Terms of Use

1. THIS IS AN AGREEMENT BETWEEN YOU AND BESTQUOTE TRAVEL INSURANCE AGENCY

By using the Bestquotetravelinsurance.ca website, a service provided by BestQuote Travel Insurance Agency (herein referred to as “the Service”) for the purposes of informing the general public about travel insurance and advising on options for obtaining coverage, you agree without qualification or limitation to enter into a service contract whereby in consideration for receiving such information you agree to be bound by the following terms and conditions (“Terms of Use” ):

Bestquotetravelinsurance.ca reserves the right to update and change the Terms of Use from time to time without notice. Any new features or changes of the Service, including the release of new tools and features, shall be subject to these Terms of Use. Continued use of the Service after any such changes shall constitute your consent to such changes. You can review the most current version of the Terms of Use at any time on the website.

2. Copyright

All content included on Bestquotetravelinsurance.ca, including but not limited to all text, graphics, logos, icons, images, audio clips, information, documents, products and services, and software (collectively, the “Goods”) - is the property of bestquotetravelinsurance.ca and/or its affiliates and/or content suppliers, and is protected by Canadian and International Copyright laws. Except as stated herein, none of the Goods may be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted or transmitted in any form or by any means, including but not limited to electronic, mechanical, photocopying, recording or other means, without the prior express written permission of Bestquotetravelinsurance.ca.

3. Limited License

Bestquotetravelinsurance.ca grants you a limited license that authorizes you to view, copy, download and print materials made available on this website, provided that: (1) if you are not licensed to sell travel insurance, the materials are used solely for personal, non-commercial purposes, and you do not use them to advise others about obtaining insurance; (2) if you are licensed to sell travel insurance, and your use of the Service is to help counsel others about obtaining travel insurance you must enter into a Referral Agreement with bestquotetravelinsurance.ca and become one of our licensed Affiliates. If you are a licensed insurance agent and use this web for commercial purposes without registering as a licensed Affiliate, you agree to compensate Select First Financial Services Inc. by paying $10 per quote obtained and/or 50% of all commissions received from sales of any insurance products displayed on your quote, in addition to interest charges as set by a regulatory authority or court with jurisdiction; (3) the materials are not modified or redistributed; and (4) all copyright, trademark, service mark and other proprietary notices are reproduced as they appear in any such materials. Any unauthorized use terminates the permission or license granted by Bestquotetravelinsurance.ca.

4. Disclosure of Commissions

Bestquotetravelinsurance.ca is a service provided by Select First Financial Services Inc., a licensed insurance agent in the provinces of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, as well as the Northwest Territories.

In the Province of British Columbia, we are licensed by the Insurance Council of British Columbia under Corporate Life, Accident and Sickness license #LIC-173877C108946R2

In the Province of Alberta, we are licensed by the Alberta Insurance Council, as a Corporate Accident & Sickness Insurance Agency, license #6-10954244-2020

In the Province of Saskatchewan, we are licensed by the Insurance Councils of Saskatchewan, under Agency Accident & Sickness license #07383

In the Province of Manitoba, we are licensed by the Insurance Council of Manitoba, under Agency Accident & Sickness license #AIA-29451-1298-2021

In the Province of Ontario, we are governed by the Financial Services Regulatory Authority of Ontario, under the Agency's Life Accident & Sickness license #33588M

In the Province of New Brunswick, we are licensed by the Financial and Consumer Services Commission of New Brunswick under Life, Accident and Sickness license #170037261

In the Province of Nova Scotia, we are licensed by the Office of the Superintendent of Insurance under Agency Accident & Sickness license #18-2105496-00-F1

In the Province of Newfoundland & Labrador, we are licensed by the Financial Services Regulation Division under Accident and Sickness license #16-67-SE088-1

In the Province of Prince Edward Island, we are licensed by the Superintendent of Insurance under Accident and Sickness license #30416

In the Northwest Territories, we are licensed by the Office of the Superintendent of Insurance under Accident and Sickness license #NT-A2-7164-2020

The information on this website is not intended to be an offer to sell or advise on any product or service by us in any jurisdiction where such an offer would be unlawful or where we are not licensed to do so. The insurance premiums that we quote are provided directly by the insurance companies, which are regulated by various provincial insurance authorities. Regulations prevent insurance companies and their representatives from rebating or marking up premiums to customers, so the rates we quote are the same as those offered by the insurance companies themselves or other insurance agents and brokers representing them. You will not find a lower premium for the same insurance plans.

BestQuote Travel Insurance Agency receives commissions when a new policy is issued through the use of this website. We may share that commission with an Affiliate of BestQuote Travel Insurance Agency for referring you to our website, but only if that Affiliate has entered into a Referral Arrangement Agreement with us and we disclose to you and receive your consent prior to the time of sale that such a sharing of commissions will take place, by naming the parties that will be sharing commissions or remuneration.

5. Trademarks

Bestquotetravelinsurance.ca, other trademarks, trade names and service marks (the “Marks”) displayed on this website are the property of BestQuote Travel Insurance Agency and/or its parent company Select First Financial Services Inc. Bestquotetravelinsurance.ca graphics, logos, page headers, button icons, scripts, code and service names are trademarks or trade dress of Bestquoutetravelinsurance.ca and/or its affiliates. Users are not permitted to copy or otherwise use these Marks without the prior written consent of Bestquotetravelinsurance.ca or such affiliate which may own the Mark.

6. Devices

You agree that you will not use any robot, spider, script, other automatic device, or manual process to monitor or copy our website pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Bestquotetravelinsurance.ca website. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our technological infrastructure.

You also agree not to re-engineer anything on this website in terms of all examinations and alterations of this system to reconstitute it in a new form. It is more accurate to say that you agree not to reverse engineer any part or in whole of this website, including the initial examination of the system, with the intent of re-engineering it subsequently to produce a modification and/or modified system to reconstitute it in a new form.

7. Applicable Laws

By visiting Bestquotetravelinsurance.ca, you will comply with all applicable laws, statutes, ordinances and regulations regarding your use of our service and any related activities. In the case of any dispute, the laws of the Province of British Columbia will govern these terms of use and any dispute of any sort that may arise between you and Bestquotetravelinsurance.ca. Any dispute relating in any way to your visit to the Service shall be submitted to confidential arbitration in Vancouver, British Columbia; except that, to the extent that you have in any manner violated or threatened to violate the intellectual property rights of Bestquotetravelinsurance.ca and/or its affiliates may seek injunctive or other appropriate relief in any provincial or federal court, and you consent to exclusive jurisdiction and venue in such courts.

8. Payments

Payment information is collected and retransmitted to the insurance company issuing the insurance policy, which then processes any payment.

9. Refunds

Each insurance company will clearly state its refund policy which covers events like not leaving on your trip, coming back early etc. It is your responsibility to read your policy carefully before making a purchase and to understand the coverage benefits, possible exclusions and procedures for making claims or requesting refunds. All refund applications will be made directly to the insurance company issuing the policy in the manner described in your policy. If you have any problems having a refund issued by your insurance company, you may contact us to intervene and speak to the insurance company on your behalf.

10. Claims

You agree to direct any claims requests directly to the insurance company that has issued your policy in the manner described by the insurance company in the policy.

11. Termination

Bestquotetravelinsurance.ca reserves the right to revoke your access and terminate your use of the website if it is in any way fraudulent, offensive, or violates any applicable laws. In our sole discretion, we may refuse to publish any content you provide at any time, for any reason, with or without notice.

12. Disclaimer of warranties and limitation of liability

The Bestquotetravelinsurance.ca website is provided on an “as is” and “as available” basis. To the best of our knowledge, the information placed on the Service is accurate at the time it is placed there, but the insurance companies can change their pricing or terms of coverage without our knowledge, and Bestquotetravelinsurance.ca makes no representations or warranties of any kind, expressed or implied, as to the operation of this site or the information, content, materials, or services included on this site. If any discrepancy arises between the premiums quoted by this site and the premium quoted by an insurance company based on the same information, the quote from the insurance company will be deemed to be accurate. Bestquotetravelinsurance.ca does not make offers to sell insurance at a differentiated premium.

You expressly agree that your use of this site is at your own risk. You expressly understand and agree that Bestquotetravelinsurance.ca and/or its parent company Select First Financial Services Inc., or any of its affiliated brokers, associates, advertisers, service providers, shareholders, employees, directors, or officers shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of income, loss of premium, loss of use, loss of data or other intangible losses resulting from: (i) the use or the inability to use the Service; (ii) an inaccurate quote; (iii) cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Service; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of any third party on the Service; (vi) termination of your account; or (vii) any other matter relating to the Service.

13. Privacy Policy

The Bestquotetravelinsurance.ca Privacy Policy is displayed on our website and forms a part of these Terms of Use. All customers’ information is regarded as confidential and is safeguarded. Our Privacy Policy governs how we collect, use, retain and disclose personal information and complies with the requirements under the Personal Information Protection and Electronic Documents Act (PIPEDA). If you do not feel comfortable with our use of your personal information, please don’t use the website.

14. Communication

You authorize BestQuote Travel Insurance Agency to send communication via email and/or regular mail concerning travel and/or health insurance; or the use of this website. You agree to use your own email when requesting information from the website and that by doing so, we will communicate with you regarding your requested information. You may opt-out of future correspondence if you wish by selecting that option in the ‘edit profile’ tab in your member area, by clicking on the ‘unsubscribe’ button provided, or by replying to the email with ‘unsubscribe’ written in the subject line - which may take up to 72 hours to complete. By entering your email and requesting information, you agree that these opt-out provisions are acceptable. If you do not feel comfortable with receiving communications from us regarding your requested information, please don’t use the Service.

15. Security Statement

The Bestquotetravelinsurance.ca Security Statement is displayed on our website and forms a part of these Terms of Use. We maintain physical, electronic and procedural safeguards to protect the customer information we collect. Unauthorized access or use of personal information is prevented through the technological use of passwords, encryptions, firewalls and anti-virus software. Any personal information provided to our website is encrypted using Secure Socket Layer (SSL) technology. If you do not feel comfortable with the security procedures we have in place to safeguard the data on our website, please don’t use the Service.

16. Links between Websites

Bestquotetravelinsurance.ca is not responsible for the content of, action or inaction of, nor does it endorse, the third-party websites to which you may link using this website; having a link from this website to another site does not imply approval of or endorsement of any other website by us. Any website linking to us may or may not be doing so with our permission, so you should not assume that the linking website has any authority to represent BestQuote Travel Insurance Agency or discuss insurance matters, make recommendations, or offer insurance advice. BestQuote Travel Insurance Agency cannot be held responsible for such third-party actions. When we have an affiliate agreement with a third party, we will disclose that to you prior to the time of sale, as per the affiliate agreement (see below).

17. BestQuote Affiliate Referral Arrangement Agreement

For the purposes of this agreement, BestQuote, we, our or us, refers to Select First Financial Services Inc.’ otherwise known as,’ and/or ‘doing business as’ BestQuote Travel Insurance Agency. Affiliate, you or your refers to the person/company that has applied or is applying for an affiliate account with Us.

The Affiliate agrees to abide by the terms of this Agreement as set forth below:

1) Relationship: This Agreement is a referral arrangement between BestQuote and the Affiliate, which enables the Affiliate to refer their client(s) or website visitor(s) to BestQuote’s service and share a part of any resulting referral fees or commissions for assisting in the sales process. The Affiliate is neither an employee nor an agent of ours. We do not act as a Managing General Agency on behalf of the Affiliate. Unlicensed affiliates do not offer advice to their clients but merely provide a link(s) to our website so that the client can deal with a licensed travel/health insurance agency.

2) Term of the Agreement: This referral arrangement contract will begin upon our acceptance of your Affiliate application and will end when terminated by either party. This Agreement may be terminated by either party at any time upon written notice to the other. Any violation of law or non-compliance with this Agreement by the Affiliate may result in immediate termination of this Agreement. This Agreement shall automatically terminate upon the Affiliate no longer being licensed to sell accident and sickness insurance. The Affiliate agrees to notify us immediately in the event that they are no longer licensed. In the event of a sale of the Affiliate’s agency or business, this agreement will vest to the new owner of the Affiliate’s agency or business as long as they remain licensed to conduct travel insurance business.

3) Promotion: The Affiliate agrees to use only our promotional material, website service and forms as furnished or approved by us when they are conducting travel insurance business with, or advertising travel insurance services to, their clients. The affiliate may not advertise coverage or use our logo or service marks without our written approval. The affiliate also agrees that they have read and agree to the terms and conditions of our Privacy Policy and that they shall not promote this Affiliate Program or the products/services by sending unsolicited mailings to any non-clientele persons (SPAM). BestQuote has the Affiliate’s permission to market travel insurance-related services to all website users but agrees to never communicate or promote to an Affiliate’s referred clients any information regarding non-insurance financial products or services during the term of this agreement or after its termination.

4) Compensation and Payments: Compensation to the Affiliate for marketing services provided under the Agreement shall be no less than 50% of the net revenue earned on any insurance business where the net revenue is greater than $20.00. Compensation may be changed upon 30 days’ notice. Compensation is only payable to the Affiliate based on earned premiums, and the Affiliate agrees to return any compensation that is subsequently determined to be unearned or on premiums that have been refunded. The Affiliate is only eligible to earn referral fees on sales occurring during the term of this agreement. Insurance companies pay BestQuote according to the terms of the agreement they have with BestQuote. Any compensation for referrals will be paid to the Affiliate by cheque, or funds transfer within 30 days of receipt by BestQuote, on a quarterly basis, as long as the outstanding amount is over $100.

5) Affiliate Account, Password and Security: You must complete the Agreement and affiliate registration process by providing us with current, complete and accurate information as requested in the Affiliate area of the website, including your email address (username) and password. You shall protect your passwords and take full responsibility for your own and third-party use of your accounts. You are solely responsible for any and all activities that occur under your account. You agree to notify us immediately upon learning of any unauthorized use of your account or any other breach of security. From time to time, we may log in to your account using your password in order to maintain or improve service, including providing you assistance with technical or billing issues. You hereby acknowledge and consent to such access.

6) Competing Services: The Affiliate agrees that they shall not directly or indirectly attempt to reverse engineer, decrypt, decipher, reconstruct or re-orient the algorithms, logic, HTML, or program code in any of our programs, products, models or prototypes. The Affiliate agrees that, at times, they may have access to confidential and proprietary information owned by us and that they shall not share any such information unless authorized by us in writing. The Affiliate agrees that they shall not create or assist in the creation of any competing online travel insurance service after becoming an Affiliate under this agreement, either during the term of the Agreement or for a period of five years after the Agreement’s termination date.

7) Modification: We may modify any of the terms and conditions contained in this Agreement, at any time and at our sole discretion, by emailing a change notice or a new agreement in your Affiliate area of the website. Modifications may include, for example, changes in the scope of available referral fees, fee schedules, payment procedures and program rules. If any modification is unacceptable to you, you may terminate this agreement. Your continued participation in the program will constitute your acceptance of any change we have posted. We will notify you by email if any change is being planned to receive your feedback prior to posting the change in your Affiliate area of the website.

8) Limitation of Liability: We will not be liable to the Affiliate or to any third party for indirect, special or consequential damages or any loss of revenue, profits or data arising in connection with this Agreement or the Program, even if we have been advised of the possibility of such damages. Further, our liability arising with respect to this Agreement and the Program will not exceed the total referral fees paid or payable to you under this Agreement.

9) Miscellaneous: This Agreement will be governed by the laws of the province of British Columbia. Any action relating to this Agreement must be brought in the federal or provincial courts located in the province of British Columbia, and you irrevocably consent to the jurisdiction of such courts.

10) Independent Investigation: you acknowledge that you have read this agreement and agree to all its terms and conditions. You have independently evaluated the desirability of this agreement and are not relying on any guarantee or statement other than as set forth in this agreement.

18. Acceptance of Affiliate relationships

You agree that it is acceptable for us to compensate BestQuote Travel Insurance Agency Affiliates according to the terms of their agreement for having assisted with the promotion of this website and the subsequent sale of a travel insurance product through the use of this website. If you no longer want to be associated with a particular affiliate, you may choose to opt out of the relationship by emailing [email protected] with the message ‘Please opt me out of affiliate relationship’ in the subject line or by checking the opt-out box in your member area.

19. Modification of the Website

Bestquotetravelinsurance.ca may, at its sole discretion, improve, modify or remove any information or content appearing on the website at any time for any reason. Bestquotetravelinsurance.ca may discontinue or revise any or all aspects of the website at its sole discretion and without prior notice.

20. Modification of These Terms of Use

Bestquotetravelinsurance.ca reserves the right to change the terms, conditions, and notices under which this Web site is offered at any time. Modification of this contract will be deemed effective upon publication on the Web site with respect to any visitor’s actions, communications or transactions occurring after said date. It is your responsibility to check the terms and conditions of this Agreement at the time of each use.

21. Complaints Procedure

It is our intention to provide all of our website users, customers and prospective customers with a high level of service at all times. However, if you have reason to make a complaint about our service or the way in which your claim issue has been handled, please contact us:

In writing:

The Customer Services Manager
BestQuote Travel Insurance Agency
#209–223 West Broadway
Vancouver, B.C., V5Y1P5

Or by email to [email protected]
Or by calling us at 1-888-888-0510

Our Agency will respond to the issues you raise in a professional, forthright and timely manner within two business days.

If you have a complaint about one of the insurance companies that we use with our customers, and/or about a claim-related issue, we encourage you to contact us first to help you learn the proper process to send them information about your complaint. Our advice may be quite helpful.

If you remain dissatisfied, you may be entitled to refer your complaint to The OmbudService for Life & Health Insurance (OLHI), which provides free and impartial assistance with consumer complaints and inquiries about Canadian life and health insurance products and services. The OLHI can be contacted by telephone at 1-888-295-8112 and further information is available at https://olhi.ca/about-olhi/. If you do decide to refer any matter to the OLHI, your legal rights will not be affected.