Reviews, Sales, and Service Ratings for
USI Affinity Travel Insurance Services

Before Trip
I find this question impossible to answer as I don't know nor can I separate who I'm dealing with in ordering the policy--Squaremouth or the carrier? From what I remember being told before & during purchase was that I was dealing with Squaremouth.

During Trip
See my comments below regarding claim service.

Claim Process
I injured myself when 1 of my bags got caught on the escalator & was pulled from my hand & I reached back to grab it so it wouldn't fall on the rider behind me. This was at approx. 6:30am & I had to check-in, go thru security & board my flight. The injury wasn't life threatening so I believed since the occurrence happened during the policy period I could file a claim after I got home. I called the claim number & was told by "Stacy", the "claim rep," because I didn't see a doctor at the time of occurrence I was not covered as the policy says a claim must be filed at the time of the occurrence. However, the next sentence states so long as the occurrence happened during the policy term "there is coverage!" She disputed my interpretation of this last sentence & said the claim would be denied, but I could file it under appeal. She further stated in her experience it would be denied. I told her in my mind the language was clear; her belief I should have sought medical attention at the moment of the injury for something that wasn't life threatening & which would have caused me to miss my flight thereby causing me to file a trip interruption claim in addition was nonsensical. I bought the insurance policy to protect me in the event of a claim, NOT to have to fight with an insurance company who wrote the policy. They were the ones who put the punctuation in the coverage conditions. They chose NOT to state the claim had to occur AND treatment had to be rendered during the policy period. Moreover, an insurance company knows the difference between the use of: "and;" "or;" or a "period" when used in the policy language. In my opinion this claim should have been covered & needless to say I'm not a "happy camper" over this incident!!!

Before Trip
Squaremouth...A great company to do business with. Have recommended there services to others.

During Trip
Prior to trip made one call for clarification purpose, received excellent service,

Claim Process
No claim made

Before Trip
They were very polite and efficient. We really didn't have any more contact with this company since we have not needed a claim.

During Trip
Not applicable

Claim Process
Most of above not applicable. Fortunately we did not need to submit a claim.

During Trip
Had no prolems involving your insurance during our trip

Claim Process
no claim

During Trip
Did not use these services during my trip.

Claim Process
Not applicable.