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Coverage Example

Above is an example of maximum benefits paid to an Insured who experiences a covered trauma and unable to work for 3 months while undergoing recovery care and counseling.  If they regularly earn $60,000 a year ($165 a day), a Trauma Coverage Gold Plan would provide them with $15,000 in financial benefits, $15,000 in recovery benefits, and $5,000 of counseling. View policy details for limitations and exclusions that may affect benefits payable and duration of benefits.

Guaranteed Issue

No Waiting Period

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Guaranteed Issue

No Waiting Period

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Plan Options

BRONZE
$10/month

$5,000
Individual and family counseling

$5,000
Maximum in lost wages*

$5,000
Maximum for expense reimbursement** or lost wages of a family member

$50,000
Accidental death benefit

$50,000
Maximum benefit per policy period

SILVER
$20/month

$5,000
Individual and family counseling

$10,000
Maximum in lost wages*

$10,000
Maximum for expense reimbursement** or lost wages of a family member

$100,000
Accidental death benefit

$100,000
Maximum benefit per policy period

GOLD
$30/month

$5,000
Individual and family counseling

$15,000
Maximum in lost wages*

$15,000
Maximum for expense reimbursement** or lost wages of a family member

$150,000
Accidental death benefit

$150,000
Maximum benefit per policy period

FAMILY
$40/month

$5,000 / Insured
Individual and family counseling

$20,000 / Insured
Maximum in lost wages*

$20,000 / Insured
Maximum for expense reimbursement** or lost wages of a family member

$200,000***
Accidental death benefit

$200,000 / Insured
Maximum benefit per policy period

BRONZE
$10/month

$5,000
Individual and family counseling

$5,000
Maximum in lost wages*

$5,000
Maximum for expense reimbursement** or lost wages of a family member

$50,000
Accidental death benefit

$50,000
Maximum benefit per policy period

GOLD
$30/month

$5,000
Individual and family counseling

$15,000
Maximum in lost wages*

$15,000
Maximum for expense reimbursement** or lost wages of a family member

$150,000
Accidental death benefit

$150,000
Maximum benefit per policy period

SILVER
$20/month

$5,000
Individual and family counseling

$10,000
Maximum in lost wages*

$10,000
Maximum for expense reimbursement** or lost wages of a family member

$100,000
Accidental death benefit

$100,000
Maximum benefit per policy period

FAMILY
$40/month

$5,000 / Insured
Individual and family counseling

$20,000 / Insured
Maximum in lost wages*

$20,000 / Insured
Maximum for expense reimbursement** or lost wages of a family member

$200,000***
Accidental death benefit

$200,000 / Insured
Maximum benefit per policy period

BRONZE
$10/month

$5,000
Individual and family counseling

$5,000
Maximum in lost wages*

$5,000
Maximum for expense reimbursement** or lost wages of a family member

$50,000
Accidental death benefit

$50,000
Maximum benefit per policy period

SILVER
$20/month

$5,000
Individual and family counseling

$10,000
Maximum in lost wages*

$10,000
Maximum for expense reimbursement** or lost wages of a family member

$100,000
Accidental death benefit

$100,000
Maximum benefit per policy period

GOLD
$30/month

$5,000
Individual and family counseling

$15,000
Maximum in lost wages*

$15,000
Maximum for expense reimbursement** or lost wages of a family member

$150,000
Accidental death benefit

$150,000
Maximum benefit per policy period

FAMILY
$40/month

$5,000 / Insured
Individual and family counseling

$20,000 / Insured
Maximum in lost wages*

$20,000 / Insured
Maximum for expense reimbursement** or lost wages of a family member

$200,000***
Accidental death benefit

$200,000 / Insured
Maximum benefit per policy period

Counseling, lost wage, and reimbursement benefits are payable per insured per incident up to the maximum benefit during any one (1) year policy period. Plan pricing shown above assumes 12 Payroll Periods. Individuals with 10 Payroll Periods will pay the same annual rate, but payment will be over 10 Payroll Periods.
*100% of lost wages from all income sources
**Expense reimbursement includes any medical, dental, vision, hearing, pharmaceutical, and addiction to prescribed drugs expenses

***The accidental death benefit for the Family Plan is up to $200,000 ($150,000 for employed Insureds and $25,000 for non-employed Insureds)
This is a summary of insurance coverage and the actual policy will govern in all cases where there is a conflict between this summary and the policy.

Read Plan Brochure

2020 Trauma Coverage Benefit Plan Brochure
This benefit summary book explains covered incidents and plan benefits. Click Here to View.

Watch Informational Video

Watch History of Lloyd's of London

Click Here to Apply

Our story began when a church in our home town was traumatized by an armed gunman. Like most communities, ours came together to help those traumatized and experiencing hardship.

Social safety nets, referral networks, and traditional insurances often fail to provide meaningful trauma recovery, so we developed Trauma Coverage® to help others through uniquely difficult times.

Covered Incidents

At Work

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Accidental Death
  • Infected by Disease
  • Post-traumatic Stress

Everywhere in U.S.A.

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Accidental Death

 

At School

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Accidental Death
  • Infected by Disease
  • Post-traumatic Stress

LEARN MORE

Financial Benefits
Receive 100% of your regular pay while you're unable to work from all income sources due to a trauma without a waiting period to receive benefits.

Families of traumatized students also receive $100 in financial assistance per day while the student is unable to attend school due to a trauma.

Death benefits are also paid in the event of an untimely death from a covered incident.

Recovery Benefits
Reimbursement of your copay and deductible for trauma recovery care: medical, dental, vision, hearing, pharmaceutical, and addiction to pharmaceuticals.

Family members providing at home care receive 100% of their regular pay.

This gives you control over your care providers and the type of care you choose to receive such as elective, reconstructive, or cosmetic surgery.

Counseling Benefits
Trauma counseling is available if you experience a covered incident or witness a violence incident at work or school (Student Plans).

Trauma or bereavement counseling is also provided to immediate family members.

If you don't have a counselor, we can connect you with one in our network.

Trauma Coverage® provides you with emotional and financial resources during your recovery from a traumatic incident or infectious disease. We offer several affordable benefit packages so you can choose one that makes the most sense. Apply today with our simple and secure application.

Trauma Counseling

Therapy re-invented for the way we live. Talk with a Master's level therapist 24/7 via video, phone or text with your coverage.

Recovery Care

Be reimbursed for out of pocket care expenses and 100% of lost wages of a family member providing home care services.

 

Income Security

Receive 100% of your regular pay from all income sources while unable to work due to trauma without wait.

Who We Are

We are the Society for Trauma Education and Empowered Recovery. As the world's leading provider of education and comprehensive trauma recovery, we translate research and trends into actionable solutions that helps individuals, communities and service providers achieve real and lasting positive change.

History

Our story began when a church in our home town was traumatized by an armed gunman. Like most communities, ours came together to help those traumatized and experiencing hardship. Politicians and business leaders held the community in their thoughts and prayers, but soon thereafter it became clear we were on their own. Social safety nets, referral networks, and traditional insurance failed to provide meaningful trauma recovery, leaving families vulnerable to depression, addiction, and financial hardship.

We started by creating the nation's first workplace violence and infectious disease benefit. It has now evolved into Trauma Coverage which helps individuals and families receive comprehensive trauma recovery through affordable insurance underwritten by one of the oldest and best known insurance companies–Lloyd’s of London.

We collect information from a wide range of resources regarding traumatic incidents which allows us to serve as the leading resource for research, position statements, statutes, training curricula, prevention initiatives, and program information. With these resources, we assist coalitions, advocates, and others interested in understanding and eliminating traumatic incidents.

We have an active and diverse Advisory Council that assists and advises staff and ensures a broad national perspective. We also enjoy strong partnerships with trade unions, anti-assault coalitions and allied organizations.

  • Mission
  • Vision
  • Guiding Principles
  • Lloyd's, London History

Our mission is to prevent traumas through education and provide traumatized families financial security, physical recuperation, and emotional well-being.

We envision a less violent world where diversity is celebrated and all people are treated with dignity and respect.

We believe that through collaboration, prevention strategies, and comprehensive trauma recovery, we are making the world safer and healthier.

Philosophy
We understand trauma is an overarching term that includes an array of behaviors, both physical and non-physical, that constitute unwanted or age-inappropriate activity and can impact people of any age, gender, race, religion, ethnicity, identity, etc.

We believe traumas are rooted in power inequities and is connected to other forms of oppression including ableism, adultism, ageism, classism, heterosexism, racism, sexism, the basis of religion, and other constructs that value certain people or groups over others.

We use our national leadership position to promote a greater understanding of traumas and how to prevent them.

Prevention
We believe traumas are preventable. We understand traumas to be a social justice, public health, criminal justice, and human rights issue. We bring the tools, research, and resources of each of these areas of expertise to promote a unified movement.

We believe having open and factual conversations, educating about healthy relationships, engaging and informing bystanders, and similar strategies contribute to positive and sustainable societal changes.

We believe efforts should simultaneously address the needs of those who have been victimized; treat, manage, and successfully reintegrate individuals who offend; and build the capacity of individuals, groups, and communities to prevent traumas before they occur.

Response
We believe it is imperative to improve responses to those who have been victimized by traumas to ensure they are believed, helped, and supported throughout their recovery process.

We recognize survivors are resilient and often find strength at individual, relationship, community, and societal levels following traumas. We understand survivors are unique in how they experience traumas and the outcomes they desire in terms of justice, services, and support.

We promote responses that are informed by the strengths and needs of survivors and that honor their voices, cultures, choices, and priorities. The quality of response to survivors by loved ones, professionals, social systems, the media, and organizations impacts their healing and also signals to other survivors and potential offenders about our societal values and commitment to safety and respect.

Collaboration
We believe communication among advocates, researchers, funders, public health professionals, policymakers, culturally specific community-based programs, offender treatment and management professionals, national partners, and other key players is critical in creating opportunities for positive changes.

We also work with media to better inform the public of their role and responsibility in preventing traumas.

Resources
We believe everyone should have access to information that will allow them to build programs and policies to end traumatic incidents and serve those who have been impacted. We act as a communication hub, connecting people with the information, resources, tools, and expertise needed to effectively address and prevent traumas in all communities.

We are committed to ensuring access to quality resources for all children, teens, young adults, adults, and people in later life. We use traditional and online forms of communication to create communities of support for preventing traumatic incidents.

Research
We believe all efforts to respond to and prevent traumatic incidents must be supported by research. We maintain an extensive library and virtual information bank of current statistics, research, information, speakers, and tools on a wide variety of topics pertaining to traumatic incidents. We assist programs in accessing and contributing to a body of evidence that strengthens our collective efforts.

Mission

Our mission is to prevent traumas through education and provide traumatized families financial security, physical recuperation, and emotional well-being.

Vision

We envision a less violent world where diversity is celebrated and all people are treated with dignity and respect.

Guiding Principles

We believe that through collaboration, prevention strategies, and comprehensive trauma recovery, we are making the world safer and healthier.

Philosophy
We understand trauma is an overarching term that includes an array of behaviors, both physical and non-physical, that constitute unwanted or age-inappropriate activity and can impact people of any age, gender, race, religion, ethnicity, identity, etc.

We believe traumas are rooted in power inequities and is connected to other forms of oppression including ableism, adultism, ageism, classism, heterosexism, racism, sexism, the basis of religion, and other constructs that value certain people or groups over others.

We use our national leadership position to promote a greater understanding of traumas and how to prevent them.

Prevention
We believe traumas are preventable. We understand traumas to be a social justice, public health, criminal justice, and human rights issue. We bring the tools, research, and resources of each of these areas of expertise to promote a unified movement.

We believe having open and factual conversations, educating about healthy relationships, engaging and informing bystanders, and similar strategies contribute to positive and sustainable societal changes.

We believe efforts should simultaneously address the needs of those who have been victimized; treat, manage, and successfully reintegrate individuals who offend; and build the capacity of individuals, groups, and communities to prevent traumas before they occur.

Response
We believe it is imperative to improve responses to those who have been victimized by traumas to ensure they are believed, helped, and supported throughout their recovery process.

We recognize survivors are resilient and often find strength at individual, relationship, community, and societal levels following traumas. We understand survivors are unique in how they experience traumas and the outcomes they desire in terms of justice, services, and support.

We promote responses that are informed by the strengths and needs of survivors and that honor their voices, cultures, choices, and priorities. The quality of response to survivors by loved ones, professionals, social systems, the media, and organizations impacts their healing and also signals to other survivors and potential offenders about our societal values and commitment to safety and respect.

Collaboration
We believe communication among advocates, researchers, funders, public health professionals, policymakers, culturally specific community-based programs, offender treatment and management professionals, national partners, and other key players is critical in creating opportunities for positive changes.

We also work with media to better inform the public of their role and responsibility in preventing traumas.

Resources
We believe everyone should have access to information that will allow them to build programs and policies to end traumatic incidents and serve those who have been impacted. We act as a communication hub, connecting people with the information, resources, tools, and expertise needed to effectively address and prevent traumas in all communities.

We are committed to ensuring access to quality resources for all children, teens, young adults, adults, and people in later life. We use traditional and online forms of communication to create communities of support for preventing traumatic incidents.

Research
We believe all efforts to respond to and prevent traumatic incidents must be supported by research. We maintain an extensive library and virtual information bank of current statistics, research, information, speakers, and tools on a wide variety of topics pertaining to traumatic incidents. We assist programs in accessing and contributing to a body of evidence that strengthens our collective efforts.

Covered Incidents

Aggravated Assault
Coverage is 24 hours a day, 365 days a year for insureds when they sustain a bodily injury from an Aggravated Assault while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

An Aggravated Assault for purposes of coverage is defined as an attack without a weapon when serious injury results or an attack with a weapon involving any injury. Serious injury includes broken bones, lost teeth, internal injuries, loss of consciousness, and any unspecified injury requiring two or more days of hospitalization.

Sexual Assault
Coverage is 24 hours a day, 365 days a year for insureds when they experience a Sexual Assault while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

A Sexual Assault for purposes of coverage is any willful or unlawful use of force by the perpetrator upon an insured that occurs without the explicit consent of the recipient of the unwanted sexual activity. Falling under this definition are: forced sexual intercourse, sodomy, oral penetration or penetration using an object, and rape. This does not include cases involving minor sexual assaults or indecent exposure, exhibitionism, or employee sexual verbal harassment.

Mass shooting
Coverage is 24 hours a day, 365 days a year for insureds when they sustain a bodily injury from a Mass Shooting while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

A Mass Shooting for purposes of coverage is a shooting with 3 or more shooting victims, not including the shooter.

Terrorism
Coverage is 24 hours a day, 365 days a year for insureds when they sustain a bodily injury from a Terrorist Act while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

A Terrorist Act for purposes of coverage is an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).

Bodily injury may be either directly or indirectly caused by, resulting from, or in connection with any of the following; 1) Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not, 2) Terrorist activity, always provided that the insured person(s) are not actively participating in any, or all, of (1) to (2) above, and further provided that neither (1) nor (2) above are the result of the utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined.

Accidental Death
Coverage is for insureds when they suffer an accidental death while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

Contract an Infectious Disease at Work or School
Coverage is for insureds when they 1) accidentally contract an infectious disease while on business for/or on the premises of their employer. The disease must be listed, on the date of the accident, by the Centers for Disease Control and Prevention on the National Notifiable Diseases Surveillance System. Current National Notifiable Diseases are listed here. 2) while at work while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

Traumatized by Witnessing Violence at Work or School
Coverage is for insureds when they 1) witness a aggravated assault or threat of an aggravated assault directed toward persons at work or on duty by 1) persons who enter the workplace to commit a robbery or other crime; or 2) by customers, clients, patients, students, inmates or any others to whom the employer provides a service 3) while at work while in the United States. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

Frequently Asked Questions

What is Trauma Coverage?
Trauma Coverage is a one of a kind insurance program that provides a combination of specialized trauma counseling and financial assistance to help one recover from a traumatic event.

What incidents are covered?
A list of covered incidents can be found by clicking "What's Covered" in the navigation.

What benefits will I receive?
After a covered incident an insured is immediately eligible to receive specialized trauma counseling, 100% of their regular pay from all income sources, reimbursement for any out of pocket medical expenses including medical, vision, dental and pharmaceutical, as well as 100% of the lost wages of a family member providing at-home support, all subject to policy details where limitations and exclusions may affect benefits payable and duration of benefits.

Is there a waiting period to receive benefits?
No. There is no waiting period on any of the benefits provided.

I thought I already had this benefit.
No, this is an additional and unique benefit beyond any provided by your insurance, employer, an Employee Assistance Program (EAP) or Workman’s Compensation.

Is this different from an Employee Assistance Program (EAP)?
Yes, the counselors in this program have all received specialized training in post-traumatic care. The benefit offers customized therapy sessions, and staged to include a diagnosis, a midway update and a final summarizing session.

Can I also receive benefits from workers compensation, my employer, or as part of a union-employer collective bargaining agreement?
Yes, benefits are in addition to those benefits mentioned above and does not coordinate with other benefits.

Am I required to produce a police report of an assault or incident?
Depending on the nature of the traumatic incident, you will be required to provide either a Workplace Incident Report or a police report as part of your claim for benefits.

How do I find a therapist who is covered by the Trauma Counseling benefit?
If you don’t have a therapist, we will connect you with one that has been identified as high-performing therapists across the U.S. Each is licensed, has earned a Masters’ or higher degree; is trained in post-traumatic incident mental health care and has undergone an extensive background check.

What if I don’t have time to see a counselor?
Because this counseling is facilitated by today’s technology, you have great flexibility in setting up your sessions which can occur 24/7 from anywhere. Of course, sessions must be scheduled at times agreeable to both parties.

What is the rating for the Insurance Carrier?
Lloyd’s of London has an A.M. Best Financial Strength Rating of “A”.

Trauma Coverage was here for these individuals when they truly needed it. The financial benefits and care recovery they received helped them get through their difficult time with peace of mind.

Mary S.

"I was assaulted while out with friends. I went to the hospital and was treated for injuries and tested for diseases. I needed time to deal with everything...it was all just too much."

Trauma coverage provided Mary with 100% of her normal pay on top of what she receives with her disability insurance. She was reimbursed for the out of pocket medical costs, provided Mary with trauma counseling and paid the lost wages to her mother for supportive services.

Ben M.

"I contracted an infectious disease at work. It got so bad that they had to amputate part of my nose and left ear. My workers comp paid for my reconstructive surgery, but didn’t let me choose my doctors or pay for elective cosmetic surgery to help with the scarring."

Ben couldn’t afford the out of pocket costs to see another doctor or for cosmetic surgery, when he was receiving reduced pay from workers compensation and his wife, was on unpaid leave to help take care of him. Trauma coverage provided Ben 100% of his normal pay and reimbursement for the out of pocket medical costs allowing him to choose his doctor and receive cosmetic surgery. It also provided lost wages to Ana for supportive services.

Jim T.

"I was injured injured during a mass shooting at a community festival. I started physical therapy and even talked with counselors in my Employee Assistance Program but became addicted to my pills for pain and anxiety... it was awful."

Jim needed comprehensive trauma recovery care. The reduced pay he received while on disability leave was not enough to cover the costs of confidential addiction treatment. With Trauma Coverage, he received 100% of his normal pay, and reimbursement for the out of pocket costs for comprehensive trauma recovery care including confidential addiction treatment and specialized trauma counseling.

  • Contact Us
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  • Cancel & Refund
  • Terms of Use
  • Privacy Policy

We're here to support you during a difficult time. For questions, or concerns on existing or new claims please call us toll-free at 855-631-1421 or fill out the form below:

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THANK YOU!

Connection charges can vary when calling from outside the area, abroad or from a mobile phone, depending on your specific phone plan.

As one of our guiding principles, we believe it is imperative to respond quickly to those who have been victimized by traumas too ensure they are believed, helped, and supported throughout their recovery process. That process begins here.

Any claims process can often be stressful, but we're here to make sure you're getting the support you need when you need it most. Use the resources below to help guide your understanding of the claims process for any Trauma Coverage® claim.

How Trauma Coverage Works

1

2

3

4

You purchase a coverage plan

You're traumatized by a covered incident

You file a claim with our claims center

You're paid a benefit to help your recovery

Filing a Claim

Check that your incident is covered

This benefit summary book explains covered incidents and plan benefits. Click Here to View. If you're with an affiliated group and looking to submit a claim for an incident not listed, please call 1-855-631-1421.

At Work

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Accidental Death
  • Infected by Disease
  • Post-traumatic Stress

Everywhere in the U.S.

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Accidental Death

In School

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Accidental Death
  • Infected by Disease
  • Post-traumatic Stress

Have the information you need to file

In order to approve any claim submitted, we'll need a few things. Please have this information on hand when you file.

  • Name of the insured
  • Policy number
  • Phone number
  • Mailing address
  • The date of the incident
  • A brief description of the reason for the claim

Start a claim

If you are looking to follow up about an existing claim, or have questions please call 1-855-631-1421.

How to Cancel a Policy

Trauma Coverage is a one year insurance policy with payments made on a monthly basis. Coverage may be cancelled by the insured at any time through one of the methods below and shall be effective upon receipt or on such later date as may be specified by insured.

U.S. Mail

Trauma Coverage Administration
c/o International Specialty Insurance
U.S. Coverholder for Lloyd's of London
110 Oakwood Dr., Suite 420
Winston-Salem, NC 27103

Email

admin@traumacoverage.com

Phone

855-631-1421 Monday–Friday from 8 A.M. to 5 P.M. Central (Excluding U.S. Holidays)

Coverage may also be cancelled by Underwriters by giving the insured thirty (30) days notice in writing. Underwriters will only do this for the following valid reasons:

  • Non-Payment of Premium
  • No-cooperation or failure to supply any information or documentation upon Underwriters request

Cancellation by Underwriters shall be without prejudice to any claim originating prior to the effective date of cancellation. In the event of a claim being paid under this Policy, the premium for this Policy shall be deemed to be fully earned.

Calculation of Refunded Amount

In order to calculate the prorated refund amount we will take the total monthly base premium of your plan, divide it by the number of days in the month to determine a daily amount. We will then multiply the daily amount by the number of days after the date of cancellation to generate the prorated amount for the partial month.

Purpose

This website allow users to:

  • Purchase trauma coverage
  • View their policy details
  • Print their certificate of insurance
  • Access additional benefits

The information provided on this website is not a substitute for the advice of a personal physician or other qualified health care professional. Always seek the advice of a physician or other qualified health care professional with any questions regarding medical symptoms or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the Websites.

If you think you or someone you are taking care of has a medical or psychiatric emergency, call 911 or go to the nearest hospital.

Overview

This website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Our store is hosted on Big Commerce. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

Section 1: Online Store Terms

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the terms will result in an immediate termination of your services.

Section 2: General Conditions

We reserve the right to refuse service to anyone for any reason at any time.

You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

Section 3: Accuracy, Completeness & Timeliness of Information

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

Section 4: Modifications to the Service and Prices

Prices for our products are subject to change without notice. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

Section 5: Products or Services (if applicable)

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.

We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor's display of any color will be accurate.

We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

Section 6: Accuracy of Billing and Account Information

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors. You agree to provide current, complete and accurate purchase and account information for all purchases made at our store.

You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

For more detail, please review our Cancellation Policy.

Section 7: Optional Tools

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

Section 8: Third-Party Links

Certain content, products and services available via our Service may include materials from third-parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

Section 9: User Comments, Feedback and Other Submissions

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

Section 10: Personal Information

Your submission of personal information through the store is governed by our Privacy Policy.

Section 11: Errors, Inaccuracies and Omissions

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

Section 12: Prohibited Uses

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

Section 13: Disclaimer of Warranties, Limitation of Liability

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you. You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall we, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

Section 14: Indemnification

You agree to indemnify, defend and hold us harmless, as well as, our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

Section 15: Serverability

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

Section 16: Termination

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

Section 17: Entire Agreement 

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

Section 18: Governing Law

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Delaware.

Section 19: Changes to Terms of Service

You can review the most current version of the Terms of Service at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

Section 20: Contact Information

Questions about the Terms of Service, please contact us at: compliance@traumacoverage.com or 855-631-1421

Protecting Your Online Privacy

We are committed to maintaining the security and confidentiality of your personal information. We use procedural, physical, and electronic security methods designed to prevent people who aren't authorized from getting access to your information. This Privacy Policy governs the manner in which collect collect, use, maintain and disclose information collected from users (each, a "User") of the www.traumacoverage.com website ("Site").

Secure Shopping

You can shop at traumacoverage.com with confidence. We have partnered with Authorize.Net, a leading payment gateway since 1996, to accept credit cards and electronic check payments safely and securely for our customers.

The Authorize.Net Payment Gateway manages the complex routing of sensitive customer information through the electronic check and credit card processing networks. See an online payments diagram to see how it works.

The company adheres to strict industry standards for payment processing, including:

  • 128-bit Secure Sockets Layer (SSL) technology for secure Internet Protocol (IP) transactions.
  • Industry leading encryption hardware and software methods and security protocols to protect customer information.
  • Compliance with the Payment Card Industry Data Security Standard (PCI DSS). For additional information regarding the privacy of your sensitive cardholder data, please read the Authorize.Net Privacy Policy
  • Traumacoverage.com is registered with the Authorize.Net Verified Merchant Seal program.

Personal Identification Information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the siteplace an orderfill out a form and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number, credit card information.

Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal Identification Information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web Browser Cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How We Use Collected Information

Trauma Coverage collects and uses Users personal information for the following purposes:

To improve customer service: Your information helps us to more effectively respond to your customer service requests and support needs.

To personalize user experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.

To improve our Site: We continually strive to improve our website offerings based on the information and feedback we receive from you.

To process transactions: We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.

To send periodic emails: The email address Users provide for order processing, will only be used to send them information and updates pertaining to their order. It may also be used to respond to their inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

How We Protect Your Information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

Third-Party Websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website\'s own terms and policies.

Changes to This Privacy Policy

Trauma Coverage has the discretion to update this privacy policy at any time. When we do, revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your Acceptance of These Terms

By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contact Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at: compliance@traumacoverage.com or 855-631-1421

 

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