Expat Insure (US)

Expat Insure (US)

Program Terms

Section 2 — General Terms & Programme Participation

Affiliates must not make any representations or warranties about ExpatInsure's products beyond those contained in Approved Creative or officially published materials.

2.1 Sub-Affiliate & Traffic Source Restrictions

  • Affiliates may not pass, assign, sub-license, or otherwise transfer Expat Insure tracking links, tracking codes, or campaign assets to any third party, Sub-Affiliate network, media buyer, or publisher without prior written approval from Expat Insure Ltd.
  • Affiliates remain fully responsible for all traffic sources, marketing activity, and lead quality generated under their affiliate account, including any activity carried out by approved subcontractors or Sub-Affiliates.
  • Where a Sub-Affiliate arrangement has been approved in writing, the Affiliate must disclose the identity and traffic sources of all Sub-Affiliates upon request. Undisclosed Sub-Affiliate activity is grounds for immediate suspension from the programme, with all pending and unvalidated commissions in the Affiliate's account withheld and voided, and all leads attributable to undisclosed Sub-Affiliate activity rejected and reversed within their Validation Period.
  • Approval of a Sub-Affiliate arrangement may be revoked by ExpatInsure at any time, without notice, if the Sub-Affiliate's traffic quality falls below acceptable standards or violates these Terms.

Section 3 — Commission Structure & Rate Card

 

3.1 Commission Model

ExpatInsure operates a Cost Per Lead (CPL) programme. Commission is paid for each Qualifying Lead submitted — i.e. when a user clicks an Affiliate link and completes a quote request on the ExpatInsure website within the Cookie Window. Commission is not dependent on the lead converting to a policy sale.

3.3 Rejection, Reversal & Withholding Rights

  • ExpatInsure reserves the right to reject, reverse, or withhold commissions at any time during the Validation Period for leads deemed invalid, duplicate, fraudulent, incentivised, incomplete, artificially generated, or otherwise non-genuine, at its sole reasonable discretion.
  • ExpatInsure treats the Validation Period as an active investigation window. Where suspicious activity is identified — through internal review, third-party verification, or partner reporting — affected leads will be reviewed and, where warranted, rejected or reversed before the close of the Validation Period in line with Awin's standard validation framework.
  • Without limiting the above, leads may be rejected or reversed where they involve: low-intent or non-genuine submissions; duplicate or previously registered users; fake, invalid, or disposable contact information; bot-generated or automated submissions; traffic from prohibited sources; incentivised or reward-driven completions; misleading promotional activity; or any violation of Section 4 (Qualifying Lead criteria).
  • Repeated low-quality, suspicious, or anomalous traffic patterns — including abnormal form completion speeds, high bounce rates from affiliate referrals, or submission patterns inconsistent with genuine user behaviour — may result in immediate suspension or removal from the programme.
  • Upon suspension or removal, all pending and unvalidated commissions in the Affiliate's account may be withheld and forfeited where fraudulent or non-compliant activity is identified, irrespective of whether individual leads have been individually flagged.
  • Rejected leads will be flagged in the Awin dashboard with a reason code where possible.

3.4 Renewal Commission

This programme does not pay commission on policy renewals. Commission is payable on first-time Qualifying Leads only.

3.5 What Is Not Commissionable

  • Telephone enquiries or call-back requests not tracked to an Affiliate link
  • Leads submitted via coupon or discount codes
  • Leads from traffic sources not permitted under Section 6
  • Leads subsequently found to contain fraudulent, duplicate, or invalid data
  • Leads where the referring cookie has been stuffed, spoofed, or manipulated
  • Policy renewals by existing customers
  • Leads generated by AI, bot, or automated submission tools
  • Leads from undisclosed Sub-Affiliates
  • Any lead that is not the first Qualifying Lead from a given unique individual (Single Commission Per User rule — see Section 4.3) 
  • Uniqueness may be determined using one or more identifiers including email address, phone number. name, or other technical identifiers. ExpatInsure is not restricted to email address alone in identifying a unique individual.

Section 4 — Lead Definition & Qualification Criteria

4.1 Definition of a Qualifying Lead

A Qualifying Lead is counted when ALL of the following conditions are met:

  • The user clicks an approved Affiliate tracking link on the Affiliate's media property.
  • The user completes all mandatory fields on the ExpatInsure quote form, including: full name, valid and verifiable email address, destination country, nationality, date of birth, and intended coverage start date.
  • The user provides contact information that is valid, non-disposable, and not previously registered in ExpatInsure's system within the preceding 12 months.
  • The user demonstrates genuine intent to obtain international health insurance by progressing to the ExpatInsure rate table or quote confirmation stage. Form submission alone, without reaching the rate table, does not constitute a Qualifying Lead.
  • The submission originates from a permitted traffic source under Section 6 and is not generated by an AI, bot, automated tool, or incentivised mechanism.

4.2 Lead Exclusions — Non-Qualifying Submissions

The following submissions are expressly excluded from commission entitlement, regardless of whether they complete the quote form:

  • Duplicate submissions: any user whose email address has been registered within the preceding 12 months, via any affiliate or direct channel.
  • Fake or invalid data: submissions containing clearly false names, non-existent email addresses, disposable/temporary email services (e.g. Mailinator, Guerrilla Mail, Temp Mail), or invalid phone numbers.
  • Bot and automated submissions: any submission identified as bot-generated, scripted, or mechanically completed.
  • Internal test submissions: submissions made by ExpatInsure staff, the Affiliate itself, or any party testing the tracking system.
  • Incentivised submissions: any submission made in response to a reward, payment, competition entry, points incentive, or other inducement to complete the form.
  • Submissions not reaching the rate table: form completions that do not progress to the ExpatInsure rate table or quote confirmation stage.

4.3 Single Commission Per User

ExpatInsure will pay commission once per unique individual. Commission is attributed to the Affiliate whose tracking link drove the user to the ExpatInsure quote form and triggered the Qualifying Lead pixel.

Uniqueness may be determined using one or more identifiers including email address, phone number. name, or other technical identifiers. ExpatInsure is not restricted to email address alone in identifying a unique individual.

4.4 AI & Automated Lead Generation — Prohibition

  • Automated, AI-generated, scripted, bot-driven, or mechanically incentivised lead submissions are strictly prohibited. This includes but is not limited to: use of large language models (LLMs) or AI tools to generate or auto-complete form submissions; browser automation tools (e.g. Selenium, Puppeteer); click farms or human incentivisation at scale; and any scripted or non-human interaction with the ExpatInsure quote form.
  • Any Affiliate found to be generating, facilitating, or benefiting from automated lead submissions will be immediately suspended from the programme. All pending and unvalidated commissions in the Affiliate's account will be voided in full, and any leads identified as AI-generated within their Validation Period will be rejected and reversed.

Section 5 — Cookie Integrity

  • Affiliates must not engage in cookie stuffing, forced clicks, automated cookie generation, iframe-based cookie setting, or any other technique designed to set cookies without a genuine user click.
  • Any Affiliate found to be engaging in cookie manipulation will be immediately suspended from the programme. All pending and unvalidated commissions in the Affiliate's account will be voided, and any leads identified as resulting from cookie manipulation within their Validation Period will be rejected and reversed. ExpatInsure additionally reserves the right to terminate the affiliate relationship and report the activity to Awin.

Section 6 — Search, PPC & Audit Rights

 

4.5 Eligibility & Underwriting Criteria

  • The user must fall within ExpatInsure's eligible customer and underwriting criteria at the time of submission. ExpatInsure's current focus is international health insurance for US citizens relocating or residing abroad.
  • Submissions relating to countries, nationalities, age brackets, residency destinations, or risk categories outside ExpatInsure's underwriting appetite are currently not enabled on the website.
  • Without limiting the above, ExpatInsure does not accept and will reject any submission relating to a customer, nationality, or residency destination subject to applicable international sanctions or trade embargoes, including those administered by the US Office of Foreign Assets Control (OFAC). Comprehensively sanctioned jurisdictions currently include Cuba, Iran, North Korea, and the Crimea, Donetsk and Luhansk regions of Ukraine, among others; this list is illustrative only and applies as amended from time to time under the relevant sanctions regimes.
  • Leads rejected under this clause are non-commissionable, regardless of whether the user completed the quote form and reached the rate table.

6.1 Brand Bidding — Prohibited

  • PPC advertising on Brand Terms is strictly prohibited across all search engines (Google, Bing, Yahoo, DuckDuckGo, and others), unless approved in a separate written Search Agreement.
  • This prohibition applies to exact match, phrase match, and broad match bidding and to any ad copy featuring ExpatInsure's brand name or product names in the ad text.
  • This prohibition applies in all countries, regardless of whether ExpatInsure is actively running paid search campaigns in that market.

6.2 Permitted Search Activity

  • Affiliates may run PPC campaigns on non-brand generic keywords (e.g. 'international health insurance for expats', 'health insurance moving to Portugal') provided the ad and destination comply with all other requirements of these Terms.
  • Permitted paid search activity must direct users to the Affiliate's own website or landing page, not directly to ExpatInsure's domain, without prior written approval.

6.3 Domain Restrictions

  • Affiliates must not register or use domain names that users could reasonably believe are part of ExpatInsure or Expat Insure Ltd.
  • Domains containing 'expatinsure', 'expat-insure', 'expat insure', or similar variations are expressly prohibited.
  • Affiliates must not create websites, microsites, or social media accounts that could be mistaken for an official ExpatInsure property.

6.4 Audit & Traffic Transparency Rights

  • Affiliates must provide reasonable traffic source transparency upon request from ExpatInsure, including the websites, placements, media buying channels, social accounts, newsletters, or campaigns used to promote Expat Insure.
  • Failure to provide requested audit information within the specified timeframe may result in suspension of the Affiliate account and withholding of pending commissions pending investigation.

Section 7 — Content Accuracy

  • All Affiliate content referencing ExpatInsure must be factually accurate and based on Approved Creative or published ExpatInsure materials.
  • Affiliates must not make coverage claims, price claims, or benefit comparisons that cannot be substantiated by ExpatInsure's published materials.
  • ExpatInsure products are personalised. Affiliates must not display indicative prices, premium estimates, or specific coverage limits unless these appear in Approved Creative.
  • Affiliates may reference that Expat Insure plans are commonly used by expats applying for visa and residency programmes in key destinations including Portugal, Spain, Costa Rica, and Mexico. Affiliates must not state or imply that any Expat Insure plan is guaranteed to satisfy visa or residency requirements in any specific country, as requirements vary and are subject to change.
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Section 8 — Publisher Rules & Compliance

8.1 Email Marketing

  • Email affiliates must obtain prior written approval from ExpatInsure before sending any campaign referencing ExpatInsure. Contact the affiliate manager via Awin messaging with the proposed send template and subject line(s).
  • Email campaigns must be sent in the Affiliate's own name and sender domain, not in ExpatInsure's name.
  • Subject lines and email copy must be pre-approved by ExpatInsure for each distinct send.
  • Affiliates must maintain and observe an up-to-date suppression list. Any subscriber who has opted out of marketing must be excluded from all sends.
  • Purchased mailing lists may not be used. All email recipients must have opted in to receive marketing from the Affiliate.

8.2 Prohibited Content

Affiliates must not publish or promote content that:

  • Is false, misleading, or likely to deceive consumers about ExpatInsure's products
  • Makes comparative claims against named competitor insurance products without substantiation
  • Targets vulnerable individuals in a way that exploits their circumstances
  • Contains discriminatory, offensive, or illegal content
  • Violates any third party's intellectual property rights
  • Constitutes unsolicited commercial communication (spam)

Section 9 — Termination & Suspension

9.1 Immediate Termination by ExpatInsure

ExpatInsure reserves the right to terminate an Affiliate's participation with immediate effect, without notice, where:

  • The Affiliate engages in, or has engaged in, any form of fraud, cookie stuffing, prohibited traffic generation, AI/automated lead submissions, or undisclosed Sub-Affiliate activity.
  • The Affiliate has violated the brand bidding restrictions in Section 6.
  • The Affiliate refuses or fails to provide audit information under Section 6.4 within the specified timeframe.
  • The Affiliate's content is found to contain false, misleading, or harmful information about ExpatInsure or its products.
  • The Affiliate fails to comply with applicable regulatory or legal requirements in connection with the Programme.

9.2 Consequences of Termination for Cause

  • Upon termination for cause under Section 9.1, all pending commissions  may be withheld at ExpatInsure's discretion.
  • Where fraud or material breach is identified, ExpatInsure will reject and reverse all affected leads still within the Validation Period, and void all pending and unvalidated commissions in the Affiliate's account in full.
  • The Affiliate must immediately remove all ExpatInsure creative, links, and references from their properties upon termination.