Universal Terms of Service USA

Universal Terms of Service USA


This Universal Terms of Service Agreement (this "Agreement") is entered into by and between Travelner Insurance (referred to as “Travelner Insurance Agency, LLC”, "we", "our" or "us") websites at (referred to as "the Website" and "Site") and you (referred to as "user(s)", "you", "your", or "yours"), and is made effective as of the date of your use of this website ("Site") or the date of electronic acceptance. This Agreement sets forth the general terms and conditions of your use of the Site and the products and services purchased or accessed through this Site (individually and collectively, the "Services"), and is in addition to (not in lieu of) any specific terms and conditions that apply to the particular Services.

Whether you are simply browsing or using this Site or purchase Services, your use of this Site and your electronic acceptance of this Agreement signifies that you have read, understand, acknowledge and agree to be bound by this Agreement, along with the following policies and the applicable product agreements, which are incorporated herein by reference: is an online operating entity of Travelner Insurance Agency, LLC - NPN 20874006., the website where you can research and buy various International Travel Insurance. Use of this site is governed by all the following terms and conditions, and your use of this site will constitute your acceptance of these terms and conditions. Travelner Insurance from time to time and without prior notice, change, modify, add, or remove portions of these terms and conditions. Accordingly, please return to this page regularly to review such changes. Your continued use of the website constitutes your acceptance and agreement to be bound by any and all such changes. Please do not use this site if you do not agree to accept and be bound by its terms and conditions.

The insurance services and products described on this website are only for persons in those states, countries and jurisdictions where such products and services may legally be sold. Nothing on this website shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful. 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 may apply. Please contact Travelner Insurance for questions related to eligibility.

Before purchasing any travel insurance policy, make sure you understood and gone through the eligibility criteria.

If you are a United States citizen or resident there may be certain additional restrictions or conditions may applicable for eligibility requirements.

If you are a US Citizen or permanent resident, it is your responsibility to check with concern authorities including your state health dept., tax or legal advisor to get proper advice. Travelner Insurance, its employee, agent or insurance company will not be liable for your purchase or consequences resulting from your decision to purchase any plan through us.

Most travel insurance plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverage. You may wish to compare the terms of a particular travel insurance policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

Please review the evidence of coverage and Plan Contract (Policy) for a detailed description of eligibility criteria, coverage benefits, claims process, limitations and exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the Insurance policy are binding. You agree to indemnify Travelner Insurance and its affiliates, employees, agents and representatives, and to hold them harmless from any and all claims and liabilities (including reasonable attorneys' fees) that may arise from or as a result of your use of this website and services.

Conditions Of Use

Travelner Insurance (referred to as “Travelner Insurance Agency, LLC”, "we", "our" or "us") websites at (referred to as "the Website" and "Site"). By accessing the Website, you (referred to as "user(s)", "you", "your", or "yours") hereby acknowledge your agreement to the subsequent Terms of Service without any limitations, constraints, or reservations.

All products presented on this Website are subject to conditions, restrictions, limitations and eligibility requirements. The information provided herein is not intended to constitute a comprehensive description of all terms, exclusions and conditions applicable to the products and services. For a complete understanding of the terms, exclusions, and conditions associated with the products offered, please contact Travelner Insurance.

By accessing this Website, users hereby agree to the terms of its use without limitation. Kindly review these terms attentively before making use of this Website. These terms are subject to potential alterations through updates to this publication. Users are bound by these revisions, and hence, it is advisable to periodically visit this page to assess the current terms. In the event of disagreement with these terms, users are required to refrain from using this website.

These terms of use govern your access to and use of the Website, as well as any affiliated websites, digital services, or applications displaying a link to these terms. Prior to utilizing the Website, please carefully review these terms of use.

By engaging with the Website, you acknowledge and affirm the following:

  • You possess the legal capacity within your country to enter into a binding contract.
  • You have read, comprehended, and consented to the legal obligations outlined in the ensuing Terms of Service, including any supplementary conditions present on any other website you visit.

If you use the Website on behalf of an individual or entity, you hereby declare and guarantee that you have the authority to legally bind said individual and/or entity to the terms. Your acceptance of these terms signifies your commitment both personally and on behalf of the aforementioned individual and/or entity. The scope of these terms extends to encompass not only your status as a user but also that of the represented individual and/or entity.

If you do not understand these Terms or do not agree to be bound by them or the separate Privacy Policy, you may not access or use the Website.


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 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.

Limitation Of Liability

Legal Limitations

Please be aware that not all insurance products described on this Website are universally accessible to all individuals, regardless of their location within various states, countries, or jurisdictions. Specific restrictions, conditions, and eligibility criteria may apply.

The content presented on this Website is not intended as an invitation to sell or a request for participation in any Product or Service provided by us, especially in jurisdictions where such invitations or requests would be unlawful or where we, our insurance carriers, or managing general underwriters lack the necessary qualifications.

Liability Constraints

Access to and utilization of the materials and information on this Website are offered on an "as is" and "as available" basis, without any implied or expressed warranties of any nature. We hereby disclaim all warranties, including but not limited to, implied warranties of merchantability or fitness for a particular purpose. We do not guarantee uninterrupted or error-free functionality of the materials, nor do we ensure that defects will be rectified.

Furthermore, we do not assert that this Website or the service facilitating its availability is free from viruses or other harmful components. We do not warrant or make representations concerning the accuracy, reliability, or any other aspect of the materials on this website. Any costs associated with servicing, repairs, or corrections required due to your use of this Site are your responsibility, not ours. Please note that applicable laws may render the exclusion of implied warranties inapplicable to your situation, thus exempting you from the aforementioned exclusion.


By using this Website, you expressly agree to indemnify, defend, and hold harmless the Company, its affiliated website, as well as its employees, agents, and representatives, from any and all claims, liabilities, costs (including reasonable attorney fees), and damages that may arise due to or result from the following:

Your Submissions: Any content, information, or material you submit through the Website, including but not limited to comments, reviews, or posts.

Unauthorized Use of Website Materials: Your use of any materials obtained through the Website without proper authorization or in violation of intellectual property rights.

Breach of Agreement: Any violation of the Terms and Service outlined in this agreement, including but not limited to misuse of the Website, infringement of privacy policies, or failure to comply with applicable laws.

Acts Arising from Website Usage: Any actions, claims, or liabilities that arise directly or indirectly from your use of the Website, including interactions with other users or third parties, disputes, or any other activities conducted on the platform.

By agreeing to this indemnification clause, you acknowledge your responsibility to protect and compensate the Company,, and its representatives against any potential legal claims, costs, or damages that may result from your actions or use of the Website. This commitment reinforces your obligation to use the platform responsibly, in accordance with its terms, and in a manner that respects the rights and interests of others.

No Reliance On Third-Party Content

This website may be linked to other websites that are not maintained by Travelner Insurance. Travelner Insurance is not responsible for third-party content or websites. The inclusion of any link to such websites does not imply approval of or endorsement by Travelner Insurance of the websites or the content thereof. Opinions, advice, statements, or other information made available through the Website by third parties are those of their respective authors. Those authors are solely responsible for their content. Travelner Insurance does not: (i) guarantee the accuracy, completeness, or usefulness of any third-party information accessible on or through the Website; or (ii) adopt, endorse, or accept responsibility for the accuracy or reliability of any opinion, advice, or statement made by a third party through the Website. Under no circumstances will Travelner Insurance be responsible for any loss or damage resulting from your reliance on information or other content posted through the Website transmitted to or by any third party.

Restrictions On Use Of Materials

Except as otherwise expressly permitted by Travelner Insurance in writing, no part of the Website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for your own personal use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website, including the text, images, audio, and video, for public or commercial purposes. Travelner Insurance neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties.

Website Limitations

Unless otherwise expressly set forth herein, Travelner Insurance makes no representation that materials on this Website are appropriate or available for use in any location. Those who choose to access this Website do so on their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein the information contained on this Website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Travelner Insurance. No security, insurance product or other product or service is solicited, offered, or will be sold by Travelner Insurance or, if sold by Travelner Insurance, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. The insurance services and products described on this Website are only for persons in those states, countries, and jurisdictions where such products and services may legally be sold.

Ownership Of Information

Any information, other than personal data or information, you transmit to Travelner Insurance or via this Website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Travelner Insurance. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Travelner Insurance is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Travelner Insurance via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Please also refer to the separate Privacy Policy.

Copyright and Trademark Notices

"Travelner®" is a registered trademark or trademark of Travelner America, Inc. and its subsidiaries in the United States and various other countries. All rights are reserved. Travelner America, Inc. holds the copyright for all content presented on this Website. Visitors to this Website may only view and print materials for informational purposes. The use of copyrighted material from this Website is strictly limited to non-commercial purposes and must include the provided copyright notice. Other trademarks and service marks showcased on this Website belong to their respective owners.

Company’s Licenses

We are a licensed agency and sell travel insurance by contractual agreements with insurance companies. We are licensed in states as required by each underwriter that we are appointed by. In the State of California, our agency does business as Travelner Insurance Agency LLC. Our current licenses are listed below:

Alabama Business Entity 3002860176
Alaska Business Entity 3002870329
Arizona Business Entity 3002817068
Arkansas Business Entity 3002817068
California Business Entity 6011633
Colorado Business Entity 820663
Connecticut Business Entity 3002832565
Washington, D.C Business Entity 3002865511
Delaware Business Entity 3002860178
Florida License pending  
Hawaii Business Entity 3002860194
Idaho Business Entity 3002860819
Illinois Business Entity 3002821584
Indiana Business Entity 3958695
Iowa Business Entity 3002860174
Kansas Business Entity 3002860166
Kentucky Business Entity 1310937
Louisiana Business Entity 1102389
Maine Business Entity AGN471492
Maryland Business Entity 3002832550
Massachusetts License pending  
Michigan Business Entity 20874006
Minnesota Business Entity 40895105
Mississippi License pending  
Missouri Business Entity 3002825836
Montana Business Entity 3002860167
Nebraska Business Entity 3002860193
Nevada Business Entity 3958121
New Hampshire Business Entity 3002860195
New Jersey Business Entity 3002817087
New Mexico License pending  
New York License pending  
North Carolina Business Entity 3002821557
North Dakota Business Entity 3002860169
Ohio Business Entity 1547736
Oklahoma Business Entity 3002832575
Oregon Business Entity 3002848018
Pennsylvania Business Entity 1160596
Rhode Island Business Entity 3002860170
South Carolina Business Entity 3002860196
South Dakota Business Entity 10031485
Tennessee Business Entity 3002821556
Texas Business Entity 3096219
Utah Business Entity 1009403
Vermont Business Entity 3002860175
Virginia Business Entity 158478
Washington Business Entity 1233659
West Virginia Business Entity 3002862568
Wisconsin Business Entity 3002832576
Wyoming Business Entity 577477

Discounts / Promo Code Terms

The promo code offer (“Offer”) is on our transaction consulting fees only. Discount varies based on the transaction consulting fees charged for travel reservation, and the value of the discount will be up to the amount of the consulting fees charged for that transaction or the promo code's value per transaction whichever is less. You must use the promo code at checkout to redeem this Offer. This Offer may be revised or discontinued without notice.

  • Travelner Insurance may issue certain promo codes which are generally valid for online travel reservations and bookings, though some specific Travelner Insurance promo codes may only be used over the phone through our Customer Support center.
  • We invite you to sign up for our newsletter to receive promo codes by email.
  • Travelner Insurance promo codes are non-transferable, can not be sold or bartered, and hold no cash value.
  • To receive the value of the discount, a valid promo code must be entered in the promo code link on the payment page. If the code is not entered the discount cannot be redeemed and has no value. Due to technical problems, if the code is not accepted or a coupon link is not present, you have the right to not purchase the product or service, but in no circumstances will the credit be applied after the purchase is made.
  • Travelner Insurance promo codes offers may be revised or withdrawn at any time without notice, even if other websites are displaying the same offers.
  • For all technical errors, there is no recourse except you have the right to not make the purchase.
  • If the offer is withdrawn, the promo code becomes invalid and the Site and system will not accept the promo code when entered. This is final and you have the right at that point to continue with the original price or not continue with your purchase.
  • The final price displayed (with or without promo code) will be the amount billed/charged and there will be no credits/discounts applied after purchase for absolutely any reason.
  • Travelner Insurance promo codes may not be combined with another offer.

We reserve the right to decline any transaction that may have had an error in promo code value even after the booking is created and the booking receipt is issued.

Purchases and Payment

The Company accepts a variety of payment methods as reflected on the Website. You agree that your Payment Method may be charged by one of our affiliated entities. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (1) your name as it appears on the card; (2) the credit or debit card type, (3) the card’s expiration date; (4) any activation numbers or codes needed to charge your card; and (5) the billing address or zip code or postal codes associated with your card. You authorize the Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the terms, at our convenience, including as early as at the time of the purchase request is submitted.

Communication with Users

We retain the authority to engage in communication with you concerning matters pertaining to this Website, as well as your utilization of this platform and any products or services procured by you through the Website.

Such communications may encompass, but are not confined to:

  1. Transaction Updates: We may send you notifications regarding the status of your transactions, including purchase confirmations, policy updates, and claims processing.
  2. Important Announcements: In the event of significant updates, modifications, or enhancements to our services, policies, or terms, we may inform you to ensure you are well-informed.
  3. Service-Related Information: We might provide you with information concerning additional services, offers, or features that could complement your travel insurance experience.
  4. User Support: Should you require assistance or encounter issues while navigating our website or availing of our services, we may reach out to offer the necessary support.
  5. Feedback and Surveys: Your insights are invaluable to us. We may contact you to request feedback, reviews, or participation in surveys aimed at enhancing our offerings.
  6. Legal Notifications: We may communicate with you regarding legal notices, changes in policies, terms of service, or compliance with regulatory requirements.

By accessing the website and engaging in transactions herein, you acknowledge and consent to our right to establish communication with you through various channels, such as email, notifications, or messages on this platform. Rest assured, any communication we initiate will be geared towards enhancing your experience and ensuring you remain well-informed about our services. Should you wish to modify your communication preferences or have any inquiries, please do not hesitate to contact our Customer Support.

Prohibited Conduct

Without limiting any other provision of these Terms, you are prohibited from doing the following in connection with the Website: (a) providing false, misleading, or inaccurate information; (b) impersonating, or misrepresenting affiliation or association with, any person or entity; (c) harvesting or collecting information about other users; (d) using or attempting to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to harvest or otherwise collect information from the Website; (e) accessing content or data not intended for you; (f) attempting to probe, scan, or test the vulnerability of the Website, or any associated system or network, or breaching security or authentication measures without proper authorization; (g) interfering with the use of the Website by any other user, host, or network, including by submitting malware or exploiting vulnerabilities; and (h) forging, modifying, or falsifying any network packet or protocol header or metadata in connection with or transmission to the Website.


Without limiting any other provision of these Terms, Travelner Insurance reserves the right to, in Travelner Insurance’ sole discretion and without notice or liability, deny use of the Website to any person for any reason or no reason, including for any breach or suspected breach of these Terms or any applicable law(s). These Terms shall automatically terminate, without notice, if you breach these Terms. Any termination of these Terms shall automatically terminate all rights and licenses granted to you under these Terms, including all rights to use the Website. Upon termination, Travelner Insurance may, but has no obligation to, delete information you provided or relating to you. Upon termination, you shall cease all use of the Website. Sections regarding limitations of liability, indemnity, intellectual property, dispute resolution, prohibited conduct, notices, and miscellaneous terms shall expressly survive any termination of these Terms.


Travelner Insurance may give any required notice by email sent to the most recent email address, if any, provided by the intended recipient to Travelner Insurance. You agree that any notice received from Travelner Insurance electronically satisfies any legal requirement that such notice be in writing. You bear the sole responsibility of ensuring that your email address on file with Travelner Insurance is accurate and current, and notice to you shall be deemed effective upon the sending by Travelner Insurance of an email to that address. You shall give any notice to Travelner Insurance by submitting said notice to us at [email protected].

Services Disclaimers

To the fullest extent permitted by law, unless expressly stated herein, Travelner Insurance will not be liable for any such Travel Services that the Travel Providers make available to you; for acts, errors, omissions, representations, warranties, or commitments regarding the products or services offered by Service Providers; or any personal injuries, death, property damage or other damages or expenses resulting from the above. We disclaim any liability for ensuring that said products or services are congruent with the client's specific objectives. Such responsibility remains solely with the client. To the utmost extent allowed by applicable law, we disclaims all representations and warranties, including, but not limited to, warranties of merchantability and fitness for a particular purpose.

Travelner Insurance does not warrant or represent that its website will operate without errors or interruptions, that any defects will be promptly rectified, or that the Website and its servers will be free of viruses or other harmful components. This includes but is not limited to, any implied warranties and conditions of satisfactory quality, merchantability, fitness for a particular purpose, title, or non-infringement. Travelner Insurance and our partners disclaim all such warranties and conditions. We also do not warrant or represent the suitability, availability, accuracy, reliability, or timeliness of any content, including software, services, information, text, and related graphics, for any purpose.

By utilizing the Travelner Insurance Website and Services, you accept and acknowledge that you do so at your own risk. You also understand and agree that we shall not be held responsible or liable for any misuse or unauthorized use of its website or services, nor shall we be liable for any consequences arising from such misuse or unauthorized use. This includes, but is not limited to, issues related to the travel service, the use of our service, any delays or inability to use our Service, or your use of links from our Service.


These Terms constitute the entire agreement between Travelner Insurance and you concerning your use of the Website. These Terms may only be modified by the unilateral amendment of these Terms by Travelner Insurance along with the posting by Travelner Insurance of that amended version on the Website. A waiver by either party of any term or condition of these Terms, or any breach, in any one instance, will not waive that term or condition or any later breach. All of your rights and obligations under these Terms will not be assignable or transferable by you without the prior written consent of Travelner Insurance. These Terms will be binding upon and will inure to the benefit of the parties, their successors, and permitted assigns. You and Travelner Insurance are independent contractors, and no agency, partnership, joint venture, or employee-employer relationship is intended or created by these Terms. There are no third-party beneficiaries to these Terms, with the following exceptions: indemnitees and Travelner Insurance’ licensors to the extent expressly stated in these Terms. You acknowledge and agree that any actual or threatened breach of these Terms or infringement of proprietary or other third-party rights by you would cause irreparable injury to Travelner Insurance and Travelner Insurance’ licensors, and would therefore entitle Travelner Insurance or Travelner Insurance’ licensors to injunctive relief. The headings in these Terms are for convenience only and shall have no legal or contractual effect. If any provision of these Terms or application thereof is held invalid, the invalidity shall not affect other provisions of the Terms that can be given effect without the invalid provisions and to this end the provisions of these Terms are declared to be severable.

Contact Us

Travelner Insurance Agency, LLC - NPN 20874006.

Phone: +1 949 864 6017

Email: [email protected]

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by destination, and sub-limits may apply.