Terms & Conditions

Last updated: July 2026

Please read these Terms & Conditions carefully before using the CoverTrail website. By accessing or using our site, you agree to be bound by these terms.

1. About CoverTrail

CoverTrail is a lead generation and comparison service, not a Life Insurance Company. We do not provide, underwrite, or sell life insurance products. We connect you with licensed Canadian Life Insurance providers who will complete your quote and, where applicable, enter into a contract of insurance with you.

2. Use of the Website

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of others. You must not:

• Provide false or misleading information in any quote request.
• Attempt to gain unauthorised access to any part of the website or its systems.
• Use the site in any way that could damage, disable, or impair its operation.

3. No Insurance Advice

The information provided on this website is for general informational purposes only and does not constitute financial, legal, or insurance advice. Coverage availability, terms, and premiums depend on your individual circumstances and are determined solely by the insurance provider you are matched with.

4. Eligibility

This service is intended for Canadian residents only. By using this site you confirm that you are a resident of Canada and are of legal age in your province or territory.

5. Quote Results

Any indicative quotes or estimates shown on this site are for illustrative purposes only. Final premium rates and policy terms are set by the insurance provider and may differ. CoverTrail makes no guarantee of any particular rate or acceptance of cover.

6. Third-Party Providers

Once your details are passed to an insurance partner, that partner's own terms and privacy policy will apply. CoverTrail is not responsible for the products, services, or conduct of third-party insurance providers.

7. Intellectual Property

All content on this website, including text, graphics, logos, and code, is the property of CoverTrail or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute any content without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, CoverTrail shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein.

9. Changes to These Terms

We reserve the right to update these Terms & Conditions at any time. Continued use of the website after changes are posted constitutes your acceptance of the revised terms.

10. Governing Law

These terms are governed by the laws of Ontario, Canada. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

11. Contact

If you have any questions about these Terms & Conditions, please contact us at info@covertrail.ca.