Parallel18 & Pygma alum

A child's education shouldn't depend on luck.

Kiddo is the education insurtech guaranteeing educational continuity for children across Latin America. If the person paying is gone, our education insurance pays the school or university directly.

Paid directly to the school No medical exams for families 100% digital
300+families protected across LatAm
$15M+USD in education guaranteed
<$0.25USD a day · Kiddo for families
<5 minto activate coverage
Backed by and partnered with
pygma parallel18 Seguros Bolívar Global Seguros Allianz
Educational continuity

When a family loses its income, the first thing to break is education.

Across Latin America, millions of children depend on a single income to stay in school. A death or disability can pull them out of the classroom overnight. Kiddo exists so that doesn't happen.

Life goes on. Education shouldn't stop.

01

Loss of a parent

Kiddo triggers direct payments so studies continue without interruption.

02

Total and permanent disability

If the provider can no longer work, the policy covers tuition and fees.

03

Changing schools

The policy adjusts to the new school's cost. Protection moves with the child.

04

The college goal

We use AI to project future tuition, so you insure the right amount today.

How it works

Insurance that doesn't pay out cash. It pays out years of school.

We designed the product around a single outcome: the child stays in the classroom.

1

Pick the goal

School or university. We calculate what it takes to protect their full education.

2

Activate in minutes

Digital issuance with leading insurers. Monthly or annual premium, sized to you.

3

If something happens

In case of death or total and permanent disability, Kiddo handles the claim.

✓

Paid straight to the school

The money goes to the educational institution. Its purpose is guaranteed.

Two ways to protect

Choose the Kiddo that fits you.

For schools and universities protecting their whole community, or for families who want to do it today from their phone.

Insurance for schools & universities

Kiddo for institutions

Comprehensive education insurance for schools, universities and their families. Academic continuity and protected receivables, with 24/7 human support.

  • Direct payment to the institution
  • Life and total & permanent disability coverage
  • AI-powered college cost projections
  • Severance fund eligible (Colombia, Law 1809/2016)
Explore Kiddo → somoskiddo.com
100% digital · No medical exams

Kiddo for families

Protect your kids' school or university from the app in under 5 minutes. No medical exams, no paperwork.

<$0.25USD / day
  • S, M and L plans with Seguros Bolívar
  • No health questionnaire
  • Calculator: see how many years of school you cover
Protect my family → somoskiddo.digital
Education insurtech

Education insurance, rebuilt from scratch.

Direct payment, no middlemen

The benefit goes to the institution, not as cash. Zero risk of diversion.

AI projections

We estimate future education costs to insure the right amount.

100% digital

Quote, buy and manage from your phone. Instant issuance.

Tier-one insurers

Policies backed by Seguros Bolívar, Global Seguros and Allianz.

Real flexibility

Change schools or goals and your coverage adjusts with you.

24/7 support

Real people beside the family in the hardest moment.

Backed by

Built with the right backing.

Fintech accelerator · LatAm ↔ New York

Part of the Pygma portfolio, the Latin American fintech accelerator connecting the Latino ecosystem with New York.

Accelerator · Puerto Rico

Part of the Parallel18 portfolio, Puerto Rico's accelerator connecting LatAm startups with the U.S. market.

Insurance partners
Seguros Bolívar Global Seguros Allianz
FAQ

All about education insurance.

Insurance for schools, educational continuity and how Kiddo works, made simple.

What is education insurance?

Education insurance protects a child's education if the person paying for it dies or suffers a total and permanent disability. With Kiddo, the benefit is paid directly to the school or university, so the student never has to stop learning.

What is educational continuity?

It's the guarantee that a student can keep studying even if their family loses the income that paid tuition and fees. Kiddo secures educational continuity with direct payments to the institution, up to the insured amount.

How does Kiddo's insurance for schools work?

With Kiddo for institutions, schools and universities offer education insurance to the families in their community. If a covered event happens, payment goes straight to the institution: the student stays in class and the school's receivables stay protected. Learn more at somoskiddo.com.

How much does education insurance for families cost?

Kiddo for families costs less than USD 0.25 a day, takes under 5 minutes to buy online and requires no medical exams or health questionnaire. Calculate your coverage at somoskiddo.digital.

What is an education insurtech?

A company that uses technology to build and distribute insurance focused on education. Kiddo combines digital issuance, AI-powered education cost projections and partnerships with regulated insurers to make protecting education simple and accessible across Latin America.

Can I use my severance fund (cesantías) to pay for education insurance?

In Colombia, Law 1809 of 2016 allows workers to use their cesantías to pay for their children's education insurance and savings. Kiddo guides you through the process.

No child in LatAm should stop learning because of what no one could foresee.

Choose how to start. It takes minutes; it protects years.