JustCover
JustCover is an Irish insurance intermediary, founded in 2003 and owned by UK-based InsurEvo, that brokers travel insurance underwritten by Zurich to Irish and UK consumers, specializing in seniors and travellers with over 1,300 pre-existing medical conditions.
- Company typePrivate
- Founded2003
- HeadquartersDublin, Ireland
- Headcount51–100
- GTM typeB2C
- OfferingServices
What JustCover does
JustCover Limited is an Irish insurance intermediary founded in 2003, regulated by the Central Bank of Ireland, that brokers travel insurance policies underwritten by Zurich Insurance Europe AG. The company is a wholly owned subsidiary of UK-based InsurEvo and operates as a direct-to-consumer specialist targeting Irish and UK residents, with a sharp focus on seniors (no upper age limit) and travellers with pre-existing medical conditions. Its core product set spans single-trip and annual multi-trip policies, family and group cover (up to 2 adults and 8 children, or 10 adults), cruise, golf, and activities/sports modules, plus destination-specific packages for European and worldwide travel including the USA.
The company's principal technical asset is a specialized medical underwriting and policy-administration platform featuring a Medical Condition Declaration System that covers over 1,300 pre-existing conditions and auto-presents common comorbidities for streamlined declaration. Distribution runs through a hybrid model: a self-serve online quote engine at quote.justcover.ie combined with a call-centre channel (1800 freephone for Ireland, 0800 for the UK) and live-chat support, the latter being critical for the older demographic the brand targets.
Revenue is generated through commissions and brokerage margins on insurance premiums across three tiered products (Silver, Gold, Black) priced per-policy on a quote basis reflecting age, destination, trip length, and medical conditions. The company was reported at 51-100 employees as of the latest disclosure, with a March 2026 announcement of 22 additional jobs at a new EU hub in Carlow, Ireland, indicating active operational scaling under the InsurEvo parent.
JustCover firmographics
Firmographics- Name
- JustCover
- Legal name
- JustCover Limited
- Website
- https://justcover.ie
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- JustCover is an Irish insurance intermediary, founded in 2003 and owned by UK-based InsurEvo, that brokers travel insurance underwritten by Zurich to Irish and UK consumers, specializing in seniors and travellers with over 1,300 pre-existing medical conditions.
- Ownership category
- akta.pro rank
JustCover industry classification
Industry- Product category
- Travel Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Embedded Travel Insurance Distribution & APIs (THALALAA)
Keywords
Where JustCover is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices3 records
Markets served
JustCover business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Travel Insurance Premiums: JustCover acts as an insurance intermediary, arranging and administering travel insurance policies. Revenue is generated through insurance premiums collected from customers. Policies include single-trip and annual multi-trip cover with various coverage tiers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Black tier - Most popular option with zero excess |
| Subscription | Pay-as-you-go | Gold tier - Mid-range option with moderate excess |
| Subscription | Pay-as-you-go | Silver tier - Entry-level option with higher excess |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
JustCover product offering
Product offeringCore offering
JustCover is an Irish insurance intermediary that arranges and administers travel insurance policies underwritten by Zurich Insurance Europe AG. The company sells single-trip and annual multi-trip travel insurance with specialist cover for seniors (no upper age limit), families, groups, and travellers with over 1,300 pre-existing medical conditions. Distribution is direct-to-consumer via an online quote platform and a telephone call centre.
Product overview
JustCover is an Irish travel insurance provider offering a comprehensive portfolio of travel insurance products designed for diverse traveller needs. The core offering consists of Travel Insurance available as Single Trip or Annual Multi-Trip policies, which can be enhanced with specialist add-on modules including Cruise Travel Insurance, Golf Travel Insurance, and Activities/Sports Travel Insurance. The company differentiates through Medical Conditions Travel Insurance covering over 1,300 pre-existing conditions including diabetes, heart conditions, cancer, epilepsy, asthma, and high cholesterol. Dedicated senior travel insurance products serve over 50s, 60s, 70s, 80s, and 85s with no upper age limit. Family and Group Travel Insurance policies provide flexible coverage for families (up to 2 adults and 8 children) and groups (up to 10 adults). Destination-specific products cover Europe and Worldwide travel. Policies are underwritten by Zurich Insurance Europe AG and regulated by the Central Bank of Ireland.
Differentiator
Problem solved
Functional benefit
Products and services
- Single Trip Travel Insurance
Quantifiable outcome
- 98% of customers would recommend JustCover to family and friends
- +2 more outcomes
Companies that use JustCover
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
JustCover technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
JustCover partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- South East Technological University (Carlow Campus)minorJustCover's parent company InsurEvo has established its EU hub at the South East Technological University's Carlow campus corporate services building. This is the first corporate client in the university's new facility.
- Zurich Insurance Europe AGcoreZurich Insurance Europe AG is the underwriter for JustCover policies. They are regulated by the Federal Financial Supervisory Authority (BAFin) in Germany and by the Central Bank of Ireland for conduct of business rules.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
JustCover competitors and assessment
Company assessmentDirect peers
- Saga Travel Insurance: Long-established UK over-50s travel insurance product, part of the Saga brand. Comparable target customer (50+) and travel-only product set, though broader than JustCover's niche.
- InsureandGo: Generalist travel insurance provider in Ireland and the UK, including cover for pre-existing conditions. Comparable direct-to-consumer travel insurance distribution, though with a broader (less niche) positioning than JustCover.
- World Nomads: International travel insurance brand targeting independent and adventure travellers with online purchase and broad destination coverage. Comparable direct-to-consumer online travel insurance model, though skewed to a younger, backpacker segment.
- Avanti Travel Insurance: UK specialist in travel insurance for older travellers and those with medical conditions, providing individual screening. Comparable specialist niche overlap with JustCover's seniors and pre-existing conditions focus.
- Coverwise: UK-based travel insurance intermediary focused on customers with pre-existing medical conditions, similar niche specialization to JustCover, including medical screening. Comparable product, distribution, and target customer.
- Staysure: UK travel insurance brand built around the over-50s segment, offering single-trip and annual policies with medical-condition screening. Most direct head-to-head competitor for JustCover's seniors positioning in the UK.
- AllClear Travel Insurance: UK-based travel insurance specialist focused on customers with pre-existing medical conditions; offers screened panels of insurers and a similar medical declaration flow. Closest direct competitor to JustCover's medical-conditions proposition.
Emerging players
- Holiday Extras: UK travel add-ons specialist (airport parking, hotels, insurance) selling travel insurance as a complement. Partial overlap with JustCover's direct-to-consumer online travel insurance distribution, but as part of a broader travel ancillaries platform.
Broad incumbents
- Allianz Travel: Large global insurance group offering travel insurance in Ireland through Allianz Ireland. Significant scale advantages in distribution and pricing power; broad product portfolio compared to JustCover's specialist focus.
- AXA Travel Insurance: Major incumbent offering travel insurance in Ireland as part of a wider personal lines portfolio. Represents the kind of large, multi-line competitor that competes with JustCover on price and aggregator placement.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
JustCover social profiles
Digital presenceJustCover financial estimates
Financial estimateRevenue estimate
Valuation estimate
JustCover leadership team
Management profileNumber of profiles
Profiles1 record
JustCover funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
JustCover 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 JustCover
What does JustCover do?
JustCover is an Irish insurance intermediary that arranges and administers travel insurance policies underwritten by Zurich Insurance Europe AG. The company sells single-trip and annual multi-trip travel insurance with specialist cover for seniors (no upper age limit), families, groups, and travellers with over 1,300 pre-existing medical conditions. Distribution is direct-to-consumer via an online quote platform and a telephone call centre.
Is JustCover a public or private company?
JustCover is a private company. It is classified as corporate owned and is currently operating.
When was JustCover founded?
JustCover was founded in 2003. It employs 51 to 100 people.
Where is JustCover based?
JustCover is headquartered in Dublin, Ireland, in the Europe region.
How does JustCover make money?
One revenue line is on record: travel Insurance Premiums.
Who are JustCover's main competitors?
Direct peers on record are Saga Travel Insurance, InsureandGo, World Nomads, Avanti Travel Insurance, Coverwise, Staysure and AllClear Travel Insurance. Holiday Extras is listed as an emerging player. Broad incumbents are Allianz Travel and AXA Travel Insurance.
Does JustCover have an API?
No public API is recorded for JustCover.
What industry is JustCover in?
JustCover's product category is Travel Insurance. Its primary akta.pro industry code is THALALAA, Embedded Travel Insurance Distribution & APIs. Its NAICS code is 524210 and its SIC code is 6411.