TripInsurance.com
TripInsurance.com is a founder-led online travel insurance agency licensed in all 50 US states, offering a self-serve platform where individual travelers compare and purchase trip, medical, cruise, and flight insurance policies from major carriers via exclusive pricing agreements.
- Company typePrivate
- Founded2010
- HeadquartersLos Gatos, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What TripInsurance.com does
TripInsurance.com is a privately-held online travel insurance agency founded in 2010-2011 by Dan Skilken and operated under the legal entity Online Trip Insurance Services, Inc., a California corporation headquartered in Monte Sereno, California. The company runs a self-serve web platform that lets travelers input trip details, compare multiple travel insurance plans, and purchase coverage directly online, with policies delivered by email. TripInsurance.com is licensed as an insurance agency in all 50 US states plus DC, which constitutes the core regulatory footprint. Its product portfolio comprises Trip Insurance (a comprehensive plan for US Citizens and Residents covering cancellation, interruption, delay, missed connections, medical, evacuation, and lost luggage), Travel Medical Insurance (extendable coverage available to all travelers including international visitors and Schengen visa holders), and add-on Cruise Insurance and Flight Insurance lines.
The platform's technical foundation is described as a standard e-commerce stack with secure server infrastructure; key product components include a multi-traveler quote form (up to ten travelers) with state-of-service and citizenship selection, a comparison interface, and email-based policy delivery. There are no APIs, SDKs, or proprietary AI/ML capabilities disclosed. The differentiation narrative centers on exclusive distribution agreements with carrier partners — American Modern, BCS, Nationwide, Old Republic, and U.S. Fire — that the company says bypass traditional broker middlemen, enabling it to sell comparable coverage at roughly 40% lower prices and to anchor a "Best Price Guarantee."
TripInsurance.com monetizes exclusively through carrier commissions on policies sold via its direct-to-consumer channel; there are no brokered or intermediated channels. Pricing follows standard industry structure (roughly 4-8% of trip cost), and the company emphasizes time-sensitive benefits available within 14 days of initial deposit, including pre-existing condition waivers and Cancel-For-Any-Reason coverage. Customer acquisition is driven primarily by organic channels — SEO-oriented content marketing through a multi-section blog (Travel Tips, Best Travel Destinations, Features) and an active social presence on YouTube, Facebook, LinkedIn, and Twitter — alongside direct website traffic. The business is bootstrapped and founder-led, with 1-10 employees and no disclosed outside investment, M&A activity, funding rounds, or leadership changes.
TripInsurance.com firmographics
Firmographics- Name
- TripInsurance.com
- Legal name
- Online Trip Insurance Services, Inc.
- Website
- https://tripinsurance.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- TripInsurance.com is a founder-led online travel insurance agency licensed in all 50 US states, offering a self-serve platform where individual travelers compare and purchase trip, medical, cruise, and flight insurance policies from major carriers via exclusive pricing agreements.
- Ownership category
- akta.pro rank
TripInsurance.com industry classification
Industry- Product category
- Travel Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Travel Medical & Health Insurance Platforms (THALALAC)
- akta.pro secondary industries
- Travel & Accident (Non-Life) Insurance (FSAJAMAN), Travel Medical Insurance (Individual) (FSAIAEAI), Baggage & Personal Effects Insurance (FSAJAJAE), Travel Insurance & Protection Products (Cruise-Specific) (THAEAFAL)
Keywords
Where TripInsurance.com is headquartered
LocationHeadquarters
- HQ city
- Los Gatos
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
TripInsurance.com business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Personnel, Technology or R&D, Operations, Infrastructure
Revenue model
- Insurance Commission Revenue: TripInsurance.com acts as an insurance agency/agent earning commissions from insurance companies when customers purchase policies through their platform. They sell travel insurance policies from the most trusted travel insurance companies and have exclusive agreements with carriers such as American Modern, BCS, Nationwide, Old Republic, and U.S. Fire.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | One time/ perpetual license | Comprehensive Trip Insurance - Coverage varies by plan tier (Good, Better, Best) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
TripInsurance.com product offering
Product offeringCore offering
TripInsurance.com is an online insurance agency that sells travel insurance policies directly to consumers through a self-serve website. It offers comprehensive trip insurance for U.S. citizens and residents, travel medical insurance for all travelers, and specialized cruise and flight insurance products, sourced from carrier partners including American Modern, BCS, Nationwide, Old Republic, and U.S. Fire. Customers enter trip details into an online quote form, compare available plans, and purchase coverage that is emailed to them immediately.
Product overview
TripInsurance.com operates as an insurance agency offering a portfolio of travel insurance products. The core offerings consist of Trip Insurance (for U.S. Citizens and Residents with comprehensive coverage including cancellation, interruption, medical, and evacuation benefits) and Travel Medical Insurance (for all travelers covering illness, injury, and emergency medical costs). Specialized coverage includes Cruise Insurance and Flight Insurance as targeted add-on products. The platform functions as a comparison and sales channel, offering plans from partnered insurance carriers including US Fire Insurance Company and Nationwide Mutual Insurance Company.
Differentiator
Problem solved
Functional benefit
Products and services
- Trip Insurance
Quantifiable outcome
- Saves customers 40% or more over comparable coverage from other suppliers
- +1 more outcomes
Companies that use TripInsurance.com
Customer profileSegments3 records
Ideal customer profiles3 records
TripInsurance.com technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
TripInsurance.com partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- US Fire Insurance CompanycoreOne of the travel insurance companies whose policies are sold through TripInsurance.com. Part of the exclusive carrier agreements negotiated by the company.
- Nationwide Mutual Insurance CompanycoreMajor insurance carrier whose travel insurance products are offered through TripInsurance.com. Part of the exclusive carrier agreements that enable competitive pricing.
- American ModerncoreInsurance carrier with exclusive agreement with TripInsurance.com that bypasses traditional middlemen distribution, enabling lower pricing for customers.
- BCScoreInsurance carrier partner with exclusive agreement with TripInsurance.com for competitive travel insurance products.
- Old RepubliccoreInsurance carrier partner providing travel insurance products through TripInsurance.com's exclusive distribution agreements.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
TripInsurance.com competitors and assessment
Company assessmentDirect peers
- TravelInsurance.com: TravelInsurance.com operates an online comparison and purchase platform for travel insurance from multiple carriers, targeting U.S. and international travelers. Closely mirrors TripInsurance.com's product-led, online-only agency model.
- Seven Corners: Seven Corners underwrites and distributes travel medical and trip insurance plans directly to consumers and through agents, with strong presence in travel medical coverage. Overlaps directly with TripInsurance.com's Travel Medical and Trip Insurance product lines.
- Squaremouth: Squaremouth is an online travel insurance comparison platform that sells policies from multiple carriers with a price-match guarantee. It competes head-to-head with TripInsurance.com for the same U.S. consumer self-serve travel insurance buyer.
- GeoBlue: GeoBlue specializes in international travel medical and expatriate health insurance, including coverage required for Schengen visas. Strong overlap with TripInsurance.com's Travel Medical Insurance product, particularly for international and visa-bound travelers.
- InsureMyTrip: InsureMyTrip is a leading online travel insurance comparison marketplace, allowing consumers to compare plans from multiple carriers. It is a direct competitor to TripInsurance.com in the online travel insurance agency/aggregator category with the same self-serve distribution model.
- VisitorsCoverage: VisitorsCoverage is an online travel insurance marketplace focused on international visitors, students, and travel medical coverage. Direct competitor in the online travel medical insurance comparison and purchase experience.
- World Nomads: World Nomads is a travel insurance provider serving international and adventure travelers with online quote and purchase flows. Comparable to TripInsurance.com in serving independent travelers buying trip and medical coverage online.
Emerging players
- Faye: Faye is a venture-backed travel insurance and assistance startup offering a digital-first platform with mobile app and integrated claims support. Comparable to TripInsurance.com as a next-generation online travel insurance provider, though with significantly more capital and a newer technology stack.
Broad incumbents
- Allianz Travel Insurance: Allianz Travel is one of the largest global travel insurance underwriters and distributors, selling through its own direct-to-consumer website and through agency partners including TripInsurance.com. A broad incumbent that competes both directly (via its own site) and indirectly as a supplier to niche agencies.
- AIG Travel Guard: Travel Guard is AIG's travel insurance brand offering trip cancellation, medical, and evacuation coverage sold direct and through partners. A large incumbent with significant brand recognition competing with TripInsurance.com on both direct and aggregator channels.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
TripInsurance.com social profiles
Digital presenceTripInsurance.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
TripInsurance.com leadership team
Management profileNumber of profiles
Profiles1 record
TripInsurance.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TripInsurance.com M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TripInsurance.com
What does TripInsurance.com do?
TripInsurance.com is an online insurance agency that sells travel insurance policies directly to consumers through a self-serve website. It offers comprehensive trip insurance for U.S. citizens and residents, travel medical insurance for all travelers, and specialized cruise and flight insurance products, sourced from carrier partners including American Modern, BCS, Nationwide, Old Republic, and U.S. Fire. Customers enter trip details into an online quote form, compare available plans, and purchase coverage that is emailed to them immediately.
Is TripInsurance.com a public or private company?
TripInsurance.com is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was TripInsurance.com founded?
TripInsurance.com was founded in 2010. It employs 1 to 10 people.
Where is TripInsurance.com based?
TripInsurance.com is headquartered in Los Gatos, United States, in the North America region.
How does TripInsurance.com make money?
One revenue line is on record: insurance Commission Revenue.
Who are TripInsurance.com's main competitors?
Direct peers on record are TravelInsurance.com, Seven Corners, Squaremouth, GeoBlue, InsureMyTrip, VisitorsCoverage and World Nomads. Faye is listed as an emerging player. Broad incumbents are Allianz Travel Insurance and AIG Travel Guard.
Does TripInsurance.com have an API?
No public API is recorded for TripInsurance.com.
What industry is TripInsurance.com in?
TripInsurance.com's product category is Travel Insurance. Its primary akta.pro industry code is THALALAC, Travel Medical & Health Insurance Platforms, with a secondary code of FSAJAMAN, Travel & Accident (Non-Life) Insurance. Its NAICS code is 5242 and its SIC code is 6411.