insurance travel srl

What insurance travel srl does

Insurance Travel S.r.l. is an Italian online travel insurance intermediary headquartered in Torino, operating under the Holins brand. The company distributes travel insurance policies underwritten exclusively by IMA Italia Assistance S.p.A., covering medical expenses, baggage, trip cancellation, family travel, group travel, long-duration trips, students, business travelers, and annual multi-trip use cases for customers traveling worldwide. The platform is fully digital and self-serve, supporting policy selection, customization, payment processing via Setefi, and post-purchase claims handling through a dedicated online claims portal (sinistri.i4t.it).

The business model is that of a regulated insurance intermediary: Insurance Travel S.r.l. does not underwrite risk itself but earns commission on each policy sold through its Holins digital channel, while the underwriting carrier (IMA Italia Assistance) assumes the insurance risk. Customer acquisition is driven by an in-house content marketing operation (blog), social channels (Facebook), and public review presence (Trustpilot), positioning the company as a low-cost digital alternative to traditional travel-agency-anchored distribution. The company is registered with IVASS (reg. A000012924) and serves an annual volume of more than 150,000 insured travelers.

Holins has operated for over 20 years, built on a parent entity with 30 years of travel-insurance specialization and 40 years in the broader insurance market. The company has extended its product surface with the Cover Stay product, which adds COVID-19 quarantine coverage, and operates across multiple customer segments (individual, family, student, group, business, annual multi-trip). Distribution is entirely digital, with no disclosed enterprise channel partnerships or third-party white-label arrangements; the company depends on IMA Italia Assistance as its sole underwriting counterparty.

Name

insurance travel srl

Legal name

Insurance Travel S.r.l.

Website

https://holins.it

Company type

Private

Operating status

Operating

Short description

Insurance Travel S.r.l. is an Italian online travel insurance intermediary operating as Holins, distributing IMA Italia Assistance-underwritten policies via a self-serve digital platform to individual travelers, families, students, businesses, and groups worldwide.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAIAEAI

Travel Medical Insurance (Individual)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYFSAJAJAE

Baggage & Personal Effects Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Travel & Accident (Non-Life) Insurance

SECONDARYTHALALAK

Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance

Travel & Hospitality/Travel Technology & Distribution Services/Travel Insurance & Protection Technology (Embedded, Assistance Platforms)

Keywords

• Travel insurance
• Travel medical insurance
• Trip cancellation coverage
• Online insurance brokerage
• Travel assistance services

Headquarters

HQ city

Torino

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Insurance Premiums: Holins earns revenue by selling travel insurance policies to individuals and groups. Customers pay a premium (calculated based on destination, trip duration, number of travelers, and age) to receive coverage including medical assistance, baggage protection, trip cancellation, and other travel-related protections. Policies are underwritten by IMA Italia Assistance S.p.A., and Holins acts as an insurance intermediary/distributor, earning commissions on each policy sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Insurance Travel S.r.l. operates the Holins brand as a fully digital Italian travel insurance intermediary, distributing online travel insurance policies that cover medical expenses, baggage loss or damage, trip cancellation, medical repatriation, civil liability, and other travel-related risks. Customers obtain quotes and purchase policies directly through the Holins.it website, with certificates delivered by email and claims managed through an online portal. All policies are underwritten by IMA Italia Assistance S.p.A., and Holins earns commissions on each policy sold.

Product overview

Holins, a brand of Insurance Travel S.r.l., offers a comprehensive suite of travel insurance products accessible entirely online. The product portfolio includes trip cancellation, baggage, family, group, long-term, student, and medical travel insurance, plus business travel coverage. Core offerings are available as single-trip policies or annual multi-trip plans. The company also provides specialized coverage including Cover Stay for quarantine situations and policies valid for COVID-19 related events. All products are underwritten by IMA Italia Assistance S.p.A. and are distributed through a fully digital platform with 24/7 assistance.

Differentiator

Problem solved

Functional benefit

Brands

• Cover Stay: COVID-19 quarantine coverage product that reimburses additional accommodation and meal costs if travelers are forced to extend their stay due to quarantine or health measures.

Products and services

• Assicurazione Sanitaria Viaggio (Medical Travel Insurance) Travel insurance covering healthcare expenses, hospital stays, medical repatriation, and 24/7 assistance during trips, sold to Italian travelers through the Holins.it website.
• Assicurazione Annullamento Viaggio (Trip Cancellation Insurance) Reimburses penalties charged by travel operators in case of unforeseen and documentable trip cancellations.
• Assicurazione Bagaglio (Baggage Insurance) Covers loss, theft, damage, and delayed delivery of luggage during travel.
• Assicurazione Viaggio Famiglia (Family Travel Insurance) Family travel insurance valid for both parents (or one parent) with minor children; infants aged 0-24 months are included free when bundled with an adult insured.
• Assicurazione Viaggio Gruppi (Group Travel Insurance) Group travel insurance designed for multiple travelers going together, with unified coverage options.
• Assicurazione Viaggio Lunga Durata (Long-Duration Travel Insurance) Long-term travel insurance for extended trips lasting beyond standard short-trip coverage periods.
• Assicurazione Viaggio Studenti (Student Travel Insurance) Travel insurance for students on academic exchanges, language stays, and study abroad programs.
• Viaggi d'Affari (Business Travel Insurance) Business travel insurance for professionals and corporate travelers covering work-related trips and transfers.
• Polizza Annuale (Annual Multi-Trip Policy) Annual multi-trip travel insurance policy for frequent travelers covering multiple trips throughout the year, billed annually.
• Cover Stay (Quarantine Cover) Quarantine and health-hold coverage that reimburses additional accommodation and living expenses during forced stays abroad, plus costs for new return tickets (up to €2,500 per insured, €10,000 per case, no deductible).

Quantifiable outcome

• Over 150,000 travelers insured per year

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• IMA Italia Assistance S.p.A.coreTechnology or IntegrationIMA Italia Assistance S.p.A. is the insurance company that underwrites and issues the actual insurance policies distributed by Holins. Holins acts as an insurance intermediary/agent, marketing and selling policies underwritten by IMA Italia Assistance. All Holins insurance products (Medico Bagaglio, Medico Bagaglio Annullamento, annual policies) are backed by IMA Italia Assistance, a specialized and renowned assistance company operating worldwide.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Insurance4Travel (i4T): Italian online travel insurance specialist selling comparable individual and group travel insurance products in the Italian market. Notably referenced as the technology back-end (sinistri.i4t.it) used by Holins for claims management, making it both a partner and a direct competitor in the same segment.
• GenialMore: Italian digital travel insurance brand offering single-trip and annual multi-trip policies directly online. Closest direct competitor to Holins in the Italian online travel insurance intermediary market with a similar product breadth and direct-to-consumer model.
• Filo Diretto Assicurazioni: Italian insurance intermediary specialized in travel and personal accident policies, distributing through its own digital channels. Directly comparable to Holins in product mix (medical, baggage, cancellation) and target customer (Italian leisure and business travelers).

Broad incumbents

• Cover-More: Specialized travel insurance provider operating across multiple markets, underwritten by Zurich Insurance Group. Comparable in product focus (single and multi-trip travel insurance) and direct online distribution, though it serves broader geographies than Holins.
• Allianz Travel: Global insurance group's dedicated travel insurance arm, offering single-trip, annual, and family travel policies across Europe. Competes with Holins on online travel insurance products but operates as part of a much larger, multi-line insurer with broader brand reach.
• Europ Assistance Italia: Major European travel and assistance insurer with a large Italian footprint, offering travel medical, cancellation, and bundled assistance products. Competitor to Holins but part of a broader insurance group (Generali) with diversified personal and commercial lines.
• AXA Travel Insurance: Italian branch of AXA offering travel insurance (medical, cancellation, baggage) as part of a multi-line personal insurance portfolio. Competes with Holins on travel policies but supports sales with much broader product, brand, and distribution assets.
• Vittoria Assicurazioni: Italian general insurer offering travel insurance as part of its personal lines portfolio (including travel, auto, health, and home). Comparable distribution-side competitor for the Italian travel insurance customer but operates as a much larger multi-line incumbent.

Emerging players

• World Nomads: Online-first travel insurance specialist targeting adventure and long-duration travelers globally. Similar digital-distribution model and product focus on travel insurance, though it operates across multiple geographies rather than a single domestic market.
• SafetyWing: Digital travel medical insurance provider offering subscription-based coverage for nomads and remote workers. Overlaps with Holins' long-duration and medical travel products and shares a fully online, self-serve distribution model, though targeting a different segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/holins.it

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 insurance travel srl