Insurte
Insurte is a French online insurance broker founded in 2010 that compares and sells worldwide travel and health insurance policies through a digital platform, distributing coverage from AXA, Allianz, Europ Assistance, and Mutuaide across Schengen, UK, Australia, New Zealand, and US/Canada use cases via direct and partner channels.
- Company typePrivate
- Founded2010
- HeadquartersCaen, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Insurte does
Insurte is a French digital insurance broker founded in 2010 and headquartered in Caen, Normandy, that operates a 100% online platform for comparing and purchasing worldwide travel and health insurance policies. The company aggregates coverage from four major European insurers — ALLIANZ Travel, AXA Assistance, EUROP Assistance, and Mutuaide Assistance (Groupama) — and distributes it across Schengen, UK, Australia, New Zealand, and US/Canada visitor use cases, with platform reach claimed across 197 countries and over 2.48 million worldwide insured days. Core technology comprises a real-time quote-comparison engine with sub-minute certificate issuance, a proprietary QR-code-based contract authenticity verification system used by embassies, multi-currency and multilingual checkout, and a partner-facing white-label API.
The business model is commission-based brokerage: Insurte earns a percentage of insurance premiums underwritten by its carrier panel and supplements this with affiliate and referral fees from B2B partners that route traffic via tracked links and embedded widgets. Revenue is concentrated on the supply side, with Mutuaide Assistance disclosed as representing more than 33% of turnover. Go-to-market combines a self-serve product-led flow targeting high-intent travelers (notably Schengen visa applicants needing €30,000 minimum medical coverage) with channel partners spanning visa outsourcing firms, OTAs, airlines, governments, and content creators. The platform is regulated by ACPR and registered with ORIAS (number 10 056 187), holds ISO 27001, GDPR, and PCI DSS certifications, and is led by founder-CEO Stéphane Jersol alongside a CCO and CMO with prior senior roles at AXA and Allianz Partners.
Insurte firmographics
Firmographics- Name
- Insurte
- Legal name
- Insurte
- Website
- https://www.insurte.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Insurte is a French online insurance broker founded in 2010 that compares and sells worldwide travel and health insurance policies through a digital platform, distributing coverage from AXA, Allianz, Europ Assistance, and Mutuaide across Schengen, UK, Australia, New Zealand, and US/Canada use cases via direct and partner channels.
- Ownership category
- akta.pro rank
Insurte industry classification
Industry- Product category
- Travel Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industries
- Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK), Partner/Channel Enablement Portals for Insurers & Distributors (White-Label, Affiliate) (THALALAN), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Insurte is headquartered
LocationHeadquarters
- HQ city
- Caen
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Insurte business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Broker Commission: Insurte operates as an insurance broker earning commissions included in insurance premiums. Receives commission from insurers when contracts are concluded. From Mutuaide Assistance representing more than 33% of company turnover. Works with 4 main insurers: ALLIANZ Travel, AXA Assistance, EUROP Assistance, and MUTUAIDE Assistance.
- Affiliate/Referral Fees: Partner program where introducers receive remuneration for referring customers. Uses cookies and tracking technologies to record referral sources and measure affiliate campaign performance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Single-trip travel insurance with per-day pricing starting from basic medical coverage |
| Subscription | Annual | Multi-trip annual coverage for frequent travelers with unlimited trips within policy year |
| Subscription | Pay-as-you-go | Long-stay single-trip coverage for extended trips exceeding 90 days |
| Other | Pay-as-you-go | Deductible vs No-Deductible Options |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Insurte product offering
Product offeringCore offering
Insurte is a digital insurance broker providing online comparison and purchase of worldwide travel and health insurance policies. The platform aggregates coverage from four major carriers (AXA, Mutuaide, Allianz, Europ Assistance) plus Foyer Global Health, offering Schengen visa-compliant, multi-trip, long-stay, and regional travel insurance products. It also provides a partner-facing API for white-label embedding of insurance into third-party platforms.
Product overview
Insurte is a 100% online travel insurance comparison and brokerage platform founded in 2010, offering a portfolio of specialized travel insurance products. The core platform aggregates coverage from four major insurance partners (Allianz Travel, AXA Assistance, EUROP Assistance, and Mutuaide) to provide travelers with instant quote comparison and policy purchase. The product lineup centers on regional and purpose-specific insurance offerings including Schengen Travel Insurance, International Travel Insurance, and regional products for UK, Australia, and New Zealand. The service supports various trip types through Annual/Multi-trip Travel Insurance for frequent travelers, Long Stay Travel Insurance for extended trips, and Visitors Insurance for inbound travelers to the US and Canada. Additional offerings include a Partner API Integration program enabling white label embedding of travel insurance into partner platforms, and a secure QR code-based contract verification system for embassy and traveler authentication.
Differentiator
Problem solved
Functional benefit
Brands
- Insurte Travel Guide: Expert travel guide providing tips, advice, and news relating to travel, including Schengen visa guides, travel requirements, and destination inspiration.
Products and services
- Schengen Travel Insurance Mandatory travel insurance for visiting the Schengen Area, providing 100% embassy and visa center compliant coverage meeting the Schengen Area Agreement requirement of €30,000 minimum emergency medical coverage.
- Long Stay Travel Insurance Travel insurance for travelers taking extended trips abroad, designed for stays longer than typical short-term policies cover.
- Travel Medical Insurance Comprehensive travel insurance providing coverage for medical emergencies while traveling, accessible through Insurte's travel comparison search engine.
- Visitors Insurance Provides coverage for medical expenses for short-term visitors to the United States and Canada.
- Travel Insurance UK Travel insurance coverage for safeguarding holidays and journeys within the United Kingdom.
- Travel Insurance Australia Travel insurance designed to protect journeys and travels within Australia.
- Annual Travel Insurance Year-long (365 days) travel coverage for multiple countries abroad, allowing unlimited trips during the coverage period with no maximum limitation on short-stay trip duration (except Axa Platinum plan), combining multi-trip and long-stay coverage in one policy.
- Multi-trip Travel Insurance Insurance covering multiple trips within a specified period (usually one year), ideal for frequent travelers with trips of 90 days or less.
- Travel Insurance New Zealand Travel insurance tailored for travel to and from New Zealand, covering foreign visitors to New Zealand and New Zealand citizens traveling abroad.
- International Travel Insurance Worldwide insurance coverage providing protection across 197 countries, including medical emergencies, repatriation, and lost luggage, for international travelers visiting multiple destinations.
- Partner API Integration White-label and API-based integration platform allowing partners (visa industry, airlines, travel providers, governments, embassies, content creators) to embed travel insurance offerings, comparison tools, and secure checkout into their digital platforms.
Quantifiable outcome
- Digital insurance certificate delivery in under 1 minute
- +4 more outcomes
Companies that use Insurte
Customer profileNamed customers8 records
Segments9 records
Ideal customer profiles3 records
Insurte technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Insurte partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, secondary and minor.
- AXA AssistancecoreThe second largest provider of Medical Assistance globally, processing 15,100,000 files per year. Insurte offers AXA travel insurance policies including Silver, Gold, and Platinum plans compliant with Schengen visa requirements. Contracts purchased after June 30th, 2025 are under Inter Partner Assistance.
- Mutuaide AssistancecorePart of Groupama with over 11,000,000 customers, specializing in Medical Assistance for over 40 years. Mutuaide represents more than 33% of Insurte's turnover. Offers Basic, Premier, Monthly, and Annual plans including Mutuaide Universal for unlimited trip duration coverage.
- Foyer Global HealthsecondaryGlobal Health Insurance by Foyer Group, offering international health insurance solutions through Insurte's platform.
- ALLIANZ TravelsecondaryAWP P&C SA - French insurer headquartered at 7 rue Dora Maar 93400 Saint-Ouen, governed by the French Insurance Code. Offers Serenity travel insurance plans through Insurte's platform.
- EUROP AssistancesecondaryEUROP ASSISTANCE S.A. - French limited company headquartered at Gennevilliers, France with share capital of EUR 46,926,941. Offers Essential and Essential Plus plans through Insurte's platform.
- European CommissionminorSource of official EU regulations and guidelines that Insurte references for Schengen visa insurance requirements, including Regulation (EC) No 810/2009.
Scale indicators8 records
Expansion highlights5 records
Insurte competitors and assessment
Company assessmentBroad incumbents
- AXA Assistance: Global travel insurance carrier and assistance provider, also one of Insurte's core insurance partners. Comparable as a travel insurance underwriter with digital distribution; represents both a partner and a potential disintermediation threat to Insurte's brokerage layer.
Direct peers
- SafetyWing: Digital travel insurance platform targeting nomads, remote workers, and frequent international travelers with subscription-based, easy-online products. Highly comparable digital-first GTM and customer profile (international, mobile-first travelers).
- VisitorsCoverage: US-based online travel insurance comparison and brokerage platform, particularly strong in US/Canada visitor and Schengen visa insurance. Direct overlap with Insurte's visa-focused, comparison-led digital broker model and target audience (international travelers, visa applicants).
- World Nomads: Global travel insurance brand built around online purchase for independent and adventure travelers. Comparable in product scope (single-trip, multi-trip, long-stay) and digital distribution, though positioned more as a brand than a comparison broker.
- AardvarkCompare: UK-based travel insurance comparison and broker platform, with strong focus on medical and Schengen-style coverage for UK travelers. Direct competitor in the European/Schengen travel-insurance comparison category.
- HeyMondo: Digital-first travel insurance provider serving European and global travelers with online quote, comparison and instant policy issuance. Closely mirrors Insurte's online, comparison-led model and multi-currency, multilingual platform approach.
- InsureMyTrip: US-focused online travel insurance comparison marketplace aggregating multiple carriers. Closely analogous comparison/brokerage model to Insurte, with similar multi-carrier panels and SEO-led acquisition.
- Squaremouth: US-based travel insurance comparison platform comparing policies from multiple carriers with strict provider criteria. Comparable as a digital-first multi-carrier travel insurance comparison broker.
- Cover-More: Asia-Pacific focused travel insurance provider and broker with strong outbound/inbound Asia travel coverage. Comparable in travel insurance specialization; Insurte's CCO previously led Cover-More Southeast Asia, indicating close market awareness.
Emerging players
- Faye: Digital travel insurance startup offering app-based coverage and integrated claims for travelers. Comparable in digital-first, customer-experience-led approach, though narrower product set than Insurte's comparison brokerage model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Insurte social profiles
Digital presenceInsurte compliance and trust
Trust signalCompliance4 records
Insurte financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insurte leadership team
Management profileNumber of profiles
Profiles4 records
Insurte funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insurte 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 Insurte
What does Insurte do?
Insurte is a digital insurance broker providing online comparison and purchase of worldwide travel and health insurance policies. The platform aggregates coverage from four major carriers (AXA, Mutuaide, Allianz, Europ Assistance) plus Foyer Global Health, offering Schengen visa-compliant, multi-trip, long-stay, and regional travel insurance products. It also provides a partner-facing API for white-label embedding of insurance into third-party platforms.
Is Insurte a public or private company?
Insurte is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Insurte founded?
Insurte was founded in 2010. It employs 11 to 50 people.
Where is Insurte based?
Insurte is headquartered in Caen, France, in the Europe region.
How does Insurte make money?
Two revenue lines are on record. Insurance Broker Commission is the primary driver. The others are affiliate/Referral Fees.
Who are Insurte's main competitors?
AXA Assistance is listed as a broad incumbent. Direct peers are SafetyWing, VisitorsCoverage, World Nomads, AardvarkCompare, HeyMondo, InsureMyTrip, Squaremouth and Cover-More. Faye is listed as an emerging player.
Does Insurte have an API?
Yes. Insurte offers a partner-facing API that enables seamless integration of travel insurance into various digital touchpoints. The API allows partners to embed travel insurance offerings, comparison tools, and white label solutions. Features include: embedded integration, evolutive and tailored insurances, comparison tool, easy and fast implementation, and white label / tech provider options. Partners can present contextually relevant travel insurance through their platforms via APIs or referrals. No public documentation URL was found; partners can request a demo through the partner portal.
What industry is Insurte in?
Insurte's product category is Travel Insurance Brokerage. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of THALALAK, Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance. Its NAICS code is 5242 and its SIC code is 6411.