The product pricing and details of this coverage and any other coverage on this website may vary and/or change as per the underwriting insurance companies discretion and are not guaranteed. First Rate Insurance Inc. only represents the said underwriting insurance companies coverage(s) and in no way is responsible for the actions or errors that may occur from such said underwriting insurance companies. Further, the product pricing and information supplied is not intended to nor should be understood to make any recommendations as to the suitability of any and all products shown in this website. We strive to maintain the accuracy with all the information provided on this website; but we can not and do not guarantee the validity or accuracy of any of the information provided or displayed. Recommended plans are underwritten by Industrial Alliance and Lloyd's Underwriters and administered by TUGO a registered trademark and is administered by North American Air Travel Insurance Agents Ltd under Licence #LIC-9002198C111910R2.