Sensible Weather
Sensible Weather is a climate risk technology company that provides parametric Weather Guarantee products to automatically reimburse travelers when weather exceeds contracted thresholds. Its B2B2C platform embeds via API/SDK into partner booking systems across hospitality, golf, ski, camping, attractions, live events, and OTA verticals.
- Company typePrivate
- Founded2019
- HeadquartersSanta Monica, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Sensible Weather does
Sensible Weather is a climate risk technology company founded in 2019 and headquartered in Santa Monica, California that builds parametric Weather Guarantee products designed to automatically reimburse travelers and outdoor experience participants when weather exceeds specified thresholds during their trip. The company's flagship product, Weather Guarantee™, is a parametric protection instrument distinct from traditional travel insurance: customers must attend their trip or experience to receive reimbursement, with payouts triggered automatically via SMS and email when forecast conditions breach contracted thresholds—no claims, no cancellation, no paperwork required. Sensible Weather operates a B2B2C distribution model, embedding Weather Guarantees directly into partner booking platforms (SynXis/Aven Hospitality, Inntopia, GolfNow, Campspot, KOA, Hipcamp, TUI, Ticketbud, and others) across seven experience verticals: hotels and resorts, golf, ski, camping and glamping, attractions and theme parks, live events and sports, and online travel agencies. The company also markets a Travel Agents channel and lists a dedicated Platforms integration page for booking-engine partners.
Underlying the product is a proprietary Climate Risk Platform that combines weather data from NOAA, ECMWF, NASA, and other sources to dynamically price each guarantee based on location, seasonality, and forecast trends, and to monitor conditions in near real-time to trigger payouts. Integration is delivered via API/SDK into partner booking flows, with reimbursement disbursed through PayPal, Venmo, and Dwolla rails and payment acceptance via Stripe. Vertically tuned implementations exist for each experience type, with reimbursements defined at booking and equal to the average daily cost of the qualifying reservation (often up to 100% of daily rate).
Sensible Weather earns revenue through a transaction-fee model on each Weather Guarantee sold, sharing a portion with the distribution partner and retaining the remainder. Pricing is dynamic, typically under $20 for a $200 experience. The company reports partner booking-conversion uplift of 5-19%, with specific integrations (e.g., SynXis) reporting 19% conversion increases. By 2025-2026, Sensible Weather had sold over 1 million Weather Guarantees across 8,000+ partner locations in 9+ countries (USA, UK, France, Switzerland, Sweden, Spain, Italy, Austria, Caribbean), making it one of the most scaled parametric weather risk platforms in the consumer travel sector.
Sensible Weather firmographics
Firmographics- Name
- Sensible Weather
- Legal name
- Sensible Weather Co.
- Website
- https://sensibleweather.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Sensible Weather is a climate risk technology company that provides parametric Weather Guarantee products to automatically reimburse travelers when weather exceeds contracted thresholds. Its B2B2C platform embeds via API/SDK into partner booking systems across hospitality, golf, ski, camping, attractions, live events, and OTA verticals.
- Ownership category
- akta.pro rank
Sensible Weather industry classification
Industry- Product category
- Travel Insurance Technology
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Early Warning, Event Monitoring & Forecasting (Extreme Weather Alerts, Nowcasting) (EUABALAJ)
Keywords
Where Sensible Weather is headquartered
LocationHeadquarters
- HQ city
- Santa Monica
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Sensible Weather business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Weather Guarantee Transaction Fees: Sensible Weather earns revenue by selling Weather Guarantees to consumers during the booking process. Partners receive a revenue share on each Weather Guarantee sold, while Sensible retains the remainder. The product is priced dynamically based on location, seasonality, and forecast risk, often under $20 for a $200 experience.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Dynamic per-booking pricing based on trip value and weather risk |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Sensible Weather product offering
Product offeringCore offering
Sensible Weather provides a parametric Weather Guarantee product that automatically reimburses travelers when weather (rain, heat, snow, high winds) exceeds specified thresholds during their booked trip or outdoor experience. The product is distributed exclusively through B2B partner platforms including hotels, golf courses, ski resorts, camping sites, attractions, OTAs, and live event ticketing systems, and is embedded at checkout via API/SDK integration. Reimbursements are triggered automatically without claims processing, powered by a proprietary Climate Risk Platform that dynamically prices coverage using multiple weather data sources.
Product overview
Sensible Weather operates as a climate finance platform offering Weather Guarantees as its core product suite. The Weather Guarantee is a parametric, automatic reimbursement product that protects travelers and outdoor enthusiasts from weather disruptions during their booked experiences. The product portfolio includes vertical-specific implementations for Hotels & Resorts, Camping & Glamping, Golf, Ski, Attractions & Theme Parks, Live Events & Sports, and OTAs. Each vertical uses the same core Weather Guarantee technology with customized thresholds and pricing based on location, seasonality, and forecast data. The company also offers a specialized Weather Travel Insurance product for non-severe weather events. All products are powered by a proprietary climate analytics engine that combines NOAA, ECMWF, and NASA data to dynamically price coverage and trigger automatic reimbursements without claims processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Weather Guarantee™ The flagship Weather Guarantee is a parametric, automatic reimbursement product that protects travelers when weather (rain, heat, snow, or high winds) exceeds specified thresholds during their booked trip or outdoor experience. The customer must check in, show up, or begin their trip to receive a reimbursement, which is initiated automatically via SMS and email the same day forecast thresholds are exceeded—no claims process, no cancellation, and no paperwork required. Coverage is dynamically priced by location, seasonality, and forecast risk, often under $20 for a $200 experience, and is sold exclusively through Sensible Weather's partner platforms.
- Weather Travel Insurance for Non-Severe Weather A specialized weather travel insurance product covering non-severe weather events such as rain showers and heat waves, addressing a gap in traditional travel insurance policies that typically cover only severe weather incidents. The product operates automatically with proactive reimbursements, complementing the Weather Guarantee offering.
- High Wind Guarantee Sensible Weather's first High Wind Guarantee expands Weather Guarantee coverage beyond rain, heat, and snow to include high-wind thresholds for outdoor experiences such as beach, coastal, and water-based activities. The product operates automatically with same-day proactive reimbursement via SMS and email when forecast thresholds are exceeded.
Quantifiable outcome
- 5-19% uplift in booking conversion for partners offering Weather Guarantees at checkout
- +7 more outcomes
Companies that use Sensible Weather
Customer profileNamed customers15 records
Segments7 records
Ideal customer profiles3 records
Sensible Weather technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability2 records
Feature3 records
Sensible Weather partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and secondary.
- Aven Hospitality (formerly Sabre Hospitality Solutions)coreWeather Guarantees now available through Aven's SynXis platform across hotels in the US, UK, Europe (Spain, Italy, Switzerland, France, Austria), and the Caribbean. Aven serves 35,000+ hotels across 190+ countries. Partnership expanded from initial launch in 2025 due to overwhelming success.
- Hospitality SolutionscoreExpanded partnership making Weather Guarantees available at 1,400+ hotels using the SynXis Booking Engine. The integration drives 19% increase in conversion and provides hotels with increased booking confidence, higher guest satisfaction, and revenue share on each guarantee sold.
- InntopiacoreIntegration brings Weather Guarantees to Inntopia's network of resort partners including select destinations within Alterra Mountain Company. Skiers and snowboarders can receive up to 100% reimbursement if weather exceeds predefined thresholds during their trip.
- GolfNowcoreWeather Guarantees available for golfers booking tee times through GolfNow's booking engine. Partnership addresses weather uncertainty that causes hesitation among golfers.
- CourserevsecondaryWeather protection for golfers and courses using Courserev's booking platform.
- Kampgrounds of America (KOA)coreWeather Guarantees offered to campers at 450+ KOA campground locations across North America.
- HipcampcoreWeather Guarantees available for camping and glamping bookings through Hipcamp's platform.
- CampspotcoreWeather protection available for campers booking through Campspot's marketplace.
- OutdoorsysecondaryWeather Guarantees offered for RV rentals and outdoor experiences booked through Outdoorsy.
- TicketbudsecondaryWeather Guarantees available on event tickets purchased through Ticketbud, including Austin Trail of Lights.
- PGA of AmericacoreOfficial weather protection partnership providing Weather Guarantees for golfers and golf experiences.
- TUIcoreWeather Guarantees available through TUI's online travel platform for hotels and travel bookings.
- Noble House HotelscoreWeather Guarantees offered across Noble House Hotels' portfolio of luxury resorts.
- Polaris AdventuressecondaryWeather protection for travelers booking outdoor adventures and experiences through Polaris Adventures.
Scale indicators12 records
Recent moves7 records
Expansion highlights5 records
Sensible Weather competitors and assessment
Company assessmentDirect peers
- Cover Genius: Cover Genius is an insurance-as-a-service platform that embeds protection products (including travel) directly into partner checkout flows via APIs. It is highly comparable to Sensible Weather as a B2B, API-first, embedded protection provider targeting travel and e-commerce platforms.
- Hopper: Hopper operates an app and B2B platform offering travel bookings with built-in financial protection products, including weather- and disruption-related guarantees. It competes with Sensible Weather for embedding parametric-style travel protection into the booking flow.
Emerging players
- Trov: Trov is an insurtech building embedded, on-demand protection products with a parametric orientation for mobility and consumer experiences. It overlaps with Sensible Weather's parametric, embedded approach and target of removing claims friction.
- Jupiter Intelligence: Jupiter Intelligence provides climate risk analytics and physical-risk modeling for insurers, corporations, and governments. It is comparable to Sensible's underlying climate risk platform capability, though Jupiter serves enterprise risk buyers rather than consumer-facing travel protection.
- Climate X: Climate X provides climate risk and physical-hazard analytics used for resilience and financial decision-making. Comparable to Sensible in the climate risk analytics stack and multi-source weather data integration approach.
- Kiwi Insurance: Kiwi is a parametric and embedded insurance platform serving verticals such as mobility and travel. It is comparable to Sensible as a parametric-first, embedded protection provider building distribution through partner platforms.
Broad incumbents
- Allianz Travel: Allianz Travel is a top-tier global travel insurance carrier sold through travel platforms and OTAs. It is comparable as a broad incumbent competing for the same traveler-protection dollar at checkout, though it sells traditional cancellation-style insurance rather than Sensible's parametric model.
- AIG Travel: AIG Travel provides travel insurance and assistance products distributed through travel agencies, OTAs, and corporate channels. It is a broad incumbent comparable to Sensible in the same travel-protection category, with established underwriting and global claims infrastructure.
- World Nomads: World Nomads is a digital-first travel insurance provider focused on adventurous and outdoor travelers. It is a comparable broad incumbent in the travel protection space, particularly relevant given Sensible's strong focus on outdoor verticals (camping, ski, golf).
- Airbnb (AirCover): Airbnb's AirCover provides built-in booking protection for guests, including weather-related disruption coverage. It is comparable to Sensible as a platform-native protection layer, but bundled into Airbnb's marketplace rather than distributed via third-party booking engines.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Sensible Weather social profiles
Digital presenceSensible Weather financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sensible Weather leadership team
Management profileNumber of profiles
Profiles2 records
Sensible Weather subsidiaries and ownership
Company hierarchySubsidiaries1 record
Sensible Weather funding detail
Funding detailFunding overview
Funding rounds5 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sensible Weather M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sensible Weather
What does Sensible Weather do?
Sensible Weather provides a parametric Weather Guarantee product that automatically reimburses travelers when weather (rain, heat, snow, high winds) exceeds specified thresholds during their booked trip or outdoor experience. The product is distributed exclusively through B2B partner platforms including hotels, golf courses, ski resorts, camping sites, attractions, OTAs, and live event ticketing systems, and is embedded at checkout via API/SDK integration. Reimbursements are triggered automatically without claims processing, powered by a proprietary Climate Risk Platform that dynamically prices coverage using multiple weather data sources.
Is Sensible Weather a public or private company?
Sensible Weather is a private company. It is classified as venture growth investor backed and is currently operating.
When was Sensible Weather founded?
Sensible Weather was founded in 2019. It employs 11 to 50 people.
Where is Sensible Weather based?
Sensible Weather is headquartered in Santa Monica, United States, in the North America region.
How does Sensible Weather make money?
One revenue line is on record: weather Guarantee Transaction Fees.
Who are Sensible Weather's main competitors?
Direct peers on record are Cover Genius and Hopper. Emerging players are Trov, Jupiter Intelligence, Climate X and Kiwi Insurance. Broad incumbents are Allianz Travel, AIG Travel, World Nomads and Airbnb (AirCover).
Does Sensible Weather have an API?
Yes. Sensible Weather offers an API for developers and partners. The company provides API and SDK documentation at https://sensible.readme.io/docs/overview. Partners and developers can access documentation for integrating Weather Guarantees into booking platforms and experiences. Developer documentation is at sensible.readme.io/docs/overview.
What industry is Sensible Weather in?
Sensible Weather's product category is Travel Insurance Technology. Its primary akta.pro industry code is EUABALAJ, Early Warning, Event Monitoring & Forecasting (Extreme Weather Alerts, Nowcasting). Its NAICS code is 52412 and its SIC code is 6331.