# Pelotea

> Embedded micro\-insurance APIs and SDKs for SaaS platforms and digital businesses

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Quito, Ecuador |
| Founded | 2018 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Seed |

## Overview

Pelotea, now operating as InsureHero, is an embedded insurance platform for SaaS companies, digital platforms, and sports organizations in Latin America. The company provides a REST API and SDK toolkit that enables businesses to add insurance products to their offerings without building insurance infrastructure from scratch.

The core product is the Shield API, a multi-insurer REST API that handles policy configuration, real-time claims processing, and customer support through an AI-powered interface. The platform supports two integration modes: a fully customized embedded experience and an express mode for rapid deployment, allowing partners to go from configuration to live in days rather than months. Eight verticals are supported, including fintech, mobility, ecommerce, delivery, travel, education, healthcare, and sports.

The company was founded in 2018 through the Founder Institute accelerator in San Francisco and is headquartered in Quito, Ecuador. It has raised approximately USD 210K in seed funding from Founder Institute, Loyal VC, Insurtech., and White Hibiscus Capital, and was selected for Endeavor Ecuador's Demo Day in 2023.

## Products & services

### Shield API

A unified REST API providing access to multiple insurance carriers for businesses that want to embed insurance into their platforms. Supports policy configuration, claims handling, fraud prevention, and customer service through AI-driven chatbot workflows.

**Key features:**

- Dual integration modes: full customization and express/conversational mode
- Real\-time claims processing and fraud prevention
- AI\-powered chatbot for customer support and claims inquiries
- Live dashboards for performance analytics
- Automated workflows with AI\-driven scaling

*Target users:* SaaS platforms, fintech companies, mobility apps, ecommerce platforms, and sports organizations seeking to add insurance as a revenue stream

### PeloteaCare Sports

Original product offering embedded personal accident insurance for recreational sports participants. Covers medical expenses for accidents during games, training, and travel, plus accidental death coverage.

**Key features:**

- Personal accident coverage for recreational sports players
- Medical expense coverage for game, training, and travel accidents
- Accidental death coverage
- Integration with sports management platforms and academies

*Target users:* Sports leagues, academies, teams, and sports management platform operators in LATAM

## Category & focus

- Subcategories: Embedded Insurance, API Platform, Micro\-insurance
- Insurance verticals: P&C Personal, Specialty/E&S
- Target customers: Carriers, Brokers, Agents/Agencies, Consumers

## Notable customers

- VAMOS PASAJES \(travel platform\) \-\- integrated insurance products within one week
- Idukay \-\- complemented technology offering with embedded insurance

## Links

- Website: <https://www.insurehero.io/>
- Directory profile: <https://insurtechlist.com/companies/pelotea/>
- Linkedin: <https://www.linkedin.com/company/weareinsurehero>
- Documentation: <https://docs.insurehero.io/shield-api>

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*Last updated: 2026\-06\-15*