Terms and Conditions

Welcome to Visitor Guard (visitorguard.ca), a specialized brand of Life Advice Insurance Inc. By accessing or using our website and services, you agree to be bound by these terms and conditions. Please read them carefully. If you disagree with any part, you must not use our website.

We offer insurance-related information and services. All services are subject to applicable Canadian laws and regulations.

To use our services, you must be of legal age in your province or territory. If you give us information on behalf of someone else, you confirm that you are authorized to do so.

You agree to use the site only for lawful purposes. You must not misuse the website, or try to gain unauthorized access to our systems or to user data.

We work to keep the information on our site accurate, but we do not guarantee that all content is free of errors. Information on this site is general and is not personal insurance, legal or financial advice. We may change or update information at any time without prior notice.

The information you give us must be complete and accurate. Inaccurate or incomplete information can affect your coverage or your claim.

Quotes and example plan details shown on this site are for information only. Your actual coverage, benefits, limits, exclusions and conditions are set out in the policy issued by the insurer, and that policy wording governs. Please read your policy carefully when you receive it.

Your use of our site is also governed by our Privacy Policy, which explains how we collect, use and protect your personal information.

All content on this website, including text, graphics, logos and images, belongs to Life Advice Insurance Inc., Visitor Guard or its content suppliers, and is protected by intellectual property laws. You may not reproduce, distribute or exploit any content without permission.

Our website may contain links to third-party websites. We are not responsible for their content, policies or practices. You access them at your own risk.

To the extent permitted by law, Visitor Guard and Life Advice Insurance Inc. are not liable for damages or losses arising from the use of, or inability to use, our website or services.

We may update these terms at any time. By continuing to use our site after changes are posted, you accept the new terms. Please check this page regularly. The date at the top shows when it was last updated.

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Any disputes will be resolved in the courts of Ontario.

If you have questions about these terms, contact us: