Student Insurance

What Student Insurance does

Student Insurance is a U.S. insurance agency and broker founded in 1950 that distributes insurance products to K-12 schools, community colleges, universities, individual students, and international students. Operating as a division of Venbrook Insurance Services LLC (a wholly-owned subsidiary of Venbrook Group LLC) and headquartered in Woodland Hills, California, the company functions as an intermediary between educational institutions/students and a panel of major carriers including Anthem Blue Cross, Aetna, Cigna, Ameritas, IMG, Tokio Marine, Guardian, and others. Its portfolio spans student and athlete accident insurance, student health insurance, international and study-abroad health insurance, dental, vision, telehealth, pet, and renters coverage, sold via direct sales to school administrators and online self-service enrollment for individuals and parents.

The company's central proprietary asset is the Student/Athlete Insurance Network (S.A.I.N.), a claims-pooling program that aggregates experience across approximately 80% of California community colleges and a student population exceeding 2.5 million, providing a more stable premium rate structure through actuarial scale. S.A.I.N. operates under a 25-year exclusive arrangement with Anthem Blue Cross, whose Preferred Provider Network provides 100% treatment coverage for enrolled students. Distribution is concentrated through an exclusive authorized provider relationship with the Community College League of California (CCLC), supplemented by corporate sponsorships with ACBO, CCBO, NAFSA, and CASBO. Pricing is quote-based and not publicly disclosed; revenue is generated via recurring premiums/commissions from schools, districts, and individual students, with add-on modules (telehealth under $1/day, dental, vision, pet, renters) layered onto the core coverage.

The business model is sales-led and vertically segmented by education level. Headcount is reported at 1,001-5,000 employees, and the company has claimed 100% revenue growth over the past three years, culminating in a 75th anniversary milestone in 2026. That same year, Student Insurance executed its first material geographic expansion, adding Minnesota, New York, and New Jersey to its historical California-only footprint for the 2026-2027 school year. The Ben Hub marketplace and partner-led telehealth, pet, and renters integrations represent early moves to broaden wallet share beyond core health and accident products, though no proprietary AI/ML or modern technology stack is documented.

Name

Student Insurance

Legal name

Youth Insurance Agency, Inc.

Website

https://studentinsuranceusa.com

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Student Insurance is a U.S. insurance agency, founded in 1950 and a division of Venbrook Insurance Services, that distributes health, accident, and supplemental coverage to K-12 schools, community colleges, universities, and individual students primarily in California via its S.A.I.N. claims-pooling network.

Ownership category

akta.pro rank

Product category

Education Insurance Services

NAICS

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

SIC

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

akta.pro primary industry

Student Health Insurance Plans (University-Sponsored) (FSAIAFAI)

akta.pro secondary industries

Student Health Insurance Plans (Individual Market) (HLAEABAI), Student & Study-Abroad Travel/Accident Insurance (FSAJAJAJ), International Student Health & Travel Insurance (EDAIAMAA), Student Health Insurance & Benefits Administration (EDALAFAL)

Keywords

• Student health insurance
• School accident coverage
• Student athlete insurance
• International student insurance
• Education insurance agency

Headquarters

HQ city

Woodland Hills

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Student Health and Accident Insurance: Provides various insurance plans for K-12 through university students including health insurance, accident coverage, dental, vision, telehealth, pet insurance, and renters insurance. Revenue is generated through insurance premiums paid by schools, districts, and individual students/parents.
2. Group/Corporate Coverage: Provides insurance programs to educational institutions (K-12 schools, community colleges, universities) as group coverage, with schools paying premiums on behalf of students.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Student Insurance is a specialized insurance agency that distributes and administers student-focused insurance products to K-12 schools, community colleges, and universities, as well as to individual students and parents. Its portfolio spans K-12 student accident insurance, student and athlete accident insurance (delivered through the proprietary S.A.I.N. claims-pooling network), student health insurance, international student health insurance, study abroad insurance, and complementary offerings such as dental, vision, telehealth, pet, and renters insurance.

Product overview

Student Insurance operates as an insurance agency and broker offering a comprehensive portfolio of insurance products and services for students from K-12 through university level. The core product lineup includes K-12 Student Accident Insurance and Student & Athlete Accident Insurance (the latter including the proprietary S.A.I.N. claims-pooling network), alongside Student Health Insurance and International Student Health Insurance for visa holders. The portfolio extends through add-on modules including Telehealth, Dental Insurance, Student Vision Insurance, Pet Insurance (via Spot Pet), and Renters Insurance (via MSI), with Guardian serving as partner for dental and vision. The Ben Hub marketplace provides an integrated savings platform. The company partners with major carriers including Anthem Blue Cross, Aetna, Cigna, IMG, Ameritas, and Tokio Marine to deliver coverage options, and serves as the only authorized insurance provider for the Community College League of California (CCLC). Founded in 1950, the company has grown to become one of the largest insurers of primary and secondary schools in California and across the United States.

Differentiator

Problem solved

Functional benefit

Brands

• S.A.I.N. (Student Athlete Insurance Network): A network product providing student and athletic insurance coverage, successfully serving California's community colleges for over 25 years.
• SAIN (Sports Accident Insurance Network)

Products and services

• K-12 Student Accident Insurance Accident coverage for K-12 students during school time, interscholastic sports, football (grades 9-12), 24-hour coverage, and 24-hour dental (up to $25,000 maximum benefit). Sold to primary and secondary schools and districts and to individual parents.
• Student & Athlete Accident Insurance Mandatory and catastrophic accident insurance for college students and student athletes, including the S.A.I.N. program. Catastrophic coverage up to $5,000,000 per injury/accident with up to 10-year or Lifetime Benefit Period. Delivered through the S.A.I.N. claims-pooling network serving approximately 80% of California community colleges.
• Student Health Insurance Comprehensive health insurance for community college and university students featuring preventive care with no out-of-pocket costs, prescription drug coverage, doctor visits, hospital care, urgent and emergency care, behavioral health support, and 24/7 video doctor access. Add-on dental and vision available.
• International Student Health Insurance Health insurance for international students on F-1, J-1, J-2, and M-1 visas covering prescription drugs, behavioral health, and pre-existing conditions. Meets F1 and J1 visa requirements and U.S. program compliance.
• Study Abroad Health Insurance Travel insurance for students studying abroad, providing financial assistance for unexpected illness, injury, or trip cancellation.
• Telehealth 24/7 telemed access for diagnosis, treatment, second opinions, and consultations, with wellness coaching and prescription savings. Available for less than $1 per day, covering individual + spouse or child and a family plan for up to 6 members.
• Dental Insurance Dental care insurance offered in partnership with Guardian, providing affordable and accessible dental coverage centered on student well-being.
• Student Vision Insurance Vision insurance offered in partnership with Guardian, including routine check-ups and allowances for prescription glasses or contacts.
• Pet Insurance Pet insurance offered in partnership with Spot Pet Insurance, providing exclusive student discounts on comprehensive coverage including accident, illness, and preventative care.
• Renters Insurance Renters insurance offered in partnership with MSI, protecting college students' personal property (computers, cell phones, textbooks, clothing, bicycles) from theft, vandalism, fire, and other incidents.
• Ben Hub Marketplace Personal savings marketplace offering exclusive discounts, travel deals, and savings from various brands for students enrolled through Student Insurance.

Quantifiable outcome

• Serves roughly 80% of California community colleges
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

14 partnerships are on record, tiered flagship and core.

• AnthemflagshipStrategic or Co-development Partner · 26 May 2026Exclusive 25-year partnership with Anthem through the Sports Accident Insurance Network (SAIN). Anthem Blue Cross Preferred Provider Network provides 100% coverage for S.A.I.N. plan treatments.
• AetnacoreTechnology or IntegrationPremier carrier partner providing healthcare choices for schools and students.
• AmeritascoreTechnology or IntegrationPremier carrier partner providing dental insurance options.
• CignacoreTechnology or IntegrationPremier carrier partner providing healthcare coverage options.
• IMG (International Medical Group)coreTechnology or IntegrationPremier carrier partner providing international student health insurance.
• Tokio MarinecoreTechnology or IntegrationPremier carrier partner providing insurance coverage options.
• SMICcoreTechnology or IntegrationPremier carrier partner providing insurance coverage options.
• Community College League of California (CCLC)flagshipStrategic or Co-development PartnerOnly authorized insurance provider for CCLC, the organization representing all community colleges in the State of California.
• ACBO (Association of California School Business Officials)coreGTM or Marketing PartnerProfessional relationship and corporate sponsorship with ACBO.
• CCBO (California Community College Business Officials)coreGTM or Marketing PartnerProfessional relationship and corporate sponsorship with CCBO.
• NAFSA: Association of International EducatorscoreGTM or Marketing PartnerProfessional relationship and corporate sponsorship with NAFSA.
• CASBO (California Association of School Business Officials)coreGTM or Marketing PartnerProfessional relationship and corporate sponsorship with CASBO.
• GuardiancoreTechnology or IntegrationPartnered with Guardian to offer individual vision insurance designed to support student eye health, including routine check-ups and allowances for glasses or contacts.
• GuardiancoreTechnology or IntegrationPartnered with Guardian to offer students high-quality dental care that is affordable, accessible, and centered around well-being.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Academic HealthPlans (AHP): Academic HealthPlans is a specialist insurance agency focused exclusively on student health plans at colleges and universities across the United States. It is the most direct comparable to Student Insurance in terms of customer base (higher education institutions) and product mix (student health, international student, and study-abroad coverage).
• Wellfleet (Wellfleet Student Health): Wellfleet is a Berkshire Hathaway-backed insurance carrier and administrator specializing in student health insurance for colleges and universities. It competes head-to-head with Student Insurance on the institutional student health plan product and serves many of the same community college and university customers.
• International Medical Group (IMG): IMG is a leading carrier and administrator of international student and travel health insurance, including products tailored for F-1, J-1, and study-abroad programs. Student Insurance currently partners with IMG as a premier carrier, but IMG also distributes directly, making it both a partner and a direct competitor in the international student segment.

Broad incumbents

• Gallagher Student Health & Special Risk: Arthur J. Gallagher's Student Health & Special Risk practice is one of the largest brokers of student accident, health, and athletic insurance for K-12 schools and colleges nationally. It overlaps directly with Student Insurance's K-12 and intercollegiate sports coverage product lines and competes on institutional RFPs across multiple states.
• Hub International: Hub International is a large global insurance brokerage with established education and student insurance practices serving K-12 districts and higher education institutions. Its scale and multi-state footprint overlap with Student Insurance's expansion plans in Minnesota, New York, and New Jersey.
• Brown & Brown: Brown & Brown is a diversified insurance brokerage with dedicated education sector capabilities, distributing student and athletic insurance products nationally. It competes for the same institutional RFPs that Student Insurance targets, particularly for K-12 and intercollegiate athletic programs.
• Relation Insurance Services: Relation Insurance Services is a national insurance brokerage that operates across education, public entity, and student insurance verticals. It is comparable to Student Insurance in customer base (K-12 and higher education) and broader brokerage model, though it serves a wider portfolio of insurance products beyond student-focused lines.
• Anthem Blue Cross: Anthem is Student Insurance's exclusive 25-year SAIN partner and a major direct health insurer with deep community college and university relationships. It is comparable as both a partner and a potential competitor in California and in new expansion states, given its scale and provider network advantages.
• United Healthcare Student Resources: UnitedHealthcare Student Resources is the dominant national carrier-administrator of student health insurance plans, with a footprint across hundreds of universities and colleges. It competes head-to-head with Student Insurance and its carrier partners for institutional student health RFPs nationally.
• Marsh McLennan: Marsh McLennan is one of the largest global insurance brokerages with a public entity and education practice that distributes student and athletic insurance to K-12 districts and higher education institutions. It is comparable in business model (brokerage distribution) but operates across a much broader portfolio of insurance lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/people/Student-Insurance/100063723242993
• LinkedInlinkedin.com/company/student-insurance
• Instagraminstagram.com/student.insurance

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 Student Insurance