diff --git a/migrations/Version20260324120000.php b/migrations/Version20260324120000.php
new file mode 100644
index 0000000..79b0b43
--- /dev/null
+++ b/migrations/Version20260324120000.php
@@ -0,0 +1,30 @@
+<?php
+
+declare(strict_types=1);
+
+namespace DoctrineMigrations;
+
+use Doctrine\DBAL\Schema\Schema;
+use Doctrine\Migrations\AbstractMigration;
+
+/**
+ * Changes travel_snapshot.payload from TEXT to LONGTEXT so large
+ * plain JSON snapshot payloads can be stored safely.
+ */
+final class Version20260324120000 extends AbstractMigration
+{
+    public function getDescription(): string
+    {
+        return 'Change travel_snapshot.payload from TEXT to LONGTEXT for plain JSON snapshot payloads';
+    }
+
+    public function up(Schema $schema): void
+    {
+        $this->addSql('ALTER TABLE travel_snapshot CHANGE payload payload LONGTEXT NOT NULL');
+    }
+
+    public function down(Schema $schema): void
+    {
+        $this->addSql('ALTER TABLE travel_snapshot CHANGE payload payload TEXT NOT NULL');
+    }
+}
diff --git a/src/BusProNet/Model/CrmSelection.php b/src/BusProNet/Model/CrmSelection.php
index df0729e..888f9b6 100644
--- a/src/BusProNet/Model/CrmSelection.php
+++ b/src/BusProNet/Model/CrmSelection.php
@@ -15,15 +15,15 @@ use Symfony\Component\Serializer\Attribute\Groups;
  */
 class CrmSelection
 {
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?string $label = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $mutable = false;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $selected = false;
 }
diff --git a/src/BusProNet/Model/CrmSelectionGroup.php b/src/BusProNet/Model/CrmSelectionGroup.php
index ab5e9ca..7627296 100644
--- a/src/BusProNet/Model/CrmSelectionGroup.php
+++ b/src/BusProNet/Model/CrmSelectionGroup.php
@@ -32,16 +32,16 @@ class CrmSelectionGroup
         90 => 'Transport',
     ];
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?string $label = null;
 
     /**
      * @var array<int, CrmSelection>|null
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?array $selections = null;
 
     /**
diff --git a/src/BusProNet/Model/Guide.php b/src/BusProNet/Model/Guide.php
index 7e72329..75c8f32 100644
--- a/src/BusProNet/Model/Guide.php
+++ b/src/BusProNet/Model/Guide.php
@@ -14,9 +14,9 @@ use Symfony\Component\Serializer\Attribute\Groups;
  */
 class Guide
 {
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?string $name = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?string $phone = null;
 }
diff --git a/src/BusProNet/Model/Hotel.php b/src/BusProNet/Model/Hotel.php
index d80c692..755605b 100644
--- a/src/BusProNet/Model/Hotel.php
+++ b/src/BusProNet/Model/Hotel.php
@@ -15,24 +15,24 @@ use Symfony\Component\Serializer\Attribute\Groups;
  */
 class Hotel
 {
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $code = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $name = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $city = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $street = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $phone = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $country = null;
 }
diff --git a/src/BusProNet/Model/Pickup.php b/src/BusProNet/Model/Pickup.php
index e592af6..9f66599 100644
--- a/src/BusProNet/Model/Pickup.php
+++ b/src/BusProNet/Model/Pickup.php
@@ -17,32 +17,32 @@ use Symfony\Component\Serializer\Normalizer\DateTimeNormalizer;
  */
 class Pickup
 {
-    #[Groups(['api:list'])]
+    #[Groups(['api:list', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:list'])]
+    #[Groups(['api:list', 'snapshot'])]
     public ?string $code = null;
 
-    #[Groups(['api:list'])]
+    #[Groups(['api:list', 'snapshot'])]
     public ?string $city = null;
 
-    #[Groups(['api:list'])]
+    #[Groups(['api:list', 'snapshot'])]
     public ?string $postalCode = null;
 
-    #[Groups(['api:list'])]
+    #[Groups(['api:list', 'snapshot'])]
     public ?string $street = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     #[Context([DateTimeNormalizer::FORMAT_KEY => 'Y-m-d H:i'])]
     public ?\DateTimeImmutable $time = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?float $price = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?float $priceOutbound = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?float $priceInbound = null;
 
     #[Groups(['api:booking'])]
diff --git a/src/BusProNet/Model/Room.php b/src/BusProNet/Model/Room.php
index 73052b1..480aea0 100644
--- a/src/BusProNet/Model/Room.php
+++ b/src/BusProNet/Model/Room.php
@@ -20,19 +20,19 @@ class Room
     public const SELECTION_TYPE_BY_PAX = 'by_pax';
     public const SELECTION_TYPE_BY_ROOM = 'by_room';
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $category = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $boardId = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $code = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $label = null;
 
     #[Groups(['booking'])]
@@ -46,19 +46,19 @@ class Room
     #[Groups(['booking'])]
     public ?int $totalCount = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $minPax = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $maxPax = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $nights = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $status = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $available = null;
 
     #[Groups(['booking'])]
@@ -67,7 +67,7 @@ class Room
     #[Groups(['booking'])]
     public array $mapping = [];
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?float $price = null;
 
     #[Groups(['booking'])]
diff --git a/src/BusProNet/Model/Service.php b/src/BusProNet/Model/Service.php
index 00adb5b..c5c28ab 100644
--- a/src/BusProNet/Model/Service.php
+++ b/src/BusProNet/Model/Service.php
@@ -17,78 +17,78 @@ use Symfony\Component\Serializer\Normalizer\DateTimeNormalizer;
  */
 class Service
 {
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $category = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $status = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public bool $mandatory = false;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public bool $autoBook = false;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $label = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     #[Context([DateTimeNormalizer::FORMAT_KEY => 'Y-m-d'])]
     public ?\DateTimeImmutable $dateFrom = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $timeFrom = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $dayTime = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     #[Context([DateTimeNormalizer::FORMAT_KEY => 'Y-m-d'])]
     public ?\DateTimeImmutable $dateTo = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $subType = null;
 
     #[Groups(['booking'])]
     public ?int $totalCount = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $mapping = [];
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?float $price = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?float $totalPrice = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $individualPrice = [];
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?int $available = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $source = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $direction = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?int $ageFrom = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?int $ageTo = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?int $birthYearFrom = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?int $birthYearTo = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $ageConstraintType = null;
 
     #[Groups(['api:single'])]
@@ -97,7 +97,7 @@ class Service
     #[Groups(['api:single'])]
     public ?string $rawAgeConstraintData = null;
 
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public ?string $description = null;
 
     /**
@@ -107,6 +107,6 @@ class Service
      * When false, this service's price is excluded when determining which insurance
      * tier is appropriate for a participant.
      */
-    #[Groups(['api:single', 'api:list'])]
+    #[Groups(['api:single', 'api:list', 'snapshot'])]
     public bool $includeInInsuranceCalculation = true;
 }
diff --git a/src/BusProNet/Model/Travel.php b/src/BusProNet/Model/Travel.php
index 27eb9ee..0b6ae5d 100644
--- a/src/BusProNet/Model/Travel.php
+++ b/src/BusProNet/Model/Travel.php
@@ -20,43 +20,43 @@ use Symfony\Component\Serializer\Normalizer\DateTimeNormalizer;
 class Travel
 {
     use SortByPriceTrait;
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $id = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $code = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $productCode = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $productId = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $label = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?int $hotelId = null;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?Hotel $hotel = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     #[Context([DateTimeNormalizer::FORMAT_KEY => 'Y-m-d'])]
     public ?\DateTimeImmutable $dateFrom = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     #[Context([DateTimeNormalizer::FORMAT_KEY => 'Y-m-d'])]
     public ?\DateTimeImmutable $dateTo = null;
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?string $type = null;
 
     /**
      * Travel booking status from BusProNet API.
      * Possible values: 'Frei', 'Anfrage', 'Buchungsstop'.
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?string $status = null;
 
     /**
@@ -65,67 +65,67 @@ class Travel
      *
      * @var array<string>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $allowedBookingStatus = [];
 
-    #[Groups(['api:list', 'api:single'])]
+    #[Groups(['api:list', 'api:single', 'snapshot'])]
     public ?float $priceFrom = null;
 
     /**
      * @var array<int, CrmSelectionGroup>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $selectionGroups = [];
 
     /**
      * @var array<int, Service>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $additionalServices = [];
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $additionalServicesMutable = true;
 
     /**
      * @var array<int, Service>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $transportationServices = [];
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $transportationServicesMutable = true;
 
     /**
      * @var array<int, Pickup>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $pickups = [];
 
     /**
      * @var array<int, Pickup>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $dropOffs = [];
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $pickupsMutable = true;
 
     /**
      * @var array<int, Room>
      */
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public array $rooms = [];
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $roomsMutable = true;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $participantDataMutable = true;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public bool $participantCountMutable = true;
 
-    #[Groups(['api:single'])]
+    #[Groups(['api:single', 'snapshot'])]
     public ?Guide $guide = null;
 
     /**
diff --git a/src/BusProNet/XmlLoader/InsuranceLoader.php b/src/BusProNet/XmlLoader/InsuranceLoader.php
index 2006f97..89c78b1 100644
--- a/src/BusProNet/XmlLoader/InsuranceLoader.php
+++ b/src/BusProNet/XmlLoader/InsuranceLoader.php
@@ -26,7 +26,7 @@ class InsuranceLoader extends AbstractLoader
     {
         try {
             return $this->cache->get('bpn_insurances', function (ItemInterface $item) use ($filename) {
-                $item->expiresAfter(3 * 60 * 60);
+                $item->expiresAfter(24 * 60 * 60);
 
                 $crawler = $this->loadXml($filename);
 
diff --git a/src/Command/BpnXmlSyncCommand.php b/src/Command/BpnXmlSyncCommand.php
index 49a73c5..9d03183 100644
--- a/src/Command/BpnXmlSyncCommand.php
+++ b/src/Command/BpnXmlSyncCommand.php
@@ -32,7 +32,6 @@ class BpnXmlSyncCommand extends Command
         'bpn_travels_mapping',
         'bpn_hotels',
         'bpn_pickups',
-        'bpn_insurances',
     ];
 
     public function __construct(
diff --git a/src/Entity/TravelSnapshot.php b/src/Entity/TravelSnapshot.php
index 683a40b..e13cd98 100644
--- a/src/Entity/TravelSnapshot.php
+++ b/src/Entity/TravelSnapshot.php
@@ -62,8 +62,8 @@ class TravelSnapshot
     #[ORM\Column(type: 'date_immutable', nullable: true)]
     private ?\DateTimeImmutable $dateTo = null;
 
-    /** Full JSON-serialized Travel aggregate. */
-    #[ORM\Column(type: 'text')]
+    /** Full serialized Travel aggregate stored as JSON text. */
+    #[ORM\Column(type: 'text', columnDefinition: 'LONGTEXT NOT NULL')]
     private string $payload;
 
     /** SHA-256 of payload; compared before every write to skip no-op flushes. */
diff --git a/src/Service/TravelDataService.php b/src/Service/TravelDataService.php
index 623bf0c..fd91dbf 100644
--- a/src/Service/TravelDataService.php
+++ b/src/Service/TravelDataService.php
@@ -146,6 +146,7 @@ class TravelDataService
             ?? $this->getTravelDataFromXml($dateId, $hotelId);
 
         if (null !== $travel) {
+            $this->patchInsuranceData($travel);
             $this->hydrateInsurancePackageRelationships($travel->insurances);
         }
 
@@ -760,7 +761,6 @@ class TravelDataService
         try {
             $this->pickupLoader->patchPickupsDetails($travel);
             $this->hotelLoader->patchHotelDetails($travel);
-            $this->patchInsuranceData($travel);
         } catch (\Exception $e) {
             $this->logger->warning('Failed to enrich travel data', [
                 'travelId' => $travel->id,
diff --git a/src/Service/TravelSnapshotService.php b/src/Service/TravelSnapshotService.php
index 2e8bac2..8961b93 100644
--- a/src/Service/TravelSnapshotService.php
+++ b/src/Service/TravelSnapshotService.php
@@ -102,7 +102,7 @@ class TravelSnapshotService
             return;
         }
 
-        $payload = $this->serializer->serialize($travel, 'json');
+        $payload = $this->serializer->serialize($travel, 'json', ['groups' => ['snapshot']]);
         $payloadHash = hash('sha256', $payload);
         $snapshot = $this->snapshotRepository->findByDateAndHotel($travel->id, $travel->hotelId);
 
@@ -241,7 +241,7 @@ class TravelSnapshotService
 
             $this->applyExtendedAvailability($travel, $response);
 
-            $payload = $this->serializer->serialize($travel, 'json');
+            $payload = $this->serializer->serialize($travel, 'json', ['groups' => ['snapshot']]);
             $payloadHash = hash('sha256', $payload);
             if ($payloadHash !== $snapshot->getPayloadHash()) {
                 $snapshot->setPayload($payload)->setPayloadHash($payloadHash);
diff --git a/tests/Service/TravelDataServiceTest.php b/tests/Service/TravelDataServiceTest.php
index a7b9bef..05b3762 100644
--- a/tests/Service/TravelDataServiceTest.php
+++ b/tests/Service/TravelDataServiceTest.php
@@ -313,13 +313,20 @@ class TravelDataServiceTest extends TestCase
         $this->assertSame($travel, $result);
     }
 
-    public function testGetTravelDataFromLocalRehydratesInsurancePackagesFromSnapshot(): void
+    public function testGetTravelDataFromLocalHydratesInsurancePackagesFromLoaderAfterSnapshotLoad(): void
     {
         $dateId = 12345;
         $hotelId = 67890;
 
-        // Simulate a deserialized snapshot state: containedInsuranceIds are present but
-        // containedInsurances is empty (circular-reference prevention strips it during serialization).
+        $travel = new Travel();
+        $travel->id = $dateId;
+        $travel->hotelId = $hotelId;
+
+        // Snapshot-provided insurances are intentionally replaced by InsuranceLoader data.
+        $staleSnapshotInsurance = new Insurance();
+        $staleSnapshotInsurance->id = 'stale';
+        $travel->insurances = [$staleSnapshotInsurance];
+
         $individual = new Insurance();
         $individual->id = '10';
         $individual->package = false;
@@ -328,12 +335,7 @@ class TravelDataServiceTest extends TestCase
         $package->id = '20';
         $package->package = true;
         $package->containedInsuranceIds = ['10'];
-        $package->containedInsurances = []; // as it arrives after deserialization
-
-        $travel = new Travel();
-        $travel->id = $dateId;
-        $travel->hotelId = $hotelId;
-        $travel->insurances = [$individual, $package];
+        $package->containedInsurances = [];
 
         $this->travelSnapshotService
             ->expects($this->once())
@@ -341,9 +343,15 @@ class TravelDataServiceTest extends TestCase
             ->with($dateId, $hotelId)
             ->willReturn($travel);
 
+        $this->insuranceLoader
+            ->expects($this->once())
+            ->method('loadAll')
+            ->willReturn([$individual, $package]);
+
         $result = $this->service->getTravelDataFromLocal($dateId, $hotelId);
 
         $this->assertSame($travel, $result);
+        $this->assertSame([$individual, $package], array_values($travel->insurances));
         $this->assertCount(1, $package->containedInsurances);
         $this->assertSame($individual, $package->containedInsurances[0]);
     }
@@ -393,8 +401,8 @@ class TravelDataServiceTest extends TestCase
         $dateId = 12345;
         $hotelId = 67890;
 
-        // insuranceLoader->loadAll() returns these during enrichTravelData(); the package's
-        // containedInsurances starts empty (as it would from a fresh XML load before hydration).
+        // InsuranceLoader supplies the canonical insurance list for local reads; the package's
+        // containedInsurances starts empty and is rebuilt after hydration.
         $individual = new Insurance();
         $individual->id = '10';
         $individual->package = false;