What pheezen s.r.o. does

Pheezen Services s.r.o. is a privately held Czech limited liability company (s.r.o.) that operates schengen.insure, an online price-comparison and distribution platform for Schengen-compliant travel and health insurance. The company is supervised by the Czech National Bank (ČNB) as a licensed insurance agent and holds a permit to provide intermediation services throughout the European Economic Area (EEA). Its platform aggregates insurance products from partner underwriters — most prominently AXA (a global insurer with 107 million clients across 64 countries) and Aligotte (whose Schengen-area products are distributed exclusively through schengen.insure) — and targets non-EU third-country nationals (tourists, students, workers, and family members) requiring visa-compliant coverage. All products meet the requirements of EU Visa Code Regulation EC No. 810/2009.

The platform is built around a fully self-serve, three-step digital funnel (product selection, personal details, payment) that completes in approximately three minutes and issues a personalized visa certificate and digital insurance card immediately upon successful payment. It offers three core tiers: Students Insurance (from $20/month, with discounts up to 50%), Short Trips Insurance (from $30 per trip), and Long Trips Insurance (from $65, covering 1 to 36 months). Coverage spans all 26 Schengen zone countries with limits including €75,000 medical transport/repatriation, €50,000 pregnancy and birth, €40,000 civil liability, and 24/7 international assistance. The site is localized in five languages (Czech, English, Spanish, French, Russian) and integrates PayU and PayPal for payments, Google Analytics/AdWords and Facebook for marketing, and Smartsupp for live chat support.

Pheezen earns revenue exclusively through commissions from insurance providers on policies sold through the platform — the service is free to end customers and no direct fees are charged. Distribution is entirely direct-to-consumer via the schengen.insure website, supported by SEO, paid search, paid social, content marketing across a multi-language blog, and word-of-mouth referrals. The company is independently owned with no disclosed institutional investors, funding rounds, or M&A activity, holds the registered schengen.insure trademark, and has earned Czech Superbrand recognition.

Name

pheezen s.r.o.

Legal name

Pheezen Services s.r.o.

Website

https://schengen.insure

Company type

Private

Operating status

Operating

Short description

Pheezen Services s.r.o. operates schengen.insure, an online price-comparison and distribution platform aggregating Schengen-compliant travel and health insurance from AXA and Aligotte for non-EU travelers across 26 European countries.

Ownership category

akta.pro rank

Product category

Travel Insurance Aggregator

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)

Keywords

• Travel insurance
• Schengen visa insurance
• Insurance aggregator
• Insurance comparison platform
• Travel health insurance

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Revenue model

1. Insurance Intermediation / Commission: Pheezen Services s.r.o. operates as a licensed insurance agent (supervised by the Czech National Bank) that earns commissions on insurance products sold through its schengen.insure platform. The company acts as intermediary between customers and insurance providers (AXA, Aligotte), passing premiums to insurers and retaining commission.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Pheezen Services s.r.o. operates the schengen.insure online aggregator platform that compares and distributes Schengen-compliant travel and health insurance products from partner insurers AXA and Aligotte. The platform enables customers to compare coverage options, complete a purchase in approximately three minutes entirely online, and receive a personalized visa certificate and digital insurance card by email upon payment. Pheezen acts as a licensed insurance agent supervised by the Czech National Bank with an EEA-wide permit.

Product overview

Schengen.insure is an online insurance aggregator operated by Pheezen Services s.r.o., offering travel and health insurance products for foreigners traveling to and within the Schengen zone. The platform compares insurance offerings from multiple European insurers (notably AXA and Aligotte) and enables users to purchase coverage online in approximately 3 minutes. The core product portfolio comprises three insurance plans targeting distinct segments: Students Insurance (from $20/month), Short Trips Insurance (from $30), and Long Trips Insurance (from $65). All products comply with EU Visa Code (Regulation EC No. 810/2009) requirements, providing coverage for medical expenses, emergency care, and repatriation across all 26 Schengen zone countries. Supplementary features include a personalized visa certificate for embassy submissions and a digital insurance card for travelers. The service is available in 5 languages (Czech, English, Spanish, French, Russian) and operates exclusively online with no pre-approval required.

Differentiator

Problem solved

Functional benefit

Products and services

• Students Insurance Travel and health insurance tailored for international students studying in Schengen zone countries. Meets EU Visa Code requirements, with up to 50% student discount, priced from $20/month.
• Short Trips Insurance Travel and health insurance for short-term visitors to the Schengen zone, suitable for tourists and short-term travelers. Covers medical expenses and repatriation, priced from $30 per trip.
• Long Trips Insurance Travel and health insurance for extended stays in the Schengen zone covering periods from 1 to 36 months. Designed for workers, entrepreneurs, and long-term visitors, priced from $65. Includes international 24/7 assistance services and complies with EU Visa Code (Regulation EC No. 810/2009) requirements.

Quantifiable outcome

• Discount up to 50% for students on Schengen insurance
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• AXAcoreOthersAXA is a major global insurance company founded 30 years ago in France, with 107 million clients worldwide and operations in 64 countries. It is the world's most valuable insurance brand for 9 consecutive years. AXA provides travel and health insurance products for foreigners through the schengen.insure platform, meeting EU Visa Code (Regulation EC No. 810/2009) requirements for Schengen visa insurance.
• AligottecoreOthersAligotte is an innovative insurance brand that combines traditional insurance company values with modern customer needs for tailored Schengen-area travel solutions. It offers clients maximum value through optimal price-to-coverage ratios. Aligotte products are distributed exclusively through the schengen.insure platform.
• PayUsupportingTechnology or IntegrationPayU is a global payments company that processes credit and debit card transactions (Visa, Mastercard) for schengen.insure. Payments are handled through PayU's secure payment gateway, ensuring PCI-compliant transaction processing without storing sensitive card data on Schengen.insure's servers.
• PayPalsupportingTechnology or IntegrationPayPal is used as an alternative online payment processor for schengen.insure, allowing customers to pay directly from their PayPal accounts. Provides an additional secure, globally recognized payment option for international customers.
• Google (Analytics, AdWords)supportingTechnology or IntegrationGoogle provides analytics (Google Analytics with _ga, _gid, _gat cookies) for traffic analysis, Google Tag Manager (dc_gtm) for tag management, and Google AdWords for paid search and remarketing campaigns (ads/ga-audiences, IDE cookies). Used for digital marketing and customer acquisition.
• Facebook Ireland LimitedsupportingGTM or Marketing PartnerFacebook provides visitor behavior tracking (tr cookie) and advertising tools (fr cookie) for social media advertising and remarketing campaigns targeting potential insurance customers across Facebook and Instagram.
• Smartsupp.com, s.r.o.supportingTechnology or IntegrationSmartsupp provides live chat functionality (SL_C cookies) on the schengen.insure website, enabling real-time customer support during the insurance purchase process.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HeyMondo: HeyMondo is a digital-first travel insurance provider/aggregator offering online comparison and purchase of travel and Schengen-compliant health insurance across European markets. Highly comparable to schengen.insure in target customer (non-EU travelers to Europe), product mix, and online distribution model.
• VisitorsCoverage: VisitorsCoverage is an online travel insurance comparison marketplace focused on visitors to the US, Schengen zone, and other destinations. Like schengen.insure, it aggregates multiple carriers, enables online purchase, and targets non-resident travelers requiring visa-compliant coverage.
• Squaremouth: Squaremouth is a US-based travel insurance comparison platform that aggregates policies from multiple carriers for online purchase. It competes directly with schengen.insure's aggregator-and-compare business model, though with US-centric travel destinations.
• World Nomads: World Nomads is an established online travel insurance provider offering coverage for international travelers, including Schengen-zone trips. Comparable in online distribution, international traveler focus, and instant digital policy delivery, though broader in geographic reach.
• AXA Schengen (direct): AXA's own Schengen insurance portal is one of the underlying products distributed via schengen.insure and represents the most direct competitive alternative for non-EU travelers seeking Schengen visa-compliant coverage online. Comparable in product, pricing structure, and target customer.

Emerging players

• SafetyWing: SafetyWing is a digital-first travel health insurance provider serving remote workers, digital nomads, and international students globally. It overlaps with schengen.insure on the international student and long-trip segments but operates as a primary insurer rather than a pure aggregator.
• Insurance Market: Insurance Market is an aggregator/broker platform that compares travel, health, and motor insurance products online. Comparable in aggregator business model and digital self-serve purchase, though anchored in the UAE rather than Europe.

Regional players

• IamExpat Insurance: IamExpat Insurance is a Dutch-headquartered insurance broker focused on internationals and expats in Europe, including Schengen travel and health coverage. It overlaps with schengen.insure's expat/student segments but is anchored in the Netherlands market.

Broad incumbents

• Allianz Travel: Allianz Travel is one of the world's largest direct providers of travel insurance, including Schengen visa-compliant products sold online globally. It overlaps with schengen.insure on core product, geographic scope, and online purchase experience, but with a much broader insurance portfolio.
• GoCompare: GoCompare is a large-scale UK insurance comparison platform covering travel, health, and other lines. Comparable in aggregator/price-comparison business model and digital distribution, though broader in scope and primarily UK-focused.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

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 pheezen s.r.o.