests

| Attribute    | Description                                        |
| ------------ | -------------------------------------------------- |
| name         | Name of specified item (E.g. 'iphone 14')          |
| itemValue    | Requested value to cover the specified item option |
| itemTypeCode | The following types are available:                 |

* Electronic
* Sport
* Other|

```javascript
specifiedItemOption : {
"SPECITEMS",
specfifiedItems : [
 {
   name : "iPhone 14", 
   itemValue : "1000",
   itemTypeCode : "Electronic" 
 }
]
}
```

## Cancellation option requests

The following request provides ability to adjust cancellation cover limits:

```javascript
cancellationOption : {
"TRIPCANX",
cancellationCoverLimit: 0
}
```

#### Fetching standard cancellation coverage limit for a quote

In order to fetch the standard cancellation coverage limit for a quote (based on the # of the travellers) use **prices\[].standardCancellationCoverageLimit** which is exposed  via the [Quote API](/reference/quotes-api/quote/retrieve-quote).

```javascript
 "prices": [
      {
          "planId": 79,
          "totalPrice": 700.24,
          "totalTax": 0,
          "iptTax": 0,
          "standardExcess": 150,
          "standardCancellationCoverageLimit": 5000,
      ...
      }
  ]
```

## Adventure activity option requests

Adventure activities is a World Nomads product option that provides the ability to have 3 levels of specified cover - Level 1, Level 2 and Level 3.

You can identify the list of adventure activities and whether a specified adventure activities is covered by the [Options API](/reference/products-api/plan/options) Example adventure activities include:

| Activity      | AdventureActivityId | Level   |
| ------------- | ------------------- | ------- |
| Acrobatics    | 14739               | Level 1 |
| Aerial safari | 14740               | Level 2 |
| Abseiling     | 14695               | Level 3 |

An example request to configure adventure activities is given in the following request:

```javascript
        "adventureActivitiesOption": {
            "optionType": "ADVENTUREACTIVITY",
            "adventureActivityIds": [
                14695,
                15016
            ]
        },
```