USI Affinity Travel Insurance Services

Squaremouth offers 2 policies from USI Affinity Travel Insurance Services. Below, you can compare all 2 policies and review each policy’s certificate.

Provider & Policy
Ruby
Certificate
Diamond
Certificate
Ratings
AM Best Rating Underwritten by Starr Indemnity & Liability Company

AM Best's Rating of A (Excellent)
Effective as of: 12/13/2023

Verify this rating at www.ambest.com
Underwritten by Starr Indemnity & Liability Company

AM Best's Rating of A (Excellent)
Effective as of: 12/13/2023

Verify this rating at www.ambest.com
Zero Complaint Guarantee
This provider complies with Squaremouth's Zero Complaint Guarantee

This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Cancel for Covid-19 Sickness

Included in Trip Cancellation & Interruption

Included in Trip Cancellation & Interruption

Trip Cancellation

100% of the trip cost

100% of the trip cost

Trip Interruption

150% of the trip cost

150% of the trip cost

Hurricane & Weather

Common carrier delay for 48 hours
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Must be purchased before storm is named

Common carrier delay for 48 hours
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Must be purchased before storm is named

Terrorism

Covered for foreign and domestic

Covered for foreign and domestic

Financial Default

Covered after 14 day wait if purchased within 14 days of trip deposit

Covered after 14 day wait if purchased within 14 days of trip deposit

Employment Layoff

Covered
If employed for 3 continuous years

Covered
If employed for 3 continuous years

Cancel For Medical Reasons

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Cancel For Any Reason

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Medical
Medical Coverage for Covid-19

Included in Emergency Medical

Included in Emergency Medical

Emergency Medical

$250,000 per person
Primary coverage

$500,000 per person
Primary coverage

Pre-Existing Condition

Covered if purchased within 14 days of trip deposit

Covered if purchased within 14 days of trip deposit

Evacuation
Medical Evacuation & Repatriation

$500,000 per person

$1,000,000 per person

Loss or Delay
Extension Of Coverage

Coverage can extend up to 7 days
Coverage for medical quarantine included

Coverage can extend up to 7 days
Coverage for medical quarantine included

Travel Delay

$1,000 per person
$150 daily limit
Covered after 6 hour delay

$1,500 per person
$250 daily limit
Covered after 6 hour delay

Baggage Delay

$300 per person
$300 daily limit
Covered after 12 hour delay

$500 per person
$500 daily limit
Covered after 12 hour delay

Baggage & Personal Items Loss

$1,000 per person
$250 per item
$500 specific items limit

$2,500 per person
$300 per item
$500 specific items limit

Missed Connection

$750 per person
Covered after 3 hour delay
Cruise and tour only

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

Accidental Death
24 Hour AD&D

$15,000 per person

$50,000 per person

Flight Only AD&D

No coverage

$10,000 per person

Sports
Sports & Activities

Covered
Limitations apply

Covered
Limitations apply

Sports Fees

Included in Cancellation & Interruption

Included in Cancellation & Interruption

Other Benefits
Rental Car Damage

No coverage

$1,000 policy limit
$100 deductible per policy

Money Back Guarantee

Free look up to 14 days after purchase

Free look up to 14 days after purchase

24 Hour Assistance Service

24 hour assistance provided

24 hour assistance provided