Terms & Legal Notice
Last Updated: August 18, 2026
 
Welcome to American PATH Insurance LLC. By accessing or using americanpathinsurance.com, submitting a request through the website, or using information provided on this site, you agree to the terms and notices below.
 
American PATH Insurance LLC provides insurance-related information and assistance through licensed insurance professionals. American PATH Insurance LLC is not an insurance company and does not underwrite, issue, administer, or guarantee insurance policies. Insurance products, coverage, rates, benefits, eligibility requirements, underwriting decisions, effective dates, and claims decisions are determined by the applicable insurance company and are subject to the terms and conditions of the applicable policy.
 
Information on this website is provided for general informational and educational purposes and to assist consumers who are interested in comparing insurance options. Information appearing on the website should not be interpreted as a guarantee that any particular insurance plan, price, benefit, provider network, physician, prescription drug, treatment, or service will be available or covered. Insurance availability and eligibility vary by state, applicant, product, underwriting requirements, and other applicable factors. Any quote, comparison, estimated premium, savings example, or coverage description is subject to verification and does not constitute a binding offer of insurance.
 
American PATH Insurance LLC does not represent that it offers or compares every insurance plan, insurance company, or coverage option available in a particular market. References to available, personalized, recommended, or comparable options refer to insurance options that may be available through the licensed insurance professional assisting the consumer based upon the information provided and applicable eligibility requirements.
 
Certain health insurance and supplemental insurance products may contain exclusions, limitations, waiting periods, benefit , medical underwriting requirements, or other restrictions. Not every health-related insurance product is an Affordable Care Act Marketplace plan or ACA-compliant major medical coverage. Consumers should carefully review the applicable policy, certificate, benefit schedule, exclusions, limitations, and other official insurance documents before enrolling. If information provided on this website or during a consultation differs from the terms of an issued insurance policy or certificate, the official policy or certificate controls.
 
References to provider networks, PPO networks, hospitals, physicians, pharmacies, or other healthcare providers do not guarantee that a particular provider participates in a particular insurance plan. Provider participation may change, and consumers should verify current network participation through the applicable insurer or network administrator before obtaining services when network participation is important to their coverage decision.
 
American PATH Insurance LLC is a private business and is not affiliated with, operated by, endorsed by, or acting on behalf of the United States government, Healthcare.gov, the federal Health Insurance Marketplace, Medicare, Medicaid, the Centers for Medicare & Medicaid Services, or any state or federal government agency unless expressly stated otherwise.
 
By submitting a quote request, policy review request, or other contact form, you are requesting insurance-related information or assistance and acknowledge that a licensed insurance professional may contact you using the telephone number, email address, or other contact information you provide. Additional communication and consent terms displayed directly with a website form are incorporated into this notice.
 
You are responsible for providing information that is accurate to the best of your knowledge. Quotes, comparisons, recommendations, and eligibility assessments may depend upon the information you provide. American PATH Insurance LLC cannot guarantee approval for coverage, a particular premium, a particular amount of savings, payment of any claim, continued participation of any healthcare provider, or any particular financial or healthcare outcome.
 
Blog posts, FAQs, articles, graphics, comparisons, videos, and other content on this website are provided for general educational purposes only and do not constitute legal, tax, accounting, investment, or medical advice.
 
This website may contain links to websites or resources operated by third parties. American PATH Insurance LLC does not control those websites and is not responsible for their content, availability, accuracy, security, privacy practices, products, or services. The inclusion of a third-party link does not necessarily constitute an endorsement.
 
We make reasonable efforts to keep website information accurate and current; however, insurance products, rates, regulations, eligibility requirements, provider networks, and other information may change. American PATH Insurance LLC does not warrant that all website information will at all times be complete, current, error-free, or continuously available.
 
To the fullest extent permitted by applicable law, American PATH Insurance LLC and its owners, agents, employees, and representatives will not be responsible for indirect, incidental, consequential, special, or similar damages resulting from use of, or inability to use, this website. Nothing in this notice excludes or limits liability where doing so is prohibited by law.
 
Your use of this website is also subject to our Privacy Policy, which explains how information submitted through the website may be collected, used, disclosed, retained, and protected.
 
We may revise these Terms & Legal Notice from time to time. Any updated version will be posted on this page with a revised “Last Updated” date. These terms are governed by applicable federal law and the laws of the State of Florida, except where another jurisdiction's law is required to apply.
 

Questions regarding this website or these terms may be directed to:
 

American PATH Insurance LLC
Stuart, FL 34994
Phone: 585-317-6162
Email: phil@americanpathinsurance.com