WAS Insurance
WAS Insurance (Wise and Silent Pty Ltd) is a Brisbane-based Australian travel insurance intermediary, founded 2023 and operating as an authorised representative of battleface Insurance Services to sell modular single-trip and annual travel insurance policies to Australian consumers via direct, comparison, airline, and affiliate channels.
- Company typePrivate
- Founded2023
- HeadquartersBrisbane, Australia
- Headcount1–10
- GTM typeB2C
- OfferingServices
What WAS Insurance does
WAS Insurance, trading as Wise and Silent Pty Ltd, is an Australian retail travel insurance intermediary founded in February 2023 and headquartered at Level 4, 300 Ann Street, Brisbane, Queensland. The company operates as an Authorised Representative (AR 001301320) of battleface Insurance Services Pty Ltd (AFSL 536280), which administers the policies; Pacific International Insurance Pty Ltd (ABN 83 169 311 193) underwrites the risk. WAS targets Australian citizens and permanent residents seeking cover for international and domestic trips to 200+ destinations, selling three primary plans — COVID Essentials (entry-level), Discovery International (comprehensive, Finder 2024 Value Gold winner), and Domestic Travel Insurance — alongside an Annual Multi-Trip plan and a modular upgrade system covering Cruise, Motorcycle, Ski and Snowsports, and Luggage.
The technology stack is an API-integrated platform architecture with real-time connectivity to battleface for policy issuance and partner data exchange, an A/B testing layer for pricing/UX/conversion optimisation, and a white-label deployment capability that supports branded partner integrations. Specialised product configurations extend coverage to seniors up to age 99 with automatic inclusion of many pre-existing medical conditions, as well as families (with pregnancy cover to week 24), students, solo travellers, volunteers, business travellers, backpackers, and adventure sports travellers (100+ activities). Distribution is multi-channel: direct self-serve online quote-to-purchase through wiseandsilent.com, an authorised travel-agent/broker network, the Rakuten affiliate programme (ID 50782), the Compare the Market comparison platform (listed since October 2023), and an embedded booking-flow partnership with Scoot Airlines (since July 2024).
Revenue is generated transactionally through insurance premiums paid by policyholders, with WAS earning commission/fees as an authorised representative distributing battleface-administered and Pacific International-underwritten policies. Pricing is quote-based (varying by destination, trip duration, traveller age, and coverage level) and is not publicly disclosed; typical premium ranges are implied across the plan tiers (e.g., COVID Essentials basic vs. Discovery International comprehensive with high personal-liability and unlimited medical limits). Marketing combines content/SEO, comparison aggregators, social media competitions, the Rakuten affiliate network, and earned media from the 2024 Finder Travel Insurance Awards gold win. Operational footprint is intentionally lean — described as "a small team based in Brisbane" — with 24/7 emergency assistance and a global medical/security partner network handling in-trip support and claims.
WAS Insurance firmographics
Firmographics- Name
- WAS Insurance
- Legal name
- Wise and Silent Pty Ltd
- Website
- https://wiseandsilent.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- WAS Insurance (Wise and Silent Pty Ltd) is a Brisbane-based Australian travel insurance intermediary, founded 2023 and operating as an authorised representative of battleface Insurance Services to sell modular single-trip and annual travel insurance policies to Australian consumers via direct, comparison, airline, and affiliate channels.
- Ownership category
- akta.pro rank
WAS Insurance industry classification
Industry- Product category
- Travel Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB)
- akta.pro secondary industries
- Baggage & Personal Effects Insurance (FSAJAJAE), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Travel Insurance & Protection Products (Cruise-Specific) (THAEAFAL), Student & Study-Abroad Travel/Accident Insurance (FSAJAJAJ)
Keywords
Where WAS Insurance is headquartered
LocationHeadquarters
- HQ city
- Brisbane
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
WAS Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Operations, Personnel, Technology or R&D, Others
Revenue model
- Travel Insurance Premiums: The company earns revenue by selling travel insurance policies to customers. Insurance is administered by battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280) and underwritten by Pacific International Insurance Pty Ltd (ABN 83 169 311 193). Wise & Silent acts as an authorised representative (AR 001301320) of battleface.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Covid Essentials plan - basic coverage with unlimited medical and $4,000 cancellation |
| Subscription | Pay-as-you-go | Discovery plan - comprehensive coverage with optional upgrades |
| Subscription | Pay-as-you-go | Discovery International - Gold award winner for value |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels6 records
WAS Insurance product offering
Product offeringCore offering
WAS Insurance sells modular travel insurance policies to Australian consumers through a self-serve online platform. Its portfolio includes single-trip plans (Discovery International, COVID Essentials), Domestic Travel Insurance, and Annual Multi Trip coverage, with optional upgrades for cruise, motorcycle, ski and snowsports, and luggage. Coverage is further specialised by traveler type (students, seniors up to age 99, families, solo, volunteers) and destination (USA, Asia, Europe), providing configurable protection for medical emergencies, trip cancellation, baggage, personal liability, and rental vehicle excess.
Product overview
WAS Insurance (Wise and Silent) is an Australian travel insurance company offering a modular, multi-tier product portfolio. The core products are three named insurance plans: COVID Essentials (entry-level international single-trip), Discovery International (comprehensive international single-trip, award-winning), and Domestic Travel Insurance for trips within Australia, plus Annual Multi Trip for frequent travelers. These plans are customized through a modular add-on system covering Cruise, Motorcycle, Ski and Snowsports, and Luggage upgrades. Coverage is further segmented by traveler type (Students, Seniors up to age 99, Families, Solo Travelers, Volunteers) and trip type (International, Adventure Sports with 100+ activities, Backpacking, Road Trip, Business, Cruise). Destination-specific variants exist for the USA, Asia, and Europe. A broad range of standard benefits includes emergency medical, COVID-19, trip cancellation/interruption, trip delay, baggage, personal liability, and rental vehicle excess coverage. Products are distributed via direct online sales, the Compare the Market comparison platform, and the Scoot Airlines partnership.
Differentiator
Problem solved
Functional benefit
Products and services
- Discovery International Comprehensive international single-trip travel insurance plan offering unlimited overseas emergency medical expenses, trip cancellation/interruption up to $40,000, lost/stolen luggage up to $10,000, and optional add-ons such as cruise, ski, motorcycle, and luggage upgrades. For Australian citizens and permanent residents travelling overseas.
- COVID Essentials Entry-level international single-trip travel insurance plan covering unlimited emergency medical expenses and up to $4,000 in cancellation and trip interruption benefits, with no baggage loss benefit. For Australian travelers seeking budget COVID-era coverage.
- Domestic Travel Insurance Travel insurance product covering domestic Australian trips, including trip delays, cancellations, and baggage and personal effects coverage for travel within Australia.
- Annual Multi Trip Multi-trip annual travel insurance plan providing ongoing coverage for frequent travelers, allowing multiple trips under one policy throughout the year.
- Adventure Travel Insurance Specialized coverage for over 100 adventure activities including camping, mountain biking, rafting, skiing, snowboarding, scuba diving, surfing, and trekking, with optional Snow Pack for winter sports. For travelers undertaking high-risk adventure activities.
- Business Travel Insurance Corporate travel insurance covering loss or damage of business equipment, overseas medical emergencies, trip cancellation/interruption, and rental car excess for corporate travelers and professionals travelling for business purposes.
- Backpacking Travel Insurance Cost-conscious travel insurance for backpackers covering overseas emergency medical expenses, trip cancellations, and lost or stolen baggage with customisable add-ons, designed for long-term multi-country backpacking trips and adventure travel.
- Road Trip Insurance Travel insurance with rental vehicle excess coverage option for driving holidays, covering campervans, motorhomes, cars, SUVs, and minibuses rented from licensed rental agencies. For travelers planning road trips with rental vehicles at their destination.
- Seniors Travel Insurance Specialized coverage for travellers over 60, with coverage up to age 99, including pre-existing medical condition coverage with automatic inclusion for many common conditions and higher medical expense limits.
- Family Travel Insurance Travel insurance for families of all sizes covering unlimited emergency medical expenses for up to 12 months, trip cancellation up to $40,000, pregnancy coverage up to 24th week, COVID-19 expenses, and rental car excess, including trips with children.
- Student Travel Insurance Specialized travel insurance product targeting students studying abroad or traveling during gap years, offering affordable coverage for medical expenses, trip cancellation, lost baggage, and emergency evacuation.
- USA Travel Insurance Destination-specific international insurance for travel to the United States, addressing high US healthcare costs and covering medical emergencies, natural disasters, trip cancellations, and passport replacement.
- Asia Travel Insurance Destination-specific international insurance for travel across Asian countries, covering medical expenses, trip cancellations, personal liability, and natural disaster-related disruptions.
- Europe Travel Insurance Destination-specific international insurance for multi-country European travel, covering medical emergencies, trip cancellations, personal liability, lost luggage, and rental vehicle excess.
Companies that use WAS Insurance
Customer profileNamed customers4 records
Segments15 records
Ideal customer profiles3 records
WAS Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
WAS Insurance partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Scoot AirlinescoreWAS Insurance entered into an Australian partnership with Scoot, the low-cost carrier of Singapore Airlines, to become the official travel insurance provider for Australian Scoot passengers. This strategic alliance marks a significant milestone for WAS, enhancing its reach and service capabilities within the travel insurance industry by embedding insurance offers in Scoot's booking flow.
- Compare the MarketcoreWise and Silent (WAS) Insurance and its retail brand Travel Protect became available on Compare the Market, one of the world's largest travel insurance comparison websites. This listing provides exposure to a large consumer audience actively comparing travel insurance options.
- Rakuten Affiliate NetworkminorWAS Insurance's affiliate program is managed through the Rakuten affiliate network (program ID 50782). Online businesses, tour operators, and high-traffic website owners can join to earn commissions by embedding WAS Insurance quote widgets and advertising materials on their platforms.
- battleface Insurance Services Pty LtdInsurance is administered by battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280). Wise & Silent (AR 001301320) is battleface's authorised representative and acts on behalf of battleface. battleface provides the underwriting platform and regulatory licensing.
- Pacific International Insurance Pty LtdPacific International Insurance Pty Ltd (ABN 83 169 311 193) is the underwriter of WAS Insurance products. They bear the insurance risk and are responsible for paying claims.
- Online Travel Agencies (OTAs)coreWise and Silent collaborates with online travel agencies as part of its diverse range of partners in the travel industry. These partnerships enable customised travel insurance options distributed through OTA platforms.
- Credit Card CompaniesminorWise and Silent partners with credit card companies to offer travel insurance options, providing co-branded or bundled insurance products for cardholders.
- Travel AssociationsminorWise and Silent collaborates with travel industry associations to provide customised travel insurance options tailored to association members' needs.
- Global Medical and Security Experts NetworkcoreWise and Silent works with a global network of medical and security experts to help keep travellers protected in the event of any misadventure. This network provides emergency assistance services and travel risk intelligence.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
WAS Insurance competitors and assessment
Company assessmentDirect peers
- Travel Insurance Direct: Online-first Australian travel insurance provider targeting price-comparison customers. Directly comparable digital distribution and tier product architecture to WAS.
- Fast Cover Travel Insurance: Australian online travel insurer competing on price-sensitive single-trip and multi-trip products. Directly comparable distribution model (online quote engine, comparison-site listings).
- InsureandGo Australia: Australian travel insurance brand offering budget-friendly single-trip and annual multi-trip policies. Directly comparable value-tier positioning and target customer segments.
- World Nomads: Australian-founded travel insurance specialist targeting adventure and backpacker travellers globally. Comparable product set (international, adventure sports, working holiday) and similar value-tier positioning to WAS.
- Cover-More Travel Insurance: One of Australia's largest dedicated travel insurance providers offering comprehensive single-trip, multi-trip, and specialty plans. Directly comparable product portfolio and distribution channels to WAS.
- 1Cover Travel Insurance: Australian direct-to-consumer travel insurance brand competing on price and coverage breadth. Closely comparable digital-first, value-tier GTM to WAS.
- Easy Cover Travel Insurance: Australian online travel insurance provider targeting seniors, families, and budget-conscious travellers. Comparable niche-segment focus (seniors, pre-existing conditions) and digital-first GTM.
Regional players
- Southern Cross Travel Insurance: Trans-Tasman travel insurance provider serving Australia and New Zealand. Similar product structure (single/multi-trip, senior plans) and comparable regional market dynamics.
Broad incumbents
- Allianz Travel Insurance: Global insurance giant offering travel insurance as part of broader P&C portfolio in Australia. Competes on brand strength, scale, and bundled offerings that WAS cannot match with a single-product focus.
Others
- battleface: US-based travel insurance administrator and WAS's authorised-representative principal. Operates an adjacent travel insurance product line and provides the regulatory/administrative backbone for WAS — a strategic enabler rather than direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
WAS Insurance social profiles
Digital presenceWAS Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
WAS Insurance leadership team
Management profileNumber of profiles
WAS Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WAS Insurance 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 WAS Insurance
What does WAS Insurance do?
WAS Insurance sells modular travel insurance policies to Australian consumers through a self-serve online platform. Its portfolio includes single-trip plans (Discovery International, COVID Essentials), Domestic Travel Insurance, and Annual Multi Trip coverage, with optional upgrades for cruise, motorcycle, ski and snowsports, and luggage. Coverage is further specialised by traveler type (students, seniors up to age 99, families, solo, volunteers) and destination (USA, Asia, Europe), providing configurable protection for medical emergencies, trip cancellation, baggage, personal liability, and rental vehicle excess.
Is WAS Insurance a public or private company?
WAS Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was WAS Insurance founded?
WAS Insurance was founded in 2023. It employs 1 to 10 people.
Where is WAS Insurance based?
WAS Insurance is headquartered in Brisbane, Australia, in the Oceania region.
How does WAS Insurance make money?
One revenue line is on record: travel Insurance Premiums.
Who are WAS Insurance's main competitors?
Direct peers on record are Travel Insurance Direct, Fast Cover Travel Insurance, InsureandGo Australia, World Nomads, Cover-More Travel Insurance, 1Cover Travel Insurance and Easy Cover Travel Insurance. Southern Cross Travel Insurance is listed as a regional player. Allianz Travel Insurance is listed as a broad incumbent. battleface is listed as an others.
Does WAS Insurance have an API?
No public API is recorded for WAS Insurance.
What industry is WAS Insurance in?
WAS Insurance's product category is Travel Insurance. Its primary akta.pro industry code is FSAJAJAB, Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation), with a secondary code of FSAJAJAE, Baggage & Personal Effects Insurance. Its NAICS code is 5242 and its SIC code is 6411.