Terms of Service

1. Who We Are

WhiskerCover.com is owned and operated by:

WhiskerCover LLC
A Florida limited liability company
Florida agency license: 2105 - Licensed Insurance Agency, License # L134842
Licensed insurance agency in 17 states — NPN 22114366 · see all state licenses
1065 SW 8th St, #1235
Miami, FL 33130, USA

For general questions about these Terms, you can contact us at:
Email: support@whiskercover.com

For privacy-specific questions, please refer to our Privacy Policy or email privacy@whiskercover.com.

2. Eligibility & Use of the Site

You may use the Site only if:

• You are at least 18 years old, and
• You have the legal capacity to enter into a binding contract.

By using the Site, you represent and warrant that you meet these requirements. You agree to use the Site only for lawful purposes and in accordance with these Terms.

3. What WhiskerCover Is (and Is Not)

WhiskerCover does two things:

• We publish articles, guides, reviews, and comparisons about pet insurance. That content is provided for general informational and educational purposes only.
• As a licensed insurance agency, we operate the Quote Tool, where you can get quotes from participating insurers, compare plan benefits, and apply for a pet insurance policy.

WhiskerCover LLC is a licensed property & casualty insurance agency in 17 states (NPN 22114366). Its resident state is Florida, where it holds a 2105 — Licensed Insurance Agency license (License # L134842); it holds non-resident licenses in 16 additional states. Founder Alexey Dantsev is a licensed property & casualty insurance producer in the same 17 states (NPN 22083543; Florida 0220 — General Lines Insurance Agent, License # G301587). See the full state-by-state list on our Licensing page.

What we are not:

• We are not an insurance company. We do not underwrite or issue insurance policies, decide eligibility, set premiums, or pay claims. Those decisions belong to the insurer.
• We are not a veterinary clinic and do not provide medical diagnoses or treatment.
• We are not your financial advisor or attorney.

Our articles are general information rather than individualized insurance advice, and reading them does not create an insurance producer-client relationship. When you use the Quote Tool, we act as a licensed insurance producer for the limited purpose of presenting quotes and submitting the application you ask us to submit, as described in Section 5.

Any decisions you make about pet insurance, veterinary care, finances, or legal matters should be made after reviewing the specific policy terms and conditions of the product you are considering and, where appropriate, in consultation with qualified professionals (such as a veterinarian, financial advisor, or attorney). You are solely responsible for your use of any information obtained from the Site.

4. How We Are Paid

We do not charge you any fee for using the Site or the Quote Tool. We are paid by insurers and partners:

• Insurance commissions. If you apply through the Quote Tool and the insurer issues a policy, the insurer pays WhiskerCover a commission, typically a percentage of the premium, which may continue for as long as the policy remains in force, including renewals. The commission is paid by the insurer and is not added to your premium as a separate charge.
• Commissions vary. The compensation we receive may vary depending on a number of factors, including the insurer and the policy you select and, in some cases, the volume or profitability of the business we place with an insurer.
• You may ask. You may obtain information about the compensation we expect to receive from the sale of a policy, and from any alternative quotes we presented to you, by emailing support@whiskercover.com.
• Affiliate links. Some links in our articles are affiliate links. If you click one and purchase a product or service on the third party's website, we may receive a commission or referral fee from that third party.

See How We Make Money for a plain-English explanation and the rules that keep compensation separate from our recommendations.

5. Quotes, Comparisons, and Applications

5.1 Our role

When you use the Quote Tool, WhiskerCover acts as a licensed insurance agency working with the insurers whose plans are shown. We present quotes and plan information, and, at your direction, transmit your application and payment details to the insurer you choose (or to its administrator, payment gateway, or payment processor). The Quote Tool shows plans only from insurers we have an agreement with; it does not show every insurer or every plan available in the market.

5.2 Where insurance is offered

Insurance is offered through the Site only to residents of U.S. states in which WhiskerCover LLC is licensed and the relevant insurer's product is available. Nothing on the Site is an offer or solicitation of insurance in any state where we are not licensed. Plan availability, benefits, and prices vary by state.

5.3 Quotes are estimates until the insurer issues a policy

• Quotes are generated from the information you enter and from rates and rules supplied by the insurer. A quote is not a contract, a binder, or a guarantee of coverage or price.
• The insurer may change or withdraw a quote, ask for more information, or decline an application, including where the information you gave was incomplete or inaccurate or the insurer's rates or eligibility rules change.
• Coverage begins only when the insurer accepts your application and issues a policy, on the effective date stated in your policy documents. Submitting an application or receiving a confirmation from WhiskerCover does not by itself mean you are insured. Waiting periods set by the policy apply after the effective date.

5.4 Your policy documents control

Plan summaries, comparison tables, scores, claim examples, and other descriptions on the Site are simplified to help you compare plans. They do not change or extend any policy. Your coverage is defined solely by the policy, declarations page, and endorsements issued by the insurer. If anything on the Site differs from your policy documents, the policy documents govern. Review them when you receive them; most pet insurance policies give you a period after purchase in which you can cancel for a refund if you have not filed a claim, as described in the policy and required by your state.

5.5 Information you provide

You agree to provide information that is true, accurate, current, and complete, about yourself and your pet, and to apply only for your own pet or with the authority of the pet's owner. Inaccurate or incomplete information, including about your pet's age, breed, or health history, may lead the insurer to change your premium, deny a claim, or cancel or rescind the policy. Knowingly providing false information on an insurance application may be insurance fraud, which is a crime in many states.

5.6 Payments

Premiums are owed to the insurer, not to WhiskerCover. When you enter payment details in the Quote Tool you authorize us to transmit them, through our servers, to the payment gateway, the insurer, or the insurer's payment processor, and you authorize the insurer to charge the payment schedule you selected. We do not store your card number or security code. Billing, refunds, cancellations, and changes to your payment method are handled by the insurer under the terms of your policy. For some insurers you may be directed to the insurer's own website to complete the application or payment; that website is governed by the insurer's terms and privacy policy.

5.7 Electronic communications and signatures

When you apply through the Quote Tool, we ask you to consent to transact electronically: to receive quotes, disclosures, application confirmations, and policy-related notices from us and from the insurer by email or through the Site, and to sign by checking a box, clicking a button, or a similar electronic action, which has the same legal effect as a handwritten signature. This consent covers the application you are submitting and the records related to it. You need a device with internet access, a current web browser, a working email address, and the ability to open and save or print the documents you are sent. You may withdraw this consent, ask for a paper copy, or update your email address by emailing support@whiskercover.com. We do not charge for paper copies of records we provide; the insurer's own terms govern its documents. Withdrawing consent may prevent you from completing an application online.

5.8 After you buy

Once a policy is issued, your contract is with the insurer. Claims, coverage questions, policy changes, renewals, and cancellations are handled by the insurer under your policy. We are glad to help you find the right contact, but we do not decide or pay claims.

6. Intellectual Property

All content on the Site, including but not limited to text, articles, graphics, logos, icons, images, and design (collectively, the "Content"), is owned by or licensed to WhiskerCover and is protected by copyright, trademark, and other intellectual property laws.

You may:

• View, print, and download a reasonable number of copies of the Content for your personal, non-commercial use only, provided that you do not remove or alter any copyright, trademark, or other proprietary notices.

You may not, without prior written permission from WhiskerCover:

• Copy, reproduce, distribute, modify, adapt, translate, create derivative works from, publicly display, publicly perform, republish, or transmit any part of the Site or Content for any commercial purpose;
• Use any data-mining, robots, or similar data-gathering or extraction methods on the Site.

All trademarks, logos, and service marks displayed on the Site are the property of WhiskerCover or other third parties. You are not granted any license or right to use any of them without the prior written permission of the applicable owner.

7. User Content & Communications

If the Site allows you to submit content (for example, comments, reviews, or messages) ("User Content"), then:

• You are solely responsible for your User Content and for ensuring it does not violate any law or the rights of any third party.
• By submitting User Content, you grant WhiskerCover a non-exclusive, worldwide, royalty-free license to use, reproduce, display, modify, and distribute such content for the purpose of operating and improving the Site.

You agree not to submit any User Content that:

• Is unlawful, fraudulent, defamatory, harassing, obscene, hateful, or otherwise objectionable;
• Infringes any intellectual property, privacy, or other rights of any person;
• Contains advertising or solicitations unrelated to the purpose of the Site;
• Contains viruses, malware, or other harmful code.

We reserve the right (but have no obligation) to review, edit, or remove any User Content, in our sole discretion.

8. Acceptable Use

You agree that you will not:

• Use the Site in any way that violates any applicable law or regulation;
• Attempt to gain unauthorized access to any part of the Site, other systems, or networks;
• Use the Site to transmit spam, chain letters, or other unsolicited communications;
• Interfere with or disrupt the operation of the Site (for example, via denial-of-service attacks, network flooding, or other technical disruptions);
• Use any automated means (including bots, scrapers, or spiders) to access the Site for any purpose without our express written permission;
• Use the Quote Tool to request quotes or submit applications using false information or another person's identity or payment method, or to collect insurer rates or plan data for a commercial purpose.

We may suspend or terminate your access to the Site if we believe you have violated these Terms or engaged in any harmful or abusive behavior.

9. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by WhiskerCover.

We are not responsible for the content, privacy policies, or practices of any third-party websites, products, or services. Your use of third-party sites is at your own risk and subject to the terms and conditions of those sites.

10. Disclaimer of Warranties

The Site and all Content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, WhiskerCover disclaims all warranties, express or implied, including but not limited to:

• Warranties of merchantability,
• Fitness for a particular purpose,
• Non-infringement, and
• Any warranties arising out of course of dealing or usage of trade.

We do not warrant that:

• The Site or Content will be accurate, complete, reliable, current, or error-free;
• Any quote will be honored by the insurer, or that any application will be accepted;
• The Site will be uninterrupted, secure, or free from viruses or other harmful components;
• Any defects will be corrected.

Your use of the Site is at your sole risk.

11. Limitation of Liability

To the maximum extent permitted by applicable law, WhiskerCover LLC and its members, managers, employees, contractors, and affiliates shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages, or
• Loss of profits, revenues, data, or goodwill,

arising out of or in connection with:

• Your access to or use of (or inability to access or use) the Site,
• Any Content on the Site,
• Any quote, plan comparison, or application made through the Quote Tool, or any act, omission, or coverage, underwriting, billing, or claims decision of an insurer, or
• Any third-party websites or services linked to from the Site,

whether based on warranty, contract, tort (including negligence), or any other legal theory, even if we have been advised of the possibility of such damages.

To the extent any liability cannot be excluded, our total aggregate liability arising out of or relating to the Site or these Terms shall not exceed one hundred U.S. dollars (US $100).

Nothing in these Terms limits any duty or liability we have under applicable insurance laws that cannot lawfully be limited, or any rights you have against an insurer under your policy.

12. Indemnification

You agree to indemnify, defend, and hold harmless WhiskerCover LLC and its members, managers, employees, contractors, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

• Your access to or use of the Site,
• Your violation of these Terms, or
• Your violation of any rights of another person or entity.

This Section does not apply to the extent a claim results from our own negligence, errors, or misconduct.

13. Governing Law & Jurisdiction

These Terms and your use of the Site are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

You agree that any legal action or proceeding arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you hereby consent to the personal jurisdiction and venue of those courts.

14. Changes to These Terms

We may update or modify these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. If changes are material, we may provide additional notice (for example, by posting a notification on the Site). Your continued use of the Site after the updated Terms are posted constitutes your acceptance of the revised Terms.

If you do not agree to the revised Terms, you must stop using the Site.

15. Termination

We reserve the right, in our sole discretion and without notice, to:

• Modify, suspend, or discontinue the Site (or any part thereof), and/or
• Restrict, suspend, or terminate your access to the Site,

for any reason or no reason, including if we believe you have violated these Terms or engaged in any harmful or abusive activity.

Sections that by their nature should survive termination (including but not limited to Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law) shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, our Disclaimer & Compensation Disclosure, and any terms you accept when you submit an application through the Quote Tool, constitute the entire agreement between you and WhiskerCover regarding your use of the Site and supersede any prior or contemporaneous agreements, communications, or understandings relating to the Site. They do not replace or modify any insurance policy, which is a separate contract between you and the insurer.

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

17. Contact Us

If you have any questions about these Terms, you can contact us at:

WhiskerCover LLC
Florida agency license: 2105 - Licensed Insurance Agency, License # L134842
Licensed insurance agency in 17 states — NPN 22114366 · see all state licenses
1065 SW 8th St, #1235
Miami, FL 33130, USA
Email: support@whiskercover.com