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Terms of Service

Last Updated: May 2, 2025

These Terms of Use govern your access to and use of our websites and online services. Please read them carefully before using MexicoCovered.com or its affiliated platforms.

Welcome to MexicoCovered.com, a website owned and operated by IronPoint Insurance Services, LLC, a licensed insurance agency headquartered in Irvine, California.

By accessing or using this website, including any content, functionality, or services offered on or through www.mexicocovered.com, www.ironpointinsurance.com, or www.comparisonquote.com (collectively, the “Sites”), you accept and agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree to these Terms, please do not use the Sites.

1. Use of the Sites

You may use these Sites only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Sites in any way that violates any applicable federal, state, or local law or regulation
  • Attempt to interfere with the operation or security of the Sites
  • Access data not intended for you or probe system vulnerabilities
  • Use any automated device or process (including bots, scrapers, or spiders) to monitor or copy content without written permission
  • Impersonate or attempt to impersonate IronPoint Insurance Services, LLC, an employee, another user, or any other person or entity
  • Engage in any activity that could disable, overburden, damage, or impair the Sites
  • Attempt to gain unauthorized access to any portions of the Sites or any systems or networks connected to the Sites

We reserve the right to suspend or terminate your access at our sole discretion if we believe your actions violate these Terms.

2. User Representations and Warranties

By using the Sites, you represent and warrant that:

  • You are at least 18 years of age
  • All information you provide to us is true, accurate, current, and complete
  • You will maintain the accuracy of such information and promptly update as necessary
  • You have the legal capacity to enter into these Terms
  • You will not access the Sites through automated or non-human means, except as specifically permitted
  • You will not use the Sites for any illegal or unauthorized purpose

3. Insurance Services and Disclaimer

We provide access to travel, auto, motorcycle, RV, and home insurance products designed for travelers to Mexico. However:

  • All quotes are non-binding indications only and subject to underwriting review by the issuing carrier
  • Coverage is not effective until a policy has been issued and payment is confirmed
  • We are not liable for inaccuracies in quotes or policy terms provided by third-party carriers
  • Insurance policies obtained through our Sites are subject to the terms, conditions, and exclusions contained in the policy documentation
  • Not all coverage options or discounts may be available in all areas or for all travelers
  • You are responsible for reviewing all policy documents and understanding the coverage provided
  • We do not guarantee the approval of any insurance application or the availability of any particular coverage

Insurance Licensing Notice

IronPoint Insurance Services, LLC is a licensed insurance agency in the states where it conducts business. Insurance products and services are offered only in jurisdictions where IronPoint Insurance Services, LLC, and our partner carriers are properly licensed. Availability of coverage options, features, or discounts may vary by state.

4. Third-Party Platforms

When you click to obtain a quote or purchase a policy, you may be redirected to a third-party platform known as Mexico Insurance Online (MIOL), which is owned and operated by International Insurance Group, Inc. (IIG), an NFP company.

We do not control or assume responsibility for:

  • The accuracy of information on MIOL
  • Their data handling or security practices
  • The outcome of quote requests or policy binding on their systems
  • Any technical issues, downtime, or other problems with their platform

Your use of MIOL is subject to their own terms and privacy policy, which can be found here:

🔗 International Insurance Group, Inc. Privacy Policy

5. Intellectual Property

All content on our Sites—including text, graphics, logos, design elements, and software—is the property of IronPoint Insurance Services, LLC or its licensors and is protected by U.S. and international copyright and trademark laws.

You may not:

  • Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from the Sites without our express written consent
  • Delete or alter any copyright, trademark, or other proprietary rights notices from any content on the Sites
  • Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text

Nothing in these Terms grants you any right, title, or interest in the Sites or its content, nor any intellectual property rights.

6. User Content

If you submit, post, or transmit any content to our Sites (such as through forms, email, or other interactive features), you grant us a non-exclusive, perpetual, transferable, royalty-free, worldwide license to use, store, display, reproduce, modify, and distribute such content for any purpose related to our business.

You represent and warrant that all content you submit:

  • Is accurate and not misleading
  • Does not violate any law or infringe upon the rights of any third party
  • Is not defamatory, obscene, or otherwise objectionable

We have the right (but not the obligation) to monitor, edit, or remove any content submitted to our Sites at our sole discretion.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IRONPOINT INSURANCE SERVICES, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM:

  • The use or inability to use the Sites
  • Any third-party content or platforms
  • Errors or omissions in Sites content or third-party quote systems
  • Unauthorized access to or use of our secure servers or personal information
  • Any interruption or cessation of transmission to or from the Sites
  • Any bugs, viruses, or other harmful code that may be transmitted through the Sites

This includes, but is not limited to, direct, indirect, incidental, consequential, punitive, special, or exemplary damages, including lost profits, lost revenue, lost savings, or other harm, whether based in contract, tort (including negligence), strict liability, or otherwise.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR SITES.

8. Indemnification

You agree to defend, indemnify, and hold harmless IronPoint Insurance Services, LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:

  • Your violation of these Terms
  • Your use of the Sites
  • Any information you provide to us through the Sites
  • Your violation of any rights of another party

9. Disclaimer of Warranties

THE SITES AND ALL CONTENT, FUNCTIONS, AND SERVICES PROVIDED THROUGH THE SITES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

  • THE SITES WILL BE UNINTERRUPTED OR ERROR-FREE
  • DEFECTS WILL BE CORRECTED
  • THE SITES OR THE SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
  • INFORMATION PROVIDED THROUGH THE SITES IS ACCURATE, RELIABLE, OR COMPLETE

10. External Links

The Sites may contain links to third-party websites or resources that are not owned or controlled by IronPoint Insurance Services, LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

You acknowledge and agree that we shall not be responsible or liable for:

  • Any damage or loss caused by or in connection with use of or reliance on any third-party content, goods, or services
  • Any interactions you have with such third-party websites or services

11. Changes to the Terms

We may update these Terms of Use from time to time at our sole discretion. All changes will be posted to this page with an updated revision date. Material changes may also be communicated through a notice on the Sites.

Continued use of the Sites after changes are posted constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for changes.

12. Governing Law and Jurisdiction

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

Any action or proceeding arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of such courts.

13. Dispute Resolution

A. Informal Resolution

If you have any concerns or disputes about the Sites, you agree to first try to resolve the dispute informally by contacting us. We will attempt to resolve the issue promptly.

B. Arbitration

If we cannot resolve a dispute informally, you and IronPoint Insurance Services, LLC agree to resolve any dispute through final and binding arbitration, using the American Arbitration Association’s rules for arbitration of consumer-related disputes and in accordance with the Federal Arbitration Act.

C. Waiver of Class Actions

YOU AND IRONPOINT INSURANCE SERVICES, LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION.

D. Small Claims Court

Either party may bring an individual action in small claims court instead of arbitration.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in court for alleged infringement or misappropriation of intellectual property or confidential information.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and IronPoint Insurance Services, LLC regarding your use of the Sites and supersede all prior and contemporaneous written or oral agreements.

16. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

17. Contact Information

If you have any questions about these Terms or our services, please contact:

IronPoint Insurance Services, LLC
Email: contact@ironpointinsurance.com
Phone: (877) 334-7646
Mail: PO Box 62436, Irvine, CA 92620