USI Affinity

1.0

NerdWallet rating

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

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pros & cons

Pros

Policies are average in price.Can add on a Pre-existing Medical Condition Exclusion Waiver up to 21 days of the date your initial trip deposit for higher cost plans.<a href="/uploads1/article/travel/blue-ribbon-bags">Blue Ribbon Bag</a> coverage included.

Cons

CFAR upgrade is only available for higher-cost plans.Trip Delay benefits only kick in after a 12 hour delay.

Compare Rates

at SquareMouth

USI Affinity

1.0

NerdWallet rating

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

pros & cons

Pros

Policies are average in price.Can add on a Pre-existing Medical Condition Exclusion Waiver up to 21 days of the date your initial trip deposit for higher cost plans.<a href="/uploads1/article/travel/blue-ribbon-bags">Blue Ribbon Bag</a> coverage included.

Cons

CFAR upgrade is only available for higher-cost plans.Trip Delay benefits only kick in after a 12 hour delay.

USI Affinity Travel Insurance Services is one of several travel insurance companies that specialize in selling coverage for travelers planning different kinds of trips.

Let’s look at its coverage options and cost — plus other considerations to make — so you can find the right plan for you.

What is USI Affinity Travel Insurance Services?

USI Insurance Services is an insurance company founded in 1994. It provides coverage for law firms, professional liability as well as travel organizations.

USI Affinity Travel Insurance Services is a subsidiary of USI Insurance Services that focuses on providing travel insurance to groups and individuals, including long-term travelers, student travelers and visitors to the U.S.

USI Affinity travel insurance plans

If you’re not traveling with a group or a travel organization, USI Affinity Travel recommends its Trip Care Complete insurance offerings. With it, you have three plans to choose from: Basic, Plus and Elite. Here are the coverages offered by each policy type:

Basic: The budget quote comes with 100% trip cancellation, 125% trip interruption, $10,000 medical expenses, $25,000 medical evacuation and $500 baggage loss coverage.

Plus: This midrange plan covers 100% trip cancellation, 150% trip interruption, $50,000 medical expenses, $500,000 medical evacuation and $1,000 baggage loss.

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

Costs and coverage

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

In our example, the traveler is on an individual trip, not a group tour.

Basic

Coverage and limits for the Basic plan from USI Affinity include:

Trip delay: $100 per day, with a $500 maximum (kicks in after six hours).

Trip cancellation: 100% of the trip cost (with a $10,000 limit).

Trip interruption: 125% of the trip cost.

Baggage delay: $100 per day (with a $100 maximum limit).

Lost baggage: $250 per item, combined limit of $500 for valuables, $500 total limit.

Missed connection: $500.

Emergency medical evacuation: $25,000.

Emergency accident and sickness medical expense: $10,000.

Emergency dental: $500.

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

Repatriation of remains: $10,000.

Rental car collision: N/A.

Pre-existing medical conditions waiver: Must be purchased within 14 days after your initial trip payment.

The plan cost for our sample trip to Sri Lanka is $123.

Plus

Coverage and limits for the Plus plan from USI Affinity include:

Trip delay: $250 per day, with a $750 maximum (kicks in after six hours).

Trip cancellation: 100% of the trip cost (with a $25,000 limit).

Trip interruption: 150% of the trip cost.

Baggage delay: $100 per day (with a $300 maximum limit).

Lost baggage: $250 per item, combined limit of $500 for valuables, $1,000 total limit.

Missed connection: $750.

Emergency medical evacuation: $500,000.

Emergency accident and sickness medical expense: $50,000.

Emergency dental: $750.

Accidental death and dismemberment: $50,000 (air only).

Repatriation of remains: $250,000.

Rental car collision: N/A.

Pre-existing medical conditions waiver: Must be purchased within 14 days after your initial trip payment.

This plan will set you back $135.

Elite

Coverage and limits for the Elite plan from USI Affinity include:

Trip delay: $250 per day, with a $1,500 maximum (kicks in after six hours).

Trip cancellation: 100% of the trip cost (with a $30,000 limit).

Trip interruption: 150% of the trip cost.

Baggage delay: $200 per day (with a $500 maximum limit).

Lost baggage: $250 per item, combined limit of $500 for valuables, $2,500 total limit.

Missed connection: $750.

Emergency medical evacuation: $500,000.

Emergency accident and sickness medical expense: $250,000.

Emergency dental: $750.

Accidental death and dismemberment: $200,000 (air only).

Repatriation of remains: $250,000.

Rental car collision: $5,000.

Pre-existing medical conditions waiver: Must be purchased within 14 days after your initial trip payment.

This level of coverage will cost $187.