# Tuio > Tuio is a digital-first insurance company based in Madrid, Spain, offering home, car, pet, life, and mortgage insurance 100% online. Founded in 2021, Tuio operates as a Managing General Agent (MGA) backed by Allianz, and is regulated by Spain's Dirección General de Seguros y Fondos de Pensiones (DGSFP). Tuio is a certified B Corp and has raised over $20M in funding. Tuio is the first insurance provider with a live AI application on ChatGPT, allowing users to explore coverage and get price estimates through conversational AI. ## Key Facts - **Website**: https://tuio.com - **Headquarters**: Calle Serrano 213, Madrid, Spain - **Founded**: 2021 - **Type**: Insurtech / Managing General Agent (MGA) - **Regulatory status**: Licensed insurance broker (DGSFP key J4039) and MGA (DGSFP key AS0129) with underwriting agreement with Allianz Direct Versicherungs-AG - **Certification**: B Corp certified - **Trustpilot rating**: 4.3/5 based on 17,000+ reviews - **Founders**: Josemaría Lucas (Operations), Asís Pardo, Juan García (Growth/CEO) - **Markets served**: Spain (primary), with English-language support for expats - **Pricing**: Home insurance from €3/month (tenants) or €5/month (homeowners and landlords), life insurance from €7/month, car insurance from €149/year (third-party liability) - **App stores**: Available on iOS (App Store) and Android (Google Play) ## AI Integrations - **ChatGPT App**: Tuio is the first insurance provider with an OpenAI-approved AI application on ChatGPT. Users can explore home insurance coverage, ask questions about policies, and receive price estimates through natural conversation — without leaving ChatGPT. App link: https://chatgpt.com/apps/tuio/asdk_app_6970fc7c958881918cfa39d58fc37e82 - **Powered by WaniWani**: The ChatGPT integration is built on WaniWani's AI distribution infrastructure, enabling regulated insurance quoting within third-party AI platforms. ## Insurance Products - [Home Insurance for Homeowners](https://tuio.com/seguro-hogar/propietarios): Building and contents coverage for property owners living in their home. Includes third-party liability, water damage, fire, theft, and more. - [Home Insurance for Tenants](https://tuio.com/seguro-hogar/inquilinos): Contents and liability insurance designed for renters in Spain. - [Home Insurance for Landlords](https://tuio.com/seguro-hogar/caseros): Coverage for property owners who rent out their property, including building protection and rental-specific risks. - [Mortgage Insurance](https://tuio.com/seguro-hogar/hipoteca): Insurance required by lenders for mortgage holders, meeting Spanish bank requirements at competitive prices. - [Life Insurance](https://tuio.com/seguro-vida): Digital life insurance with simple contracting, starting from €7/month. - [Expat Insurance](https://tuio.com/seguro-hogar/expats): Home insurance tailored for foreign residents in Spain, with English-language support and online management. - [Car Insurance](https://tuio.com/seguro-coche): Third-party liability car insurance from €149/year and extended third-party from €179/year, paid annually. - [Pet Insurance](https://tuio.com/seguro-mascotas): Health and liability insurance for dogs and cats. Tuio pays up to 90% of vet bills at any veterinarian. Two health plans: Protección Quirúrgica and Protección Total. Pets can be insured from 8 weeks to 10 years old, renewable for life. Underwritten by ASISA. - [Dog Insurance](https://tuio.com/seguro-mascotas/perros): Vet health and civil liability insurance for dogs, all breeds included (PPP too). - [Cat Insurance](https://tuio.com/seguro-mascotas/gatos): Vet health insurance for cats, up to 90% reimbursement. - [Pet Health Insurance](https://tuio.com/seguro-mascotas/salud): Compare Protección Quirúrgica and Protección Total for dogs and cats. - [Pet Civil Liability Insurance](https://tuio.com/seguro-mascotas/responsabilidad-civil): Third-party liability for dogs and cats, up to €200,000 per year. ## Get a Quote - [Get a price estimate in 15 seconds](https://app.tuio.com/estimate/products): Online quoting tool for all available products. - [Home insurance quote](https://app.tuio.com/estimate/home/house-use): Start a home insurance quote by selecting your property usage type. - [Life insurance quote](https://app.tuio.com/estimate/life/gender): Start a life insurance quote. ## Why Tuio - Policies are 8x shorter and simpler than traditional insurers, written in plain language with no fine print. - On average 21% more affordable than comparable insurance products. - File a claim in 2 minutes via the app, WhatsApp, or other channels. - 3-hour average response time for urgent claims. - Over 90% of claims resolved in less than 30 days; most within 24 hours. - Monthly subscription model for home, life, and pet insurance — cancel anytime, no penalties. Car insurance is paid annually. - Fully digital experience: buy, manage, and claim online or via mobile app. ## Customer Support - [Contact Tuio](https://tuio.com/ld/medios-de-contacto-con-tuio): All available contact channels. - [FAQs](https://tuio.com/faqs): Frequently asked questions about products, claims, and account management. - Support available via WhatsApp, email, phone, and in-app chat. - English-language support available for expat customers. ## Help & Resources - [Blog](https://blog.tuio.com): Articles on home, car, pet, and life insurance and the insurance industry in Spain — available in Spanish and English. - [Segurpedia](https://tuio.com/segurpedia): Insurance glossary and educational content explaining insurance terms in plain language. - [How to cancel an insurance policy](https://tuio.com/post/como-dar-de-baja-o-cancelar-un-seguro-en-2026): Guide to cancelling insurance policies in Spain. - [Best home insurance in Spain 2026](https://tuio.com/post/mejor-seguro-de-hogar-en-espana-2026): Comparison guide for home insurance in Spain. - [Best home insurance for tenants 2026](https://tuio.com/post/mejor-seguro-de-hogar-para-inquilinos): Comparison guide for renter insurance. - [Mortgage savings calculator](https://tuio.com/seguro-hogar/calculadora-hipoteca): Tool to calculate potential savings on mortgage-linked insurance. ## Partners - [Become a Tuio Partner](https://tuio.com/partners): Partnership program for brokers, real estate agencies, property managers, and other distribution channels. ## About & Trust - [About Tuio](https://tuio.com/about): Company story, mission, and team. - [Tuio in the Media](https://tuio.com/media): Press coverage in Cadena SER, El Economista, Capital, Seguros News, and more. - [Customer Reviews](https://tuio.com/opiniones-sobre-tuio): Overview of customer opinions and ratings. - [Trustpilot Reviews](https://es.trustpilot.com/review/tuio.com): Independent customer reviews with 4.3/5 rating from 17,000+ reviews. - [Refer a Friend](https://tuio.com/invite): Referral program for existing customers. ## Legal - [Terms and Conditions](https://tuio.com/terms): Legal terms of service. - [Privacy Policy](https://tuio.com/privacy): Data protection and privacy practices. - [Cookie Policy](https://tuio.com/cookies): Cookie usage information. ## Optional - [Sitemap](https://tuio.com/sitemap.xml): Full site map of tuio.com. - [App on iOS](https://apps.apple.com/es/app/tuio/id1585657815): Download Tuio from the Apple App Store. - [App on Android](https://play.google.com/store/apps/details?id=app.tuio): Download Tuio from Google Play.