Terms of Use
Last updated: August 10, 2026
About this website
PolarCover is operated by a life & health insurance agent licensed in Ontario (FSRA Licence #16155489). The website provides information about travel medical insurance products, generates premium estimates from official insurer rate tables, and accepts applications for review by a licensed advisor.
Quotes are estimates until confirmed
Premiums shown on this website are calculated from the insurers' published rate tables and are provided for comparison. Your final premium, eligibility, and policy terms are confirmed by a licensed advisor and determined by the insurer at the time of application. No coverage is in force until a policy is issued and payment is completed. If there is any conflict between information on this website and an insurer's policy wording, the policy wording governs.
No medical, legal, or immigration advice
Content on this website, including responses from the chat assistant, is general information about insurance products. It is not medical advice, legal advice, or immigration advice, and it is not a recommendation tailored to your circumstances until a licensed advisor has reviewed your application.
Accuracy of your information
Insurance applications rely on the accuracy of the information you provide. Inaccurate or incomplete answers — including about age, health, and eligibility criteria — can void coverage or result in denied claims. Review the insurer's eligibility requirements and policy wording before purchasing.
Third-party products
Insurance products described on this site are administered by JF Insurance Agency Group Inc. and underwritten by the named insurers. Those companies are responsible for their own products, policy wordings, and claims handling. Claims assistance is provided by Ontime Care Worldwide Inc.
Limitation of liability
While we work to keep information current and accurate, the website is provided “as is” without warranties of any kind. To the maximum extent permitted by law, we are not liable for losses arising from use of the website, from reliance on estimates before confirmation, or from the products and services of third parties. Nothing in these terms limits obligations we owe under applicable insurance regulation.
Governing law
These terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario.