Terms & Conditions
Last Updated: July 1, 2026
Welcome to HIPQuotes.com. These Terms & Conditions govern your access to and use of our website. By accessing or using this website, you agree to comply with these Terms. If you do not agree with any part of these Terms, please discontinue use of this website.
Website Purpose
HIPQuotes.com is an independent insurance lead generation website. We do not provide insurance policies directly and are not an insurance carrier. Our purpose is to connect consumers with licensed insurance agents or insurance providers who may offer Hospital Indemnity insurance and other insurance products.
Submitting your information through our website does not guarantee eligibility, approval, pricing, or coverage.
Eligibility
By using this website, you represent that:
- You are at least 18 years of age.
- You are a resident of the United States.
- The information you provide is accurate and truthful.
- You are submitting your own information or have authorization to do so.
Consent to Contact
By submitting your information through HIPQuotes.com, you expressly consent to be contacted by HIPQuotes.com, licensed insurance agents, insurance agencies, and marketing partners regarding insurance products and services.
You agree that these communications may include:
- Telephone calls
- SMS/MMS text messages
- Emails
- Calls using automated telephone dialing systems
- Artificial or prerecorded voice messages
- AI-generated voice communications
Message and data rates may apply depending on your mobile carrier.
Your consent is not a condition of purchasing any insurance product or service.
You may opt out of future communications by following the instructions provided in the communication or by contacting the sender directly.
No Insurance Advice
The information provided on this website is for general informational purposes only.
Nothing on this website constitutes legal, financial, tax, or insurance advice. Insurance decisions should be made after consulting with a licensed insurance professional.
No Guarantee of Coverage
HIPQuotes.com does not guarantee:
- Insurance eligibility
- Coverage approval
- Premium pricing
- Benefit amounts
- Policy availability
Coverage options vary by insurance company, underwriting guidelines, and state regulations.
User Responsibilities
When using this website, you agree to:
- Provide accurate and complete information.
- Use the website only for lawful purposes.
- Not attempt to interfere with the operation or security of the website.
- Not submit false, misleading, or fraudulent information.
Failure to comply with these requirements may result in denial of services.
Intellectual Property
All content on HIPQuotes.com, including text, graphics, logos, images, design elements, and website functionality, is the property of HIPQuotes.com unless otherwise stated.
No content may be copied, reproduced, distributed, or modified without prior written permission.
Third-Party Services
HIPQuotes.com may share your information with licensed insurance agents, agencies, insurance carriers, and trusted service providers to help facilitate your request.
We are not responsible for the content, services, or privacy practices of third-party websites or businesses.
Disclaimer of Warranties
This website and all information provided are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied.
We make no guarantees regarding the accuracy, completeness, availability, or reliability of the website or any information provided.
Limitation of Liability
To the fullest extent permitted by law, HIPQuotes.com shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this website or reliance on any information provided.
Your use of the website is entirely at your own risk.
Privacy
Your use of this website is also governed by our Privacy Policy. We encourage you to review that policy to understand how we collect, use, and protect your information.
Changes to These Terms
HIPQuotes.com reserves the right to update or modify these Terms & Conditions at any time without prior notice.
Any changes become effective immediately upon being posted on this page. Continued use of the website after changes are posted constitutes your acceptance of the updated Terms.
Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of the United States, without regard to conflict of law principles.
Contact Us
If you have any questions regarding these Terms & Conditions, please contact us through the contact information provided on HIPQuotes.com.