USI Affinity Travel Insurance Review: Is It Worth the Cost?

What is USI Affinity Travel Insurance Services?

Established in 1994, USI Insurance Services is an insurance company that offers insurance for legal firms, professional liability, and travel associations.

U.S. Affinity Travel Insurance Services, a division of U.S. Insurance Services, specializes in offering travel insurance to collectives and individuals, such as those embarking on extended journeys, student voyagers, and individuals visiting the United States.

Costs and coverage

Let’s compare travel insurance plans from Affinity USI to cover the costs of a 10-day trip to Sri Lanka that costs $2,500 for a 35-year-old traveler from Utah.

In our illustration, the explorer is on a solo journey, not a collective excursion.

Basic

The Basic plan from USI Affinity includes coverage and restrictions.

  • Delay in trip: $100 per day, with a maximum of $500 (applies after six hours).

  • Trip cancellation: 100% of the total trip expense (with a maximum limit of $10,000).

  • Trip disruption: 125% of the total cost of the trip.

  • Luggage delay: $100 per day (with a maximum limit of $100).

  • Misplaced luggage: $250 per item, combined restriction of $500 for valuable items, $500 overall restriction.

  • Lost opportunity: $500.

  • Emergency medical evacuation: $25,000.

  • Emergency accident and illness medical cost: $10,000.

  • Urgent dental care: $500.

  • Accidental demise and dismemberment: $10,000 (air only).

  • Repatriation of deceased individuals: $10,000.

  • Rental vehicle accident: Not applicable.

  • Waiver for pre-existing medical conditions: Must be bought within 14 days following your initial payment for the trip.

  • The price for our sample journey to Sri Lanka is $123.

    Plus

    The Plus plan offered by USI Affinity includes coverage and restrictions.

  • Delayed trip: $250 per day, with a maximum of $750 (applies after six hours).

  • Trip cancellation: 100% of the travel expense (with a limit of $25,000).

  • Trip disruption: 150% of the total trip expenses.

  • Luggage delay: $100 per day (with a maximum limit of $300).

  • Lost luggage: $250 per piece, combined maximum of $500 for valuable items, $1,000 overall limit.

  • Failed connection: $750.

  • Emergency medical evacuation: $500,000.

  • Coverage for emergency accident and illness medical expenses: $50,000.

  • Urgent dental: $750.

  • Unintentional demise and dismemberment: $50,000 (air travel exclusively).

  • Repatriation of deceased bodies: $250,000.

  • Rental vehicle accident: Not applicable.

  • Waiver for pre-existing medical conditions: Must be bought within 14 days following your initial payment for the trip.

  • This plan will cost you $135.

    Elite

    The Elite plan from USI Affinity includes coverage and restrictions.

  • Delayed trip: $250 per day, with a maximum of $1,500 (starts after six hours).

  • Trip cancellation: 100% of the travel expense (with a maximum limit of $30,000).

  • Trip disruption: 150% of the total trip expenses.

  • Luggage delay: $200 per day (with a maximum limit of $500).

  • Misplaced luggage: $250 per article, combined cap of $500 for valuable items, total cap of $2,500.

  • Failed connection: $750.

  • Emergency medical evacuation: $500,000.

  • Emergency accident and illness medical cost: $250,000.

  • Urgent dental: $750.

  • Accidental demise and disfigurement: $200,000 (air only).

  • Repatriation of deceased bodies: $250,000.

  • Car rental accident: $5,000.

  • Waiver for pre-existing medical conditions: Must be bought within 14 days following your initial payment for the trip.

  • This amount of coverage will require a payment of $187.

    🤓Nerdy Tip.

    Expect to get the best bang for your buck with the Plus plan, which provides higher coverage limits than the Basic plan for just $12 more.

    The Plus plan is comparable to most of the other coverage, however, the Elite plan has increased limits for emergency accident and sickness medical expense coverage and provides a collision waiver for renters.

    The lower scheme initiates journey disruption at 125% and escalates to 150% alongside the other two schemes, whereas trip postponement protection takes effect after a duration of six hours on all schemes, among other advantages.

    It’s also possible to upgrade the plans with the Cancel For Any Reason add-on, which will cover 75% of the trip cost.

    USI Affinity

    Pros..

  • Policies are moderately priced.
  • You can add a Medical Pre-existing Condition Waiver Exclusion on your initial deposit trip for up to 21 days, which may result in higher cost plans.
  • Blue Ribbon Bag coverage is provided.
  • Cons..

  • CFAR enhancement is exclusively accessible for plans with higher costs.
  • Trip Delay benefits only come into effect after a 12-hour delay.
  • USI Affinity Travel Insurance Services is one of several travel insurance companies that specialize in selling coverage for different types of trips planned by various kinds of travelers.

    Let’s consider other factors, such as cost and coverage options, so that you can find the right plan.

    How to get a quote from USI Affinity Travel Insurance Services

  • Who are you purchasing insurance for? Myself and/or other travelers or a group of over five individuals?

  • Are you planning to study abroad?

  • Are you a citizen of the United States or another nation?

  • Are you journeying within the United States?

  • Does your journey exceed a duration of 30 days?

  • Are you traveling with a guided tour or any other organized group?

  • USI Affinity will recommend the appropriate travel insurance for you based on your answers. For instance, the Trip Care Complete is suggested for a solo trip, while the Travel Insurance Select is more suitable for a group excursion.

    Those who live abroad and are concerned about high medical costs have access to annual plans. For instance, WorldMed Insurance offers a plan that provides coverage for terrorism and political evacuation, and covers trips between five and 364 days.

    Once the software identifies the optimal kind of plan, you will be directed to a webpage where you can submit a request for a quote. Please complete the form with all your travel information, including:

  • Which organization are you traveling with?

  • The place where you live.

  • Destination country.

  • Travel dates.

  • Start deposit and end payment dates.

  • Birthdates of travelers.

  • Trip cost.

  • After comparing the quotations, please click on the “Submit for quotation” button once you have completed the form. The subsequent inquiries might differ depending on your previous responses.

    USI Affinity travel insurance plans

    Each category of policy provides the subsequent protections: Fundamental, Additional, and Premium. It is advisable to opt for USI Affinity Travel’s Trip Care Complete insurance options if you are not embarking on a journey alongside a collective or a travel institution.

  • The budget estimate includes Basic coverage for trip cancellation at 100%, trip interruption at 125%, medical expenses up to $10,000, medical evacuation up to $25,000, and baggage loss coverage of $500.

  • Furthermore, this package at an intermediate level incorporates complete protection for the cancellation of trips, coverage of 150% for the interruption of trips, medical costs of up to $50,000, evacuation for medical purposes up to $500,000, and a maximum coverage of $1,000 for lost baggage.

  • Baggage loss $2,500 and evacuation medical $500,000, expenses medical $250,000, interruption trip 150%, cancellation trip 100% coverage offers plan premium The: Elite.

  • USI Affinity

    Pros..

  • Policies are moderately priced.
  • You can add a Medical Pre-existing Condition Waiver Exclusion on your initial deposit trip for up to 21 days, which may result in higher cost plans.
  • Blue Ribbon Bag coverage is provided.
  • Cons..

  • CFAR enhancement is exclusively accessible for plans with higher costs.
  • Trip Delay benefits only come into effect after a 12-hour delay.
  • Is USI Affinity Travel Insurance Services worth it?

    Travelers of all types can benefit from the wide range of coverage options offered by USI Affinity Travel Insurance Services, making it a personal decision for trip insurance.

    Exploring its worth makes it easy for you to find the right plan, thanks to the intuitive software and various options offered by Affinity USI. You can cancel for any reason and also enjoy trip protection coverage, including medical coverage.

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