USI Affinity Travel Insurance Services Ruby
Zero Complaint Guarantee:
This provider complies with Squaremouth's Zero Complaint Guarantee
Summary of Policy Benefits
Cancellation
- Cancel for Covid-19 Sickness: Included in Trip Cancellation & Interruption
- Trip Cancellation: 100% of the trip cost
- Trip Interruption: 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
- Terrorism: Covered for foreign and domestic
- Financial Default: Covered after 14 day wait if purchased within 14 days of trip deposit
- Employment Layoff: Covered, If employed for 3 continuous years
- Cancel For Medical Reasons: Included in Trip Cancellation and Trip Interruption
- Cancel For Any Reason: Optional coverage, This benefit is separate from Trip Cancellation
Medical
- Medical Coverage for Covid-19: Included in Emergency Medical
- Emergency Medical: $250,000 per person, Primary coverage
- Pre-Existing Condition: Covered if purchased within 14 days of trip deposit
Evacuation
- Medical Evacuation & Repatriation: $500,000 per person
Loss or Delay
- Extension Of Coverage: 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
- Baggage Delay: $300 per person, $300 daily limit, Covered after 12 hour delay
- Baggage & Personal Items Loss: $1,000 per person, $250 per item, $500 specific items limit
- Missed Connection: $750 per person, Covered after 3 hour delay, Cruise and tour only
Accidental Death
- 24 Hour AD&D: $15,000 per person
Sports
- Sports & Activities: Covered, Limitations apply
- Sports Fees: Included in Cancellation & Interruption
Other Benefits
- Money Back Guarantee: Free look up to 14 days after purchase
- 24 Hour Assistance Service: 24 hour assistance provided