The term "The Co-operators" shall mean The Co-operators Group Limited and any of its related, affiliated and subsidiary corporations including (without limitation) Co-operators General Insurance Company, Co-operators Life Insurance Company, COSECO Insurance Company, H.B. Group Insurance Management Limited, Federated Agencies Limited, Co-operators Financial Services Limited and Sovereign General Insurance Company.

THE MATERIAL AND INFORMATION IN THIS SITE AND IN THE SITES OF OTHER ENTITIES OF THE CO-OPERATORS ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. The Co-operators disclaims all warranties, express or implied, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of The Co-operators is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in respect to your personal situation.

The Co-operators completely disclaims all liability for the use of the information contained on this site by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information. Further, and without limiting the generality of the foregoing, in no event shall The Co-operators be liable for any direct, indirect, special, incidental or consequential damages arising out of the use of the information herein even if it has been advised of the possibility of such damages.

Product Information

Please note that the information generally stated in our website is only a summary of the coverage provided. Our travel insurance policy has terms, conditions, limitations and exclusions. For the complete terms, conditions, limitations and exclusions please see the downloadable pdf file of the policy of the plan you are interested in. You will be able to find this policy on the bottom of each individual plan page on this site.

Copyrights

Unless otherwise noted, the graphic images, button, layout and text contained in this Web site and in sites of other companies of The Co-operators are the exclusive property of The Co-operators and may not be copied or distributed, in whole or in part, without the express written consent of The Co-operators. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.

Hyperlink

The Co-operators cannot guarantee that any Hyperlink set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by a Hyperlink are developed and possibly maintained by persons over whom The Co-operators has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, The Co-operators assumes no responsibility for the content of any sites referenced by any Hyperlink or otherwise.

Data Protection

The Co-operators has the right, but not the obligation, to monitor any transmission made to or for this Web site.

Software Quality

The Co-operators does not warrant that any information, software or other material accessible through one of their Web pages is free of viruses, worms, Trojan horses or other harmful component.

Update of Legal Information

This page is updated and modified from time to time. Every time you access Web pages of The Co-operators make sure that you check this page.

Last updated - September, 2005