Compare All Policies for USI Affinity Travel Insurance Services

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.


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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

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Additional Information