Please read these terms carefully before using this website or submitting a quote request.
Last Updated: July 22, 2026 | Effective Date: July 22, 2026
These Terms and Conditions ("Terms") govern your access to and use of the Excessive Care website (the "Site") and any services offered through it. By accessing this Site, submitting a quote request, or clicking any agreement button, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
These Terms constitute a legally binding agreement between you and Excessive Care ("Company," "we," "us," or "our"). If you are using this Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
Excessive Care operates as an insurance marketing organization. This website is designed to:
We do not bind insurance coverage, issue insurance policies, or make coverage determinations. All coverage decisions are made by licensed insurance carriers subject to their individual underwriting guidelines.
Excessive Care is a marketing organization managed by NextGen Technologies, not an insurance company or licensed insurance agent. We facilitate introductions between consumers and licensed insurance professionals. Any insurance product you ultimately purchase will be governed by the terms of the policy issued by the licensed carrier, not by this website.
Coverage availability, benefits, exclusions, limitations, and premiums vary by plan, carrier, and state. Not all products are available in all states. A licensed agent will review your specific situation and applicable state regulations.
By submitting a quote request on this website, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive communications from Excessive Care and its marketing partners, including:
This consent applies even if your telephone number is registered on any state or federal Do Not Call (DNC) registry. Providing consent is not a condition of purchasing any insurance product or service.
Message and data rates may apply. Message frequency varies. You may receive multiple contacts from licensed agents and marketing partners following your submission.
Hospital indemnity and supplemental insurance products described on this website are limited benefit plans and are not major medical insurance. These products:
Benefit amounts shown on this website are for illustrative purposes only. Actual benefits depend on the specific plan selected and applicable coverage terms.
By using this website and submitting a quote request, you represent and warrant that:
All content on this website, including text, graphics, logos, images, and software, is the property of Excessive Care or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written permission.
You are granted a limited, non-exclusive, revocable license to access and use this website for personal, non-commercial purposes only.
THIS WEBSITE AND ALL CONTENT, SERVICES, AND MATERIALS PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, EXCESSIVE CARE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
Information on this website is for general informational purposes only and does not constitute professional insurance, legal, financial, or medical advice.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EXCESSIVE CARE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THIS WEBSITE OR SERVICES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100.00). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless Excessive Care and its officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the website; (b) your violation of these Terms; (c) your violation of any applicable law; or (d) any information you submit through the website.
This website may contain links to third-party websites or services. These links are provided for your convenience only. Excessive Care does not endorse, control, or assume any responsibility for the content, privacy practices, or terms of any third-party sites. Your use of any third-party website is at your own risk and subject to that site's terms and policies.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Excessive Care is registered, without regard to conflict of law provisions.
Any dispute, controversy, or claim arising out of or relating to these Terms or your use of this website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), rather than in court, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction for claims involving intellectual property.
You agree that any arbitration or legal proceeding will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive your right to participate in any class action lawsuit or class-wide arbitration.
We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of this website after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
If you have questions about these Terms & Conditions, please contact us: