VisitorInsuranceQuotes.ca ("VIQ", "we", "our", or "us") is owned and operated by PolicyAdvisor Brokerage Inc. ("PolicyAdvisor"), a licensed insurance brokerage in Canada. By accessing or using our website (the "Site") or any of our services (collectively, the "Services"), you agree to be bound by these terms of service ("Terms"). Please read them carefully before using the site or services.
About Our Services
VIQ is an online platform operated by PolicyAdvisor that allows users to:
- Compare travel medical insurance plans from multiple Canadian insurance providers
- Review coverage options for emergency medical care, hospital services, repatriation, and related travel benefits
- Request quotes and connect to the insurance application process
Important: VIQ is not an insurance company and does not provide brokerage services independent of PolicyAdvisor. All brokerage services are provided by PolicyAdvisor Brokerage Inc., licensed to arrange insurance in Canada.
Geographic Scope
Our services are available only to individuals eligible to purchase Canadian travel insurance products and who are physically located in Canada or seeking coverage for travel to or within Canada. While the site may be accessed globally, quoting and application functions may be restricted based on jurisdiction and insurer availability.
Quotes and Coverage
Quotes provided on VIQ are estimates based on the information you provide and are subject to:
- The underwriting rules and approval of the selected insurance provider
- Final premium calculations at the time of application
- Policy terms, conditions, limitations, and exclusions set by the insurer
The insurer's issued policy wording and confirmation of coverage take precedence over any information displayed on VIQ.
User Responsibilities
When using VIQ, you agree to:
- Provide accurate, complete, and current information about yourself and any insured persons, including medical history, travel dates, and other required details
- Be at least 19 years of age (the age of majority in Ontario) and legally capable of entering into an agreement
- Refrain from misusing the site, including engaging in automated scraping, tampering, or any unlawful activity
Providing inaccurate or incomplete information may result in denial, limitation, or rescission of coverage by the insurer.
No Warranties & Limitation of Liability
No Warranties
VIQ provides the site and services "as is" and "as available." While we strive to ensure the accuracy and timeliness of information, we do not guarantee:
- That quotes, policy summaries, or other content will be accurate, error-free, or uninterrupted
- That the site will be free of viruses or other harmful components
Your use of the site and services is at your own risk.
Limitation of Liability
To the fullest extent permitted by applicable law:
- VIQ, PolicyAdvisor, and our affiliates, partners, or agents shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the site or services
- Our total liability for any claim related to these terms or the site is limited to CAD $50
Privacy & Communications
Privacy
Your personal information is collected, stored, and used in accordance with our Privacy Policy. By using our site or services, you consent to these practices.
Communications
By providing your contact information, you consent to receive emails, phone calls, or SMS messages related to your inquiries or travel insurance quotes. You may opt out of marketing communications by following the instructions in our messages or contacting us directly.
Additional Terms
Termination
We reserve the right to suspend or terminate your access to the site or services at our sole discretion, without notice, if you violate these terms or misuse the site. Provisions related to liability, privacy, intellectual property, and governing law will survive termination.
Intellectual Property
All content on the site, including text, graphics, logos, and other materials, is owned or licensed by PolicyAdvisor Brokerage Inc. You may use this content solely for personal, non-commercial purposes and may not reproduce, distribute, or modify it without our prior written consent.
Governing Law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these terms or your use of the site shall be resolved exclusively in the courts of Ontario, Canada.
Feedback
Any ideas, suggestions, or feedback you submit to us may be used freely by VIQ or PolicyAdvisor without compensation or obligation to you.
Contact Us
VisitorInsuranceQuotes.ca
Operated by PolicyAdvisor Brokerage Inc.
- 📍2030 Bristol Circle, Suite 210, Oakville, ON L6H 0H2
- 📧hello@policyadvisor.com
- 📞+1 (647) 797-8160
By using VisitorInsuranceQuotes.ca, you acknowledge that you have read, understood, and agree to be bound by these terms of service.