Terms of Service

Introduction & Acceptance of Terms

Welcome to our Terms of Service ("Terms"), which govern your access to and use of our website, platforms, applications, products, and services (collectively, “Services”). These Terms constitute a legally binding agreement between you ("User," "you," or "your") and our company, its subsidiaries, affiliates, partners, officers, directors, employees, agents, licensors, successors, and assigns (collectively referred to as "we," "us," or "our"). Please read these Terms carefully before using our Services.

By accessing, browsing, registering for an account, purchasing policies, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, do not access or use our Services. These Terms apply to all Users, regardless of location, residence, or nationality.

We are committed to providing exceptional service, clear communication, and comprehensive coverage options. As part of our ongoing effort to maintain fairness, consistency, and compliance with applicable regulations, these Terms are designed to clarify the relationship, outline both parties’ responsibilities, and ensure a positive and secure experience for all Users.

Please note that these Terms contain disclaimers of warranties, limitations of liability, indemnities, binding arbitration provisions, and waivers of certain rights, including the right to a trial by jury and participation in class actions, as permitted by the laws of the District of New York. By agreeing to these Terms, you expressly acknowledge and agree to these provisions.

Changes & Modifications to Terms

We reserve the right to update, amend, revise, or otherwise modify these Terms at any time and at our sole discretion. Any such modifications will become effective immediately upon posting the revised Terms on our website or upon providing notice to you via email or other direct communication methods, as deemed appropriate and in compliance with applicable regulations.

Your continued use of the Services following the posting of changes or receiving notice of changes constitutes acceptance of those modifications. If you do not agree to any revisions to the Terms, you must discontinue your use of the Services immediately. We encourage you to review these Terms periodically to remain informed of any updates or changes.

Scope of Services & Policy Types

Our Services include the offer and sale of various travel protection policies and related features. We currently provide three primary types of coverage:

• Single-Trip Coverage: Designed for one specific journey, covering you from your departure until your return, as defined in the policy. This coverage applies only to the named trip and ceases once that trip concludes.
• Annual Coverage: Suitable for frequent travelers, this coverage protects you for multiple trips within a defined annual period (e.g., 12 months from purchase). Annual plans allow unlimited qualifying trips, subject to the maximum trip duration and other restrictions set forth in the policy. Annual coverage often surpasses basic health insurance in scope, addressing various travel-related perils such as cancellations, interruptions, baggage issues, and certain health emergencies abroad.
• Lifetime Coverage: Our most comprehensive plan, Lifetime Coverage truly means coverage for the entire lifetime of the named insured, subject only to policy conditions and exclusions. Once purchased, Lifetime Coverage remains in force indefinitely, unless the policy is voided due to, fraudulent claims, or other severe policy violations. Lifetime Coverage reflects our commitment to long-term protection, ensuring peace of mind for all future journeys, regardless of changes in personal circumstances, age, or evolving health conditions, as permitted by applicable law.

Each policy type is subject to its own eligibility criteria, premium structures, coverage limits, exclusions, and claim procedures. Coverage details are outlined in the specific policy documents you receive upon purchase. Unless explicitly stated, policy terms are not interchangeable between policy types. For example, benefits and limits provided under Lifetime Coverage may differ significantly from those under Single-Trip or Annual plans.

Our Services may also include informative resources, claim submission tools, customer support interactions, and account management functionalities. We strive to maintain clarity and transparency in presenting the specifics of each available policy. However, all details provided within our Services are subject to these Terms, as well as the conditions, endorsements, riders, and restrictions outlined in the actual policy documents.

We reserve the right to modify available policies, introduce new plans, or discontinue certain coverage options as market conditions, regulatory requirements, or business decisions evolve. Notice of significant changes may be posted on our website or sent directly to you. Ultimately, you should review all plan details before making a purchase to ensure the chosen policy aligns with your needs.

User Eligibility & Representations

To access or use our Services and purchase any type of coverage (Single-Trip, Annual, or Lifetime), you must be of the age of majority in your jurisdiction and possess the legal capacity to enter into binding agreements. By using our Services, you represent and warrant the accuracy of all personal information and agree to promptly update any information that becomes outdated or inaccurate.

We reserve the right to refuse or suspend access if we suspect false information, prohibited conduct, or violations of these Terms or applicable law. Eligibility criteria may vary depending on the policy type. For instance:

• Some Single-Trip policies may require the trip to be completed within a certain timeframe or prohibit coverage for specific destinations.
• Annual policies may limit trip duration per journey, even though you have year-round protection for multiple trips.
• Lifetime Coverage may require initial approval based on health or travel patterns, after which ongoing eligibility is retained indefinitely unless terminated under the policy’s conditions.

Any attempt to circumvent eligibility requirements, present false credentials, or misrepresent your status to access restricted plans may result in immediate termination of your account, denial of claims, or voiding of coverage.

Policy Purchases & Premium Calculations

When you choose a policy—be it Single-Trip, Annual, or Lifetime—you acknowledge that premiums, coverage terms, and exclusions are determined by various factors, including your age, destination, intended travel activities, and add-on options like emergency return coverage.

Pricing is typically displayed in a given currency and may be subject to exchange rates, transaction fees, or external financial policies. While we strive for transparent pricing, we are not responsible for variations caused by banking fees or currency conversions.

Once you have selected and paid for a policy, the terms applicable at the time of purchase remain in effect for the duration specified (e.g., the single trip’s dates, the annual term, or your lifetime for Lifetime Coverage). Any subsequent changes to our product offerings or pricing do not retroactively alter your existing policy’s terms and costs.

Lifetime Coverage: Additional Provisions

Lifetime Coverage stands apart by offering enduring protection for the insured’s entire life, ensuring continuity of coverage regardless of changes in age, personal circumstances, or travel patterns. This extraordinary permanence is subject to the conditions outlined in these Terms and the specific Lifetime policy documents.

Key attributes of Lifetime Coverage include:

• Uninterrupted Protection: Once purchased and fully paid for, the policy remains valid for the insured’s natural lifetime, barring any severe violations such as fraudulent claims.
• No Routine Renewal Required: Unlike Annual policies, Lifetime Coverage does not require periodic renewal. Your coverage continues indefinitely, providing peace of mind for all future journeys.
• Evolving Needs Considered: While the policy terms remain governed by the initial agreement, we reserve the right to offer enhancements, loyalty benefits, or special rider endorsements over time. Acceptance of such enhancements is optional, and no detrimental changes will be made to reduce coverage retroactively.
• Voidance Conditions: Lifetime Coverage may be voided only under extraordinary circumstances, such as proven policyholder fraud, non-compliance with mandatory ongoing fee schedules (if stated in the policy), or other severe breaches of policy conditions. Voidance due to your acts or omissions forfeits any right to future coverage or reimbursement.

Lifetime Coverage symbolizes our commitment to long-term partnership and traveler well-being. By choosing this plan, you acknowledge and accept these unique attributes, ensuring that your future travels are protected by a stable, enduring source of coverage that surpasses typical limited-duration policies.

Claim Submission & Processing

In the event of an incident triggering coverage, you must submit a claim per the designated process. The nature of coverage—Single-Trip, Annual, or Lifetime—does not alter the fundamental need for honest, timely, and well-documented claims. We process claims based on the terms of your chosen policy, applicable exclusions, and provided evidence.

Fraudulent claims or deliberate misrepresentations may result in denial, coverage termination, and legal actions. Lifetime Coverage holders should note that even their enduring protection can be voided in such cases, emphasizing the importance of good faith and full disclosure.

Refunds, Cancellations & Free-Look Period

Some policies include a free-look period. For Single-Trip or Annual policies, this might allow cancellation before the trip’s start or within a defined timeframe. For Lifetime Coverage, a free-look period ensures you can review the terms and cancel within a short window if you find the conditions unsatisfactory, provided no claim activity has occurred.

Refunds, if applicable, are processed according to policy-specific rules and may be subject to administrative fees. Attempting to exploit free-look periods repeatedly or for improper purposes may result in refusal of future refunds or policy access.

Emergency Return Option

Certain policies may offer an Emergency Return Option as an add-on, covering return airfare in the event of an unforeseen emergency at home. Eligibility and coverage details differ by policy type. For instance, while Single-Trip policies might limit this coverage to the single journey in question, Annual or Lifetime Coverage can extend this benefit across multiple incidents or an entire lifetime of travel.

The definition of "emergency" is detailed in the applicable policy documents. This generally includes severe family illness, death of a family member, significant property damage, or mandatory legal obligations. The scope and conditions of Emergency Return Option coverage vary based on the chosen plan, and you should review the relevant policy terms to understand the specific limits and triggers.

No Charge for Quotes

We do not charge for requesting a quote. Viewing policy details, obtaining estimates, and exploring different coverage options is free. Charges apply only when you decide to purchase a policy—whether Single-Trip, Annual, or Lifetime—and proceed to payment.

Any confusion arising from the quote or checkout process should be clarified before finalizing the purchase. We continuously update our platform’s language and user flow to ensure that Users understand that no fees apply to obtaining a quote and that payment corresponds to confirming coverage.

Intellectual Property, Privacy & Other Sections

The additional sections related to Intellectual Property, Privacy, Acceptable Use, Third-Party Interactions, Disclaimers, Arbitration, Governing Law, and Force Majeure remain unchanged as previously stated. They apply equally to all policy types and any usage of our Services.

By integrating the details above regarding Single-Trip, Annual, and Lifetime Coverages, we reinforce clarity, transparency, and consistency throughout the entire set of Terms. These Terms, taken as a whole, guide your relationship with us, ensuring mutual respect, compliance with regulatory frameworks, and the dependable long-term availability of our travel protection solutions.

Final Remarks

By using our Services and purchasing any coverage (Single-Trip, Annual, or Lifetime), you affirm that you have had the opportunity to review and understand these Terms fully. You agree that these Terms, along with referenced policies, reflect the entire agreement between you and us, superseding any prior agreements or understandings.

Your continued trust and selection of our policies, including the truly enduring Lifetime Coverage, is appreciated. We remain committed to providing reliable protection, responsive support, and a framework of rights and obligations that uphold fairness, security, and traveler-centric values.