Terms and Conditions:

The carrier that these policies are issued under are determined by their location at time of purchase, or destination. Reference the API document – Processing Notes – Florida Tax and Fees. If FL tax will be charged, based upon the selections the user makes, they should be presented with the Houston Casualty Terms and Conditions. If the user is not traveling to or from Florida and will not be charged FL tax, they should be presented with the Cayman Terms and Conditions.

Cayman:

I hereby apply for coverage under membership in the TMHCC(CI) – Travel Trust, Cayman Island and for the insurance provided to members by TMHCC (CI) Insurance SPC Ltd. I understand that the personal information I am submitting in this section will result in automated decisions. For further information on how we process your personal information please see our Privacy Policy . When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision. Please contact your producer for additional information. I understand that the insurance applied for is not a general health insurance policy but is intended for use in the event of a sudden and unexpected event while traveling outside my Home Country. I understand that my insurance terminates upon my return to my Home Country unless I qualify for a Benefit Period. I understand this insurance contains a Pre-existing Condition exclusion and other restrictions and exclusions. I understand that, prior to my current coverage expiration date, I can visit the WorldTrips Member Portal for transaction instructions regarding policy Extensions and/or Renewal eligibility. I understand that if my insurance is not Extended or Renewed prior to or on the current coverage expiration date I must purchase a new policy in order to have coverage. I understand that the information contained herein is a summary of the Master Policy and that I may obtain a complete copy of the Master Policy upon request to WorldTrips. I understand and agree that the insurance agent/broker, if any, assisting with this Application is a representative of the Applicant, and as a representative, authorize WorldTrips to provide any applicable claims Explanation of Benefits (EOB) to assist communication in the claims process. Licensed insurance brokers and independent agents are compensated through commissions calculated as a percentage of premium for the purchase, renewal, placement, or servicing of insurance coverage. If signed by a representative of the Applicant, the undersigned warrants his/her capacity to so act. If signed as guardian or proxy of the Applicant, the undersigned warrants his/her capacity to so act. By acceptance of coverage and/or submission of any claim for benefits, the Applicant ratifies the authority of the signer to so act and bind the Applicant.

Arbitration Notice
Except for certain types of disputes described in the “Arbitration and Class Action Waiver” in your policy wording, if you do not opt-out as set forth in that same section, you agree that disputes between you and the WorldTrips and/or the Insurers will be resolved by binding, individual arbitration, and you waive your right to bring or resolve any dispute as, or participate in, a class, consolidated, representative, collective, or private attorney general action or arbitration.

Payment and Cancellation Notice
I authorize WorldTrips to debit my VISA, MasterCard, American Express, Discover Card, or PayPal account for the amount specified above. I understand that coverage purchased by credit card is subject to validation and acceptance by the credit card company. If requesting cancellation, I understand that I must notify WorldTrips, in writing, prior to the effective date for a full refund and that express delivery charges are not refundable.

Houston Casualty:

I hereby apply for coverage through Houston Casualty Company (HC). I understand that the personal information I am submitting in this section will result in automated decisions. For further information on how we process your personal information please see our Privacy Policy. When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision. Please contact your producer for additional information. I understand that the insurance applied for is not a general health insurance policy but is intended for use in the event of a sudden and unexpected event while traveling outside my Home Country. I understand that my insurance terminates upon my return to my Home Country unless I qualify for a Benefit Period. I understand this insurance contains a Pre-existing Condition exclusion and other restrictions and exclusions. I understand that, prior to my current coverage expiration date, I can visit the WorldTrips Member Portal for transaction instructions regarding policy Extensions and/or Renewal eligibility. I understand that if my insurance is not Extended or Renewed prior to or on the current coverage expiration date I must purchase a new policy in order to have coverage. I understand that the information contained herein is a summary of the policy and that I may obtain a complete copy of the policy upon request to WorldTrips. I understand and agree that the insurance agent/broker, if any, assisting with this Application is a representative of the Applicant, and as a representative, authorize WorldTrips to provide any applicable claims Explanation of Benefits (EOB) to assist communication in the claims process. Licensed insurance brokers and independent agents are compensated through commissions calculated as a percentage of premium for the purchase, renewal, placement, or servicing of insurance coverage. If signed by a representative of the Applicant, the undersigned warrants his/her capacity to so act. If signed as guardian or proxy of the Applicant, the undersigned warrants his/her capacity to so act. By acceptance of coverage and/or submission of any claim for benefits, the Applicant ratifies the authority of the signer to so act and bind the Applicant. Rates include surplus lines taxes and fees where applicable.

Arbitration Notice
Except for certain types of disputes described in the “Arbitration and Class Action Waiver” in your policy wording, if you do not opt-out as set forth in that same section, you agree that disputes between you and the WorldTrips and/or the Insurers will be resolved by binding, individual arbitration, and you waive your right to bring or resolve any dispute as, or participate in, a class, consolidated, representative, collective, or private attorney general action or arbitration.

Payment and Cancellation Notice
I authorize WorldTrips to debit my VISA, MasterCard, American Express, Discover Card, or PayPal account for the amount specified above. I understand that coverage purchased by credit card is subject to validation and acceptance by the credit card company. If requesting cancellation, I understand that I must notify WorldTrips, in writing, prior to the effective date for a full refund and that express delivery charges are not refundable.

All information submitted through our “Instant Online Quoting and Application System” is transmitted and received through a high security sequel socket layer server with 128 bit encryption, thus offering one of the toughest security protocols available for data security.

When you buy insurance through this site, you maintain control of your purchase decisions at all times. We are dedicated to making your insurance purchase as fast, easy, private and secure as possible.