Insurance Services of America

What Insurance Services of America does

Insurance Services of America (ISA) is a privately held, family-owned independent insurance brokerage firm headquartered in Gilbert, Arizona, that has specialized in international travel insurance, trip protection, and short-term US medical insurance for American citizens for over 50 years. Rather than underwriting policies itself, ISA distributes and services insurance products on behalf of multiple carriers, with its primary relationships being with GeoBlue (Blue Cross Blue Shield) and Lloyd's of London, supplemented by access to Cigna Close Care, iTravelInsured, StudentSecure, and other branded plans. The company serves US citizens traveling abroad, expatriates and long-term overseas residents, missionaries and church groups, international students, and small organizations needing group coverage, with named organizational accounts including the International Center for Journalists (ICFJ) and Fellowship Travel International.

ISA's product portfolio spans three core categories — trip insurance, travel medical insurance, and long-term international health and life insurance — and includes more than 30 named plans such as Atlas America, Atlas International, Atlas MultiTrip, Day Tripper, WEA Signature, Beacon, iTravelInsured SE/LX, BlueCross BlueShield Global Multi-Trip/Single-Trip/Long-Term, Cigna Close Care, StudentSecure, USAway, Cavalry, Harbor, Ripcord Rescue, MedEvac LIOS, and Custom International Term Life and AD&D. The company also operates three wholly-owned affiliate microsites (BestShortTermPlan.com, MissionaryHealth.net, OverseasHealth.com) targeting short-term medical, missionary, and overseas-citizen segments, and supports a charitable arm, Least of These Ministries, founded by the ownership in 1999.

ISA's business model is commission-based brokerage revenue earned on policies placed with carrier partners. Go-to-market is sales-led and direct, operating through a website (insurancefortrips.com) and a phone-based client-advisor team available during Arizona business hours, with no third-party agent or retail distribution. There is no proprietary technology platform, no public API, no mobile app, and no disclosed AI/ML capabilities; the firm relies on human advisors for quoting, plan selection, and claims support, which it positions as a service differentiator. The company is private with no disclosed funding rounds, no M&A activity, and leadership concentrated among Bates family members (Adam Bates as Vice President) and a small set of client advisors serving a 60,000+ annual traveler base.

Name

Insurance Services of America

Legal name

Insurance Services of America

Website

https://insurancefortrips.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Insurance Services of America is a privately held, family-owned independent insurance brokerage in Gilbert, Arizona that distributes international travel insurance, trip protection, and short-term medical insurance from multiple carriers — including GeoBlue and Lloyd's of London — to US citizens traveling abroad, expatriates, missionaries, and student groups.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

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

SIC

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

akta.pro primary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Health, Travel & Tuition Insurance for Overseas Secondary Students (EDAIAHAJ), International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

Keywords

• Travel insurance brokerage
• International health insurance
• Trip cancellation insurance
• Travel medical insurance
• Expatriate health coverage

Headquarters

HQ city

Gilbert

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage firm, Insurance Services of America earns commissions from insurance providers for policies sold. They have longstanding relationships with major insurers including GeoBlue (Blue Cross) and Lloyd's of London, representing dozens of different international insurance plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Insurance Services of America is an independent insurance brokerage that sources and curates international travel insurance, trip protection, and short-term US medical insurance plans on behalf of individual travelers, expatriates, missionaries, students, and organizations. The firm shops across multiple carriers — including GeoBlue (Blue Cross Blue Shield), Lloyd's of London, Cigna, IMG, and other underwriters — to deliver named plans such as Atlas America, Day Tripper, iTravelInsured SE/LX, WEA Signature International Major Medical, BlueCross BlueShield Global Multi-Trip, StudentSecure, and High Limit Accidental Death Insurance. Customers purchase coverage either by calling a live client advisor or by completing quotes/apply flows on insurancefortrips.com.

Product overview

Insurance Services of America operates as an independent insurance brokerage firm offering a comprehensive portfolio of travel insurance and international health insurance products. The company does not underwrite insurance but shops across multiple providers on behalf of clients. The product portfolio includes three core product categories: Trip Insurance (covering trip cancellation, interruption, and cancel-for-any-reason), Travel Medical Insurance (covering emergency medical care and evacuation), and Long-Term International Health & Life Insurance (major medical for expatriates). The company offers numerous named insurance products including Atlas plans (Atlas America, Atlas International, Atlas MultiTrip), WEA Signature International Major Medical, Day Tripper (individual and group), iTravelInsured series, BlueCross BlueShield Global plans (Multi-Trip, Single-Trip, Long-Term/Xplorer), Cigna Close Care, TME Travel Insurance, StudentSecure, USAway, MedEvac LIOS, Cavalry, Harbor Travel, and Ripcord Rescue Travel. Additional specialized products include High Limit Accidental Death Insurance, International Assurance, International Freedom, International Major Medical, and Custom International Term Life/AD&D. Products primarily serve US citizens traveling abroad, foreign nationals visiting the US, expatriates, missionaries, students, and group travelers.

Differentiator

Problem solved

Functional benefit

Brands

• Least of These Ministries: A charitable initiative founded by the owners of Insurance Services of America in 1999, focused on meeting the physical, emotional and spiritual needs of orphaned children in Mozambique. Rebecca's Home Orphanage is part of this ministry with a mission to donate 100% of its proceeds to help orphans around the world.

Products and services

• Trip Insurance Trip insurance covering trip cancellation, trip interruption, and cancel-for-any-reason for US travelers protecting their prepaid travel investments.
• Travel Medical Insurance Emergency medical coverage, emergency medical evacuation benefits, and terrorism coverage for overseas travel.
• Long-Term International Health & Life Insurance Major medical insurance for US citizens living overseas, providing US-style health coverage for expat lifestyles.
• Atlas America International Travel Medical Budget-friendly medical insurance for foreign nationals visiting the US with coverage from 5 to 364 days, guaranteed issue with no health questions, covering COVID-19/SARS-CoV-2.
• Atlas International Travel Medical Budget-friendly medical insurance for US and non-US citizens traveling outside their home country with coverage from 5 to 364 days, guaranteed issue, satisfying visa requirements.
• Atlas MultiTrip Annual frequent traveler medical insurance featuring up to $1,000,000 medical maximum and $1,000,000 emergency medical evacuation for international trips up to 30 or 45 days, covering COVID-19.
• Atlas America International Medical Plan Popular insurance plan guaranteed for US citizens up to 74 years old, issued within one day with no health questions required.
• WEA Signature International Major Medical Plan Long-term coverage for US citizens traveling for 12 months or longer, with three coverage options, deductibles starting at $250, coverage up to $5 million, and up to 6 months US coverage.
• The Beacon Travel Medical Plan Comprehensive travel medical insurance with policy maximums up to $2,000,000 for travel outside the US, with optional extreme sports rider.
• Day Tripper Travel Medical Guaranteed issue travel medical insurance for non-US residents traveling outside their home country, covering COVID-19, with coverage from 5 to 364 days and no age limits.
• Day Tripper Group Travel Medical Group travel medical insurance for groups of 5 or more people traveling in or out of the US, covering COVID-19.
• International Assurance Travel Medical Plan Travel medical plan for groups of 2 or more with flat daily premium regardless of age, policy maximums up to $1,200,000, guaranteed instant issue, extendable up to 728 days.
• International Major Medical Insurance for foreign national residents in the US or foreign nationals traveling anywhere outside their home country, ages 0-84, medical maximum up to $1,000,000, issued from 1 day to 6 months.
• TME Travel Insurance Plan Customizable plan offering trip cancellation, travel medical, and emergency medical evacuation options for US residents traveling within or outside the USA, covering infectious diseases including COVID-19.
• StudentSecure Insurance designed for international students traveling inside or outside the United States with Select, Budget and Smart options covering emergency medical evacuation, sports, mental health, and maternity.
• USAway Travel Major Medical Coverage for US citizens traveling outside the USA including dangerous countries excluded by other travel medical plans, ages 0-80, medical maximum up to $5,000,000.
• iTravelInsured SE Travel protection plan providing trip cancellation up to 100% of trip cost, trip interruption up to 125%, travel delay, lost luggage, emergency medical evacuation, and repatriation.
• iTravelInsured LX Health insurance and trip cancellation insurance for individuals located in the US traveling in and out of the US, with comprehensive travel protection benefits.
• BlueCross BlueShield Global Multi-Trip Annual health and accident insurance for frequent international travelers covering all international trips up to 70 days duration per trip in a 364-day period, with $500,000 medical coverage.
• BlueCross BlueShield Global Single-Trip Short-term international travel health insurance and assistance with up to $1,000,000 medical/$500,000 evacuation, up to 180 days coverage, with COVID-19 coverage included.
• BlueCross BlueShield Global Long-Term (Xplorer) Expatriate health insurance for global living with worldwide protection, pre-existing conditions covered with credible coverage, $50,000 AD&D benefit, unlimited annual lifetime medical maximum.
• MedEvac with Optional $100,000 Travel Medical Coverage - LIOS Emergency medical evacuation coverage for US citizens traveling within or outside the USA more than 150 miles from home, infectious diseases including COVID-19 covered, $500,000 medical evacuation, air transport to hospital of choice.
• iTravelInsured Series Travel protection plans including Travel Lite, Travel SE, and Travel LX providing trip cancellation, baggage delay, trip interruption, quarantine coverage, and coverage for up to age 99.
• Cigna Close Care Plan Health insurance limited to country of residence and visits home, providing access to network of trusted hospitals and physicians with annual benefit maximum of $500,000.
• High Limit Accidental Death Insurance Accidental death protection for missionaries, travelers, contractors in war zones, and hazardous occupations with coverage limits up to $50,000,000 or more, including war and terrorism options.
• International Freedom Insurance Plan Coverage for individuals and families traveling outside their home country up to 180 days at $1.74 per day flat rate, with $100,000 medical maximum and $500,000 emergency medical evacuation.
• Atlas Professional Plan providing benefits beyond medical insurance for those traveling for less than 31 days, offering additional protections for business and professional travelers.
• International Travel Atlas Plan Endorsed by Fellowship Travel International, providing $100,000 medical coverage with $100 deductible and $25,000 AD&D for international travelers.
• Cavalry Travel Insurance High-end travel insurance with evacuation protection to bring travelers home, $100,000 emergency medical coverage, trip cancellation up to 100% of trip cost, pre-existing conditions covered if purchased within 14 days of initial deposit.
• Harbor Travel Insurance Budget-minded travel insurance with pre-existing conditions waiver, no deductible, guaranteed issue, $100,000 emergency medical expense, $250,000 emergency medical evacuation.
• Ripcord Rescue Travel Insurance Adventure-focused travel insurance with emergency medical evacuation and rescue up to $750,000, security evacuation, integrated emergency services to travel assistance and insurance claims.
• Custom International Term Life and AD&D Insurance Custom term life and accidental death and dismemberment insurance taking into account unique risks of living and working abroad including political unrest, war, terrorism, and kidnapping.

Quantifiable outcome

• Over 60,000 travelers insured annually
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• GeoBlue (Blue Cross Blue Shield)coreTechnology or IntegrationGeoBlue is the primary insurer represented by ISA. They provide BlueCross BlueShield Global Multi-Trip, Single-Trip, and Long-Term expatriate health insurance plans. GeoBlue is described as one of the main insurers alongside Lloyd's of London.
• Lloyd's of LondoncoreTechnology or IntegrationLloyd's of London is the primary insurer represented by ISA, described as 'the world's oldest and largest health insurance market.' Multiple plans underwritten by Lloyd's including Day Tripper, Atlas plans, and High Limit Accidental Death Insurance. Lloyd's is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P.
• Live and Invest OverseasminorGTM or Marketing PartnerLive and Invest Overseas is recommended by ISA for 'Live and Invest Overseas' clients. ISA is proud to be recommended by this organization for international health insurance services.
• Fellowship Travel InternationalminorGTM or Marketing PartnerFellowship Travel International endorses the Atlas Plan offered through ISA. The Atlas Plan is specifically recommended for FTI missionary travelers.
• International Center for Journalists (ICFJ)coreChannel Partner/ Reseller/ DistributorISA provides dedicated travel insurance plans for ICFJ staff. For staff in the US, iTravelInsured LX is offered; for staff outside the US, Day Tripper coverage is provided. Adam Bates serves as the dedicated client advisor for ICFJ accounts.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Seven Corners: Travel medical insurance carrier and administrator specializing in international travel, expatriate, and student health plans. Sells directly and through brokers, overlapping with ISA's Atlas, StudentSecure, and long-term expat products.
• Travel Insured International: Specialty travel insurance provider offering trip cancellation, travel medical, and group plans distributed direct-to-consumer and through agents. Comparable niche focus on travel protection products serving individual travelers and groups.
• Tokio Marine HCC: Specialty insurer (formerly HCC Medical Insurance) issuing Atlas International, Atlas America, and StudentSecure — products that ISA also distributes, making it both a partner and direct peer in the international travel medical market.
• International Medical Group (IMG): Underwrites and distributes international travel medical, expatriate, and student health insurance products (Patriot, GlobeHopper, Student Health Advantage). Closely comparable to ISA's portfolio across traveler, expat, and student segments.
• World Nomads: Specialist international travel insurance provider focused on adventure and long-term travelers, offering single-trip and annual plans similar to ISA's Atlas portfolio. Both compete in the same niche travel-medical brokerage/underwriting space serving US outbound and global travelers.

Others

• GeoBlue: ISA's primary carrier partner for BCBS Global Multi-Trip, Single-Trip, and Long-Term plans. Functions as both a critical distribution partner and a direct competitor when GeoBlue sells BCBS Global products directly through its own channels.

Broad incumbents

• Allianz Travel Insurance: Dominant incumbent in US travel insurance with broad trip cancellation, travel medical, and group products. Overlaps with ISA's trip and travel-medical categories but at much larger scale, with embedded distribution via airlines and OTAs.
• AIG Travel: Large multinational travel insurance carrier offering individual and group travel protection globally. Overlaps ISA on trip cancellation and travel medical categories but as part of AIG's broader commercial and consumer portfolio.
• Cigna Global Health: Major international health insurance carrier for expatriates and globally mobile individuals. Directly competes with ISA on long-term international major medical (ISA distributes the Cigna Close Care Plan and competes via WEA Signature, BCBS Xplorer).

Emerging players

• SafetyWing: Digital-first insurance provider targeting digital nomads, remote workers, and expats with subscription-based travel and health products. Represents the emerging digital-native threat to ISA's traditional brokerage/advisor model in the long-term traveler segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 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 Insurance Services of America