AVI is an international broker specialized in travel insurance since 1981. AVI operates and is fully licensed in Europe and the US, both as a broker and a TPA. In 2008, AVI joined the SPB Group (1 300 employees in 17 countries) and was fully acquired in 2013. Today, AVI shares with the group the same IT Infrastructure, Claims Management System, Phone Service Platform, Compliance rules, enabling a high level of flexibility and quality of service. INTERNATIONAL 4 offices : Paris, Madrid, Miami, Hong Kong 450 partners across the world: Travel agents/ Travel guides/ Airlines / International schools/ Banks/ Travel bloggers. • Insurance Licenses in the US and Europe • TPA Licenses in the US and Europe • Multiple risk carriers • Multilingual team • Access to the largest medical networks • Advanced online booking tool • Up-front payment (Guaranty of payment / PPO network) • Multi-currencies reimbursements • In-house claims processing • Additional services through mobile app EXPERTISE & FLEXIBILITY 3 Main markets: Leisure / Education Banks & Credit Cards 3 Main distribution channels: B2C / B2B2C / B2B DIGITALIZING TRAVEL INSURANCES Customers have higher expectations regarding their travel insurance. They require: • real time services, • more transparency regarding benefits, process, etc., • immediate answers to their questions, • online tools simplifying their process, • customization of their benefits.