Last updated: July 19, 2026
These Terms of Use (“Terms”) govern your access to and use of https://expatinternational.com (the “Site”), operated by Expat International Health Insurance (“we”, “us”, or “our”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
Who we are
We provide information and insurance brokerage services related to international health and related cover for expats. We introduce clients to third-party insurers and help compare options. We are not an insurance company and do not underwrite policies.
Informational purpose
Content on the Site — including guides, location pages, and product descriptions — is for general information only. It is not personal financial, legal, tax, or medical advice, and it is not a quote, offer, or contract of insurance.
Insurance products are issued by third-party insurers subject to their policy terms, underwriting, eligibility rules, and local regulations. Coverage details can change. Always review insurer documents before purchasing.
Quotes and enquiries
When you submit a quote or contact form, you ask us to respond and, where appropriate, obtain indicative quotations from insurers. Submitting a form does not create a binder of insurance or guarantee that cover will be offered, issued, or renewed.
You agree to provide accurate information. Incomplete or inaccurate details may affect quotes, eligibility, or claims.
Acceptable use
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to the Site, servers, or related systems
- Interfere with Site security, performance, or availability
- Scrape, harvest, or misuse Site content or form endpoints in an abusive way
- Submit malware, spam, or deceptive content through our forms
- Misrepresent your identity or affiliation when contacting us
Intellectual property
Site content, branding, layout, and materials are owned by us or our licensors and are protected by applicable intellectual property laws. You may view and print pages for personal, non-commercial use. You may not copy, modify, distribute, or exploit Site content for commercial purposes without our prior written consent.
Third-party links and tools
The Site may link to third-party websites, including insurer portals. We are not responsible for third-party content, availability, or practices. Your use of third-party sites is at your own risk and subject to their terms.
Disclaimer of warranties
The Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.
Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or business opportunities, arising from your use of the Site or reliance on Site content.
Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law.
Indemnity
You agree to indemnify and hold us harmless from claims, losses, and expenses (including reasonable legal fees) arising from your misuse of the Site, your breach of these Terms, or your violation of any law or third-party right.
Privacy
Our collection and use of personal information is described in our Privacy Policy and Cookie Policy.
Changes to the Site or Terms
We may update the Site or these Terms at any time. The “Last updated” date reflects the latest revision. Continued use after changes constitutes acceptance of the updated Terms.
Governing law
These Terms are governed by the laws applicable to our business operations, without regard to conflict-of-law principles that would require another jurisdiction’s laws. Courts with competent jurisdiction may hear disputes arising from these Terms or the Site, subject to any mandatory consumer protections that apply where you live.
Contact
Questions about these Terms? Email info@expatinternational.com or visit our contact page.