As part of our service, we also strive to explain products and answer questions right here on this website. Still, we must offer a disclaimer for our travel medical insurance and other travel insurance guides. As with any insurance, you must read the insurance company's brochures and policy or certificate before making a purchase. The insurance company's documents explain policy features, benefits, exclusions, limitations, claims handling, and other critical details. If you ever find a conflict between our website's wording and information from the insurance company, the insurance company's documents take precedence and represent your legal contract.