What is squaremouth travel insurance

Squaremouth is a travel insurance comparison website that allows travelers to compare and purchase travel insurance policies from a wide range of providers.

Established to simplify the process of finding the best travel insurance coverage, Squaremouth does not sell its own policies but acts as an aggregator, offering plans from various insurance companies.

Key Features of Squaremouth

Wide Selection of Providers: Squaremouth partners with over 30 insurance providers, including well-known names such as AXA Assistance USA, Berkshire Hathaway Travel Protection, and Generali Global Assistance​​. This extensive network ensures that users have access to a broad spectrum of policy options to meet their specific travel needs.

Types of Policies Offered:

Single Trip Policies: Designed for individuals or groups traveling on a one-time trip, covering aspects such as trip cancellation, trip interruption, baggage delay, and emergency medical expenses​ ​.

Annual/Multi-Trip Policies: Ideal for frequent travelers, these policies cover multiple trips within a year. They typically offer the same coverage as single trip policies but may include higher claims limits​ .

Adventure and Sports Policies: These policies cater to travelers engaging in high-risk activities such as skiing, scuba diving, or mountain climbing. They provide additional medical coverage for injuries sustained during such activities​ ​.

Group Policies: Suitable for groups of 10 or more, these policies often come with discounts and provide coverage similar to single trip policies, making them ideal for school trips, business trips, or destination weddings​ ​.

Additional Benefits and Customizations:

Cancel for Any Reason (CFAR): This add-on allows travelers to cancel their trip for reasons not covered under standard trip cancellation policies, typically reimbursing between 50% and 70% of trip costs​ ​.

Pre-Existing Condition Waivers: By purchasing a policy early, travelers can get coverage for pre-existing medical conditions, extending trip cancellation and health benefits to recurrences of conditions diagnosed prior to the trip​ ​.

User-Friendly Platform: Squaremouth’s online platform is designed for ease of use, allowing travelers to obtain quotes, compare policies, and purchase coverage with just a few clicks. The platform also provides detailed information on policy benefits, exclusions, and the financial strength of the insurance providers, helping users make informed decisions​ ​.

Customer Support and Advocacy: Squaremouth offers robust customer support, including a “Zero Complaint Guarantee” which ensures that any claim issues are reviewed and mediated by a licensed claim adjuster. This service is included with every policy purchased through the platform, providing an extra layer of assurance for travelers​ ​.

Financial Strength and Reputation

While Squaremouth itself is not rated by financial strength rating organizations, it ensures that all partnered insurance providers have strong ratings. For instance, Tin Leg, a brand of policies offered through Squaremouth, is underwritten by Berkshire Hathaway Specialty Insurance Company (rated A++ by AM Best) and Starr Indemnity & Liability Company (rated A by AM Best)​ .

Despite its comprehensive offerings and user-friendly interface, Squaremouth has received mixed reviews. It holds a D- rating from the Better Business Bureau (BBB), primarily due to issues related to claim processing, which are often attributed to the insurance providers rather than Squaremouth itself. On Trustpilot, Squaremouth has a 3.5 rating, reflecting both positive feedback on the ease of use and some negative experiences with specific insurance carrier ​.

Conclusion

Squaremouth stands out as a valuable resource for travelers seeking to compare and purchase travel insurance. Its wide range of policy options, ease of use, and additional customer support services make it a popular choice among travelers. However, potential users should be aware of the mixed customer reviews and ensure they thoroughly understand the details of any policy they are considering. For those looking to tailor their travel insurance to specific needs, whether for a single trip, multiple trips, or adventurous activities, Squaremouth offers a comprehensive and user-friendly solution.

Leave a Comment