What Intermundial does

Intermundial (legal entity INTERMUNDIAL XXI S.L.U.) is a Spanish insurance brokerage founded in 1994 and headquartered in Madrid, operating under the Atlantigo corporate group. The firm specializes exclusively in travel and sports insurance, distributing more than 15 specialized product brands — the Totaltravel family (single-trip, annual multi-trip, and Premium tier), the go| sub-brand range (assistance, easy, schengen, cancellation, cruise, study), the Businesstravel range for corporate clients, and the Totalsports family (Totalsports, Wintersports, Wintersports basic, Aquasports, Runsports) — covering medical assistance, trip cancellation, luggage, repatriation, adventure sports, and visa-compliance scenarios.

The company runs a 100% digital, direct-to-consumer stack: a web-based express insurance calculator that produces pricing in roughly five seconds, dedicated iOS and Android apps for purchase and claims, a self-serve Área de Cliente portal for policy management, and a digital claims platform with real-time status tracking and a 72-hour response commitment. A 24/7 multilingual telemedicine service (Spanish, English, Portuguese) is integrated into the app. Intermundial operates as a broker, placing coverage with multiple underwriters including ARAG SE, ERGO Seguros de Viaje, White Horse Insurance Ireland DAC, SI Insurance Europe SA, Occident GCO, Seguros Bilbao, Westgarantie, and Fidelidade; claims processing is handled through wholly-owned Servisegur XXI Consultores S.L.U.

The business model is commission-based brokerage on per-trip and annual-multi-trip premiums, priced from €0.21 per day for basic plans and reaching €10M medical coverage on the Premium tier. Revenue reached €113 million in 2024, up 11% year-over-year, on a headcount of 251–500. Customers are predominantly individual leisure travelers in Spain, supplemented by business travelers, international students, sports enthusiasts, cruise passengers, and travel agencies/corporate groups. In 2025 the company opened direct operations in Colombia and announced plans for a United States launch. No funding rounds, M&A, regulatory actions, or leadership changes are disclosed.

Name

Intermundial

Legal name

INTERMUNDIAL XXI S.L.U.

Website

https://intermundial.es

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

251–500 employees

Short description

Intermundial is a Spanish digital insurance brokerage offering travel and sports insurance for individual and business travelers, students, and sports enthusiasts through a fully online platform with mobile apps and telemedicine, operating in Spain and Colombia.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Travel insurance
• Sports insurance
• Insurance brokerage
• Schengen travel insurance
• Travel assistance

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Travel Insurance Premiums: One-time insurance premiums charged per trip based on trip duration, destination, number of travelers, and coverage options selected. Pricing starts from €0.21 per day for basic plans.
2. Annual Multi-Trip Insurance: Annual subscription model providing coverage for all trips taken during one year, with each trip capped at 60 days maximum. Premiums are paid annually.
3. Optional Coverage Add-ons: Additional optional coverages such as cancellation protection (up to €6,000), equipment coverage, and activity-specific add-ons available at extra cost.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Intermundial is a digital insurance brokerage specializing in travel and sports insurance products. The company distributes specialized coverage including single-trip and annual multi-trip travel insurance, Schengen visa-compliant insurance, trip cancellation, cruise, student, business travel, and adventure sports coverage. Acting as an intermediary (correduría de seguros), it places policies with multiple underwriters (ARAG SE, ERGO Seguros de Viaje, White Horse Insurance Ireland DAC, SI Insurance Europe, and others) and delivers 100% of its sales through a digital platform with mobile app, online claims processing, and integrated 24/7 telemedicine services.

Product overview

Intermundial is a digital travel and sports insurance broker offering a comprehensive portfolio of specialized insurance products. The product lineup centers on the Totaltravel family as the primary travel insurance offering, complemented by the go| series sub-brands (assistance, easy, schengen, cancellation, cruise, study) targeting specific travel needs, and Businesstravel for corporate travelers. For sports enthusiasts, the Totalsports family covers adventure, winter, aquatic, and running activities. All products are distributed through a 100% online platform featuring a mobile app for claims management, telemedicine services, and real-time assistance. The company acts as an insurance broker, partnering with multiple insurers including ARAG SE, ERGO SEGUROS DE VIAJE, WHITE HORSE INSURANCE IRELAND DAC, OCCIDENT GCO, SEGUROS BILBAO, WESTGARANTIE, FIDELIDADE COMPANHIA DE SEGUROS, and SI INSURANCE EUROPE SA.

Differentiator

Problem solved

Functional benefit

Brands

• go | assistance: Travel insurance product offering medical assistance coverage up to 500,000 EUR.
• go | easy
• go | schengen
• go | cancellation
• go | cruise
• go | study
• Totaltravel
• Totaltravel annual
• Grand tour 365
• Businesstravel
• Businesstravel annual
• Totalsports
• Wintersports
• Wintersports basic
• Aquasports
• Runsports
• Seguros Rastreator

Products and services

• Totaltravel Comprehensive single-trip travel insurance with medical assistance up to €5,000,000, optional cancellation coverage up to €5,000, and luggage protection up to €2,500. Recommended for trips within Europe and worldwide destinations.
• go | assistance Medical-only travel insurance product providing assistance coverage up to €500,000, with no cancellation coverage and luggage up to €1,000. Designed for short getaways across Spain, Europe, and worldwide destinations.
• go | easy Budget travel insurance covering medical assistance up to €50,000 with optional cancellation up to €600 and luggage up to €1,200. Targeted at short trips within Spain and neighboring countries.
• Totaltravel annual Annual multi-trip travel insurance providing medical coverage up to €2,500,000, optional cancellation up to €3,000, and luggage up to €2,100. Includes family plan options and covers unlimited trips with up to 60 consecutive days per trip.
• Grand tour 365 Long-stay travel insurance for trips exceeding 90 days, featuring medical assistance up to €500,000, cancellation up to €4,000 (optional), luggage up to €1,500, and adventure sports coverage included. Designed for extended travel with Schengen zone coverage.
• go | schengen Schengen visa-compliant travel insurance covering medical expenses up to €30,000 with unlimited repatriation and luggage up to €300. Valid throughout the Schengen area for travelers requiring visa documentation.
• go | cancellation Standalone trip cancellation insurance covering expenses up to €6,000 with 44 cancellation reasons, including trip interruption coverage. Allows purchase at any time before departure, from a flat rate of €13.
• go | cruise Specialized cruise travel insurance with medical coverage up to €100,000, optional cancellation up to €3,000 (expandable to €9,000), luggage up to €2,000, and loss of services coverage up to €3,000.
• go | study Student travel insurance with unlimited medical coverage, unlimited early return, accident coverage up to €85,000, and adventure sports included. Extended coverage period available up to one year for international study.
• Businesstravel Business travel insurance providing medical coverage up to €300,000, cancellation up to €5,000, and luggage coverage up to €2,500. Designed for executives traveling for business purposes, purchasable at any time.
• Businesstravel annual Annual business travel insurance covering all business trips throughout the year with medical coverage up to €300,000, cancellation up to €5,000, and luggage up to €2,500, designed for frequent business travelers.
• Totalsports Multi-sport adventure travel insurance covering search and rescue up to €20,000, class reimbursement up to €400, and sports equipment coverage for various adventure sports activities.
• Wintersports Ski and snowboard insurance covering off-piste skiing, lift pass reimbursement, and medical expenses up to €500,000. Marketed as better coverage than resort-provided insurance, valid worldwide.
• Wintersports basic Budget ski and snowboard insurance with medical coverage up to €25,000, optional lift pass reimbursement up to €90, and basic adventure sports coverage. Valid for Spain and Europe.
• Aquasports Diving and water sports insurance with hyperbaric chamber coverage up to €10,000 and depth coverage up to 75 meters. Specialized coverage for scuba diving and aquatic activities.
• Runsports Running and endurance sports insurance covering marathons, trail running, trekking, and walking events. Provides protection for participants in land-based athletic activities.
• Seguros Rastreator Promotional multi-risk economy travel insurance available through the Rastreator comparison platform, offering comprehensive coverage including medical assistance up to €5,000,000, cancellation up to €5,000, and luggage up to €2,500.
• Totaltravel Premium Premium travel insurance tier offering enhanced coverage with medical assistance up to €10,000,000, cancellation up to €12,000, and luggage up to €3,200. Designed for the most demanding travelers visiting USA and worldwide destinations.

Quantifiable outcome

• 72-hour claims response time commitment
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• ARAG SE, Sucursal en EspañacoreOthersInsurance partner providing travel insurance products excluding life insurance and accessory risks (branches 1, 2, 7, 9, 13, 16, 18).
• ERGO Seguros de Viaje, Sucursal en EspañacoreOthersInsurance partner for travel insurance products excluding life insurance and accessory risks.
• White Horse Insurance Ireland DACcoreOthersInsurance partner providing travel insurance coverage through international arrangements.
• OCCIDENT GCO, S.A.U. de Seguros y ReasegurossupportingOthersInsurance partner for specific risk coverage (branch 9).
• Bilbao Compañía Anónima de Seguros y Reaseguros (Seguros Bilbao)supportingOthersInsurance partner for specific risk coverage (branch 9).
• WestgarantiesupportingOthersInsurance partner for specific risk coverage (branch 9).
• Fidelidade Companhia de Seguros, S.A., Sucursal en EspañasupportingOthersInsurance partner for life insurance and complementary risks.
• SI Insurance Europe SA, Sucursal en EspañacoreOthersInsurance partner providing coverage across multiple branches (1, 2, 9, 13, 16, 18, 21).
• Servisegur XXI Consultores S.L.U.supportingImplementation/ SI/ Consulting PartnerClaims processing partner located at C/ Irún 7, 1º A izquierda, Madrid, CP: 28008. Handles processing of insurance claims derived from insurance contracts.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• AXA Travel Insurance: Major incumbent insurer with global travel assistance and insurance products. Overlaps with Intermundial's comprehensive and business travel offerings at much larger scale.
• Generali / Europ Assistance: European insurance and assistance group offering travel medical and cancellation products. Competes in Spain and across Europe with broad product depth.
• Allianz Travel: Global travel insurance arm of Allianz, one of the largest carriers and distributors worldwide. Competes with Intermundial across travel medical and cancellation products but offers a much broader portfolio.

Direct peers

• IMG Global: Specialist international travel and health insurance provider focused on students, expatriates, and travelers. Comparable niche focus on student and long-stay segments.
• Chapka Assurances: French specialty travel insurance broker focused on adventure, student and long-stay travel. Comparable niche specialization and digital distribution approach.
• HeyMondo: Spain-origin digital travel insurance broker with strong LatAm presence. Direct competitor in Spain and a reference for Intermundial's stated Colombia/US expansion strategy.
• IATI Seguros: Spanish digital-first travel insurance specialist competing directly with Intermundial across leisure, adventure and Schengen products. Closest comparable by geography, product mix and digital DTC model.
• World Nomads: Travel insurance brand for adventurous and independent travelers globally. Strong overlap with Intermundial's Totalsports, Wintersports and long-stay adventure segments.

Others

• Rastreator: Spanish insurance comparison platform that already distributes Intermundial's promotional multi-risk product. Represents both a distribution channel and an indirect competitive threat via price transparency.

Emerging players

• SafetyWing: Digital-first global travel and nomad health insurance provider. Comparable tech-led DTC model and overlap with Grand Tour 365 and go|study products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/InterMundial_IT
• YouTubeyoutube.com/channel/UCEh4VOCeNxFpIfGtTAI5APw
• Facebookfacebook.com/InterMundial
• LinkedInlinkedin.com/company/intermundial
• Instagraminstagram.com/_intermundial_

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Intermundial