# Samos Insurance > Canada's first Surgical Risk Insurance provider for elective procedures and childbirth ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | Kitchener, Ontario, Canada | | Founded | 2021 | | Employees | 1-10 | ## Overview Samos Insurance is an accidental death MGA operating in Canada, focused exclusively on surgical risk coverage for individuals undergoing elective procedures and childbirth. The company underwrites and distributes Surgical Risk Insurance (SRI) -- a category it pioneered -- along with birth coverage and group benefits products, using a proprietary machine learning model to price individual surgical procedures and issue policies digitally. SiriusPoint (NYSE: SPNT) serves as Samos's primary capacity provider and strategic equity investor, with additional reinsurance backing from Axis Reinsurance Company and Berkley Life & Health Insurance. The company was admitted to Y Combinator's Winter 2022 cohort and completed a seed round of USD 3.5M with participation from MGV, MS&AD Ventures, and North South Ventures. Samos distributes through insurance advisors and brokers, as well as direct-to-consumer digital channels. Policy applications are completed online without medical exams, with approval available in approximately five minutes via digital underwriting and e-signature capabilities. ## Products & services ### Surgical Risk Insurance \(SRI\) Accidental death coverage for individuals undergoing elective surgeries. Covered procedures include joint replacements, heart surgery, cancer diagnostic procedures, and other scheduled operations. Underwriting is automated using a proprietary ML risk model. **Key features:** - Accidental death benefit tied to specific surgical procedures - No medical exam required - Digital application with e\-signature and policy issuance in approximately 5 minutes *Target users:* Individuals scheduled for elective surgery across Canada *Distribution:* Direct\-to\-consumer digital channel and licensed insurance advisors/brokers ### Birth Coverage Insurance Accidental death coverage for the mother during scheduled caesarean sections and childbirth events. **Key features:** - Coverage for mother's passing during childbirth - Focused on scheduled delivery events *Target users:* Expectant parents in Canada *Distribution:* Direct\-to\-consumer and advisor channels ### Group Benefits \(B2B\) Temporary coverage products offered through employer and association group plans, designed to supplement standard group benefit programs. **Key features:** - Flexible temporary coverage for surgical and life events - Designed to fill gaps in standard group benefit plans *Target users:* Employers and associations in Canada *Distribution:* Employer benefits channels and insurance advisors ### Insurance Professional Solutions Coverage gap solutions for insurance advisors and brokers seeking to enhance client portfolios with surgical risk protection. *Target users:* Licensed insurance advisors and brokers *Distribution:* Wholesale and direct advisor partnerships ## Links - Website: - Directory profile: - About: - Pricing: - Linkedin: - Y combinator: --- *Last updated: 2026\-05\-18*