Voyacover — Travel insurance that answers the phone

The problem

It's 1am. A snowstorm just cancelled your flight.

You're stranded in a freezing terminal, phone dying, no hotel, no way home. You bought travel insurance for exactly this. So you call the number on the policy. It rings. And rings. Hold music. It's after hours, no one speaks your language, no one picks up at all. Standing there, cold and ignored, you decide you'll never trust that brand again.

Ringing. No answer.

And it's not rare. Every night, in some timezone, in some language, an insurer is losing a customer at the one moment that mattered most.

~40%of paid travel claims are trip cancellation or interruption

6-10 minaverage insurance call handle time, hard to rush on coverage

2×a single weather event can double call volume overnight

The solution

Specializing in travel insurance.

Voyacover answers the phone 24/7 in the caller's language, quoting, selling, and handling claims, end to end.

Quote & sell

Gathers the trip, prices it, and binds the policy on the call.

Coverage answers

"Am I covered if my flight's cancelled?" answered from your rules, never guessed.

Claims (FNOL)

Takes the loss, opens the claim, and tells the traveler exactly what's next.

Hear it in the caller's language, native voices in English, Spanish, Portuguese, French, German, and Chinese. Tap to play.

And the focus is the moat, not the model.

We run on a frontier model for quality today. Every call we handle trains a proprietary travel-insurance model. Our moat isn't the weights, it's the dataset, and it's one no competitor can copy.

Data flywheel

It compounds. The more we run per account, the sharper our evals and edge-case coverage get, depth a generalist never accumulates.

Compliance as product

Jurisdiction disclosures, no-advice limits, PII/PCI, full audit trail. Hard to bolt on later.

Integrated and sticky

Wired into policy, quoting, and claims systems. Ripping us out means rebuilding the workflow.

Model-agnostic

We ride every model gain without re-platforming, while rivals defend an "own LLM" that isn't real.

Why now

The window's open, and nobody's in it.

01Voice AI just crossed the phone-quality bar. Real, unscripted calls only got good this past year.
02The model stopped being the moat. Everyone wraps the same frontier models. Depth wins now.
03Disruption is rising. More storms and travel means more claims and more calls.

Player	What they do	Travel insurance?
Voyacover	Voice agent built for travel insurance	Purpose-built
Liberate	Insurance voice AI ($50M)	P&C, not travel
Allianz + Anthropic	In-house AI on Claude	Motor & health, not travel

No funded voice-AI company does travel insurance. Incumbents point their AI at motor and health, travel is a rounding error. First mover takes the design partners.

Liberate: verified 2025 Series B (Battery Ventures). Competitive positions per public materials, July 2026.

The market

A wedge into a market every travel insurer already pays for.

Large, under-penetrated, growing on three curves: more coverage, more travel, more disruption.

~$30Bglobal travel-insurance market, growing ~15% a year

~40%of US travelers now insured, up from 28% pre-COVID, ~50% by 2030

10s of Mpolicies a year, each a potential quote, coverage, and claim call

TAM $13B → $154BAI in insurance, 2026 → 2034

SAM ~$1.5Btravel-insurance quote, servicing & claims call ops, globally

SOM ~$10M ARR~40 reachable insurtechs & MGAs at ~$250K, our 3-year wedge

Bottom-up: ~1,000+ travel insurers, MGAs, assistance providers and insurtechs run phone ops; the workflows we automate are a real slice of that spend. Figures directional; sources in footer.

Business model

We charge per call. We cost a fraction of a human.

How we charge

A monthly platform fee plus a flat rate per resolved call, around $1.50. No per-seat licenses, no overtime, no night shift.

Why they buy

~$1.50 a call vs $6-12 for a human agent, they cut cost 75%+ and get 24/7 coverage in every language.

What it means for us: a mid-size insurtech (~30k calls/month) is a ~$300K ARR account, so $1M ARR is three accounts, and it grows with every call.

Go-to-market: land D2C insurtechs first (Faye, SafetyWing, Battleface, Seven Corners) via ITIC Americas and founder outbound, then MGAs and TPAs.

The ask

Raising $1.5M pre-seed.

$1.5M

pre-seed round

$10M

post-money SAFE cap

18 mo

runway to pilots & revenue

Capital takes us to 3-5 design-partner pilots, the compliance and evaluation layer, the first carrier integration, and two key hires. Eighteen months to 2-3 paid pilots (~$500-750K ARR) and a $4-6M seed.

Where the $1.5M goes

55%TeamFounder, a founding engineer, and an insurance/GTM lead

20%Product & complianceEvaluation/QA layer, first carrier integration, infrastructure

15%Go-to-marketDesign-partner pilots, ITIC and industry presence

10%Ops & bufferLegal, SOC 2 prep, contingency

Top of the 2026 pre-seed band, earned by a working product in an open vertical. The cap is negotiable; the wedge isn't.

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Caller dials→Quote→Coverage Q&A→Sell policy→File claim→Recorded & scored

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Travel insurance that answers the phone.