Name

Terrawind Global Protection

Legal name

Terrawind Global Protection

Website

https://twglobalprotection.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Travel Assistance Services

NAICS

All Other Travel Arrangement and Reservation Services (561599)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Medical Assistance & Telemedicine for Travelers (THACANAE)

akta.pro secondary industries

Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB), Travel & Accident (Non-Life) Insurance (FSAJAMAN), VIP/Executive Travel Desk & Concierge (Corporate) (THAKACAI)

Keywords

• Travel assistance services
• Travel medical insurance
• Emergency medical assistance
• Baggage protection coverage
• Trip cancellation insurance

Headquarters

HQ city

Ciudad

HQ country

Mexico

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Assistance Plans: Terrawind sells travel assistance plans to individual travelers, families, and groups. Plans are sold on a per-trip or multi-trip basis. Coverage includes medical assistance, baggage delay/loss, trip cancellation, telemedicine, pet hotel, and more. Plans are priced based on destination, trip duration, number of travelers, and traveler ages. Revenue is generated through one-time plan purchases for defined trip periods.
2. Annual Multi-Trip Plans: Multi-trip annual plans (e.g., up to 30, 60, or 90 days per trip) provide recurring revenue through annual subscriptions covering multiple trips per year for the same traveler.
3. Upgrade Add-ons: Additional optional upgrades expand coverage for electronics, cancellation protection, pet assistance, multisport, theme park tickets, and more. These are add-on purchases layered on top of base plans.
4. Group and Corporate Plans: Dedicated plans for corporate travelers and student exchange programs, sold through sales advisors with customized product configurations.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Terrawind Global Protection sells per-trip and annual travel assistance plans covering emergency medical costs (USD 10,000 to USD 80,000+ coverage levels), baggage delay/loss, trip cancellation, telemedicine, pet hotel, COVID-19, and pre-existing condition coverage. Services are delivered 24/7/365 in the traveler's own language through certified doctors and a global network of providers in 150+ countries, with the TWGo! mobile app providing direct access to assistance, telemedicine, and a digital wallet for travel vouchers. Plans are sold directly online, via the TWGo app, through travel agencies using the SETW issuance portal, and through co-branded pages with Latin American football clubs.

Product overview

Terrawind Global Protection is a travel assistance and insurance company that operates a platform-plus-modules architecture. The core offering consists of a mobile application (TWGo! App) and a network of travel assistance plans organized by trip type: Viajes Cortos (Short Trips), Planes Familiares (Family Plans), Planes Multiviajes Anual (Annual Multi-Trip Plans), Largas Estadías (Long Stay Plans), Planes Ejecutivos (Executive Plans), Planes Cruceros (Cruise Plans), Viajes Deportivos (Sports Travel Plans), Planes Nacionales (National Plans), and Promociones (Promotional Plans). These plans are complemented by a suite of optional Upgrades (add-on modules) including Cancellation Assistance, Electronics Protection, Multi-Sport Coverage, Pet Assistance, COVID PLUS Quarantine Coverage, Theme Park Coverage, Bebé a Bordo (Expectant Mother Coverage), and Family Care (Home/Vehicle Assistance). The platform also includes AI-powered Terrawind Medical Scanner (TMS) for vital sign measurement via the TWGo! app, a telemedicine consultation service, baggage tracking notifications, and the SETW agency issuance system. The company also offers co-branded plans in partnership with Latin American football clubs.

Differentiator

Problem solved

Functional benefit

Brands

• TWGo!: Mobile application for travelers providing quick assistance access, telemedicine services, travel plan management, and real-time notifications from the assistance center.

Products and services

• Viajes Cortos (Short Trips) Plans Travel assistance plans for solo or couple travelers taking short domestic or international trips up to 30 days, providing emergency medical coverage, baggage protection, and travel inconvenience coverage.
• Planes Familiares (Family Plans) Travel assistance plans designed for families traveling together, offering coverage for multiple family members under a single plan with medical coverage up to USD 60,000/EUR 40,000 per accident or illness, trip cancellation/interruption up to USD 600, and baggage loss compensation up to USD 1,200.
• Planes Multiviajes Anual (Annual Multi-Trip Plans) Annual subscription-style travel assistance plans covering multiple trips throughout the year with options for up to 30, 60, or 90 days of coverage per trip, providing continuous protection for frequent travelers.
• Largas Estadas (Long Stay) Plans Travel assistance plans for extended trips of 61 to 365 days, offered with pricing structured to be more convenient than repeated short-trip plans, including options that meet visa requirements (e.g., Schengen EUR 30,000 minimum).
• Planes Ejecutivos (Executive Plans) Travel assistance plans for business travelers and executives offering executive-level coverage including executive substitution services (economy-class airfare and hotel for a company-designated substitute when the executive is hospitalized) and other premium benefits.
• Planes Cruceros (Cruise Plans) Specialized travel assistance plans for cruise travelers covering medical emergencies, cruise-specific delays, and related incidents while aboard cruise ships.
• Viajes Deportivos (Sports Travel Plans) Travel assistance plans for sports travelers and competitions, including FCC Cycling plans covering cyclists for short stays (up to 30 days, USD 70,000 medical coverage) and long stays (30-365 days, USD 60,000 coverage), with accident protection and baggage compensation.
• Planes Nacionales (National Plans) Travel assistance plans for residents traveling within their country of residence, covering domestic travel incidents with options for single or multiple annual trips.
• Promociones (Promotional Plans) Special promotional travel assistance plans offered at discounted rates through partnerships with sports clubs, federations, and other organizations.
• Co-Branded Sports Club Plans Co-branded travel assistance plans offered through Latin American football club partnerships, including Plan Embajador 30K/60K for Millonarios FC fans, Tuzo Nacional and Tuzo Mundial for Club Pachuca, BLANCO-BLANCO 30K/60K and COMBO Once 60K for Once Caldas, GLOBAL PROTECTION and SHIELD plans for Everton Viña del Mar, and equivalents for Liga Deportiva Universitaria de Quito, Club Atlético Talleres de Córdoba, Club Puebla, and Liverpool FC.
• TWGo! Mobile App Mobile application for iOS and Android that gives travelers quick access to telemedicine, request assistance, view plan details, receive notifications from the assistance center, locate Terrawind offices, and store travel vouchers in a digital wallet; downloadable from Google Play and App Store.
• SETW Agency Issuance System Web-based self-service portal for travel agencies to quote, issue, and manage travel assistance plans and vouchers, with vouchers generable in as little as 40 seconds.
• Terrawind Medical Scanner (TMS) AI-powered pre-checkup feature within the TWGo! app that uses remote photoplethysmography (rPPG) via smartphone camera to measure vital signs (heart rate, blood pressure, pulse oximetry, respiratory frequency) from facial scanning, helping physicians determine if in-person medical assistance is needed.

Quantifiable outcome

• Medical reimbursement processed in under 10 days for international travelers
• +2 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability7 records

Feature2 records

Partnerships

24 partnerships are on record, tiered core, flagship and minor.

• Terra Protection Group (USA)coreStrategic or Co-development Partner · 1 January 2019Terra Protection Group in the United States acquired Terrawind (then April Group) in 2019. Terra Protection Group is the parent company of Terrawind Global Protection, providing strategic oversight and ownership of the travel assistance brand across Latin America.
• Pan American LifecoreOthersPan American Life is listed as one of the backing insurance companies for Terrawind's travel assistance benefits. Pan American Life provides the insurance backing and financial strength behind some of Terrawind's assistance services.
• Berkshire Hathaway Travel ProtectioncoreOthersBerkshire Hathaway Travel Protection insures Terrawind's associated operations in the United States, contributing to the financial backing of services provided to US travelers. Berkshire Hathaway's strong financial rating supports the reliability of Terrawind's US coverage.
• Crum & Forster (C&F)coreOthersCrum & Forster insures Terrawind's associated operations in the United States alongside Berkshire Hathaway Travel Protection and Ingle International, providing a layer of financial security for US-region services.
• Ingle InternationalcoreOthersIngle International is a partner insurer for Terrawind's US operations, contributing to the multi-insurer financial backing that supports Terrawind's service reliability across 150+ countries.
• Millonarios FCflagshipGTM or Marketing PartnerOfficial sponsor and GTM partner. Terrawind provides exclusive travel assistance plans at discounted rates for Millonarios FC fans. A co-branded website page (millonarios.twglobalprotection.com) offers fan-specific plans including the Ambassador Plan 30K (USD 30,000 medical coverage) and Ambassador Plan 60K (USD 60,000), with the latter at 50% off. Terrawind activates at stadium events including Falcao's presentation and participates in Copa América coverage.
• Club Pachuca (Los Tuzos)flagshipGTM or Marketing PartnerOfficial sponsor of Club Pachuca FC. A co-branded page (clubpachuca.twglobalprotection.com) offers Tuzo Nacional (USD 10,000 regional) and Tuzo Mundial (USD 60,000 worldwide) plans with benefits including COVID-19 coverage up to age 85, pre-existing condition coverage, pet hotel, and electronics protection.
• Everton de Viña del MarflagshipGTM or Marketing PartnerOfficial sponsor of Everton de Viña del Mar (Chile). Co-branded plans at 40% discount for fans include INTERWORLD 35K (USD 35,000), GLOBAL PROTECTION 65K (USD 65,000 with pet hotel USD 10/day), and SHIELD 80K (USD 80,000 with USD 1,000 cancellation and USD 5,000 amateur sports coverage).
• Once Caldas (Blanco-Blanco)flagshipGTM or Marketing PartnerOfficial sponsor of Once Caldas. A co-branded page (oncecaldas.twglobalprotection.com) offers BLANCO-BLANCO 30K, BLANCO-BLANCO 60K, and COMBO Once 60K (family plan at 50% off) plans with medical coverage from USD 30,000 to USD 60,000.
• Club Puebla FCcoreGTM or Marketing PartnerSponsor of Club Puebla FC in Mexico's Liga MX. Offers co-branded travel assistance plans to the club's fan base through a dedicated page (pueblafc.twglobalprotection.com).
• Liga Deportiva Universitaria de Quito (LDU)flagshipGTM or Marketing PartnerStrategic commercial and sports alliance with one of Ecuador's most prestigious football clubs. LDU Quito has a co-branded site (lduecuador.twglobalprotection.com) with plans for fans and the cycling federation (Federación Colombiana de Ciclismo).
• Club Atlético Talleres de CórdobaflagshipGTM or Marketing PartnerStrategic alliance with Talleres de Córdoba in Argentina, with Terrawind branding on the team's jersey. The partnership extends to Copa Libertadores and Supercopa competitions, with co-branded page (clubtalleres.twglobalprotection.com).
• Liverpool FCcoreGTM or Marketing PartnerListed as a partner on the Terrawind partners page, with a co-branded site (liverpool.twglobalprotection.com). Liverpool FC is a major football club in Uruguay.
• Federación Colombiana de CiclismocoreGTM or Marketing PartnerOfficial international travel assistance provider for Colombian cycling. Co-branded site (federacioncolombianadeciclismo.twglobalprotection.com) offers FCC Cycling LE (USD 60,000 for 30-365 days) and FCC Cycling 70K (USD 70,000 for up to 30 days) plans tailored to cyclists.
• GNP SeguroscoreOthersGNP Seguros is a major Mexican insurance company listed as a partner. The partnership provides additional insurance capacity and potentially co-distribution within the Mexican market.
• M&M Group (Club Elite Ambassador)coreStrategic or Co-development PartnerTerrawind and M&M Group (Club Elite Ambassador) strengthened travel assistance through innovative coverage and 24/7 technology. The partnership introduced new coverage plans, family plans, pet protection, and electronic device coverage for travelers aged 0-99.
• Budget Car RentalminorOthersListed as a partner on the Terrawind partners page, suggesting a referral or cross-promotional relationship for car rental services bundled with travel assistance.
• AvisminorOthersListed as a partner on the Terrawind partners page, suggesting a referral or cross-promotional relationship for car rental services bundled with travel assistance.
• Hola Car RentalsminorOthersListed as a partner on the Terrawind partners page, suggesting a referral or cross-promotional relationship for car rental services bundled with travel assistance.
• VolariscoreGTM or Marketing PartnerVolaris airline partnered with Terrawind for promotional caravans in Colombian cities (Bogotá, Tunja, Villavicencio), promoting travel packages with Terrawind's assistance coverage bundled with Volaris flights to destinations including Acapulco.
• Royal HolidayminorOthersListed as a partner on the Terrawind partners page, suggesting a vacation/membership club cross-promotional relationship.
• Grupo BimbominorOthersListed as a partner on the Terrawind partners page. The nature of the partnership is not specified in available sources.
• EAN UniversidadminorOthersEAN Universidad in Colombia is listed as a partner, potentially providing student travel programs or corporate wellness benefits.
• SEDENAminorOthersMexico's Secretaría de la Defensa Nacional is listed as a partner on the Terrawind partners page.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Seven Corners: US-based travel and international health insurance provider. Comparable on travel medical, long-stay, and student segments; competes for cross-border LatAm and US-bound travelers.
• World Nomads: Global travel insurance provider focused on independent and adventure travelers. Comparable product set (medical, baggage, cancellation) with strong digital D2C experience; competes with Terrawind in international LatAm outbound and Spanish-language markets.
• HeyMondo: Spanish-founded digital-first travel insurance company selling in Spain and LatAm. Comparable product set with modern UX, and increasingly competing for the same outbound Spanish-speaking customer base.
• IMG Global (International Medical Group): US-based travel medical insurance specialist serving international travelers, students, and expatriates. Comparable on travel medical coverage products, long-stay plans, and global provider network.
• IATI Seguros: Spanish travel insurance company serving Spanish-speaking leisure and student travelers, including Schengen-compliant plans. Directly comparable on student/exchange, leisure, and price-sensitive traveler segments where Terrawind competes.
• Assist Card: Latin America's largest dedicated travel assistance company, with operations across the region. Most directly comparable peer to Terrawind in product (medical, baggage, cancellation), distribution (travel agencies, direct), and target customer (LatAm outbound leisure and corporate travelers).

Broad incumbents

• AXA Assistance: Global assistance and travel insurance provider owned by AXA. Comparable on medical assistance and 24/7 multilingual support; competes broadly across LatAm and globally as part of AXA's wider insurance portfolio.
• Allianz Travel: Global travel insurance arm of Allianz, one of the largest insurers worldwide. Offers overlapping products (medical, cancellation, baggage) across all major LatAm markets through airline, OTA, and direct channels — competes with Terrawind but as part of a much broader P&C portfolio.

Others

• April International (formerly Coris Group / April Group): French-headquartered international insurance and assistance group, the corporate successor of the original Coris Group entity that became Terrawind. Historically directly comparable on product; now sits on the seller side of the 2019 divestiture rather than competing head-to-head.

Emerging players

• SafetyWing: Digital-first nomad and frequent traveler insurance company with subscription pricing. Overlaps with Terrawind's annual multi-trip and long-stay segments and represents a different delivery model (fully digital, app-first) competing for similar customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCOjIl5Baw4nE0rrNSOseI7w
• Facebookfacebook.com/TWGlobalProtection
• LinkedInlinkedin.com/company/terrawind-global-protection
• Instagraminstagram.com/twglobalprotectionoficial
• Xx.com/terrawindgp

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Terrawind Global Protection