USI Affinity Travel Insurance Services

1-855-874-0936

Monday ‑ Friday, 9am ‑ 7pm Eastern Time

quasar@travelinsure.com

Prepare for the Unexpected

Insure your adventure with the Tour Protection Plan – for travelers with Quasar Expeditions.

Trip Cancellation

up to 100% of Trip Cost

Emergency Medical

up to $150,000

Option to upgrade to Cancel For Any Reason coverage if purchased within 14 days of your initial trip deposit.

  Quote & Enroll  

If your trip begins more than 18 months from now, please click here for your travel protection plan option.
Looking for Minimum Evacuation Requirement coverage? Please click here.

Tour Protection Plan Benefits

All coverages are per person, per trip.

Benefits Limits/Maximums
Trip Cancellation 100% of Trip Cost
Cancel for Any Reason (CFAR)

(Optional upgrade for additional cost and when conditions must be met.)
Not available to residents of NY.

 75% of Trip Cost
Trip Interruption 125% of Trip Cost
Travel Delay (6 hrs.) $1,000/trip ($150/day)
Missed Connection (3 hrs.) $750
Airline Ticket Change Fee $200
Baggage/Personal Effects Loss $1,500
($250 per item, $500 maximum for valuables)
Baggage Delay (12 hrs.) $500
Emergency (Primary) Medical Expense $150,000
Emergency Medical Evacuation $250,000
Repatriation of Remains $250,000
Accidental Death & Dismemberment $25,000
Pre-Existing Condition Coverage Included when conditions are met
24-hour Emergency &
Concierge Travel Assistance		 Included

Note: Dollar amounts listed are maximums, and the policy may pay less than this amount, or up to this amount.

The Tour Insurance Protection Plans are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318: TX license number: 93542) with its principal place of business at 399 Park Avenue, 2nd Floor, New York, NY 10022.

This is only a brief description of the coverage(s) available under policy series LT 007 (06/2015). The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts or discrepancies between this document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern. Starr Indemnity & Liability Company has sole financial responsibility over any claims and/or any other financial obligations owed by the insurer. Starr Indemnity & Liability Company (“Starr Indemnity”), a Texas company, has administrative offices at 399 Park Avenue, 2nd Floor, NY, NY 10022. Starr Indemnity is currently authorized to transact business in all states and jurisdictions, as well as the District of Columbia and Puerto Rico. NAIC No. 38318. Please read the policy carefully.

What to Know

  • Insure up to ten travelers per policy.
  • Maximum trip cost is $25,000 per person.
  • There is no age minimum or maximum. Children may travel/be insured alone on the policy.
  • Buy as early as 18 months before the scheduled departure date, or as late as 24 hours prior to trip departure.
    (Buying your plan more than 18 months prior to departure? Check out this plan option.)
  • The plan can be cancelled for a full refund within 14 days of the plan purchase date, provided you have not departed for your trip and have not filed a claim under this policy. Policy is non-refundable after 14 days of purchase.

Download the Policy for your State of Residence

Get full details including definitions, benefits, provisions, and claims procedures.

Download PDF  

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Frequently Asked Questions

You should purchase as soon as possible to be eligible for early purchase advantages:

To be eligible for the Pre-Existing Medical Condition Exclusion Waiver, Bankruptcy/Default and Cancel for Any Reason (CFAR) you must:
  • insure 100% of the pre-paid, nonrefundable travel arrangements you indicate when enrolling in the Plan (air, land and sea trip costs),
  • you must purchase the insurance within 14 days of your initial deposit/payment,
  • and be medically able to travel on the effective date.

No; policies for trips cancelled by the insured are NOT eligible for refunds, except if within the 14-day Free Look period. However, if the tour operator or travel supplier cancels the entire trip for all travelers, and no claim has been filed or will be filed, and the insured has elected not to change their policy trip dates, then the policy may be cancelled with a pro-rated refund of premium.

You should insure ALL pre-paid, non-refundable travel arrangements to ensure you are properly covered for pre-existing conditions, Bankruptcy/Default and Trip Cancellation For Any Reason (if purchased as an optional upgrade and for an additional premium).

You cannot insure arrangements for which you have made no payment (e.g.: frequent-flyer miles, credit vouchers, discount coupons, or certificates).

You can adjust the trip cost by calling the customer service center at 1‑855‑874‑0936. Note: Changes cannot be made within 24 hours of departure. Changes in premium will be adjusted accordingly.

In order to keep your Early Purchase Advantages (Pre-Existing Conditions Exclusion Waiver, Trip Cancellation For Any Reason (CFAR) and Bankruptcy/Default coverage), you must also insure any additional pre-paid trip costs that are subject to cancellation penalties or restrictions for any additional trip arrangements that are made within the specified time period listed in the Policy.

The policy cannot be extended once the trip has started. Any changes in the return date must be made at least 24 hours prior to the scheduled departure date of the trip.

Amending travel dates is permitted by calling the customer service center at 1‑855‑874‑0936. Note: Changes cannot be made if penalties are being enforced. Changes cannot be made within 24 hours of departure.

You may still purchase the Plan up to 24 hours ahead of your scheduled departure date; however, coverage will not include the early purchase advantages.

Friends, family members and/or traveling companions can be insured under the same policy as long as they reside in the same state and have the same travel dates. The policy will be issued to the primary insured listed on the enrollment. For those residing in different states, or have different travel dates, separate plan purchases need to be made.

We cannot remove a traveler after purchase. In the case of adding a traveler we would require a new policy be issued for that traveler.

Travel Companion means person(s) booked to accompany you on your covered trip. Travel Companion does not include a group or tour leader unless you are sharing room accommodations with the group or tour leader. The travelers do not need to be listed on the same policy to be considered travel companions. Friends and family members do not need to be listed on the same policy to be considered travel companions.

Travelers who do not have the same travel dates must purchase separate policies.

Yes, plans are available to residents of all states, including D.C. and Puerto Rico. Note: Plans are not available to residents of U.S. territories and Armed Forces regions.

  • Traveler must be a U.S. Citizen or U.S. Resident.
  • Policies are issued based on state of residence. Travelers residing in different states should have their own policy to ensure they receive proper state specific policy documents.
  • If traveler has two residences, select primary residence where they spend the most time.
  • Travelers must depart from a U.S. location (city/state) and return to a U.S. location (city/state)
  • Policy cannot be purchased after traveler has departed from a U.S. location.
  • Policy cannot be extended after traveler has departed (except as provided in policy under Extended Coverage).

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Yes, for a trip to be considered a “Covered Trip” and eligible for plan coverage, one of the requirements is that the trip must be a minimum of 100 miles from the policy holder’s home to a destination outside of the policy holder’s city of residence.

  • Select country where you will be spending the most time or the first country you are visiting outside the U.S.
  • If taking a cruise, select the first port of arrival as destination.
  • If traveling within U.S. (i.e. layover) and then internationally on the same trip, select the international destination.

Currently, travel to the following countries is excluded from coverage: Belarus, Iran, Israel, North Korea, Palestine, Russia, Sudan, and Ukraine.

Civil unrest is an exclusion in the policy, except in the case of Trip Delay.

Yes. "Pre-existing conditions" means any accidental injury, sickness or condition of you, your traveling companion or your family member booked to travel with you which medical advice, diagnosis, care or treatment was recommended or received within the 60‑day period ending on the effective date. Sickness or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60‑day period ending on the effective date and no medical advice, diagnosis, care or treatment has otherwise been received. (Check specific state disclosure in the policy as this definition may vary where required by law.)

Yes, pregnancy is considered a pre-existing condition. Pregnancy and childbirth is excluded except for complications of pregnancy, if hospitalized.

The Pre-Existing Conditions exclusion is waived if (a) you enroll in this Policy at the time you pay the deposit required for your trip (or within fourteen (14) days of the initial deposit); (b) the booking for the covered trip must be the first and only booking for this travel period and destination; and (c) you are not disabled in a way that prevents you from traveling at the time you pay the premium.

You must also insure, within 14 days, any additional pre-paid trip costs that are subject to cancellation penalties or restrictions for any additional trip arrangements that are made.

Emergency Medical Expenses are only covered while you are on your trip and must be a result of an accidental injury or emergency sickness that first manifested itself during the trip.

The Assistance Company can coordinate payment to a hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure your admission to a hospital during the trip because of accidental injury or emergency sickness.

Age is calculated on the date of purchase of the plan.

The trip deposit date is considered the day the payment is submitted to the travel supplier rather than the date it clears or is cashed. Please note for pre-existing condition waiver, Bankruptcy/Default and Trip Cancellation For Any Reason (CFAR) we begin counting the date of initial deposit as the 1st day towards the time period for eligibility.

In situations where the trip deposit is given to a group leader and the group leader holds all deposits until the minimum number of required passengers is met for the tour, the trip deposit date is the date the group leader gives the deposit to the Tour Operator.

Once a storm is “Named” it is considered a foreseen event. Policies purchased after the date the storm is named will not be eligible for Trip Cancellation claims related to that storm.

Subject to payment of any premium due:

(a) For Trip Cancellation & Optional Trip Cancellation For Any Reason (CFAR): Coverage begins at 12:01 A.M. local time, at your location on the day after the required premium for such coverage is received by us or our administrator as shown in the confirmation of benefits. Coverage ends at the point and time of departure on your scheduled departure date.

(b) For Trip Delay: Coverage is in force while en route to the covered trip from your home and also while en route from the covered trip to your home.

(c) For all other coverages: Coverage begins at the later of the time of your departure on the scheduled departure date; or your actual departure for your covered trip.

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Other Plan Options to Meet
Quasar Expeditions Minimum Evacuation Requirements

Quasar requires participants to be adequately covered by a Medical Evacuation and Health policy that covers air medical evacuation from Galapagos (at least $50,000 USD) as a result of a medical emergency during the expeditions.

Minimum Evacuation & Medical Expense Coverage

For U.S. and International Residents

For those seeking coverage outside their home country – not for travel to the U.S. (This plan does not include Trip Cancellation coverage.)

InterMedical® Plan
Minimum Evacuation Plan (non‑insurance)

For U.S. and Canada Residents

A flexible, specialized air medical transport option. May be purchased in addition to a comprehensive travel insurance plan.

AirMed Plan

Comprehensive Trip Insurance For Non‑U.S. Residents

Contact USI for More Information  

The plan is serviced by:

USI Affinity Travel Insurance Services

3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

1-855-874-0936  ·  quasar@travelinsure.com
CA license #OG11911
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Established in 1973, USI Affinity Travel Insurance Services (TIS) is a national insurance agency/brokerage providing travel-related insurance solutions for individuals, groups, organizations and businesses worldwide.

We are committed to providing excellent service to our customers and partners. All policyholders can be assured that TIS will advocate on their behalf, if necessary, in the event of discrepancies related to claims or coverage. We value and appreciate the trust you place in our team.