Terms of Use

Last updated October 24, 2026

Acceptance of these terms

These Terms of Use (“Terms”) govern your use of travel-ins-mario.pages.dev (the “Site”), operated by Mario Fumero [Agency or business name, if any] (“we,” “us,” or “our”). By using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

About this Site

This Site is operated by an independent insurance producer to help travelers learn about and request quotes for travel medical insurance plans offered by WorldTrips. This is not the WorldTrips corporate website, and it is not operated by WorldTrips or by any insurer.

Information only, not a policy

• Plan descriptions on this Site are summaries for general information. They are not an insurance contract, an offer of coverage, or a guarantee that any benefit will be paid.
• Coverage, benefits, eligibility, exclusions, and limits are determined only by the policy issued by the insurer. If anything on this Site differs from the policy, the policy controls.
• Plan details, prices, and availability can change without notice and vary by location, age, citizenship, and other factors. We work to keep information current but do not guarantee it is complete or up to date.
• Nothing on this Site is legal, tax, medical, or immigration advice. If a school, visa, or government authority sets insurance requirements, confirm with them that a plan meets those requirements.

Quotes, applications, and purchases

Quote links take you to websites operated by WorldTrips. Applications, payments, policy issuance, member services, and claims are handled by WorldTrips and the insurer under their own terms and policies. We do not accept payments on this Site.

Coverage is not in effect until your application is accepted and a policy is issued by the insurer. Sending a message through this Site, by email, or by phone does not bind, change, or cancel coverage.

Producer licensing and compensation

Mario Fumero is a licensed insurance producer. National Producer Number: [National Producer Number (NPN)]. Resident license: [Resident state and license number]. Licensed in: [Licensed states]. Insurance products are offered only where the producer is licensed and where the product is approved for sale; not all plans are available in all locations.

The producer may receive a commission or other compensation from WorldTrips or the insurer when you buy a policy through this Site. You may ask us about the nature of that compensation at any time.

Contact form and communications

When you contact us, please provide accurate information and do not include sensitive information such as medical history, government ID numbers, or payment details. By submitting the contact form, you agree that we may contact you by email about your inquiry. We will not use your information for unrelated marketing without your separate permission.

Not for emergencies

Do not use this Site, the contact form, or producer email to request emergency help. In a medical emergency, contact local emergency services first. If you have a WorldTrips policy, contact the assistance provider listed on your ID card or policy documents.

Acceptable use

You agree not to:

• use the Site for any unlawful, fraudulent, or misleading purpose;
• submit false information or impersonate another person;
• send spam, malicious code, or automated or bulk submissions;
• copy, scrape, or harvest Site content or data by automated means; or
• attempt to disrupt, overload, or gain unauthorized access to the Site or its systems.

Intellectual property

The Site’s content and design are protected by copyright and other laws. Product names and trademarks belong to their respective owners. See our Copyright Notice for details and permitted uses.

Third-party websites

The Site links to websites we do not operate, including WorldTrips quote, member, and claims pages. We are not responsible for their content, availability, or practices, and your use of them is subject to their own terms and privacy policies.

Disclaimers

The Site is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Site will be uninterrupted, error-free, or free of harmful components.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your use of or reliance on the Site or linked websites. Nothing in these Terms limits any liability that cannot be limited under applicable law, any duty a licensed producer owes you under insurance law, or your rights under an insurance policy.

Governing law

These Terms are governed by the laws of the State of [Governing-law state], without regard to its conflict-of-law rules. Any dispute about the Site will be resolved in the state or federal courts located in that state, unless applicable law requires otherwise.

Changes and general terms

We may update these Terms from time to time. Changes take effect when posted on this page with a new “Last updated” date, and your continued use of the Site means you accept them. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. These Terms, together with our Privacy Policy, are the entire agreement between you and us about the Site.

Contact

Questions about these Terms? Contact Mario Fumero at [Producer email address] or by mail at [Business mailing address].