About Us

Smarter Coverage for Global Adventurers

Founded in 1998, Smarter Travel Insurance has been helping travelers explore the world with confidence for over 25 years. Our management team are seasoned travelers and licensed insurance professionals with decades of combined experience in travel, insurance, and international assistance — giving us a deep understanding of what travelers truly need when things don’t go to plan.

What began as a niche surf-travel initiative has evolved into a comprehensive travel insurance platform serving adventure seekers, sports travelers, and global explorers. Today, we partner with trusted international insurers to deliver flexible protection for every type of journey — from luxury yacht charters and mountain adventures to sports competitions and remote destination escapes.

Our plans are designed to keep pace with modern travel lifestyles, offering:

  • Cancel For Any Reason (CFAR) options and trip cancellation protection up to $100,000 for high-value bookings.

  • Adventure and sports coverage for activities like diving, surfing, skiing, and mountain biking.

  • 24/7 global emergency and evacuation assistance for complete peace of mind.

  • Flexible B2B solutions for hotels, resorts, tour operators, travel agents, and yacht charters — helping partners protect clients and reduce liability.

Our Story

Experience, Integrity & Global Reach

At Smarter Travel Insurance, we focus on clarity, flexibility, and reliability. We don’t believe in one-size-fits-all coverage — instead, we create policies built for how and where you travel.

With over two decades of experience, we’ve watched travel evolve — and we’ve evolved with it. Whether you’re chasing waves, summits, snow, or serenity, our mission remains the same: To keep travelers protected wherever their next adventure takes them.

Smarter Travel Insurance is a brand of STI Surf Travel Insurance LLC, a licensed U.S. insurance agency registered in Florida, New York, and Hawaii. This solid foundation enables us to operate nationally while serving travelers and partners around the world through our growing network of affiliates, brokers, and global insurers.