Terms & Conditions

Our role: Georgian APPA is a technology platform that lets you request, purchase, and manage car and travel medical insurance policies issued by our licensed Georgian insurance partners. We are not the insurer; the insurance contract, its coverage, and its terms are governed by the issuing insurance company and Georgian law.

Accuracy of information: information you provide during checkout (personal details, vehicle details, trip dates) must be accurate and truthful. You are responsible for any delay, rejection, or invalidity of coverage caused by incorrect or incomplete information.

Policy issuance: once payment is confirmed, your policy or certificate is issued by our insurance partner and delivered to you digitally by email, typically within minutes.

Payments: all payments are processed securely online through Stripe. We accept major debit and credit cards. Prices are shown in the currency displayed at checkout before you pay.

Cancellations and changes: you may request to cancel your policy or correct your order details (such as dates, vehicle information, or traveler details) within 24 hours of purchase by contacting our support team by phone, WhatsApp, or email. After 24 hours, cancellations and changes are subject to the standard terms of the issuing insurance company, and we will advise you of the options available.

Support: our support team is available 24/7 by phone, WhatsApp, and email to help with your order, policy questions, or an emergency during your trip.

Limitation of liability: as a technology intermediary, our liability is limited to the accurate processing of your order and timely delivery of your policy. Claims relating to insurance coverage, accidents, or medical events are handled directly by the issuing insurance company under its own policy terms.

Changes to these terms: we may update these terms from time to time. Continued use of the site after changes are published means you accept the updated terms.