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Privacy

PERSONAL INFORMATION PROVIDED FOR QUOTES

By requesting a quote for travel insurance and/or providing information to Cover-More about your personal details, health and medical conditions and those of your spouse or dependents, you are granting Cover-More and its affiliated companies permission to use the information you supply in connection with the supply of an insurance product (subject to the Cover-More Privacy Policy). Cover-More’s Privacy Policy is available for review here: www.covermore.com/privacy-policy.

RISKS OF SUPPLYING PERSONAL INFORMATION

If you supply Cover-More with any personal information via the Website using an email or an online notification facility (for example our quote engine) Cover-More takes reasonable measures to ensure that the information is submitted and stored securely.

NO RESPONSIBILITY FOR BREACHES OF CONFIDENTIALITY/PRIVACY

Cover-More takes reasonable steps to secure certain areas of its Website (including password protected webpages) but it cannot guarantee absolute confidentiality of personal information supplied by a user through the Website. Cover-More takes no legal responsibility for unauthorized access to a user’s information which may be gained by third parties via the Website. If you are concerned about the security of your personal information, please contact Cover-More to discuss alternative methods for providing the information.

Submissions to Us

Other than your personally identifiable information, any information, ideas, questions, comments, proposals or materials that you submit to us, such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos (“Submissions”), via electronic transmission or otherwise, will be considered non-confidential and non-proprietary. By submitting any Submissions, you grant to us a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at our sole discretion.

Conditions of Use/Access

NO UNLAWFUL OR PROHIBITED USE

Users warrant to Cover-More that they will not use the Website for any purpose that is unlawful or prohibited by law or these Terms and notice issued in connection herewith.

Users may not use the Website in any manner which could damage, disable, overburden, or impair it or interfere with any other user's use and enjoyment of the Website.

Users may not obtain access or attempt to obtain access to any Content through any means not intentionally made available or provided for through the Website (for example, reverse engineering, hacking, deliberately and maliciously vandalising the Website are prohibited).

LINKS TO OTHER SITES

The Website may contain links to other websites or webpages (“Linked Sites”). Cover-More is providing access to Linked Sites for your convenience only, and the inclusion of any Linked Site on the Website does not imply endorsement by Cover-More of the site or any association with its operators. Cover-More is not responsible for and makes no representations regarding the content, privacy policies and practices regarding any Linked Sites. You should read the policies of the Linked Sites to understand their policies.

EMAILS SENT VIA THE WEBSITE

If a user sends an email via the Website, the email will be deemed to be received by Cover-More when the email is received by Cover-More in its electronic mailbox and able to be opened in readable form. Proof of sending an email will be established by production of an electronic or paper record showing the date and time that the email message entered the information system of Cover-More. If a message is urgent, always call Cover-More to check whether your email has been received.

INTEGRITY OF THE WEBSITE

Cover-More takes reasonable steps to maintain the integrity of the Content on the Website, but cannot guarantee or assure users as to the currency, reliability or accuracy of Content. It is possible that the Website and the Content could include errors, inaccuracies, or outdated information. Due to the nature of the “world wide web”, unauthorized use, additions, deletions, and alterations could be made to the Website and the Content by third parties (due to events beyond the control of Cover-More). If you discover an error or have reason to believe that unauthorized access or “hacking” of the Website has occurred, please inform us so Cover-More can take steps to correct errors or respond to the unauthorized content.

CHANGES TO THE WEBSITE/CONTINUED ACCESSIBILITY

Cover-More may make changes to the Website and the Content from time to time and makes no assurances or guarantees as to the accessibility of the Website at any time (including webpages and Content on the Website). Cover-More has no obligation to provide access to the Website, the Content or particular webpages. It may “take down” or “remove” any Content, webpages or the entire Website at its absolute discretion. Cover-More makes no guarantee or assurance about the continued accessibility of the Website or that access will be free of interruption.

SUITABILITY FOR PURPOSE

Cover-More make no representations about the suitability, reliability, availability, timeliness, and accuracy of the Website and the Content contained on the Website for any purpose including in relation to Cover-More’s financial products (except where express representations are made to the contrary).

PROTECTING YOUR COMPUTER SYSTEMS

Users must take their own precautions to ensure that their hardware and software is free of viruses and that Content downloaded from this Website is free from viruses and other unwanted applications (such as ‘worms’ or ‘trojan horses’) that may interfere with or damage the operation of their computer systems.

COPYRIGHT, TRADEMARKS & OTHER INTELLECTUAL PROPERTY

The Content and the Website are protected by copyright and may be viewed and used for personal or educational purposes only. Except as provided by applicable laws or where such use is limited to personal or educational use no part of this Website or the Content may be copied, reproduced, adapted or transmitted for any other purpose in any form by any process without the written permission of Cover-More (including but not limited to business or commercial uses, market research, comparative, ‘shadow shopping’ or pricing studies). All trademarks, domain names, service marks, trade names, logos and icons are owned by or licensed to Cover-More and/or its related companies. Nothing contained in this Website shall be construed as granting, by implication, estoppel, or otherwise any licence or right to use any trademark, domain names, service marks, trade names, logos and icons displayed on this Website without written permission of Cover-More or such third party which may own the trademarks, domain names, service marks, trade names, logos and icons displayed on this Website.

LIABILITY AND DISCLAIMERS

The Website and all such Content is provided "as is" without warranty or condition of any kind.

To the maximum extent permitted by law, Cover-More disclaims:

  • All warranties and conditions with regard to Website and the Content, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement, accessibility, reliability, currency and accuracy.
  • Any and all responsibility for loss, damage, liability, cost or expenses incurred by a user arising out of or in any way connected with the use or performance of the Website or as a result of any error, omission or misrepresentation made on or in relation to this Website (including the Content). If a user is dissatisfied with the Website, the Content or any of the Content is unreliable, no longer current or inaccurate, the sole and exclusive remedy is for the user to discontinue using the Website.
  • Any and all responsibility for loss, damage, liability, cost or expenses incurred by a user if any interference with, or damage to, their computer systems occurs when using the Website or arising from use of the Website.

Any and all responsibility for the contents of any Linked Site, including any link contained in a Linked Site, or any changes or updates to a Linked Site. Cover-More is not responsible for webcasting or any other form of transmission received from any Linked Site.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, we expressly disclaim, and you agree not to hold us responsible for, any losses, damages, injuries, claims or other liability of any kind, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages, including without limitation damages for loss of profits, loss of data, business interruption or any other commercial damages or losses, arising out of or in any way connected with your accessing or using or inability to access or use all or any part of any of our websites or any of the content, or your reliance on such website and/or content, or any failure of performance, error, interruption, defect, delay in transmission, computer viruses or other harmful components or content, or line or system failure associated with such website and/or content, regardless of our negligence and/or knowledge thereof. The law in certain states may not allow the disclaimer or exclusion of any or all of such liability, and as such, the above limitations may not apply to you; however, in any event, the above parties’ liability to you for any and all losses, damages, injuries and claims of any kind, whether in contract, tort, strict liability or otherwise, will not exceed fifty dollars ($50.00).

COMMUNICATION WITH USERS

Cover-More reserves the right to communicate with you regarding this Website and your use of this site or any product or service purchased by you on this Website.

MODIFICATIONS OF THESE TERMS OF USE

Cover-More reserves the right to change the terms of use under which the Website is offered at any time in its absolute discretion and is not obliged to send a revised copy of the terms of each user, nor is Cover-More obliged to notify the users of such change. Users understand that it is their own responsibility to review the terms of use for the Website and apprise themselves of any changes made to such terms from time to time.

SEVERABILITY

These Terms of Use constitute the entire agreement between Cover-More and you with respect to your use of the Website. If for any reason a court of competent jurisdiction finds any provision of these Terms or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect. Any cause of action you may have with respect to your use of the Site must be commenced within the period provided by any applicable statute of limitations.

APPLICABLE LAW

These Terms of Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New York, without giving effect to New York’s conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

Cover-More may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

PRODUCTS

The product descriptions provided here are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. If you have questions about coverage available under our plans, please review the policy or contact us at 844-411-2487 or [email protected]. The purchase of this product is not required in order to purchase any other travel product or service.

The products being offered provide insurance coverage that only applies during the covered trip. You may have insurance coverage from other sources that provides similar benefits but may be subject to different restrictions depending upon the coverage. You may wish to compare the terms of the travel policy offered through covermore.com with any existing life, health, home, and automobile insurance policies you may have. If you have questions about your coverage under your existing insurance policies, contact your insurer or insurance agent or broker.

Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions and eligibility requirements apply. In addition, if you are a United States or foreign citizen physically located and/or living in the United States while viewing this website, there may be certain additional restrictions, conditions and eligibility requirements that apply.

Cover-More is a marketing name used by Cover-More Inc., an agent of Berkshire Hathaway Specialty Insurance Company.

Berkshire Hathaway Travel Protection(BHTP) is a marketing name used by Berkshire Hathaway Specialty Concierge LLC, 1145 Clark Street, Stevens Point, WI 54481 to describe the travel insurance products underwritten by the companies listed below. Any inquiry regarding claims may be directed to [email protected], P.O. Box 31003, Charlotte, NC 28231-1003; 844-487-1745. Inquiries regarding new, existing, or denied claims and any other claims questions may also be directed to this address.

All products listed on this website are underwritten by:

National Liability & Fire Insurance Company
1314 Douglas Street, Suite 1400
Omaha, NE 68102-1944
State of Domicile: Connecticut
California Certificate of Authority Number: 6749
NAIC# 20052

National Indemnity Company
1314 Douglas Street, Suite 1400
Omaha, NE 68102-1944
P: 402-916-3000
State of Domicile: Nebraska
California Certificate of Authority Number: 2881
NAIC# 20087

Central States Indemnity Company of Omaha
P.O. Box 34888
Omaha, NE 68134
P: 402-997-8000
State of Domicile: Nebraska
NAIC# 34274

Berkshire Hathaway Specialty Insurance Company (formerly known as Stonewall Insurance Company)
1314 Douglas Street, Suite 1400
Omaha, NE 68102-1944
P: 402-916-3000
State of Domicile: Nebraska
California Certificate of Authority Number: 3148-4
NAIC# 22276

This website is maintained by Cover-More Inc., 77 Water Street, 8th Floor, Suite 829, New York, NY, 10005

Terms Last Updated 14 July, 2016.