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International medical cover for expats and their families.

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Medical and trip cancellation coverage for international travel.

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Life insurance for globally mobile individuals living or working abroad.

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Comprehensive international medical coverage for groups.

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Medical, accident, and liability protection for global travel.

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Financial protection for employees worldwide.

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home/Legal Information/Cookie Policy

Cookie Policy

Last updated: June 17, 2025

This Cookie Policy explains how International Citizens Group, Inc. (“we,” “us,” or “our”) and our partners use cookies and similar tracking technologies when you visit our websites. It outlines these technologies, why we use them, and how you can manage or disable them according to your preferences and applicable laws.

A cookie is a small text file placed on your computer or device when you visit a website. Website owners widely use cookies to make websites work more efficiently and provide reporting information. Cookies serve various functions, such as enabling the website to remember your actions and preferences (like login details, language, or font size) over time. This helps improve your browsing experience and allows certain features and services to function correctly. Cookies may be set by the website you are visiting (known as “first-party cookies”) or by third parties, such as analytics or advertising partners (known as “third-party cookies”).

Why We Use Cookies

We use cookies and similar tracking technologies for several purposes, including:

  • Essential functionality: To ensure the proper functioning of our websites, such as page navigation, access to secure areas, and form submissions.
  • Performance and analytics: To understand how visitors interact with our websites, improve performance, and optimize content using tools like Google Analytics.
  • Personalization: To remember your preferences and enhance your experience (e.g., preferred language or region).
  • Advertising and targeting: To deliver relevant advertisements based on your browsing behavior and interests on our websites and third-party platforms.
  • Security and fraud prevention: To help detect and prevent potential security threats and fraudulent activity.

Some of these cookies may be set by third-party service providers acting on our behalf or independently.

Categorization of Cookies on Our Websites

We use different types of cookies on our websites, each serving a specific purpose. These cookies may be placed by us (first-party cookies) or by third parties (third-party cookies) to provide features or functionality through our sites.

Strictly Necessary Cookies

These cookies are essential for our websites to function correctly. They enable core functionality such as page navigation, access to secure areas, and form submissions. Our systems cannot switch off these cookies.

Performance and Analytics Cookies

These cookies collect information about how visitors use our websites, such as which pages are visited most often and whether visitors encounter errors. They help us improve site performance and user experience. All information collected by these cookies is aggregated and anonymous.

Functional Cookies

Functional cookies allow the website to remember your choices (such as your preferred language or region) and provide enhanced, personalized features. We may set them or third-party providers whose services we’ve added to our pages.

Targeting and Advertising Cookies

These cookies are used to deliver advertisements relevant to you and your interests. They may also limit how often you see an ad and help measure the effectiveness of advertising campaigns. These cookies may be set through our site by advertising partners.

Social Media Cookies

Social media cookies are used when you share information using a social media sharing button or engage with our content through a social media platform. These cookies may track your browser across other sites and build a profile of your interests.

Below is a complete list of our cookies and similar technologies, including their names, providers, purposes, durations, and categories. This list is dynamically updated and provided by our consent management platform, Complianz.

Microsoft Ads

Functional, Marketing

Usage

We use Microsoft Ads for advertising.

Sharing data

For more information, please read the Microsoft Ads Privacy Statement.

Functional

Name
_uetvid_exp
Expiration
persistent
Function
Name
_uetsid_exp
Expiration
persistent
Function

Marketing

Name
_uetvid
Expiration
13 months
Function
Store and track visits across websites
Name
_uetsid
Expiration
1 day
Function
Store and track visits across websites

Google Adsense

Statistics, Marketing

Usage

We use Google Adsense for showing advertisements.

Sharing data

For more information, please read the Google Adsense Privacy Statement.

Statistics

Name
_gcl_ls
Expiration
Function
Store and track interaction

Marketing

Name
_gcl_au
Expiration
persistent
Function
Store and track conversions
Name
google_adsense_settings
Expiration
persistent
Function
Provide ad delivery or retargeting

WooCommerce

Statistics

Usage

Sharing data

This data is not shared with third parties.

Statistics

Name
History.store
Expiration
Function
Store last visit

Complianz

Functional

Usage

We use Complianz for cookie consent management.

Sharing data

This data is not shared with third parties. For more information, please read the Complianz Privacy Statement.

Functional

Name
cmplz_consented_services
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_policy_id
Expiration
365 days
Function
Store accepted cookie policy ID
Name
cmplz_marketing
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_statistics
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_preferences
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_functional
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_user_data
Expiration
365 days
Function
Read to determine which cookie banner to show

Google Analytics

Statistics

Usage

We use Google Analytics for website statistics.

Sharing data

For more information, please read the Google Analytics Privacy Statement.

Statistics

Name
_ga
Expiration
2 years
Function
Store and count pageviews
Name
_ga_*
Expiration
1 year
Function
Store and count pageviews

WordPress

Functional

Usage

We use WordPress for website development.

Sharing data

This data is not shared with third parties.

Functional

Name
wp-settings-*
Expiration
persistent
Function
Store user preferences
Name
wp-settings-time-*
Expiration
1 year
Function
Store user preferences
Name
wordpress_test_cookie
Expiration
session
Function
Read if cookies can be placed
Name
wp_lang
Expiration
session
Function
Store language settings
Name
wordpress_logged_in_*
Expiration
persistent
Function
Store logged in users

Microsoft Clarity

Statistics, Marketing

Usage

We use Microsoft Clarity for heat maps and screen recordings.

Sharing data

For more information, please read the Microsoft Clarity Privacy Statement.

Statistics

Name
_cltk
Expiration
Function
Store and track interaction

Marketing

Name
ANONCHK
Expiration
Function
Name
MUID
Expiration
1 year
Function
Store and track visits across websites

WP Engine

Purpose pending investigation

Usage

We use WP Engine for website hosting.

Sharing data

For more information, please read the WP Engine Privacy Statement.

Purpose pending investigation

Name
rtk_gdpr_c
Expiration
session
Function
Name
rtkuuid
Expiration
session
Function
Name
rtk_gdpr_a
Expiration
session
Function
Name
rtk_p
Expiration
session
Function
Name
rtk_sid
Expiration
session
Function
Name
rtk_rps
Expiration
session
Function
Name
rtk_sat
Expiration
session
Function

YouTube

Marketing

Usage

We use YouTube for video display.

Sharing data

For more information, please read the YouTube Privacy Statement.

Marketing

Name
GPS
Expiration
session
Function
Store location data
Name
VISITOR_INFO1_LIVE
Expiration
6 months
Function
Provide ad delivery or retargeting
Name
YSC
Expiration
session
Function
Store and track interaction
Name
PREF
Expiration
8 months
Function
Store user preferences

HubSpot

Functional, Preferences, Marketing

Usage

We use HubSpot for marketing automation (automated email marketing).

Sharing data

For more information, please read the HubSpot Privacy Statement.

Functional

Name
__hs_cookie_cat_pref
Expiration
6 months
Function
Store cookie consent preferences
Name
__hssc
Expiration
30 minutes
Function
Store anonymized statistics
Name
*_key
Expiration
2 weeks
Function
Store logged in users
Name
hs_ab_test
Expiration
session
Function
Store ID's of experiments and sessions for A/B testing
Name
__hs_do_not_track
Expiration
6 months
Function
Store 'do not track' signals

Preferences

Name
messagesUtk
Expiration
13 months
Function
Store browser details
Name
__hsmem
Expiration
1 week
Function
Store logged in users
Name
hs-messages-is-open
Expiration
30 minutes
Function
Store if a message has been shown

Marketing

Name
__hstc
Expiration
13 months
Function
Store time of visit

LinkedIn

Functional, Marketing, Statistics, Preferences

Usage

We use LinkedIn for display of recent social posts and/or social share buttons.

Sharing data

For more information, please read the LinkedIn Privacy Statement.

Functional

Name
sdsc
Expiration
session
Function
Provide load balancing functionality
Name
li_gc
Expiration
6 months
Function
Store cookie consent preferences
Name
BizographicsOptOut
Expiration
10 years
Function
Store privacy preferences

Marketing

Name
lms_ads
Expiration
30 days
Function
Store and track visits across websites
Name
_guid
Expiration
90 days
Function
Store and track a visitor's identity
Name
li-oatml
Expiration
1 month
Function
Provide ad delivery or retargeting
Name
li_sugr
Expiration
90 days
Function
Store and track a visitor's identity
Name
UserMatchHistory
Expiration
30 days
Function
Provide ad delivery or retargeting

Statistics

Name
lms_analytics
Expiration
30 days
Function
Store and track a visitor's identity
Name
AnalyticsSyncHistory
Expiration
30 days
Function
Store and track visits across websites

Preferences

Name
li_alerts
Expiration
1 year
Function
Store if a message has been shown
Name
bcookie
Expiration
1 year
Function
Store browser details
Name
lidc
Expiration
1 day
Function
Provide load balancing functionality
Name
bscookie
Expiration
1 year
Function
Store logged in users

Facebook

Marketing, Functional

Usage

We use Facebook for display of recent social posts and/or social share buttons.

Sharing data

For more information, please read the Facebook Privacy Statement.

Marketing

Name
_fbc
Expiration
2 years
Function
Store last visit
Name
fbm*
Expiration
1 year
Function
Store account details
Name
xs
Expiration
3 months
Function
Store a unique session ID
Name
fr
Expiration
3 months
Function
Provide ad delivery or retargeting
Name
act
Expiration
90 days
Function
Store logged in users
Name
_fbp
Expiration
3 months
Function
Store and track visits across websites
Name
datr
Expiration
2 years
Function
Provide fraud prevention
Name
c_user
Expiration
30 days
Function
Store a unique user ID
Name
sb
Expiration
2 years
Function
Store browser details
Name
*_fbm_
Expiration
1 year
Function
Store account details

Functional

Name
wd
Expiration
1 week
Function
Read screen resolution
Name
csm
Expiration
90 days
Function
Provide fraud prevention
Name
actppresence
Expiration
session
Function
Store and track if the browser tab is active

Miscellaneous

Purpose pending investigation

Usage

Sharing data

Sharing of data is pending investigation

Purpose pending investigation

Name
*_mode
Expiration
Function
Name
ct_traffic_source_cookie
Expiration
Function
Name
ct_basic_fields_cookie
Expiration
Function
Name
ct_user_journey_cookie
Expiration
Function
Name
cf_*
Expiration
Function
Name
_vwo_nls_q_835409
Expiration
Function
Name
_vwo_835409_config
Expiration
Function
Name
PAPVisitorId
Expiration
Function
Name
_vwo_nlsCache
Expiration
Function
Name
vwoSn
Expiration
Function
Name
li_adsId
Expiration
Function
Name
cmplz_id
Expiration
365 days
Function
Name
PHPSESSID
Expiration
Function
Name
_vwo_uuid
Expiration
Function
Name
_vwo_uuid_v2
Expiration
Function
Name
_vis_opt_s
Expiration
Function
Name
_vis_opt_test_cookie
Expiration
Function
Name
cmplz_saved_services
Expiration
365 days
Function
Name
hubspotutk
Expiration
Function
Name
__hssrc
Expiration
Function
Name
ifso_last_viewed
Expiration
Function
Name
cmplz_saved_categories
Expiration
365 days
Function
Name
_vwo_ds
Expiration
Function
Name
ifso_visit_counts
Expiration
Function
Name
CF_Authorization
Expiration
Function
Name
cmplz_banner-status
Expiration
365 days
Function
Name
_vwo_sn
Expiration
Function
Name
CF_AppSession
Expiration
Function
Name
__cf_bm
Expiration
Function
Name
fl-builder-settings-tab
Expiration
Function
Name
topicsLastReferenceTime
Expiration
Function
Name
filebird
Expiration
Function
Name
WP_PREFERENCES_USER_4
Expiration
Function
Name
lastExternalReferrerTime
Expiration
Function
Name
WP_DATA_USER_4
Expiration
Function
Name
lastExternalReferrer
Expiration
Function
Name
vwo_apm_sent
Expiration
Function
Name
_vis_opt_exp_105_combi
Expiration
Function
Name
_vis_opt_exp_105_goal_3
Expiration
Function
Name
_vis_opt_exp_105_goal_2
Expiration
Function
Name
ct_tracking_cookie
Expiration
Function
Name
_vis_opt_exp_105_goal_5
Expiration
Function
Name
cfz_hubspot
Expiration
Function
Name
_vis_opt_exp_107_combi
Expiration
Function
Name
_vis_opt_exp_107_goal_2
Expiration
Function
Name
cfEmail
Expiration
Function
Name
_vis_opt_exp_107_goal_3
Expiration
Function
Name
_vis_opt_exp_107_goal_1
Expiration
Function
Name
WP_DATA_USER_17
Expiration
Function
Name
_vwo_logs_113
Expiration
Function
Name
debug_vwoSn
Expiration
Function
Name
_vwo_logs_107
Expiration
Function
Name
WP_PREFERENCES_USER_17
Expiration
Function
Name
onBoardingStep
Expiration
Function
Name
nexterWelcomeVideo2
Expiration
Function
Name
onBoardingNextStep
Expiration
Function
Name
chatbase_anon_id
Expiration
Function
Name
debug_vis_opt_test_cookie
Expiration
Function
Name
LaVisitorId_c3VwcG9ydC5xdWFsaXR5dW5pdC5jb20v
Expiration
Function
Name
_gcl_aw
Expiration
Function
Name
_gcl_gs
Expiration
Function
Name
ct_gclid_tracking_cookie
Expiration
Function
Name
_rdt_uuid
Expiration
Function
Name
_vis_opt_exp_106_combi
Expiration
Function
Name
_vis_opt_exp_113_combi
Expiration
Function
Name
debug_vis_opt_exp_107_combi
Expiration
Function
Name
debug_vwo_uuid
Expiration
Function
Name
debug_vis_opt_exp_107_goal_3
Expiration
Function
Name
debug_vis_opt_exp_107_goal_1
Expiration
Function
Name
debug_vwo_ds
Expiration
Function
Name
WP_PREFERENCES_USER_6
Expiration
Function
Name
WP_DATA_USER_6
Expiration
Function
Name
adobeCleanFontAdded
Expiration
Function
Name
__stripe_mid
Expiration
Function
Name
debug_vis_preview_835409
Expiration
Function
Name
debug_vis_opt_exp_113_combi
Expiration
Function
Name
debug_vis_opt_exp_105_combi
Expiration
Function
Name
debug_vis_opt_exp_105_goal_3
Expiration
Function
Name
debug_vis_opt_exp_105_goal_2
Expiration
Function
Name
debug_vis_opt_s
Expiration
Function
Name
debug_vis_opt_exp_107_goal_4
Expiration
Function

To update your cookie preferences anytime, click here to reopen the consent settings.

Note: Our consent management platform maintains this list using automated monthly scans. While we try to keep it accurate and up to date, some cookies may be added, removed, or updated independently by third-party providers, and may not appear immediately in our list.

How Can You Control the Use of Cookies?

You can manage or disable cookies at any time through the cookie banner on our website by clicking “Cookie Settings” at the bottom of any page.

Note: The cookie consent banner and granular preference settings are shown only to users in the European Economic Area (EEA), the United Kingdom (UK), and other jurisdictions where local law requires consent. All users can still visit this page to review our cookie usage and policy.

In addition, most web browsers allow you to control cookies through their built-in privacy settings. These settings typically let you:

  • View which cookies are stored
  • Delete specific cookies or all cookies
  • Block cookies entirely or from specific websites
  • Set preferences for first-party vs third-party cookies

For broader guidance, you can visit independent resources like www.allaboutcookies.org or www.youronlinechoices.eu, which offer step-by-step instructions for managing cookies across different browsers and devices.

What Other Similar Technologies Do We Use?

In addition to cookies, we may use other tracking technologies to enhance user experience, understand site usage, and deliver relevant content. These may include:

  • Web beacons: Are tiny graphic images embedded in emails or website pages that help us determine whether you’ve interacted with certain content (e.g., opened an email or viewed a webpage).
  • Local storage: Our websites may use local storage (such as HTML5) to store information locally on your device for enhanced performance or user settings.
  • Session storage: Used to remember your actions during a single browser session (such as filling out a form or progressing through a multi-step process).

These technologies function similarly to cookies and may store small amounts of data on your device. While they typically do not collect personal data, they can be combined with cookies to understand user behavior and preferences better.

Using their privacy and storage settings, you can control or delete these technologies in most modern browsers.

You can review or change your preferences for these technologies anytime by visiting our Cookie Settings.

We may occasionally update this Cookie Policy to reflect changes in our practices, legal requirements, or other operational, legal, or regulatory reasons. When we make changes, we will revise the “Last updated” date at the top of this page.

If the changes are significant, we may also notify you by prominently posting a notice on our website or, where required by law, obtaining your consent.

We encourage you to review this Cookie Policy periodically to stay informed about our use of cookies and related technologies.

If you have any questions or concerns regarding this Cookie Policy or how we use cookies and similar technologies, please contact us at privacy@internationalinsurance.com.

If you require this Cookie Policy in an alternative format due to a disability, please contact us at the same address, and we’ll do our best to accommodate your request.

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