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If you're taking a trip through a travel agency, university, or other company, USI Affinity is a travel insurance company worth considering. To request a quote, you select the organization you're traveling with, where you're traveling to, the state you reside in, and your name and date of birth. Then USI Affinity will select the right travel plan for you.
Travel insurance plans from USI Affinity
USI Affinity travel insurance has two plans: Diamond and Ruby. Diamond is designed for travelers who want higher-end protection. Ruby is for those who want some of the same protections but without the higher limits (and cost) of Ruby.
Ruby | Diamond | |
COVID-19 cancellation | ||
Trip cancellation | ||
Trip interruption | ||
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 | ||
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 | ||
Other medical cancellations | ||
Cancel for any reason | This benefit is separate from trip cancellation | This benefit is separate from trip cancellation |
Medical coverage for COVID-19 | ||
Emergency medical | Primary coverage | Primary coverage |
Preexisting Condition | ||
Evacuation medical evacuation & repatriation | ||
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 | $150 daily limit Covered after 6-hour delay | $250 daily limit Covered after 6-hour delay |
Baggage delay | $300 daily limit Covered after 12-hour delay | $500 daily limit Covered after 12-hour delay |
Baggage & personal items loss | $250/item $500 specific items limit | $300/item $500 specific items limit |
Missed Connection | Covered after 3-hour delay Cruise and tour only | Covered after 3-hour delay Cruise and tour only |
24-hour accidental death | ||
Flight-only accidental death | No coverage | |
Sports & activities | Limitations apply | Limitations apply |
Sports Fees | ||
Rental car damage | $100 deductible/policy | |
Money back guarantee | ||
24-hour assistance service |
How much does travel insurance from USI Affinity cost?
For a single traveler taking a week-long trip in Europe during off-season travel at a cost of $2,500 per person, Ruby is $96, and Diamond is $116. Estimated costs are under 10% of the trip cost. The same trip for a family of four is a bit more expensive at $552 for Diamond and $472 for Ruby. Even for this $10,000 trip, the USI Affinity travel insurance premium is still under 10% of the trip's total cost.
How do I file a claim with USI Affinity travel insurance?
USI Affinity makes it easy to file a claim through its website. On the website, it states, "To file a claim on your travel insurance plan, please download and print the appropriate claim form below, and submit it to the address indicated on the form" along with the following forms:
- Accidental dismemberment claim form
- Baggage claim form
- Medical claim form
- Rental collision claim form
- Trip cancellation | trip interruption | travel delay | missed connection claim form
You can also call USI at 1-855-874-0255 or email explorer@travelinsure.com.
Compare USI Affinity travel insurance vs Allianz Travel
Allianz is a popular competitor to USI Affinity as it serves 55 million travelers everywhere. Unlike USI Affinity, Allianz Travel offers multiple plans to customize your trip's insurance plan. Allianz has over 10 plans to choose from with different features. So you can choose what's best for you and your family. These plans include single trip, annual trip, and rental car insurance.
Another thing exclusive to Allianz Travel is its OneTrip Prime plan. It offers free coverage for travelers under 17 when traveling with a parent or grandparent. USI Affinity makes no such claims.
Compare USI Affinity travel insurance vs Trawick International
Another large competitor is Trawick International travel insurance. The company offers baggage protection for up to $2,000 compared to USI Affinity's $300 or $500 coverage options.
According to the company website, Trawick also offers cruise insurance plans and adventure travel insurance covering over 500 different activities. It highlights benefits such as unlimited trip cancellation coverage.
Compare USI Affinity vs credit card travel rewards
Credit cards can be a great alternative to USI Affinity travel insurance. Make sure your credit card offers travel insurance before your trip. Also, keep in mind, credit card travel protections may not be as comprehensive as an insurance policy.
For example, you might be able to get reimbursed for a flight on a credit card, but only if you paid for the flight with the credit card. If you paid for the flight in cash or with a debit card, your credit card isn't going to reimburse you. USI Affinity will. You just need to submit a form.
Having additional travel insurance is never a bad option. Some travelers have cards like the Chase Sapphire Reserve, which offers baggage delay protection. USI could add medical coverage, AD&D, hotel and flight coverage after a covered event, and more. No matter what card you have, check to see what travel benefits your card offers. You can stack travel benefits to ensure you're covered for your trip as long as you use your credit card to purchase all your expenses.
Methodology
In creating this review of USI Affinity travel insurance, we looked at competitive travel insurance products and compared coverage, price points, exclusions, and more. Then we considered what credit card benefits could complement USI Affinity travel insurance's travel insurance plan. You can read more about our travel insurance ratings methods here.
Every travel insurance product has its pros and cons. Our aim is to shine a light to help consumers make informed decisions based on all the facts. We know how important insurance is when traveling with peace of mind.
FAQs
USI Affinity covers international flights and international travel plans. You just have to let the company know where you're going, how many passengers, and your estimated trip costs.
You don't get the money you paid for your travel insurance back with USI Affinity unless you file a claim for a qualifying event. You'll want to visit the website to fill out paperwork or call USI Affinity at 1-855-874-0255.
Yes, you can purchase USI Affinity travel insurance after you've bought your ticket. USI will ask you if you've paid for your trip in full or if you're still making payments on it as part of the travel insurance purchasing workflow. Compare your options early to find the best travel insurance policy for your next trip.