Last Modified: March 10, 2023
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. Also, if you are a citizen of the U.S. or a foreign citizen physically located or residing in the U.S. while viewing this website, there may be certain additional restrictions, conditions and eligibility requirements that apply. Please contact us for details.
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY USING THIS SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.
Restrictions on Content
This site is owned and operated by International Citizens Group, Inc. No content from this site may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work or otherwise exploited in any way without the prior written consent of International Citizens Group, Inc. The use of this site by any person of any data mining, data scraping, robot or similar process, device, software or similar or related technology is strictly prohibited. The modification or use of the contents from this site for any commercial purpose is strictly prohibited and is a violation of trademark, copyright and other proprietary rights owned by parties including International Citizens Group, Inc. and its affiliates.
Disclaimer
The contents in this site are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, International Citizens Group, Inc. Disclaims all warranties, express or implied, including, but not limited to, any implied warranty of merchantability or fitness for a particular purpose. International Citizens Group, Inc. Does not warrant that the functions contained in the content will be uninterrupted or error-free, that defects will be corrected or that this site or the server that makes it available are free of viruses or other harmful components. International Citizens Group, Inc. does not warrant or make any representations regarding the use or the results of the use of the content on this website regarding their correctness, accuracy, reliability, or otherwise. You (and not International Citizens Group, Inc.) assume the entire cost of all necessary servicing, repair or correction relating in any way to your use of this site. Applicable law may not allow the exclusion of implied warranties so the above exclusion may not apply to you.
Limitation of Liability
Under no circumstances, including but not limited to negligence, shall International Citizens Group, Inc. be liable for any indirect, special, incidental, consequential or other damage, including, but not limited to, loss of data or lost profits, which result from the use of, or the inability to use, the content on this website. Even if International Citizens Group, Inc. or an authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. Notwithstanding the above, in no event shall International Citizens Group, Inc.’s total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this site.
Termination
This agreement regarding the legal restrictions and terms of use for this website is elective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all International Citizens Group, Inc. site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from International Citizens Group, Inc. if, in International Citizens Group, Inc.’s sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other International Citizens Group, Inc. site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.
Patient Protection and Affordable Care Act (PPACA)
IMPORTANT NOTICE: The insurance we sell is not subject to, and does not provide benefits required by, PPACA. PPACA will require U.S. citizens and some U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Please note that it is solely your responsibility to determine if PPACA applies to you.
Other
This agreement shall be governed by and construed under the laws of the State of Massachusetts, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason is unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both Parties.
Service Marks
The marks, designs, and logos published on this Website are the trademarks, service marks or registered marks of International Citizens Group, Inc., or its partners in the United States and other countries. All rights to such trademarks, designs, and logos are reserved for all purposes.
Broker of Record
By completing any of our online inquiry or quote request forms, or by verbally providing your information to us for the express reason of requesting a quote, you agree to have International Citizens Group, Inc., and our licensed brokers, serve as your Broker of Record. As your Broker of Record, we are bound to represent you in any dealings with your insurer, at your request.
Why We Do What We Do as Experts in International Insurance
Our mission is to educate consumers on the value of global medical, life, and travel insurance while providing a resource for them to research, compare, and purchase plans for their relocation abroad or international trip. We offer expatriate insurance, corporate HR plans, volunteer group insurance, travel insurance, insurance for international employees, missionary plans, and cover for anyone living abroad or traveling throughout the world.