Investor Relations
Meet Terra. The AI for tourist medical emergencies.
When a tourist gets hurt or sick abroad, the response is ad-hoc, slow, and expensive. Terra is the AI that coordinates travelers, clinics, hotels, and insurers in real time — turning a chaotic necessity into structured infrastructure.
Over 1,000 emergency cases already coordinated — and counting.
The Problem
A tourist breaks their leg in Bali. Then what?
The hotel calls a taxi. The taxi goes to the nearest clinic, which can't handle fractures. The clinic calls a hospital. The hospital wants payment upfront. The tourist's insurance requires a guarantee letter — but it's 2am in the insurer's timezone. The hospital won't treat without payment confirmation. Hours pass.
This happens thousands of times a day across Southeast Asia, Latin America, and every region where tourism outpaces healthcare infrastructure. There is no system connecting these parties. Every emergency is coordinated ad hoc — via WhatsApp, phone calls, and personal contacts.
Terra replaces this legacy with AI infrastructure.
The Opportunity
Multiple markets, no infrastructure
Tourist SOS does not fit one market. We sit at the intersection of several that touch every tourist medical emergency — cross-border claims, medical billing, provider coordination, insurance verification, and emergency response. Today they operate in fragments. Terra is what consolidates them.
300M+
International tourist arrivals in our target developing markets per year
$1.5B+
Tourist medical claims paid annually in target markets — and growing as insured travelers shift to emerging destinations
~70%
Healthcare providers in target markets with no direct connection to global insurance, TPA, or payment systems
4-8hrs
Average time to coordinate emergency care abroad
This is not medical tourism. It is “oh shoot — I got hurt on my trip and I need help.” That moment is the intersection of claims, billing, provider coordination, and emergency response — markets that today operate in fragments. Cross-border claims are routinely delayed or denied when providers and payers can't coordinate in real time. Terra is the AI that consolidates this, retiring a legacy international response model that has barely changed in decades, especially across developing countries.
The Platform
One AI. Four surfaces.
Terra is the AI that runs every case. Travelers, providers, hotels, and our internal operators all talk to the same brain — and every case strengthens the next one. The four products are the doorways. Terra is what waits behind each of them.
The AI Layer
Terra
Terra is the intelligence behind everything we do — the one brain the traveler, the provider, the hospitality operator, and our own ops team all talk to. The four products are simply how Terra shows up to each of them.
Multilingual intake
Symptoms, location, insurance, and language captured in seconds — across 20+ languages.
Provider matching
Capability-scored routing to the nearest vetted clinic or hospital. Not the nearest taxi.
Insurance coordination
Real-time verification and guarantee-of-payment workflows, built for direct payer integration.
Compounding intelligence
Every case improves the next one. Provider quality, language nuance, insurance edge cases — all fed back.
The Four Surfaces
SOS Travel
Traveler-facing app. Press SOS, talk to Terra, get connected to vetted local providers in minutes.
SOS Pro
Provider portal for clinics and hospitals. Terra pre-triages every incoming case, then hands it off structured.
SOS Safe
Hotel and tour operator console. Terra manages guest incidents and routes to the right local responder.
Command Center
Internal operations platform. Where our team and partner integrators see every case across the network in real time.
How It Works
From emergency to resolution
Traveler presses SOS
Terra AI collects symptoms, location, insurance info, and language. Creates a structured case in seconds.
Provider matched and notified
The system identifies the nearest vetted provider with the right capabilities. The clinic sees the case immediately in SOS Pro.
Insurance verified in real time
Tourist SOS contacts the insurer, obtains the guarantee letter, and confirms coverage — before the patient arrives.
Care coordinated
SOS Command tracks the case from intake to discharge. Transport, admission, treatment, and payment are all visible in one place.
Everyone gets paid
The provider gets a guaranteed payment path. The insurer gets structured claims data. The traveler gets care without negotiating from a hospital bed.
Business Model
Four revenue streams, one platform
Free for travelers. Revenue from the providers, hotels, and insurers who need the coordination.
Travelers
FreeEmergency app is free. Premium tiers for pre-trip medical profiles and priority response.
Providers
SaaS + per-caseMonthly platform fee for clinics/hospitals. Per-case coordination fee for emergency intake.
Hotels & Tour Operators
SaaSGuest incident management. Liability reduction. Emergency protocol integration via SOS Safe.
Insurers
Per-verificationReal-time insurance verification and claims coordination. Reduces fraud and processing time.
Competitive Advantage
Why this is hard to replicate
The defensibility isn't the software — it's the ground-level provider relationships, the four-sided network that compounds with every case, and fifteen years of operational know-how that can't be shipped overnight.
AI made the multi-front startup possible
Pre-LLM, a small team serving four customer types at once would have shipped four mediocre products. Terra changes the math: one AI, four surfaces, one team — so we sit across all four parties to an emergency at once, where others build for one.
Terra is the consolidation, not the chatbot
Anyone can build conversational AI. Our defensibility is what Terra consolidates — claims, billing, provider routing, insurance verification, and transport coordination — across four customer surfaces, all feeding the same loop. The AI is the tool. The consolidation is the company.
15+ years of operational expertise
The founder spent 15+ years in hospitality, healthcare logistics, and on-the-ground emergency response across Southeast Asia. Existing clients and provider relationships predate the company. The network started with people we already worked with — not BD slides.
Patent-pending coordination architecture
We've filed patent-pending claims on the cross-border coordination architecture — one layer of a moat that's mostly operational, not just legal.
Four-sided network effects
More providers make Terra better for travelers. More travelers make it essential for providers. Hotels feed cleaner data to insurers. Insurer integration brings more providers in. Every side strengthens every other — and we are the only platform sitting in all four positions at once.
Ground-level provider relationships
Built from actual emergency logistics work in Southeast Asia. Provider contracts and operational trust are not things competitors can shortcut, no matter how fast they ship features.
Traction
Built, not pitched
Over 1,000 emergency cases have already passed through the system — real volume from a live operation, not a concept
15+ years of founder operational expertise in international medical evacuation across developing tourist markets — we are encoding workflows we already ran, not hypotheses we are guessing at
Existing client relationships across regional hospitality and provider networks — these predate the company, built over years rather than pitched
Live operations in Thailand and Laos, with an expanding provider network and a playbook built to extend across the region
Every case we coordinate sharpens provider matching and insurance handling for the next — the system compounds as it runs
Patent-pending coordination architecture for cross-border emergency logistics
Expansion Strategy
Built for developing tourist economies — where the gap is sharpest
We started in Laos — a country with millions of tourists per year and almost no emergency coordination infrastructure. It forced us to build everything from scratch: provider relationships, insurance workflows, transport logistics. The hardest market makes the strongest playbook.
That playbook extends across Southeast Asia — Thailand, Indonesia, Vietnam, Cambodia, the Philippines, Malaysia — where tourism volume is massive but emergency healthcare coordination is still ad hoc.
The map expands wherever developing-world tourism outpaces healthcare infrastructure: Mexico, Central America, South America, India, the Maldives, Sri Lanka. These are the destinations where the structural gap is sharpest and the cost of inaction is highest.
We are not chasing London, Paris, New York, or San Francisco. Mature healthcare markets do not have this gap. We are building infrastructure for the destinations that need it.
The Founder
Built by someone who lived the problem
Juan Antonio Quiroz
Founder & creator of Terra
Fifteen-plus years in international medical evacuation and on-the-ground emergency response across developing tourist markets — Terra encodes the workflows Juan already ran by hand.
It started with Abe. When he needed life-saving spine surgery, Juan saw firsthand how broken emergency medical care becomes when no system connects the people trying to help — and how much still comes down to a few of them improvising. Terra is that improvisation, turned into infrastructure.