FOUNDER · OMBRELA

Built by someone who has lived across borders.

I am Pierre Subeh. Ombrela began as an idea in Curaçao in 2019: a place where families who live between countries can understand their coverage, compare honestly and talk to a person.

BornLattakia, Syria
RaisedCuraçao
BuildingLos Angeles
RecognitionForbes 30 Under 30, Marketing and Advertising, 2022

Pierre Subeh, founder of Ombrela — Pierre Subeh, founder

MY STORY

01 · Many homes

Every move came with the same question.

I was born in Lattakia, Syria. I grew up in Curaçao, then built my life in Florida and now Los Angeles. Every border I crossed came with a question nobody answered clearly: am I covered here? As a newcomer, I learned how easy it is to fall into the gap between one country’s system and the next, and how little help there is when you do.

02 · Family visiting

Hosting family should not start with fine print.

When family came to see me in the United States, buying their visitor medical insurance was the most stressful part of the trip. Policy maximums, deductibles, acute onset, pre existing conditions: every site said something different, and the cheapest option was rarely the one that would have helped in an American hospital.

03 · On the road

The fine print is the only thing that matters later.

Traveling taught me that the details you skim at checkout are the only details that count when something goes wrong. The surprise is never in the headline. It is in the exclusion you did not read, written in a language that was designed to be skimmed.

04 · The industry

I know how insurance gets sold.

I have spent my career in marketing and search. I know how the category is sold: a big promise up front, the real terms buried below, fake urgency, and nobody to call when you need a human. That frustration stayed with me.

05 · Ombrela

So I built the guide I always wanted.

The idea took shape in Curaçao in 2019. Ombrela is what I wish my family and I had every time we crossed a border: clear answers, honest comparisons and a real person on the other end. I am a global citizen, and I built this for global citizens.

WHAT I PROMISED MYSELF

Plain language, in your language.

Our guides are written for the people who actually buy this cover: the son hosting his parents, the student on an F1 visa, the au pair, the new green card holder.

The real terms, up front.

Maximums, deductibles, exclusions and eligibility before price. If a plan will not work for you, we say so.

A person, not a funnel.

Tell us about your trip and a real person compares plans and emails your quote.

Nothing invented.

No fake reviews, no made up savings, no ratings we cannot show you. When we add reviews, they will come from verified customers.

BEYOND OMBRELA

Recognition and record.

Named to the Forbes 30 Under 30 list for Marketing and Advertising in 2022.
Led a national campaign for Arab American Heritage Month; the Wikipedia article on the observance names him as an advocate.
Has written for Entrepreneur on marketing and building companies.
Listed on Wikidata as a Syrian American entrepreneur and author.

HOW I WRITE, AND WHAT I AM NOT

Standards you can check.

I write and publish Ombrela’s guides under my own name, and I stand behind each one.
I am not a licensed insurance agent, and Ombrela is not an insurance company. Policies are sold by our licensed producer partner, JBD&Group Services LLC, and issued by the insurers named on each quote page. See our disclosures.
For rules and numbers we point to the source: the regulation, a government page or the insurer’s own documents. We are adding a sources section to every guide. The policy wording always wins.
Spotted something wrong? Email hello@xfirm.io and we will correct it and date the change.

FIND PIERRE ELSEWHERE

Last updated October 6, 2026.

START HERE

Tell us about the trip.
We will do the comparing.

See what we cover Read my guides