Ensuria

What Ensuria does

Ensuria is an Estonian-Ukrainian insurtech company founded in 2020 that delivers a fully digital, subscription-based insurance platform to individuals, corporate clients, and insurance carriers. The company sells travel insurance (Basic, Optimal, and Premium tiers with up to 30,000/50,000 EUR coverage), personal lines products for sports participants, scooter/bike riders, and pets, corporate business insurance and employee benefits, a Mental Care psychological support program for corporate clients, and white-label assistance services. Its technology stack centers on a mobile application (iOS and Android) and a web platform that together handle policy issuance, electronic policy management, digital claims submission, telemedicine consultations with multi-lingual doctors, and integrated payments via Apple Pay, Google Pay, and LiqPay.

Underlying technical and operational components include a digital ATE and telephony infrastructure with daily backups and intelligent call routing, a 20,000-provider medical/insurance/transport network spanning 150 countries, and a claims processing system that the company reports can complete compensation in as fast as two minutes. Ensuria operates through two legal entities—Ensuria Technologies OÜ in Tallinn, Estonia (technology and registered office) and Ensuria Operations Ukraine LLC in Kyiv (services and service delivery)—and partners with Uniqa for the "My Trip" travel product and with approximately 80% of insurance companies in Ukraine for assistance, claims handling, and agency services.

The business model combines three revenue streams: (i) direct-to-consumer policy sales and subscription fees from individuals and corporates, transacted through the app and website; (ii) enterprise contracts with 100+ corporate clients for business insurance and Mental Care programs; and (iii) B2B2C managed services in which Ensuria acts as agent, assistance provider, and claims handler for insurance carriers, banks, tour operators, travel agencies, automobile companies, car lessors, and airlines. The company reports 30,000+ insured individuals, 10,000+ claim events handled, and a 97% client retention rate. Revenue, ownership structure, and external funding are not publicly disclosed.

Name

Ensuria

Legal name

Ensuria Technologies OÜ

Website

https://ensuria.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Ensuria is a 2020-founded Estonian-Ukrainian insurtech that delivers fully digital, subscription-based travel, personal, corporate, and mental-health insurance through a mobile and web platform, supported by a 20,000-provider global assistance network and serving 100+ corporate clients and 30,000+ insured individuals.

Ownership category

akta.pro rank

Product category

Digital Insurance Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industries

Embedded Travel Insurance Distribution & APIs (THALALAA), Travel Assistance & Concierge Services (Non-Insurance) (FSAJAJAF), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Digital insurance services
• Travel insurance platform
• Insurtech mobile app
• Corporate mental care
• Insurance assistance services

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Individual Insurance Subscriptions: Subscription-based insurance service for individuals covering travel, sports, riders, and pets. Customers pay for policies via the app or website with options for single-trip or recurring coverage.
2. Corporate/Business Insurance Services: Insurance and assistance services sold to business clients including employee mental care programs, team medical coverage, and corporate assistance packages. Targets 100+ companies.
3. Insurance Company Partnerships: Acts as agent, assistance provider, and claims handler for insurance companies based on partnership agreements. Provides assistance and other services to the largest insurance companies including working with 80% of insurance companies in Ukraine.
4. Transaction Fees (Policy Sales): Revenue generated from sale of insurance policies as a digital distributor/agent for insurance companies. Customers pay for policies through Apple Pay, G-Pay, or LiqPay.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Ensuria is a digital, subscription-based insurance agency offering travel, personal (sportsmen, riders, pet), and corporate insurance products delivered through its iOS/Android mobile app and website. It also operates a 24/7 multilingual telemedicine and assistance service and a corporate Mental Care psychological support program, acting as agent, assistance provider, and claims handler for insurance companies and direct seller to individuals and businesses.

Product overview

Ensuria is a digital insurance service platform offering subscription-based life and health insurance. The product portfolio consists of multiple integrated modules: Travel Insurance (offered in Basic/Optimal/Premium tiers in partnership with Uniqa) for tourists with medical, accident, and legal coverage; Mental Care Program for corporate mental health support with individual, interpersonal, and organizational service levels; Assistance Services providing medical assistance and telemedicine to businesses; Personal Insurance for individuals including sports, riders, and pet coverage; and Business Insurance for corporate clients. All products are delivered through the Ensuria Mobile Application, which serves as the unified platform for policy management, claims processing, and customer support.

Differentiator

Problem solved

Functional benefit

Brands

• Mental Care: Psychological care program for teams including individual counseling, couple/family therapy, group therapy, organizational coaching, and webinars.
• Travel Insurance

Products and services

• Travel Insurance Digital travel insurance for tourists covering medical expenses, accident compensation, legal assistance, flight delay/cancellation reimbursement, lost baggage compensation, and worldwide assistance. Available in Basic, Optimal, and Premium tiers with coverage limits of 30,000/50,000 EUR, including COVID-19 coverage. Designed for individual travelers purchasing directly through the Ensuria app or website or via partner Uniqa.
• Mental Care Program Corporate mental health program offering psychological counseling for employees across three levels: individual (psychological counseling), interpersonal (couple therapy, family counseling, group therapy), and organizational (team coaching, culture formation, training programs). Services include therapy modalities such as psychoanalysis, existential therapy, EMDR therapy, CBT, Gestalt therapy, transactional analysis, and symboldrama.
• Insurance Assistance Services Insurance assistance service for companies providing medical and tourist assistance, technical assistance, and insurance regulation. Includes telemedicine consultations via video, audio, or chat; home and family support; international medical transportation; concierge services; and medical team support across 150 countries.
• Personal Insurance (Sportsmen, Riders, Pets) Subscription-based digital life and health insurance for individuals covering various personal needs, including sportsmen coverage, rider insurance for bikes and scooters, and pet insurance (happy paws), purchased and managed through the Ensuria app.
• Business Insurance Corporate insurance solutions providing HR-friendly insurance services for businesses, with 100+ companies currently partnered. Includes team medical support, organizational assistance, and business travel coverage tailored to employer needs.
• Ensuria Mobile Application Digital insurance platform available on iOS (App Store) and Android (Play Market) enabling policy purchase, management, claims submission, compensation tracking, telemedicine consultations, and mental health session booking. Features instant compensation with fast claim processing for all Ensuria products.

Quantifiable outcome

• Fastest claim compensation: 2 minutes
• +8 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core, major and minor.

• UniqacoreStrategic or Co-development PartnerEnsuria provides assistance services and support for Uniqa's 'My Trip' travel insurance product. The partnership involves Ensuria handling assistance and claims for Uniqa policyholders, with specific insurance product details available for download.
• Insurance Companies of Ukraine (80% market)coreStrategic or Co-development PartnerEnsuria works with approximately 80% of insurance companies in Ukraine as an assistance provider, claims handler, and agent. This extensive network partnership allows them to provide services across the Ukrainian insurance market.
• Tour Operators and Travel AgenciesmajorChannel Partner/ Reseller/ DistributorPartnership with tour operators and travel agencies to provide travel insurance services to tourists. These partners distribute Ensuria's insurance products to their customer base traveling internationally.
• BanksmajorChannel Partner/ Reseller/ DistributorPartnership with banks to provide insurance and assistance services to bank customers, potentially as part of banking product bundles or customer benefit programs.
• Automobile CompaniesminorChannel Partner/ Reseller/ DistributorPartnership with automobile companies for vehicle-related insurance coverage and assistance services.
• Car LessorsminorChannel Partner/ Reseller/ DistributorPartnership with car leasing companies to provide insurance coverage and roadside assistance services for leased vehicles.
• AirlinesminorChannel Partner/ Reseller/ DistributorPartnership with airlines to provide travel insurance and passenger assistance services, often bundled with ticket purchases.
• Global Provider Network (20,000 providers)coreOthersNetwork of 20,000 providers in medical, insurance, and transport industries across 150 countries. Includes hospitals, clinics, transport services, and assistance providers that Ensuria coordinates for customer support globally.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Getsafe: German digital insurance broker offering multi-product insurance (life, health, property) through a mobile app. Comparable as European insurtech intermediary with embedded/broker distribution model.
• Acheel: French insurtech offering customizable digital insurance products including health coverage. Comparable as digital-first insurance intermediary targeting consumers and small businesses.
• Alan: French health insurance insurtech offering digital-first health coverage to individuals and employers. Comparable as a European digital-first insurer with strong focus on employer-sponsored plans (overlap with Ensuria's Mental Care B2B segment).

Direct peers

• World Nomads: Travel insurance provider for independent travelers, sold through travel agency and tour operator partnerships. Comparable in product (travel insurance with assistance services) and distribution (partner-led).
• HeyMondo: Travel insurance specialist offering multi-currency, app-based policies with 24/7 multilingual assistance. Directly comparable in travel insurance product, assistance focus, and digital distribution model.
• SafetyWing: Digital-first travel and global health insurance provider serving remote workers, nomads, and travelers. Directly comparable as a subscription-based, app-delivered insurance product targeting digitally-native international travelers.

Broad incumbents

• Wefox: European insurtech connecting customers with insurance products via digital agents. Comparable as an insurtech intermediary, though Wefox is broader in product lines and better capitalized.
• AXA Assistance: Global assistance and travel insurance provider with worldwide provider networks. Comparable in assistance services model and global provider reach, though operates as incumbent within larger AXA group.
• Lemonade: Public insurtech using AI-driven mobile experience for insurance purchase and claims. Comparable in digital-first, mobile app, instant claim payout model, but operates in different geographies and product lines.
• Allianz Travel: Global travel insurance arm of Allianz Partners with assistance networks in 150+ countries. Comparable in product breadth and global assistance infrastructure but operates as incumbent carrier rather than insurtech.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ensuria-health-travel-services

Revenue estimate

Valuation estimate

Number of profiles

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 Ensuria