Emergency Assistance Plus® (EA+®)

We know the value of planning for the unexpected.

No matter what emergency may strike, we'll always have your back.


Emergency Assistance Plus (EA+)

Get the emergency and medical assistance you need — when you need it.

Welcome to the MooseVIP EA+
Online Validation Center!

Today’s provisional registration was specially authorized as an important privilege for Moose Members who are currently enrolled in MooseVIP coverage.

As a result, you are now entitled to quickly validate an important Moose Member entitlement — the MooseVIP Emergency Assistance Plus (EA+) Program.

It helps you handle almost any crisis while you’re away from home for a few days or weeks at a time (whether you’re on a short trip just a few hours away … traveling on business or with your family … or even out of the country).

That means EA+ helps make sure you’re getting the medical care you need. That you’re getting it QUICKLY. And gets you home to recuperate if necessary.

You’ll also receive 1,000 Moose Rewards Points when you validate your Moose EA+ Status today!

Please review your Member Guide carefully.

Your Personal “Medical Team”…
How EA+ Helps You Handle Emergencies

Why face an emergency alone or waste time searching the internet late at night?

MooseVIP EA+ automatically steps in to help you with more than 20 emergency and medical services … to help you focus on your recovery and NOT on the costs (or even details like lining up second opinions or flying a loved one home). Take a look at everything EA+ does for you:


  • Emergency Medical Monitoring by an EA+ medical expert to make sure you get the best care in a medical emergency.
  • Air Ambulance or Emergency Medical Evacuation if deemed medically necessary to get you to a more appropriate medical facility quickly if your current facility can’t properly treat your medical condition.
  • Medical Specialist Sent to You if your condition can’t be evaluated by phone and you cannot be moved and local treatment is unavailable.
  • Continuous Updates to a designated family member and/or a physician to keep them informed during your medical emergency.

Lock in your EA+ services now


  • Transfer of Insurance Information to Medical Providers to assist with admission and to ensure your medical care is not delayed or denied.
  • Cash Advance for Medical Payments paid directly to the hospital or physician against your valid credit card to keep your medical care going.
  • Prescription Replacement Assistance if your medications are lost or stolen.
  • 24-Hour Doctor/ER/Dentist/Attorney Locator Assistance to help you quickly find a professional no matter where you are in the world.

Validate your MooseVIP EA+ privileges now


  • One Round-Trip Economy-Class Airline Ticket to bring a loved one to your bedside if you’re traveling alone and become hospitalized.
  • Airfare Home for Dependent Children or Grandchildren who are left unattended if you’re unable to care for them due to your hospitalization.
  • Emergency Message Forwarding Assistance if you are unable to reach a family member or traveling companion during an emergency.
  • Pet Care and Return Home Assistance if you’re traveling with a pet and cannot care for them due to an accident or illness.
  • Ticket Home for a Traveling Companion if you are evacuated, transported home, or pass away while away from home.

Confirm your EA+ entitlement now


  • Transportation Home after hospitalization via a one-way airline ticket, arranged and provided by EA+ at no cost to you.
  • Nurse Escort provided if deemed medically necessary to help ensure you get proper medical care during your trip home.
  • Return of Deceased Remains service to bring your body home if you pass away while traveling.
  • Vehicle Return if you can’t drive your vehicle back home because your medical condition prohibits it AND your companion can’t drive it either.

Activate full EA+ services now


  • Destination Intelligence regarding weather, travel, health, inoculations, travel restrictions, and special events.
  • Real-time Security Intelligence in the event you feel threatened by political unrest, social instability, weather conditions, or health hazards.
  • No-Limit Emergency Cash Transfer Assistance (against your valid credit card) if cash, credit cards, or traveler’s checks are lost or stolen.
  • Lost Luggage Assistance helps you track down any lost luggage, personal items, or documents.
  • Document Replacement Assistance if important documents like your passport, driver’s license, or birth certificate are lost or stolen during your trip.
  • Language Interpretation Assistance to connect you with an interpreter over the phone if you’re traveling in a foreign country and require translation assistance for medical emergencies.
  • Assistance Making Flight Arrangements, securing visas, and with other logistics if you decide to leave a threatening situation.

Validate your MooseVIP EA+ status now 

This is only an outline of the plan’s features. Hospitalization is a requirement to be eligible for some services. All services must be arranged and provided by EA+. Please read your Member Guide carefully to understand all the services available to you, as well as any rules and regulations. Click to view a sample of the EA+ Plan details. Washington state residents must be traveling more than 100 miles away from home to be eligible for EA+ services.

Arranged by: MooseVIP EA+ Program
P.O. Box 26860, Phoenix, AZ 85068

You Don’t Risk a Penny Today …
EA+ Iron-Clad 100% Money-Back Guarantee

The MooseVIP wants you to be absolutely sure EA+ is the right safety net for you. That’s why even though you send payment today, there’s NO RISK for you with the EA+ 100% Money-Back Guarantee:

As soon as you validate your EA+ status, you’ll be mailed an official Member Guide. This document details all the critical emergency and medical EA+ services standing by your side. Look it over for a full 30 days.

Then, while you’re fully protected, you can decide whether to keep MooseVIP EA+. If it’s not what you had in mind, just let us know and you’ll promptly receive a full, 100% refund as long as you do not use the services during that time.

That means you can confidently validate your MooseVIP EA+ status today … knowing you won’t be out even one penny if you change your mind. Please close this important gap in your Moose member benefit file now.

After the 30-Day Free Look, Moose Reward Points will be issued to members.

32¢ a day …
Act now to avoid any possible price increase

Can you imagine what you’d pay for on air ambulance on your own? To fly a specialist in to supervise your care? To fly in a loved one and then fly you both back home with you in the care of a nurse escort if deemed medically necessary? Or to have someone drive your stranded vehicle back home … even over thousands of miles?

Now compare those sky-high costs to the bargain rate for MooseVIP EA+:

For less than 32¢ a day … $9.50 a month … just $114 for a full year, you can lock in this solid emergency “safety net.”

And only $30 more covers your family.

Validate your EA+ status now to lock in this low rate

Your Moose member benefits team squeezed rates as low as they could go when setting up MooseVIP EA+. But due to the rising cost of emergency and medical services, these bargain rates may be going up in the future.

But when you take care of this in the next 10 days, we’ll hold your EA+ rates down for an entire year — guaranteed.

It’s just an extra-mile Moose member perk … set up as a special “thank you” reward for acting right away on this Validation Notice.

When a crisis strikes …
How MooseVIP EA+ stands up to real-life emergencies

The true test of any program is how it reacts under fire. And EA+ has already proven to be a life-saver for Moose members. Here are just a few of the real-life emergencies EA+ has handled:

Bad Fall Requires Nurse Escort Home

Every year Bob and Esther winter in Rio Grande Valley, TX. While visiting friends on the way home, Esther took a bad fall. Her injuries were severe: both cheekbones were broken and her left eye socket was shattered. Bob called EA+ after she was stabilized at the hospital, and it was deemed medically necessary by the treating physicians and EA+ medical team, that she should be moved to a facility near their home, where their son worked and would help supervise her recovery.

Because of the extent of her injuries, EA+ provided a nurse escort to go with Bob and Esther all the way to the facility. EA+ arranged ground transportation, wheelchairs, and the nurse watched over Esther the entire flight, monitoring her oxygen levels and medication, and making sure Esther was comfortable. Also, because the EA+ medical team advised Esther’s medical condition warranted extra space on the plane, EA+ also paid for upgraded tickets for Esther and the nurse.

“I don’t know what I would have done without EA+. Everything was so smooth and we were treated wonderfully. It took all the stress out of this situation. The EA+ program … is the best investment I ever made. I recommend it to everyone … all the people I have told about this can’t believe the kind of service I received.”

— Bob and Esther
Lansing, Michigan

Enroll in MooseVIP EA+ now

Road Trip Cut Short Due to Stomach Virus

“Our annual road trip to enjoy springtime in the Appalachians was cut short when my husband was hospitalized for a stomach virus and dehydration.

“Due to the long journey, the treating physician did not recommend that my husband and I drive our van home. Instead, I called the EA+ Coordinators for help. Once my husband was medically cleared to travel, EA+ went into action, making flight arrangements for us to return to Massachusetts.

“While our EA+ services also provided for coordination of vehicle return, we decided that a family friend would drive the van home, so EA+ flew that friend to our van, allowing us to fully focus on my husband’s recovery and not the stress.”

— Beverly Johnson
Boston, Massachusetts

Lock in your EA+ services now

Emergency Brain Surgery Required During Vacation

“When a blood clot was found in my brain while we were vacationing in Michigan, I had to undergo an emergency surgery immediately.

“After the surgery, my wife contacted the EA+ Coordinators for help in returning us home to Texas. Once the treating physician and EA+ doctors determined that I was healthy enough to fly home, EA+ Coordinators made travel arrangements for us. The EA+ Coordinators made sure to make arrangements for our car to be returned to Texas, flying our son in to drive it back.

“We made it back home safely, thanks to the EA+ Coordinators that made everything so easy on us.”

— Andrew Mason
San Antonio, Texas

Set up your EA+ safety net now

Horseback Injury Rules Out Airplane Travel

“Our summer vacation to Wyoming was cut short when I fell off my horse. We were traveling with friends to enjoy the Wyoming summer and some horseback riding. Unfortunately, the fall left me with six broken ribs and a punctured lung.

“My husband called EA+ representatives for assistance in returning us home to Nebraska. After discussing the case with an EA+ Physician, the attending physician advised against air travel with concerns about changes in air pressure and the effect it would have on my injured lung. Having driven up in our friends’ truck, there was no comfortable way to transport me back home. As it was medically necessary, EA+ coordinated ground transportation to get us all the way home safely.

“Thankfully, it was determined that I did not require readmission to a hospital in Nebraska. My husband was able to drive me home safely, leaving our horses with our friends in Wyoming.”

— Jane Smith
Omaha, Nebraska

Other Moose Members Have Asked:
The most common questions about EA+

Q. Why set up my “provisional” registration for EA+?

A. Because it’s the quickest way to get you protected since you already have coverage through the MooseVIP. And with our active lifestyles, we felt it was imperative to activate full EA+ privileges for as many Moose members as possible … as quickly as possible.

Plus, acting right away also helps lock in your Moose member bargain priceEA+ rates are currently as low as they can go. And when you validate your EA+ status in the next 10 days, you’re guaranteed a less-than-32-cents-a-day price for a FULL year.

Validate your EA+ status now

Q. I already have medical insurance. Why lock in MooseVIP EA+, too?

A. EA+ is NOT medical insurance. It’s an important stop-gap between what your medical plan covers … and emergency expenses most health insurance plans usually do not coverEA+ coordinates and provides emergency air or ground ambulance evacuation when medically necessary. It steps forward to help you ensure your medical care can continue while the administrators sort out health insurance details. It provides medical monitoring to oversee your treatment and even helps your loved ones stay “in the loop” with a 24-hour emergency message relay service.

Plus, EA+ goes the extra mile for you by coordinating and providing plane tickets to fly a loved one to your side if you become hospitalized while traveling alone away from home. It also coordinates and provides airfare home for your spouse or unattended children if your trip is cut short by hospitalization due to your medical emergency. It coordinates and provides someone to drive your vehicle home if you and your traveling companion can’t.

Lock in your MooseVIP EA+ services

Q. How do I use EAonce I validate my status?

A. Your official EA+ Identification Card will be mailed to you in your Welcome Packet as soon as you complete your validation. This customized I.D. lists the toll-free hotline dedicated to the MooseVIP EA+ Program. (You’ll want to keep this I.D. in your wallet. Most Moose Members tuck it right next to their medical plan I.D. card.)

Then if you’re suddenly faced with an emergency when you’re traveling away from home (whether you’re on a short trip … traveling on a business trip … or on a vacation), just call the toll-free hotline. EA+ will immediately jump in from there.

Or if you’re planning a trip and want help with visas … inoculations … or assistance lining up proper medical care for a current health condition, just call the toll-free hotline, or the collect number if you are overseas, for valuable pre-trip help.

Q. How does the MooseVIP EAProgram help me earn Moose Rewards Points?

A. Every member is already enrolled in the Moose Rewards Program. And each has an opportunity to participate in the MooseVIP Emergency Assistance Plus Program. When you enroll in EA+, 1,000 points will be awarded to you. You can use these points to: pay member dues, attend conventions or Moose events, and even redeem for merchandise, cash, and gift cards!

To learn more about the Moose Rewards Program, click here.

This is only an outline of the plan’s features. Hospitalization is a requirement to be eligible for some services. All services must be arranged and provided by EA+. Please read your Member Guide carefully to understand all the services available to you, as well as any rules and regulations. Click to view a sample of the EA+ Plan details.


As a Moose Member in good standing, you are unconditionally guaranteed the right to full EA+ services — no matter what your current health … driving record … or future traveling plans.

You (and your family members) cannot be turned down. But you must validate this important Moose privilege in the next 10 days.

Terms Of Use



Information contained in or accessed from this A.G.I.A., Inc. and/or its affiliates website is provided on an “as is” basis. A.G.I.A., Inc. does not warrant the accuracy or completeness of this information, and expressly disclaims liability for errors or omissions in this information. No warranties of any kind are given in connection with this information, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, or freedom from computer virus. In no event will A.G.I.A., Inc. be liable for any direct or indirect, special, incidental, consequential or punitive damages, losses (including lost profits), or expenses arising out of or in connection with use of its website, any failure of performance, interruption, delay in operation or transmission, computer virus, loss of data or otherwise, even if A.G.I.A., Inc. has been advised of the possibility of such damages, losses or expenses.


All information contained in this A.G.I.A., Inc. website, including product and carrier information, policy premiums, terms and product fees, is for informational purposes only and is subject to change at any time without prior notice. Your eligibility for particular products or services is subject to final determination and acceptance by the underwriting company. Complete product information, including terms and conditions of coverage, is provided at the time of application.


The following defined terms are used in these Terms and Conditions:

“Payee” means the merchant or other entity to which you authorize a bill payment to be directed.

“Payee Account” means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.

“Payment Instruction” means your instruction and authorization to make a bill payment to a Payee.

“Payment Account” means the bank account that you authorize A.G.I.A., Inc. and/or its affiliates to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

“Payment Card” means the credit card or debit card that you instruct A.G.I.A., Inc. and/or its affiliates to charge to pay your bill payment.

“Business Day” means Monday through Friday, excluding Federal Reserve holidays.


When you initiate a Payment instruction, you authorize A.G.I.A., Inc. and/or its affiliates to charge your payment card or debit your payment account and remit funds to the Payee. If we are unable to obtain funds for a bill payment for any reason associated with your Payment Card or Payment Account (for example, there is not a sufficient balance available on your Payment Card or in your Payment Account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your Payment Instruction, A.G.I.A., Inc. and/or its affiliates may attempt to contact you, using the telephone number you have provided to A.G.I.A., Inc. and/or its affiliates.

If A.G.I.A., Inc. and/or its affiliates makes a bill payment to your Payee Account but is unable to obtain funds for that payment from your Payment Card or Payment Account, you agree that your bill payment to your Payee Account will be reversed.

You agree that from time to time the Payment services contemplated under this Agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond A.G.I.A., Inc. and/or its affiliates control or which are not reasonably foreseeable to A.G.I.A., Inc. and/or its affiliates.


A.G.I.A., Inc. and/or its affiliates will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, A.G.I.A., Inc. and/or its affiliates shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the A.G.I.A., Inc. and/or its affiliates Bill Payment Service because of the existence of any one or more of the following circumstances:

• Sufficient funds are not available through your Payment Account or your Payment Card;

• Failure of any Payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;

• The A.G.I.A., Inc. and/or its affiliates Bill Payment Service is not working properly and you know or have been advised by A.G.I.A., Inc. and/or its affiliates about the malfunction before you execute the transaction;

• You do not provide A.G.I.A., Inc. and/or its affiliates with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct Payee account information; or

• Circumstances over which A.G.I.A., Inc. and/or its affiliates has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the Internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of God, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.


In the absence of any of the exclusions set forth above, it shall be A.G.I.A., Inc. and/or its affiliates responsibility to correct any transactions not completed in accordance with your Payment Instructions. In the event that A.G.I.A., Inc. and/or its affiliates is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall A.G.I.A., Inc. and/or its affiliates liability to you ever exceed the amount of funds that we receive from your Payment Account or Payment Card for a bill payment. The foregoing shall constitute A.G.I.A., Inc. and/or its affiliates entire liability and your exclusive remedy. The use of this payment service is at your sole risk. In no event shall A.G.I.A., Inc. and/or its affiliates be liable for any other loss, injury, or damages, whether direct, indirect, special, incidental, consequential, or exemplary, including lost profits (even if advised of the possibility thereof) arising in any way out of your use of the bill payment service. Except as otherwise explicitly set forth herein, we specifically disclaim and you understand that we make no warranties or representations of any kind, expressed or implied and the same are hereby excluded from these terms and conditions and all transactions contemplated hereby. Some states prohibit the exclusion or limitation of incidental or consequential damages, thus this limitation of liability may not apply to you.


A.G.I.A., Inc. and/or its affiliates Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) data security standards so that no one can access your Payment Account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using Bill Payment Service. If you permit other persons to use your Bill Payment Service or your bill payment authentication responses or other means to initiate a Payment Instruction on your behalf, you are solely responsible for any transactions they authorize.

If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use your Bill Payment Service without your consent, you must notify A.G.I.A., Inc. at once by calling (800) 424-5181 during normal customer service hours.


Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your Payment Instruction. By submitting your Payment Instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize A.G.I.A., Inc. and/or its affiliates to charge your designated Payment Card or debit your Payment Account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.


These Terms and Conditions shall be governed by the laws of the state of California without regard to that state’s conflicts of laws provisions and by applicable Federal laws and regulations.


No delay or omission by us in exercising any rights or remedies under these Terms and Conditions will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.


  1. By entering this website and agreeing to be bound by this Agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions.

  2. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct insurance transactions in paper format if you wish. By entering this website and agreeing to be bound by this Agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct insurance transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.

  3. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance elections free of charge. Please print a paper copy of your insurance elections for your records because if you will not be able to access your enrollment information on the Site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the A.G.I.A., Inc. and/or its affiliates Endorsed Insurance Program Office of Administration. You understand and agree that requests for change submitted to Carrier or the Site will not be valid or take legal effect after the end of your enrollment.

  4. Once you have given consent for an electronic transaction, you may withdraw your consent only if Carrier has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance will remain effective until your request for cancellation is received by the group policyholder or its representative.

  5. You agree that your electronic signature authorizes The Underwriting Carrier(s) or its authorized representatives:

    1. to process this insurance transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy. For example, we will rely on your electronic signature to authorize us to process your request for insurance coverage(s) and beneficiary designation(s) made during your enrollment.

    2. to process, as applicable:

      1. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or

      2. a billing transaction with your financial institution to deduct the appropriate amount from your account.

    3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.

  6. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.


You represent and warrant to A.G.I.A., Inc. and/or its affiliates that: (a) you over the age of eighteen (18) and have the power and authority to enter into an perform your obligations under this Agreement; (b) all information provided by you to A.G.I.A., Inc. and/or its affiliates is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this Agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.


A.G.I.A., Inc. and/or its affiliates provide information and services on this website, and all layouts, materials, designs, and images on this website are copyrighted or proprietary to A.G.I.A., Inc., its affiliated companies and/or third party service providers. As a condition of your use of this website and the services, you agree that you will not use the contents of this website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.

In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of A.G.I.A., Inc. and/or its affiliates in any way; use the website or services to modify or manipulate the website or services or any of A.G.I.A., Inc. and/or its affiliates hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of Carrier, or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.

You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither Carrier nor A.G.I.A., Inc. and/or its affiliates makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. Carrier and A.G.I.A., Inc. and/or its affiliates periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that Carrier and A.G.I.A., Inc. and/or its affiliates take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that Carrier and A.G.I.A., Inc. and/or its affiliates disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.

You understand and agree that neither Carrier nor A.G.I.A., Inc. and/or its affiliates is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and Carrier and A.G.I.A., Inc. and/or its affiliates do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.

You understand and agree that the information on Carrier’s insurance products as described in this website is not complete and does not change or affect the insurance policies as actually issued. Although you have been provided with a description of benefits, you understand that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.

You understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the group policy issued to your association/policyholder. You acknowledge and agree that if group participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.

You understand that this website and the Payment services contemplated hereunder may be performed by third-party vendors.

If any provision of this Agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.

If you choose not to accept these Terms of Service, you will not be enrolled. You acknowledge that you have read the A.G.I.A., Inc. and/or its affiliates Privacy Policy on the A.G.I.A., Inc. and/or its affiliates website.


Rates quoted online represent the best available rate based on age, gender, state of residence, preliminary health questions and a number of other personal indicators. The rates shown are sample rate quotes, not offers of insurance, and may not be available to all persons, based on the underwriting company’s eligibility requirements. The rates shown are subject to change without notice at any time.


We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this website. By using this website, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.

Privacy Policy

AGIA Privacy Policy

AGIA Affinity (“AGIA”), believes protecting privacy of internet users visiting our website, www.agia.com (the “Site”), is of the utmost importance to ensure your trust in the programs we offer. AGIA’s Privacy Policy will inform you of the ways in which the Site collects personal information, the uses to which that information will be put, and the ways in which AGIA will protect any personal information you choose to provide us. For the purposes of this Policy, personal information that can be used to identify you or your activities on the Site of information about you which you provide to AGIA through services offered on the Site.

In many cases, AGIA will collect personal information on behalf of our commercial clients in accordance to a contract. In these circumstances, we act as a “Service Provider” or “Processor” to our clients under applicable privacy laws and are obligated to process personal information in accordance with clients’ instructions. In any case where AGIA is acting as a Service Provider or processor to our client, if you wish to exercise any of the rights outlined in this Policy, you should direct your request to our client, who is the party responsible for receiving, assessing, and responding to your requests. If a request is submitted directly to AGIA in a scenario where we only process your information in the role of Service Provider or Processor, AGIA may deny your request. If unsure, clarification of AGIA’s role regarding your personal information can be requested at anytime by contacting AGIA directly using the contact information described in this notice.

AGIA’s Privacy Policy applies solely to data collected via the Site. There may be additional personal information that we have or collect about you or your company pursuant to other relationships which is subject to other agreements and rules.

We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. Personally Identifiable Information (“Personal Information”) means any information that could reasonably be used to identify you, including your name, address, birth dates, financial information, telephone number, social media contact information, or any combination of information that could be used to identify you. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the Site.

By accepting this Privacy Policy, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. By consent, you are acknowledging that you have read and understood this Privacy Policy and agree to be bound by it. If you do not agree with the terms of the Privacy Policy, please do not access our website. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our website information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy.

Personal Information We Collect

There is an opportunity on our website for you to voluntarily provide us with personal information for inquiring about AGIA’s business. For example, we will need personal information from you when you submit a question online, or request product information. This information includes your name and e-mail address. We use your voluntarily provided personal information to provide you exceptional service and to create a more meaningful visit for you at this website. You may also choose to apply for a job with AGIA and submit a job application via our career site at https://www.agia.com/careers . Any personal information you send AGIA will be used only for the purpose indicated on the careers site or in this statement.

By providing us with personal information so we may assist you on this website, you are “opting-in” to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated, and you would like not be contacted again, please contact us using the procedures outlined below under “Questions About Your Information” to “opt-out” from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

When you visit this website, we collect and store non-identifying information about your visit. The information we collect may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet Service Provider (ISP) or your Internet Protocol (IP) Address. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and is anonymized to prevent personal identification.

How We Use Your Personal Information

Internal Uses

We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personal information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

  • Cookies: We may utilize website cookies to collect information for the purposes of Site functionality, analytics, advertising, IP addresses only where strictly necessary. A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computer and stored on your computer’s hard drive but cannot read data from your hard drive. Cookies can be used to provide you with relevant content and to make it easier for you to use a website upon a future visit. We may include cookies on our website and use them to recognize you when you return to our website. You may set your browser so that it does not accept cookies; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

  • Web Beacons: Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor’s cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

AGIA Personal Information Processing

Because AGIA offers various insurance and non-insurance products and services, it should be noted that the information below may not be applicable in all circumstances, data elements are dependent on the individual customer relationship.

Personal Information Category


Source Categories

Business Purpose for Collection

Third Parties With Whom we May Share Personal Information

Government-Issued Identifiers

 State ID Card
 Driver’s License

 Directly from you (or a member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Service Providers

Contact Information

 Company or School Name
 Mailing Address
 E-Mail Address
 Telephone Numbers

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Individual Identifiers

 Sexual Orientation
 Marital Status
 Veteran Status
  Physical or Mental Disability

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Other Identifiers

 Policy Number
 Employee/member ID Number

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Service Providers

Financial Information

 Financial Account Numbers
 Credit Card Numbers (Payment Card Data)
 Consumer Reporting Data
 Insurance Account Numbers

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration

 Service Providers

Health Information

 Inferred Data (Health)
 Status of Disability
 Data collected by a Healthcare Provider or Health Insurance Company Subject to HIPAA or CMIA
 Payment Information for Healthcare Services
 Information About a Consumer’s Diagnosis or Treatment for Health Conditions
 Patient records, clinical trial records

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Policy Administration and/or Claims processing
 AGIA services to the client
 Communication with Individuals

 Service Providers

Policy Information

  Any Policy or Documentation or Subsequent Information Submitted to AGIA in Order to Obtain Quotes for a Product or Service

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Employment-Related Information

 Job/Role Titles
 Resume with Work History

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration and/or Claims processing

 Service Providers

Commercial Information

 Service Records
 Personal Property
 Customer Service Records
 Communication Preferences
 Other Preferences

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
 Insurance Carriers, Agents, or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers
  Non-Client Business Partners

Audio, Video, or Other Media

 Customer Service Call Center Recordings

 Directly From You

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Disclosure to Third Parties

This website does not sell or rent any of your personal information to affiliates or unaffiliated third parties. We will not share any of your personal information with third parties except in the circumstances described below or with your permission.

 We disclose personal information with third parties or affiliates that we in good faith believe are appropriate to enable them to provide services to you and to contact you regarding additional products and/or services that you have expressed an interest.

 Cooperation in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the -site’s Terms of Use or the Terms of Service Agreement, or as otherwise required by law. This may also include protecting and defending the rights, property, or safety of AGIA, other users of this Site or responding to claims that any content violates the rights of third parties.

 Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.

 We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

 As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personal information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.

 As otherwise permitted by federal or state law.

Do Not Track

 Some internet browsers offer the user a “Do Not Track” technology.  The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user.  At the current time, this Site does not have the capability of recognizing a “Do Not Track” request.


 The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, request for information on this website). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us.

 We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

 For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites.

 AGIA is not responsible for the content or privacy practices of linked websites or their use. Once you leave the Site using an external link, you should refer to those websites’ privacy policies, terms of use, and practices in order to evaluate how they will handle any information they collect from you.

Questions About Your Information

If you have any questions, concerns, or complaints about this Privacy Policy in general or questions related to your personal information, please contact AGIA customer service at (800) 424-5181, via e-mail at compliance@agia.com, or, if you would prefer to communicate with us by regular mail, please use the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question and when you enroll online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to ensure secure web pages in your browser using SSL, we’ve acquired a security certificate from one of the Internet’s leaders in secure web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

California Consumer Privacy Act and California Privacy Rights Act: Privacy Policy for California Residents

  This section of the Privacy Policy describes the rights of California residents under the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”). The CCPA and CPRA requires that we provide privacy information to California residents and we use this separate section to ensure compliance with the CCPA and CPRA requirements. This section applies solely to natural persons residing in California (“Consumers”), and does not apply to individuals living elsewhere, businesses or other corporate entities.

Sale of Personal Information

  Personal Information is information that identifies, relates to or could reasonably be linked with a particular California resident or household. We do not sell your personal information.  The CCPA and CPRA requires disclosure of this fact.

Your Rights Under the California Consumer Privacy Act and California Privacy Rights Act

Right to Confirm or Access Information

  You may have the right to confirm whether we process certain information or what information we process, and to obtain a copy of that information in a format that allows you to transmit the information to another business without difficulty.

  Once we receive and confirm your identity and verifiable consumer request, we will disclose to you the following at your direction (with various exceptions):

a)  The categories of personal information we collected about you in the last 12 months;

b)  The categories of sources for the personal information we collected about you in the last 12 months;

c)  Our business or commercial purpose for collecting or selling that personal information;

d)  The categories of third parties with whom we share that personal information;

e)  The specific pieces of personal information we collected about you;

f)  If we sold or disclosed your personal information for a business purpose a list of the personal information types that each category of recipient purchased; and

g)  If we disclosed your personal information to a third party for a business purpose, a list of the personal information types that each category of recipient received.

Right to Delete Personal Information

  You have the right to request that AGIA delete any of your personal information we collected from you and retained, with certain exceptions. You will need to submit a valid and verifiable request so AGIA can confirm your identity and/or authorization to make such a request. AGIA will determine if retaining the information is permitted or required under the law. If no retention conditions apply, we will delete your personal information from our records and direct any Service Providers to do the same.

Right to Correct Personal Information

  Taking into consideration the nature of the personal information and the purposes of the processing of your personal information, you may have the right to correct inaccuracies in such information. Upon submission to AGIA of a valid and verifiable request where your identity and authorization can be confirmed, AGIA will use all reasonable efforts to correct the inaccurate information.

Right to Limit Processing of Sensitive Personal Information

  AGIA processes sensitive personal information only as necessary in performance of our services to ensure the security and integrity of your information or as otherwise specified under regulation. Because AGIA does not process your sensitive personal information for other purposes, there is not a mechanism for you to limit the processing of this information.

Right to Opt-Out of Profiling

  AGIA does not engage in automated processing of personal information to make decisions that yield legal or other material consequence. Because we do not engage in this processing, AGIA does not provide a mechanism for you to limit our processing of personal information in this manner.

Right to Opt-Out

  AGIA does not sell your personal information; therefore we do not provide a mechanism for you to limit our processing of personal information in such a manner.

Right to Non-Discrimination

  AGIA will not discriminate against you for exercising any of your rights under the CCPA or CPRA. Examples of discrimination could be charging you inflated rates by imposing penalties or granting discounts or other benefits, denying you goods or services or providing you a different level of quality of goods or services.

  Any acts of discrimination are prohibited by the CCPA and CPRA and AGIA will not engage in them.

Personal Information We Collect, Sources and How We Use It

  In our Privacy Policy, sections titled, “Personal Information We Collect”, “How We Use Your Personal Information”, and “AGIA Personal Information Processing” outline the personal information we collect, its sources and how we use it for all consumers we interact with, including California residents. In effect, it is used to provide and manage products and services we provide and support our everyday operations, including risk management, legal and compliance requirements.

Exercising Your Rights as a California Consumer

  You, or a person authorized by you to act on your behalf, or an entity registered with the California Secretary of State and authorized by you to act on your behalf, can make a request regarding your personal information under the CCPA and CPRA. You may also make a request on behalf of your minor child.

  If you would like to exercise your right to request a copy of your personal information or your right to delete your personal information, please contact AGIA customer service by calling (800) 424-5181, by email at compliance@agia.com, or utilize regular mail by using the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ  85068

Revisions and Notification of Changes

 We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this Site. Any changes AGIA makes to this Privacy Policy become effective immediately when the revised Policy is posted on this Site. By using this Site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers. If we make any changes regarding disclosure of personal information to third parties, we will attempt to contact you prior to the date the modified policy is scheduled to take effect. We will post notice of the new Privacy Policy from the privacy links on our Site. Your use of the Site following such change constitutes your agreement to follow and be bound by the Privacy Policy as changed.


AGIA does not knowingly collect, use or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. Further, if you are sixteen (16) years of age or older, you have the right to direct us to not sell your personal information at any time. However, AGIA will never knowingly sell or share personal information of children if between 13 to 16 years of age or the parent or guardian of a consumer less than 13 years of age. This Site is not intended for children and any instance where such information was collected would be unintentional.