The Wallach Company

What The Wallach Company does

The Wallach Company (legal entity Wallach & Company, Inc.) is a privately held Virginia corporation headquartered in Middleburg, Virginia that provides specialized travel medical insurance products for international travelers. Operating for over 30 years (founded circa 1993 per company history), the firm has built a tightly focused product portfolio consisting of four plans: HealthCare Abroad (short-term coverage for Americans overseas, up to $500,000 in benefits), HealthCare Global (2-26 week coverage for Americans and foreign nationals traveling outside home countries excluding the US, up to $250,000), HealthCare America (10-184 day coverage for foreign nationals visiting the US, up to $250,000), and HealthCare International (6-12 month expatriate coverage, up to $1,000,000). All plans include 24/7 worldwide assistance coordination with multi-lingual advisors, direct payment to medical providers, medical evacuation, and repatriation of remains.

The underlying platform combines an online application and e-commerce website (wallach.com) with a human-staffed assistance network that coordinates direct hospital payment, medical evacuation, and emergency communications. Products are underwritten by the International Sojourners Insurance Trust rather than by Wallach directly. The technology stack consists of standard web infrastructure (WordPress, Google Analytics, Authorize.Net payment processing, Comodo SSL), with no API or developer-facing integrations. The company holds an EU-U.S. Privacy Shield certification and restricts sales in five US states (Louisiana, Maine, New York, Vermont, Washington).

The business model is a direct-to-consumer insurance broker generating revenue from per-policy premiums (priced by age, duration, deductible, and geographic destination area), recurring monthly premiums for the long-term expatriate plan, optional add-on premiums (trip cancellation at 6% of requested coverage, additional AD&D, high-risk destination surcharges), and fixed enrollment fees of $9.99-$15.00 per application. A partner referral program supplements direct website and telephone sales with channel distribution through insurance professionals and travel agents who use partner-specific tracking links. Headcount is reported as 1-10 employees.

Name

The Wallach Company

Legal name

Wallach & Company, Inc.

Website

https://wallach.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

The Wallach Company provides specialized travel medical insurance for Americans traveling overseas, foreign nationals visiting the United States, and long-term expatriates, operating a direct-to-consumer distribution model from Middleburg, Virginia for over 30 years.

Ownership category

akta.pro rank

Product category

Travel Medical Insurance

NAICS

Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Travel medical insurance
• International health insurance
• Medical evacuation coverage
• Expatriate medical insurance
• Visitor health insurance

Headquarters

HQ city

Middleburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Medical Insurance Premiums: Wallach & Company generates revenue through insurance premiums charged to customers purchasing travel medical insurance coverage. Premiums are calculated based on coverage duration (per day, per week, or per month), age of applicant, deductible selected, and geographic destination area. The company offers four main insurance products with different pricing structures.
2. Optional Coverage Add-ons: Additional revenue streams from optional coverage add-ons including Trip Cancellation and Curtailment Benefit (premium = coverage requested x 0.06), Additional Accidental Death and Dismemberment coverage ($100,000 increase), and High Risk Destination Coverage (additional premium for high-risk zones).
3. Enrollment Fees: Mandatory enrollment fees are charged per policy application, typically $9.99 or $15.00 depending on the insurance product.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

The Wallach Company provides international travel medical insurance for Americans traveling overseas and foreign nationals visiting or living abroad, distributed under four product brands: HealthCare Abroad (short-term), HealthCare Global (2–26 weeks), HealthCare America (foreign visitors to the U.S.), and HealthCare International (6–12 month expatriate coverage). Each policy is bundled with 24/7 multilingual worldwide assistance, direct hospital payment coordination, medical evacuation, and repatriation of remains, with premiums calculated by age, deductible, destination area, and coverage duration.

Product overview

The Wallach Company offers a suite of four global medical insurance products under the HealthCare brand: HealthCare Abroad (short-term coverage for Americans overseas, up to $500,000), HealthCare Global (2-26 weeks coverage for travelers excluding the US, up to $250,000), HealthCare America (10-184 days coverage for foreign nationals visiting the US, up to $250,000), and HealthCare International (6-12 months coverage for long-term expatriates, up to $1,000,000). All plans include 24/7 international assistance services, medical evacuation, and repatriation of remains. The company also offers optional add-ons including trip cancellation, additional AD&D coverage, and spouse/dependent coverage on select plans.

Differentiator

Problem solved

Functional benefit

Brands

• HealthCare Abroad: Short term medical insurance, medical evacuation and international assistance for Americans traveling overseas.
• HealthCare Global
• HealthCare America
• HealthCare International

Products and services

• HealthCare Abroad

Quantifiable outcome

• Coverage limits ranging from $250,000 to $1,000,000 depending on product
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Partner Program MembersminorChannel Partner/ Reseller/ DistributorWallach & Company operates a partner program for insurance professionals and travel industry partners who wish to sell travel medical insurance. Partners receive a unique Partner ID and can generate partner-specific links from their websites to wallach.com. The program is designed for insurance professionals who understand the benefits of travel medical insurance and can educate customers about coverage needs.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• International Student Insurance (ISIC partner plans): International Student Insurance specializes in health and travel insurance for international students studying abroad and exchange visitors. They overlap with Wallach's HealthCare Global product (which covers foreign nationals traveling outside their home countries) on the study-abroad segment, with similar age caps and plan durations.
• Insubuy: Insubuy is an online insurance aggregator and broker specializing in visitor health insurance, travel medical, and international student coverage in the U.S. market. They compete with Wallach's HealthCare America and inbound traveler products through a similar direct-to-consumer, SEO-driven acquisition model.
• VisitorsCoverage: VisitorsCoverage is a digital marketplace/agency that aggregates travel medical and visitor insurance plans from multiple carriers for inbound visitors to the U.S. and outbound travelers. They overlap with Wallach's HealthCare America (inbound foreign nationals) and HealthCare Abroad products and compete for the same SEO-driven customer traffic.

Direct peers

• Seven Corners: Seven Corners provides travel medical insurance, trip cancellation, and expatriate health plans, with products like Liaison Travel Medical that compete directly with Wallach's HealthCare Abroad for short-term overseas travelers. They share the same direct-to-consumer, partner-distributed GTM and similar worldwide assistance infrastructure.
• GeoBlue (Worldwide Insurance Services): GeoBlue specializes in international travel medical and expatriate health insurance for U.S. citizens abroad and foreign nationals visiting the U.S., nearly identical to Wallach's dual inbound/outbound positioning. Both offer direct-bill networks, evacuation coordination, and multi-lingual assistance, making GeoBlue a head-to-head competitor in the same niche.
• International Medical Group (IMG): IMG is one of the largest specialty providers of international travel and expatriate medical insurance, offering short-term travel medical plans and long-term global medical insurance that directly overlap with Wallach's HealthCare Abroad, HealthCare Global, and HealthCare International products. They serve the same global traveler and expatriate customer base with comparable plan structures and provider-direct billing.
• Patriot Travel Insurance (administered by SiriusPoint/IMG): Patriot Travel Medical Insurance, marketed by IMG, is a direct short-term travel medical product for U.S. citizens abroad and foreign nationals visiting the U.S., overlapping almost feature-for-feature with Wallach's HealthCare Abroad and HealthCare America. Both share similar coverage limits, age caps, and direct-bill service models.
• World Nomads: World Nomads is a major direct-to-consumer travel insurance provider marketed heavily to backpackers, adventure travelers, and long-term international tourists — a segment that overlaps with Wallach's HealthCare Abroad and HealthCare Global customers. They compete in the same SEO-driven, online-purchase funnel.

Broad incumbents

• Allianz Travel Insurance: Allianz Travel is a broad incumbent in the travel insurance market, offering trip-cancellation and travel medical coverage to U.S. consumers. While trip insurance is a larger share of their mix than medical-only, they overlap with Wallach on travel medical add-ons and compete for the same outbound American traveler.
• Cigna Global Health: Cigna Global is a major incumbent offering comprehensive international health and travel medical insurance for individuals and expatriates. While broader in scope than Wallach, they directly overlap on the expatriate and international business-traveler segment and represent the largest competitive threat due to scale and brand recognition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 The Wallach Company