PLEASE READ THESE TERMS OF USE AND LEGAL DISCLAIMER CAREFULLY BEFORE USING THIS SITE. BY USING THE SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF YOU DO NO AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.

  1. Expat FinancialTM, SM, ExpatFinancial.comTM, SM, TFG Global Travel InsuranceSM, GlobalTravelInsurance.com SM, TFG Global Insurance Solutions Ltd. SM, TFGSMM and Travel Insurance Now.com and the Expat FinancialTM, TFG Global Travel Insurance SM and TFG Global Insurance Solutions SM Healthcover.ca web sites (the “Web Sites”) are owned and operated by TFG Global Insurance Solutions Ltd. (“TFG”). No material from the Web Sites may be copied, reproduced, down loaded, uploaded, modified, sold, displayed published, republished, posted, transmitted distributed, incorporated into another work or otherwise dealt with or exploited except as expressly authorized by TFG in writing. Without limiting the foregoing, any use or modification of the content of the Web Sites is strictly prohibited. Notwithstanding the foregoing, visitors to the Web Sites may print or download the information contained on the Web Sites for their own personal and non-commercial use only and on the condition that they indemnify and hold harmless David G. Tompkins and TFG from and against all manner of claims, suits, demands, damages, costs, and consequences of such use. These terms and conditions may be updated by TFG from time to time without notice to you. EXPAT FINANCIAL & Design is a registered trademark of TFG Global Insurance Solutions Ltd.
  2. The information and content contained in the Web Sites is intended for general informational purposes only. It is not intended to constitute, insurance, legal , financial, tax or any other professional advice or services. You should consult a qualified professional advisor before making any decision relating to the information contained in the Web Sites.
  3. Much of the information contained on the Web Sites has been compiled from third party sources. Accordingly, TFG makes no representation or warranty concerning the accuracy of the information and content contained in the Web Sites. The information and content is provided strictly on an “as is” basis. TFG expressly disclaims all warranties whether express, implied or statutory, to the greatest extent permissible by law, including, but not limited, all warranties of accuracy, completeness, merchantability, performance, and fitness for a particular purpose. All information should be verified directly with TFG prior to your acting in reliance upon it.
  4. DAVID G. TOMPKINS AND TFG EACH HEREBY EXPRESSLY DISCLAIM FOR THEMSELVES AND THEIR RESPECTIVE EMPLOYEES, SUCCESSORS, HEIRS, AFFILIATES AND AGENTS, ANY AND ALL LIABILITY FOR ANY DAMAGES OR LOSS SUFFERED BY YOU, OR BY ANY OTHER PERSON, AS A RESULT OF YOUR USE OF THE INFORMATION AND CONTENT CONTAINED ON THE WEB SITES INCLUDING, BUT NOT LIMITED TO, ANY CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY AND GENERAL DAMAGES WHETHER OR NOT THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  5. All links between the Web Sites and other sites are owned, managed and maintained by independent third parties. As such sites are outside of the control of TFG, TFG makes no representations or warranties regarding the accuracy, completeness or any other aspect of the content of such sites or the advertising, services or products offered or sold by way of such sites. Furthermore, TFG does not endorse such sites nor any advertising, services or products offered by way of such sites. You further agree that TGF is in no way responsible for the content or availability of such sites. YOU EXPRESSLY AGREE THAT TFG WILL IN NO WAY, DIRECTLY OR INDIRECTLY, BE LEGALLY LIABLE FOR ANY CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS AVAILABLE ON OR BY WAY OF SUCH SITES, NOR FOR ANY LOSS OR DAMAGES RESULTING FROM OR RELATED TO SUCH CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS OR YOUR USE THEREOF OR RELIANCE THEREON.
  6. Nothing contained in the Web Sites should be construed as a solicitation, offer to sell or contract of any kind. Purchasers of insurance products should check their local laws before buying any insurance product.
  7. Complete details of the benefits and plans available through TFG are contained in the policies, schedules and endorsements of the particular plans and can be obtained from TFG without charge upon request.
  8. You agree to direct all inquiries regarding claims under policies arranged by TFG to the insurance company that issued your policy. All contracts & claims are negotiated directly between the client and the insurer or administrator wherever applicable.
  9. By using this web site, you agree to read and understand our Privacy Policy and Engagement Notice. Please note that client information may have to be shared with insurance companies in order to obtain a quote, apply or be approved for insurance.
  10. Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact TFG Global Insurance Solutions Ltd. for more information about your specific jurisdiction. The international coverage is NOT available to residents in British Columbia.
  11. All Premiums must be sent directly to the insurer and payable directly to the insurer. Your insurance contracts are with the insurer, not Expat Financial or TFG Global Insurance Solutions Ltd.
  12. Note that we reserve the right to refuse to provide a quote – a reason for not quoting is not required to be provided.
  13. The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by TFG Global Insurance Solutions Ltd., in any jurisdiction where such an offer or solicitation would be unlawful or in which TFG Global Insurance Solutions Ltd. is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services
  14. The information upon which the quotes are based is obtained from reliable sources, however, the rates produced correlate with the personal data you provide (ages of applicant, dependents, etc.). In addition the rates charged by insurance carriers may change, although we are as diligent as possible when it comes to keeping our rate tables up to date it is possible that you receive a quote that is not completely accurate.
  15. Medical advice disclaimer – Please note that this web site provides services, information, content and/or data (collectively, “Information”) contained therein for informational purposes only. This site does not provide any medical advice on the Site, and the Information should not be so construed or used. We provide general tips in our site blog or resource page only for informational and suggestive purposes only. If you are accessing this site, using, accessing and/or browsing the web site and/or providing personal or medical information to our firm, this doesn’t  create a physician-patient relationship between you and the our firm. Nothing contained in the Site is intended to create a physician-patient relationship, to replace the services of a licensed, trained physician or health professional or to be a substitute for medical advice of a physician or trained health professional licensed in your state. You should not rely on anything contained in the Site, and you should consult a physician licensed in all matters relating to your medical health. Finally, you hereby agree that you will NOT make any health or medical related decision based in whole or in part on anything contained in this web site or any sites that are connected to this web site. We encourage you to consult your medical doctor.
  16. The names and logos of all other insurance carriers are the (registered) trademarks of their respective owners.
  17. Note: The policies we offer are not available via TFG Global Insurance Solutions Ltd. or its related web sites to citizens currently residing in the USA. If you purchase from the USA, you do so without our consent.
  18. The plans we offer are not available to clients with a policy address in the UAE.