TME TRAVEL INSURANCE

What TME TRAVEL INSURANCE does

TME Travel Insurance (legal entity: Travel MedEvac, LLC) is a US-based, Arizona-domiciled retail travel insurance brokerage founded in 2016. It distributes a portfolio of three core products — Comprehensive Trip Protection Plans (sold as Choice, Preferred, and Elite tiers under the TripShield brand, covering trip cancellation/interruption up to $10K/$50K/$100K per person), a standalone Emergency Medical & Evacuation Plan (MedShield), and an Evacuation Only Plan (EvacShield). Underwriting risk sits with AXIS Insurance Company (Plan IDs 6/7/8, all states except NY/WA) and Nationwide Mutual Insurance Company (Plan IDs 2/3/5, NY and WA), while claims administration is outsourced to Co-ordinated Benefit Plans (CBP) and 24/7 travel assistance is delivered through On-Call International.

The operating model is asset-light and intermediation-focused. The technology stack centers on a customer-facing online quote-and-issue engine built on polmaker.com that targets a “2 minutes to quote, 2 minutes to issue” workflow, secured via SSL and Veri-Sign auditing, with credit-card processing handled by Braintree Payments. Pricing is trip-cost-based at roughly 4–8% of total trip cost; the Elite tier supports an optional Cancel For Any Reason (CFAR) upgrade reimbursing up to 75% of non-refundable trip costs, and annual/multi-trip subscription plans are offered for frequent travelers (excluded in NY, WA, FL). Distribution combines a direct-to-consumer website with an affiliate partner program targeting insurance agents, travel agents, and event planners, augmented by an affiliation with Passport Health and a content-led blog marketing engine on YouTube, Facebook, and Instagram. The company holds a California broker license (OM25107) and markets coverage across all 50 US states and DC, with carve-outs for sanctioned/remote geographies. Headcount is reported at 1–10 and the entity is private with no disclosed funding rounds, parent company, or institutional ownership.

Name

TME TRAVEL INSURANCE

Legal name

Travel MedEvac, LLC

Website

https://tmetravelinsurance.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

TME Travel Insurance (Travel MedEvac, LLC) is a US-licensed retail travel insurance brokerage distributing trip protection, travel medical, and evacuation-only plans underwritten by AXIS and Nationwide to individual travelers across all 50 states.

Ownership category

akta.pro rank

Headquarters

HQ city

Flagstaff

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Insurance Premiums: TME Travel Insurance generates revenue through sale of travel insurance plans including Comprehensive Trip Protection Plans, Emergency Medical and Evacuation Plans, and Evacuation Only Plans. Pricing is based on trip cost, traveler age, coverage limits, and trip duration, typically ranging from 4-8% of total trip cost.
2. Optional CFAR Upgrade: Cancel For Any Reason (CFAR) optional coverage upgrade available on Elite plans, providing reimbursement of up to 75% of trip costs for any cancellation reason, offered at additional premium.
3. Annual/Multi-trip Plans: For travelers who travel frequently, annual multi-trip plans are offered for medical expense and evacuation coverage (not available in NY, WA, and FL).

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

TME Travel Insurance is a travel insurance provider that sells and administers travel protection plans for individual travelers. The company offers comprehensive trip protection plans in three tiers (Choice, Preferred, Elite), a standalone emergency medical and evacuation plan (MedShield), and an evacuation-only plan (EvacShield), all underwritten by SiriusPoint Specialty Insurance Corporation. Policies are quoted, purchased, and serviced online through the company's website and partner platforms.

Product overview

TME Travel Insurance offers a portfolio of three travel insurance product tiers: Comprehensive Trip Protection Plans (Choice/Preferred/Elite) that bundle trip cancellation, medical expenses, evacuation, baggage, and travel assistance in all-in-one coverage; Emergency Medical & Evacuation Plan providing standalone medical expense and evacuation protection; and Evacuation Only Plan for basic evacuation coverage. All plans include 24/7 Travel Assistance Services via On Call International. Optional Cancel For Any Reason (CFAR) upgrade is available on the Elite plan. Annual multi-trip plans are offered for frequent travelers (excluding NY, WA, FL). Plans are underwritten by AXIS Insurance Company and Nationwide Mutual Insurance Company, with claims processed by Co-ordinated Benefit Plans, LLC.

Differentiator

Problem solved

Functional benefit

Brands

• TripShield: Comprehensive Trip Protection Plan brand
• MedShield
• EvacShield
• Choice Plan
• Preferred Plan
• Elite Plan

Quantifiable outcome

• Travel insurance typically costs 4-8% of total trip cost, providing affordable protection against potentially tens of thousands of dollars in losses
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core.

• AXIS Insurance CompanycoreOthersCoverage is underwritten by AXIS Insurance Company under policy form series number TRVL-IND-001. AXIS Insurance Company, an Illinois property and casualty company, is licensed in all 50 states and DC. AXIS provides the financial backing and claims-paying ability for certain TME Travel Insurance plans (Plan ID starting with 6, 7, or 8).
• Nationwide Mutual Insurance CompanycoreOthersUnderwritten by Nationwide Mutual Insurance Company, Columbus, Ohio for residents of all states except NY and WA. For WA residents, coverage is underwritten by Nationwide Life Insurance Company and Nationwide Mutual Insurance Company. Policy forms include NSIGTC 2000, NSHTC 2000, SRTC 2000, or state equivalent. Nationwide provides the financial backing for certain TME plans (Plan ID starting with 2, 3, or 5).
• On-Call InternationalcoreTechnology or IntegrationAll TME Travel Insurance plans include 24/7 travel assistance services provided and managed by On-Call International. Services include medical monitoring, emergency cash advance, hospital admission guarantee, legal referrals, prescription drug replacement, translation services, lost baggage retrieval, and pre-trip information. On-Call International handles medical evacuation coordination and authorization.
• Co-ordinated Benefit Plans, LLC (CBP)coreTechnology or IntegrationAll claims are processed by Co-ordinated Benefit Plans, LLC. CBP handles claims submission processing for both Nationwide (Plan ID starting with 2, 3, or 5) and AXIS (Plan ID starting with 6, 7, or 8) plans. Claims can be submitted online via CBP Connect or by email/mail to CBP.
• Passport HealthcoreStrategic or Co-development PartnerTME Travel Insurance operates in affiliation with Passport Health, a leading travel health and medical services provider. This affiliation provides cross-referral opportunities and positions TME as a trusted travel insurance provider within the Passport Health network.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• World Nomads: World Nomads specializes in travel insurance for adventure and long-haul independent travelers, distributing through a D2C online platform with multi-currency support and an ambassador affiliate network. Comparable to TME's D2C + affiliate motion and in coverage of emergency medical and evacuation needs for international travelers.
• Seven Corners: Seven Corners is a travel medical insurance specialist offering plans for international travelers, including trip cancellation, medical, and evacuation coverages with their own assistance network. Comparable to TME on standalone medical + evacuation plans and on having multiple underwriter/carrier relationships.
• Allianz Travel Insurance: Allianz Partners is the largest U.S. travel insurance provider, offering single-trip, multi-trip, and packaged plans (trip cancellation, medical, evacuation, baggage) through direct and agent channels. Most directly comparable competitor to TME on product breadth, tiering, and D2C online funnel.
• Travel Guard (AIG): Travel Guard is AIG's retail travel insurance brand, selling comprehensive trip protection, medical, and evacuation plans with multiple tiers and direct online quoting. Operates an affiliate channel and is one of the largest incumbents against which TME competes for shelf space and partner distribution.
• Berkshire Hathaway Travel Protection: BHTP sells retail travel insurance underwritten by Berkshire Hathaway affiliates, marketed through direct-to-consumer and travel-agent channels. Comparable to TME on leveraging a high-rated carrier brand, tiered plan structure, and online self-service quoting.
• International Medical Group (IMG): IMG offers travel medical and international health insurance plans, including emergency medical and evacuation coverage for individual travelers and expatriates. Comparable to TME's medical-and-evacuation plans and to its positioning with US and non-US resident customers.
• Travel Insured International: Travel Insured International is a retail travel insurance provider offering tiered trip protection plans with optional CFAR coverage and a partner program for travel agents. Closely comparable to TME on product tiers, CFAR optionality, and reliance on affiliate/agent distribution.
• Generali Global Assistance (now Generali Trip): Generali provides retail travel insurance with tiered plans, 24/7 assistance, and an affiliate/distribution network. Directly comparable to TME on product structure, online quote-and-buy flow, and reliance on an outsourced assistance partner.

Emerging players

• SafetyWing: SafetyWing is a digital-first insurance startup focused on travel medical and remote-worker/nomad coverage with a subscription-based model. Comparable to TME as an emerging D2C entrant using a modern online platform, though differentiated by subscription billing and a remote-worker target segment.
• Faye: Faye is an emerging digital-first travel insurance brand offering a mobile-first quoting and claims experience and partner distribution programs. Adjacent to TME as a tech-led challenger using online distribution and embedded partnerships rather than traditional agent-led sales.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@TMEtravelinsurance
• Facebookfacebook.com/travelmedevac
• Instagraminstagram.com/tme_travelinsurance
• LinkedInlinkedin.com/company/tme-travel-insurance

Compliance5 records

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 TME TRAVEL INSURANCE