Legal Terms and Policies

Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE.

Travelner Insurance Agency, LLC ("Travelner", “Travelner Insurance”, "we", or "us") provides access to and use of this website ("Website") subject to your acceptance of the terms and conditions outlined below ("Terms"). By accessing, using, or obtaining any information, services, products, or content ("Content") through this Website, you acknowledge that you have read, understood, and agree to these Terms. If you do not accept or understand these Terms, please discontinue your use of this Website.

1. LICENSING

Travelner Insurance Agency, LLC is licensed as an insurance agency in various U.S. states, under NPN 20874006. This Website is not intended as a solicitation for insurance in any state or jurisdiction where Travelner is not licensed. It is your responsibility to confirm that the services offered are appropriate and legal in your jurisdiction.

2. OWNERSHIP

The Content on this Website is the intellectual property of Travelner and its content providers and is protected under U.S. and international copyright laws. You may not modify, copy, distribute, transmit, display, reproduce, publish, or create derivative works from any of the Content on this Website without the prior written consent of Travelner.

3. USE OF THE WEBSITE

By using this Website, you affirm that you are at least 18 years old and capable of entering into a binding contract. You may not use the Website for any unlawful or fraudulent purposes, nor may you post or transmit any material that is offensive, illegal, or in violation of any laws. You also agree not to use any automated means, such as robots or data-mining tools, to access the Website. Travelner reserves the right to terminate or restrict your access to the Website without notice if we determine that you have violated these Terms.

4. PRIVACY

Your use of this Website is subject to our Privacy Policy. By accessing this Website, you acknowledge and agree to the terms of our Privacy Policy.

5. THIRD-PARTY SERVICES AND LINKS

This Website may contain links to third-party websites or services. Travelner is not responsible for the content, accuracy, or availability of information on any linked site. The inclusion of links does not imply endorsement of the linked site by Travelner, and access to these third-party sites is at your own risk.

Certain services on the Website may also be provided by third parties. These "Co-Branded Areas" may display Travelner’s logo but are operated and controlled by third parties. In such cases, the terms and conditions of those third parties will also apply, in addition to these Terms.

6. PRODUCTS AND QUOTES

Any information provided on this Website, including quotes for insurance products, is for informational purposes only and does not constitute an offer of insurance. Submission of an application through this Website does not bind coverage. All coverage is subject to underwriting approval and is governed by the terms and conditions of the applicable insurance policy.

7. OUR SERVICES

Role of Travelner:

It is important to understand that Travelner Insurance Agency acts as an insurance agent, not as an insurance provider. This means:

We connect you with suitable insurance products offered by various Insurance Providers.
We do not underwrite or issue insurance policies ourselves. The Insurance Provider is solely responsible for all obligations under the Insurance Policy.
We are not authorized to bind coverage on behalf of any Insurance Provider.

Policy Terms & Conditions:

The specific terms, conditions, limitations, exclusions, and benefits of your travel insurance coverage are detailed in the Insurance Policy documents provided to you by the Insurance Provider. It is essential that you carefully review and understand all policy documents before purchasing coverage.

8. PAYMENT

Payment & Fees:

We accept the following payment methods for the purchase of insurance policies:

Major Credit Cards (Visa, Mastercard, American Express)
Debit Cards with a Visa or Mastercard logo

Any fees associated with your purchase, such as processing fees or administrative/service/broker charges, will be clearly disclosed prior to your payment being processed.

We use USD (US dollar) as the list price for all our services.

Refund Policy:

Products and services available for refunds are described in our Refund Policy.

9. DISCLAIMER

To the fullest extent permitted by applicable law, the content on this website is presented in its current state and without any warranties, whether expressly stated or implied. Travelner Insurance, along with its subsidiaries and associated entities, disclaims all implied or explicit warranties, including but not limited to warranties of merchantability and suitability for a particular intent. We do not guarantee uninterrupted or flawlessly functioning features within the content, and we do not guarantee that any flaws will be rectified. Furthermore, we cannot assure you that this website or its hosting server is devoid of viruses or other detrimental elements.

The details and depictions contained in this website do not necessarily encompass exhaustive explanations of all pertinent terms, exclusions, and conditions. They are presented purely for general informational purposes. Companies and individuals are advised against relying on the information furnished on the website as a comprehensive measure for risk prevention or mitigation. Furthermore, it should not be regarded as a definitive elucidation of coverage or benefits provided by an insurance policy.

We do not guarantee or provide any assurances concerning the utilization or outcomes arising from the usage of the content on this website, whether it pertains to its correctness, precision, dependability, or other aspects. You (rather than Travelner Insurance) will bear the whole cost of any necessary maintenance, repairs, or adjustments. The information and explanations within are not necessarily comprehensive depictions of all pertinent provisions, exceptions, and circumstances. They are offered exclusively for overall informational objectives. For precise details, kindly consult the actual policy or the pertinent agreement for the product or service.

For individuals who are Travelner Insurance clients, it's important to note that alternate agreements with Travelner Insurance might apply. These terms pertain exclusively to website usage and do not affect or modify any other contractual arrangements or agreements existing between you and Travelner Insurance. For further information on any applicable Travelner Insurance service or product, please refer to your policy documents.

10. LIMITATION OF LIABILITY

Travelner will not be liable for any damages of any kind arising from your use of this Website, including but not limited to direct, indirect, incidental, punitive, or consequential damages. Travelner also disclaims any responsibility for damages to your computer system or data loss resulting from the use of this Website.

11. FORWARD-LOOKING STATEMENTS

This Website may contain forward-looking statements that reflect Travelner’s current views on future events and financial performance. These statements are subject to risks and uncertainties, and actual results may differ materially. Travelner assumes no obligation to update any forward-looking statements.

12. MISCELLANEOUS

These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law principles. Any disputes arising out of the use of this Website will be resolved exclusively in the state or federal courts located in Chicago, Illinois. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

13. REVISIONS TO TERMS

Travelner reserves the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting on this Website. Continued use of the Website following any changes to the Terms constitutes your acceptance of those changes.