Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London
CERTIFICATE EFFECTIVE DATE
Insurance hereunder is effective on the later of:
a. The moment we receive an application and correct premium if the application and payment is made online or by fax;
b. 12:01am U.S. Eastern Time on the date we receive an application and correct premium if the application and payment is made by mail;
c. The moment you depart from your home country; or
d. 12:01am U.S. Eastern Time on the date requested on the application.
CERTIFICATE TERMINATION DATE
Insurance hereunder terminates on the earlier of:
a. 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid;
b. 11:59pm U.S. Eastern Time on the date requested on the application; or
c. The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).
Non-U.S. Citizens who are at least 14 days of age and under age 70 and that are traveling outside of their home countries.