File claims through our online portal or mobile app. Emergency claims can be filed 24/7 via phone.

We accept credit cards, debit cards, bank transfers, and offer auto-pay options with 5% discount.

Policy changes can be made through your online account or by contacting our support team.

Coverage begins after 12-month waiting period. Full medical history disclosure required.

Orthodontic treatment is covered up to $1,500 lifetime maximum for patients under 18.

Yes, with copayments ranging from $10 for generics to $50 for specialty medications.

Covers fire, lightning, windstorms. Flood/earthquake require separate policies.

Jewelry and art require scheduled personal property coverage for full protection.

Business equipment requires additional endorsement to standard policy.

Driving record, vehicle type, location, and coverage levels impact pricing.

Rental coverage available as optional add-on for $1.50/day.

Covers difference between vehicle value and loan balance if totaled.

Yes, for covered reasons including illness, severe weather, or work conflicts.

High-risk activities require additional adventure sports coverage.

Medical expenses covered if diagnosed during trip. Cancellations not covered for pandemic reasons.

Covers third-party injury/property damage claims up to $1M per occurrence.

Essential for businesses handling customer data. Covers breaches and ransomware attacks.

Fiduciary Liability Insurance covers investment management activities and decisions.