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The services provided by Thalo Assist have specific limitations depending on the type of product purchased. Standard and/or legal limitations and exclusions apply in the country where the Thalo Assist product is issued. Services and products are governed by General Terms and Conditions, which are provided with the purchase of each Thalo Assist product and are available on the website, as well as at Thalo Assist's sales offices and locations, where they can be requested in person, by phone, or by email. Pre-existing conditions are subject to exclusions and limitations. Thalo Assist is not an insurance company but acts as a policyholder for the benefit of its clients. ThaloTravel travel assistance products are 100% underwritten and reinsured by HDI Global Specialty SE and Lloyd's of London.

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