Terms & Conditions
Effective Date: March 30, 2025
This website is operated by STI Surf Travel Insurance LLC and STI Surf Travel Insurance Agency LLC (collectively referred to as “STI,” “we,” “our,” or “us”) under various domain names, including www.insure2travel.com, www.surftravelinsurance.com, www.surftravelinsurance.com.au, www.tripinsurancehub.com, and other affiliated marketing or comparison platforms (collectively, the “Site”).
All websites listed above operate under the insurance licenses of STI Surf Travel Insurance LLC (licensed in Florida [G160393] and Hawaii [3003289315]) and STI Surf Travel Insurance Agency LLC (licensed in New York [REN-PC-1899939 / REN-LA-1899939]). These licenses authorize us to distribute and market travel-insurance products through our trusted insurer partners across the United States and internationally.
Access to and use of the Site are conditional upon your acceptance and continued compliance with these Terms and Conditions and our Privacy Policy, which together form a binding agreement between you and STI. By accessing or using any part of the Site, you acknowledge that you have read, understood, and agree to be bound by these terms.
1. Licensing and Regulatory Disclosure
Travel-insurance products displayed or linked through this Site are offered through our licensed U.S. entities:
STI Surf Travel Insurance LLC
Florida Entity Number L22000502294
Licensed in Florida (G160393) and Hawaii (3003289315)
STI Surf Travel Insurance Agency LLC
New York DOS ID 7473181
Licensed in New York (REN-PC-1899939 / REN-LA-1899939)
We operate under these licenses to provide travel-insurance services for U.S. residents, with selected options available for international customers from over 140 countries.
All products are underwritten by our licensed insurer partners (including Generali, IMG, Auras, Cover-More, and nib) and are subject to each insurer’s own terms, conditions, and exclusions.
2. Use of the Site
The information on this Site is for general informational and marketing purposes only. It does not constitute legal, financial, or insurance advice.
When you request a quote or purchase coverage through the Site you acknowledge that:
- The insurance contract is between you and the insurer;
- We are not the insurer and make no representation regarding policy acceptance or claims decisions; and
- You must review each insurer’s documentation for the full terms of cover.
3. You Agree to the Following Conditions When You Access the Site
By accessing or using this Site, you agree that you will not:
- Use the Site or its materials for any unlawful or infringing purpose;
- Attempt to gain unauthorized access to any restricted area;
- Copy, reproduce, or distribute Site materials for commercial use without written consent;
- Transmit viruses, malware, or harmful code;
- Upload or transmit misleading, false, defamatory, or infringing material; or
- Interfere with or disrupt Site operation or security.
You are responsible for ensuring that anything you download is free from viruses or other harmful elements. We may restrict or terminate access to the Site for any user who breaches these conditions.
4. Third-Party Links and Content
This Site may contain links to third-party websites or insurer portals. These links are provided for convenience only and do not constitute endorsement. We are not responsible for the content, accuracy, or data practices of third-party websites. Use of external sites is entirely at your own risk.
5. Internet Reservations and Online Quote Terms
These Terms also apply to users who submit quote requests, bookings, or policy inquiries via online forms or quote widgets (“Online Reservations”).
You acknowledge and agree that:
- Quote accuracy depends on the information you provide;
- Submitting a request does not guarantee coverage or policy issuance; and
- Final confirmation or payment occurs directly with the insurer or its authorized platform.
We do not warrant that Online Reservations will be uninterrupted or error-free, nor that every submission results in a confirmed policy. You assume full responsibility for the accuracy of all information submitted.
To the fullest extent permitted by law, we disclaim all warranties—express or implied—relating to the operation, availability, or functionality of Online Reservations.
6. Intellectual Property
All text, graphics, images, code, and trademarks appearing on the Site are the property of STI Surf Travel Insurance LLC, STI Surf Travel Insurance Agency LLC, or their licensors. You may print or download material for personal, non-commercial use only. Any other use requires prior written authorization.
7. Data and Privacy Compliance
Your use of this Site is also governed by our Privacy Policy. By submitting information, you consent to our data-handling practices.
Cookies may be used to improve functionality and affiliate tracking; they do not store personal or payment data.
We comply with applicable U.S. federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA), the E-SIGN Act, and other consumer-protection laws. By submitting your information electronically, you consent to receive communications, policy documents, and disclosures electronically.
8. Limitation of Liability
To the fullest extent permitted by law, we disclaim all warranties, express or implied, and are not liable for:
- Errors, omissions, or inaccuracies in content;
- Any indirect, incidental, special, or consequential damages;
- Technical failures, interruptions, or data loss; or
- The actions or omissions of insurers, affiliates, or third-party providers.
Your sole remedy for dissatisfaction with the Site is to discontinue its use.
9. Modifications
We may update these Terms at any time without prior notice. Revisions become effective upon posting. Continued use of the Site constitutes acceptance of the updated Terms.
10. Accessibility Statement
We strive to ensure that our websites are accessible to all users, including those who rely on assistive technologies. If you experience accessibility issues, please contact [email protected] so that we can assist or provide alternative access.
11. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of the State of Florida, USA, without regard to conflict-of-law principles. Any dispute arising under or in connection with these Terms shall be brought exclusively in the courts of Pinellas County, Florida, USA.
12. Consumer Assistance and Regulatory Contacts
- Florida Department of Financial Services (DFS) – Division of Consumer Services
Phone: 1-877-693-5236 - Hawaii Department of Commerce and Consumer Affairs (DCCA) – Insurance Division
Phone: (808) 586-2790 - New York Department of Financial Services (DFS) – Consumer Assistance Unit
Phone: 1-800-342-3736
13. Contact Information
STI Surf Travel Insurance LLC
Florida Entity Number: L22000502294
Licensed in Florida (G160393) and Hawaii (3003289315)
STI Surf Travel Insurance Agency LLC
New York DOS ID: 7473181
Licensed in New York (REN-PC-1899939 / REN-LA-1899939)
Email: [email protected]
Phone: +1 727 214 5977
Address: 7901 4th St. N STE 11853, St. Petersburg, FL 33702, USA
We are committed to transparency, compliance, and consumer protection across all our U.S. and international operations.