Insurte

What Insurte is

Insurte is an insurance broker, not an insurer: its footer describes it as an insurance broker registered "with ORIAS under number 10 056 187," and states that "Insurte is subject to the control of the French Prudential and Resolution Supervisory Authority (ACPR)." On its own site Insurte works like a comparison tool: the travel medical insurance page invites a visitor to "Find the right travel insurance through our travel comparison search engine," which returns policies from partner insurers rather than a single Insurte-branded policy. The about-us page states "Founded in 2010," and the editorial policy page names Stéphane Jersol as CEO and founder, crediting him with "nearly 20 years of experience in the insurance industry, including more than 15 years dedicated specifically to travel insurance." The legal notice describes the company as "A simplified joint stock company (SAS) with a capital of EUR 10,000," "Headquartered at 75 rue de l'Arquette 14000 Caen (France)," and says the same company edits a second domain, vti.travel.

The site names the carriers behind its policies in several places. The long-stay FAQ states, "Our available long-stay insurance plans are offered by Europ Assistance, Axa Platinum and Mutuaide." The partner section of the travel medical page names MUTUAIDE, "part of Groupama," and "Global Health Insurance by Foyer Group," followed by "and more." The long-stay FAQ also describes a buyer's choice as "Axa Platinum's Europe insurance or Mutuaide's worldwide coverage." Which of those carriers stands behind a particular policy shows in the comparison results, not on the landing pages.

Product lines

Insurte's menu covers several separate lines: Schengen Travel Insurance for visa applicants, Long-Stay Travel Insurance for extended trips, Travel Medical Insurance, Visitors Insurance for the US and Canada, Travel Insurance for the UK, Australia and New Zealand, International Travel Insurance, and Multi-trip Travel Insurance. The editorial policy page says its written guides go through drafting by "Insurte's content or insurance specialists" and review by "an internal expert with hands-on experience in travel insurance and visa requirements."

Schengen cover is the product the site builds around. The homepage says Insurte "makes sure you're ready for your Schengen visa application with a wide range of compliant visa insurance policies," meeting Schengen Area Agreement rules "including emergency medical coverage with a €30,000 minimum." The travel medical page lists what a Schengen-compliant policy must do: cover "repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death," "Provide a minimum coverage of €30,000," be valid in "all 29 Schengen Member states," and last for the whole stay. That figure is the visa rule the site describes, not a benefit limit Insurte sets.

What the policies cover

The travel medical and long-stay pages carry the same "We can cover you for" block: Medical Expenses "In case of illness or injury (up to €200,000). Emergency dental expenses included," Medical Repatriation "In case of illness or injury (Actual Cost). Transfer of mortal remains included," travel assistance described as "24/7 Information, Support, and Services before and during your trip(s)," luggage and valuables against "Theft, loss, destruction or delayed delivery," sports "Search & rescue costs," and Personal Liability Abroad for damage to third parties. The block is not tied to one named policy, so the limit on a given policy comes from the comparison results.

The long-stay page explains the split between products. It says short-stay cover "restricts your time abroad to a maximum of 90 days," and its FAQ states that "A standard long stay policy will cover you for more than 90 consecutive days abroad and up to 365 days (with an automatic renewal option without fees)." It suggests long-stay cover for someone "working remotely from different locations for more than 3 months," and says it can cover students on a semester abroad, while noting that "travel insurance covers emergency medical treatment only." A worldwide policy covers any destination "except for restricted areas such as warzones," and a Schengen or EU policy is limited to those regions. The FAQ adds that French overseas territories and the Caribbean parts of the Kingdom of the Netherlands, which sit outside Schengen, are covered by its worldwide travel medical insurance.

Who can buy it and how it works

The eligibility answers on the site are broad. The travel medical FAQ states, "Yes, Insurte's travel medical insurance has no upper age limit. You can get coverage at any age without a price increase based on age, and no medical forms are required before applying." It says the cover "is available to travelers of any nationality" and "can be purchased from any country, regardless of your departure point." On price it states that "Insurte offers pricing that does not vary based on age, nationality, or gender," and describes cost as depending on destination, trip length and the extent of cover. On deductibles, the FAQ says "Deductible plans have lower premiums but require an upfront payment for claims" and that "Some governments only accept no deductible insurance for visa applications." On Covid-19, it says a traveler is "not required to be vaccinated against Covid-19" for cover to be valid.

Buying runs in three steps on the page: compare policies, fill in a form, for which "your passport number is needed," and receive the certificate. The homepage says its "100% online process and partnerships with top insurance providers worldwide allow you to quickly compare policy options and receive a digital certificate in just a few minutes." Certificates carry a QR code that embassies and travelers can scan to check authenticity on insurte.com. Once bought, "you'll no longer be able to add any additional guarantees to your policy." If a visa is refused, the FAQ says "Insurte offers a full refund for travel insurance in the event of a visa refusal" and that "You will need to provide proof within 14 days to claim your refund."

Claims and changes after purchase

For a medical emergency the site's claim steps are to "Contact your insurer immediately (available 24/7)," after which "The insurer will process your emergency." Refunds run through Insurte's own form. The policy-update page lets a buyer correct a name, date of birth or travel details so the policy matches a passport or visa, but "All updates must be requested before your policy starts" and "Changes after the policy start date aren't possible." The extend page says "You must request an extension before your contract's end date," that "Once your policy has expired, it can no longer be extended," and that an extension leaves the traveler with "two consecutive contracts covering your entire trip." The legal notice lists "a financial guarantee insured by CGPA, under the valid number GFI 77061 and professional liability insurance with CGPA under no. RCP77061," cover held by Insurte as a broker rather than a traveler's policy. The landing pages give no claim deadline and no pre-existing-condition rule.

Who it suits

Insurte suits a traveler who needs a certificate for a Schengen visa, since the site states the €30,000 rule, issues the certificate online and refunds the premium on a visa refusal with proof inside 14 days. It fits long stays, remote work stretches and semesters abroad through policies it says run up to 365 days, and older travelers or buyers of any nationality, given its stated lack of an upper age limit and of age-based pricing. It fits less well for a buyer who wants a fixed premium or a per-policy medical limit before entering trip details, since both come from the comparison results, and the claims themselves are handled by the insurer rather than by Insurte.