Our experts answer readers' insurance questions and write unbiased product reviews (here's how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.
If you're taking a trip through a travel agency, university, or other company,
USI Affinity Travel Insurance Review: Types of Policies Offered
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 |
USI Travel Insurance FAQs
Can you get USI Affinity travel insurance for international flights?
Do you get your money back with USI Affinity travel insurance?
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.
Can you buy trip USI Affinity travel insurance after you bought your flight ticket?
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.
USI Affinity Travel Insurance 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
How to File a Claim with USI Affinity Travel Insurance?
- 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
Learn more about how USI Affinity Travel Insurance compares to the competition.
USI Affinity Travel Insurance vs Allianz Travel Insurance
Allianz is a popular competitor to
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.
Allianz Travel Insurance Review
USI Affinity Travel Insurance vs Trawick Travel Insurance
Another large competitor is Trawick International travel insurance. The company offers baggage protection for up to $2,000 compared to
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.
Trawick Travel Insurance Review
USI Affinity vs Credit Card Travel Insurance
Credit cards can be a great alternative to
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.
Best Credit Cards with Travel Insurance
Why You Should Trust Us: How We Reviewed USI Travel Insurance
In creating this review of
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.