USI Affinity Travel Insurance

Overview of USI Affinity Travel Insurance

USI Affinity began offering trip insurance in 2004. Today, the provider offers a range of comprehensive plans designed to meet the needs of a wide variety of travelers, from casual vacationers to thrill-seeking adventurers.

USI Affinity currently offers two unique policies on the Squaremouth platform, Ruby and Diamond. Both plans come with high coverage limits for key medical benefits like Emergency Medical and Medical Evacuation, as well as comprehensive cancellation protection. If standard trip protection isn’t enough, the provider allows you to enhance your coverage through optional add-ons like Cancel For Any Reason (CFAR) and Rental Car Damage protection.

It’s important to note that this level of coverage comes at a higher cost, as USI Affinity’s comprehensive plans tend to have some of the highest average travel insurance premiums on the market.

Is USI a Credible Travel Insurance Provider?

Yes, USI Affinity is a credible travel insurance provider with solid financial backing and over 20 years of experience protecting travelers around the world. USI Affinity is part of USI Insurance Services, one of the nation’s largest private insurance brokers. The provider’s Ruby and Diamond plans are underwritten by the globally recognized Starr Indemnity & Liability Company and hold an A.M. Best rating of A (Excellent), highlighting the provider’s ability to fulfill its claims obligations.

USI Affinity also holds an A+ rating with the Better Business Bureau. This rating is only given to insurers that demonstrate high standards of responsiveness and transparency in handling customer inquiries and complaints. You can purchase coverage from this provider with confidence, knowing your claim will be handled fairly by a reputable travel insurance company.

Our Take: __USI Affinity is one of the most experienced providers on our platform and has the strong financial backing of USI Insurance Services. The policies from this provider center around robust medical coverage, with its Diamond plan offering among the highest reimbursement rates on our platform for benefits like Emergency Medical and Medical Evacuation.

USI’s Ruby policy is the provider’s most popular policy, albeit by a small margin. While it’s technically USI’s lower-tier policy out of their two plans listed on Squaremouth, it still offers enough coverage to meet our recommendations for just about any international or domestic trip. Both plans include generous coverage for sports and activities, making them a strong choice for any adventure trip you have lined up.

The major drawback of USI Affinity is the high price tag. At the time of writing, it is the most expensive comprehensive provider on the market. However, if cost isn’t a major concern and your priority is to maximize your coverage, then a plan from the provider can fit your needs. __

USI Affinity Customer Satisfaction Ratings

Customer satisfaction scores help travelers find reliable, trustworthy providers. The ratings below are based on 123 USI Affinity ratings, which highlight the level of service the provider offers before, during, and after a trip.

With an overall satisfaction rating of 4.08 out of 5, USI Affinity is a generally well-regarded travel insurance provider among customers. While the provider doesn’t have as many reviews as other insurers on the Squaremouth platform, it receives consistently positive feedback for its pre-trip customer assistance. Providers that excel in this category go above and beyond to help travelers find the best plan and modify their coverage leading up to their trips.

When it comes to in-trip and post-trip customer service, USI Affinity hovers around a rating of 3 out of 5, which is lower than most competing providers. Some customers report long wait times and communication issues when filing a claim with USI Affinity.

See the most recent USI Affinity reviews below:

Pros and Cons of USI Affinity Travel Insurance

USI Affinity is a strong option if you’re seeking comprehensive travel insurance with robust medical coverage. For example, USI’s Diamond plan provides up to $500,000 in primary Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, which is the most of any comprehensive travel insurance plan. Each policy also covers more than 200 unique sports and activities, making it a great option if you’re planning an international trip or a trip that involves a high-risk itinerary.

The provider also offers multiple ways to enhance your coverage if needed. Each plan allows adding CFAR coverage during checkout, which can give you additional flexibility and peace of mind if your plans change at the last minute. Both Ruby and Diamond also provide pre-existing condition coverage to eligible travelers. To qualify, you must purchase your policy within 14 days of your trip deposit date.

On the downside, USI Affinity’s plans come with some of the highest average premiums for comprehensive coverage. While the plans provide strong protection, it may be overkill if you’re taking a low-risk trip and want to keep insurance expenses to a minimum. Some customers have also reported challenges during the claims process. Despite these drawbacks, USI Affinity offers great coverage and remains a credible option backed by more than 50 years of experience.

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Which USI Affinity Travel Insurance Plan Should I Choose?

As mentioned earlier, there are two USI Affinity plans on Squaremouth at the time of writing. See how these policies compare below:

Ruby and Diamond are two great policies that can add peace of mind to any trip. Both plans provide broad cancellation coverage, allowing you to insure up to $15,000 worth of prepaid, non-refundable travel expenses per insured traveler.

If you’re looking for the best overall coverage and don’t mind paying extra, we recommend USI’s Diamond policy. For starters, it includes some of the best medical coverage found on Squaremouth. Specifically, the policy offers up to $500,000 in primary Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage. The plan also features generous reimbursement rates for other key benefits like Baggage Loss and Missed Connection, and is one of the few plans to include Rental Car Damage protection at no additional cost.

While USI’s Ruby plan offers slightly weaker coverage compared to Diamond, it does offer more budget-friendly trip protection. It offers up to $250,000 in Emergency Medical coverage and up to $500,000 in Medical Evacuation coverage. These limits are typically more than enough to cover any trip abroad.

Both plans are designed to offer flexibility and reliable protection, so whether you prioritize comprehensive coverage or cost-conscious trip protection, USI Affinity has a plan to fit your needs.

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Compare USI Affinity vs. Competitors

Squaremouth is home to 20+ travel insurance companies. See how USI Affinity compares to other providers found on our platform.

Plan Features
Overall Coverage	Traveler trusted for more than 50 years and offering high medical and evacuation coverage	Broad coverage, with options for customization
Cost	Competitive pricing with high-value benefits	Moderate pricing with flexible plan options
Customer Rating	4.1 Good 123 Reviews	4.5 Very Good 208 Reviews
AM Best Rating	A (Excellent)	A (Excellent)
Unique Benefits	Generous coverage for medical evacuation, financial default protection, layoff reasons for cancellation	Sporting equipment coverage
Insurance Partners	Backed by Starr Indemnity & Liability Company.	Backed by BCS Insurance Company and Jefferson Insurance Company.

How Much Does USI Affinity Travel Insurance Cost?

Comprehensive travel insurance premiums depend on a wide range of factors, including age, trip length, trip cost, and depth of coverage. The chart below highlights how USI Affinity premiums compare to other top-rated insurers.

With an average premium of $469.25, USI Affinity is the most expensive provider when it comes to comprehensive travel insurance coverage. For comparison, more than half of the providers on Squaremouth offer similar comprehensive benefits at average premiums under $300, albeit with slightly lower coverage limits. This highlights the premium you will need to pay for USI Affinity’s more robust trip protection.

How Does USI Stack Up Against Competitors?

USI Affinity currently holds an overall customer satisfaction rating of 4.08 out of 5. This makes it the fifth-lowest-rated provider on Squaremouth. One of the provider’s strengths is its customer service before a trip, which holds a score of 4.22 out of 5. This demonstrates USI’s ability to assist customers with finding a policy or adjusting coverage before their departure dates.

The provider’s below-average score can be attributed to the challenges some customers report facing during and after their trips. The provider’s low review count may also be a factor in its overall customer satisfaction rating.

Is USI Affinity Travel Insurance Worth It?

USI Affinity travel insurance is worth the cost if you prioritize top-tier medical coverage, flexibility, and protection for complex or high-risk trips. While premiums are higher than average, the provider delivers value through industry-leading Emergency Medical and Medical Evacuation limits, broad trip cancellation coverage, and optional upgrades like CFAR.

Both USI plans offer more than enough medical coverage to cover any international or domestic trip. Thanks to the generous adventure coverage, these policies are also a strong option if you plan on participating in a sport or high-risk activity while traveling.

With that in mind, USI Affinity may not be the best fit for every trip. If you’re taking a short, low-risk domestic trip or are primarily looking for basic travel protection, a more budget-friendly provider may offer better value. The providers’ below-average customer satisfaction scores should also be taken into consideration when searching for coverage for your upcoming trip.

Travel Insurance Alternatives to USI Affinity Travel

Squaremouth is home to 20+ top-rated travel insurance providers. If you can’t find a BCBS Global Solutions plan that works for you, consider coverage from one of the following insurers:

Tin Leg is a highly rated travel insurance provider that also offers great coverage for adventure trips. Its Goldplan is currently the best-selling on our platform and features up to $500,000 in Primary Emergency Medical coverage.

For generous medical protection while traveling, consider a policy from Seven Corners. Like USI’s Diamond plan, Trip Protection Choice by Seven Corners offers up to $500,000 in Primary Emergency Medical coverage and up to $1,000,000 in Medical Evacuation protection with a slightly lower average premium.

For even greater flexibility, consider coverage from Travel Insured International. The provider’s popular FlexiPAXpolicy offers the CFAR and Interruption For Any Reason (IFAR) add-ons, along with policy upgrades that allow you to increase coverage limits for select benefits.

Frequently Asked Questions: USI Affinity Travel Insurance Services

Are USI Affinity’s plans comprehensive?

Yes, all USI Affinity plans are comprehensive and are designed to protect travelers against common trip disruptions, including medical emergencies, trip cancellations, travel delays, and personal item loss. The provider uses a tiered plan structure, with each plan offering the same core benefits but at different coverage levels. Diamond is the top-tier option, providing higher coverage limits across key benefits compared to Ruby, making it better suited for travelers who want maximum protection, while Ruby offers more cost-conscious comprehensive coverage.

Why is USI Affinity so expensive?

USI Affinity policies are higher-priced than other providers due to the strong coverage limits and premium benefits included in each plan. The provider offers among the highest primary Emergency Medical and Medical Evacuation coverage of any comprehensive plan on Squaremouth, broad trip cancellation protection, and coverage for more than 200 sports and activities, all of which increase the overall policy value and cost.

Does USI Affinity offer travel medical insurance plans?

No, while USI Affinity’s plans include medical benefits, the provider does not offer travel medical plans. All plans come standard with Trip Cancellation coverage. To be eligible for a USI Affinity plan, you must insure some or all of your travel expenses. With that said, all USI plans include high medical coverage limits.

Does USI Affinity offer enough medical coverage?

Yes, one of the hallmarks of USI Affinity plans is strong primary Emergency Medical coverage. Typically, we recommend international travelers to purchase a policy with at least $50,000 in Emergency Medical coverage. Additional protection may be necessary if you’re visiting remote destinations, taking a cruise, or participating in adventure sports. All USI Affinity plans exceed these recommendations, offering between $250,000 and $500,000 in Emergency Medical coverage, depending on the plan.

For the most amount of medical coverage, we recommend USI’s Diamond plan. However, the provider’s Ruby policy also provides a substantial amount of protection against unforeseen medical expenses.

Which USI Affinity Plan is Better?

The best USI Affinity plan for you will depend on your budget and coverage needs. Objectively, the Diamond policy by USI offers better coverage since it includes more benefits and higher reimbursement rates. However, this policy does come at a higher price. Ruby is the better option if you don’t require as strong coverage and are looking to minimize your travel insurance expenses.

Is USI Affinity a good option for international travel?

Yes, USI Affinity is a strong option for international travel, particularly if you want comprehensive protection and high medical coverage limits. Its plans include primary Emergency Medical and Medical Evacuation coverage, which is especially important when traveling overseas, where healthcare costs can be high and access to quality medical facilities may be limited.

In addition to medical protection, USI Affinity plans also cover common international travel disruptions such as Trip Delay, Baggage Delay, and Baggage Loss, helping you protect yourself financially from a wide range of unexpected expenses that may arise during your trip abroad.

Does USI Affinity offer any upgrades that I should consider?

Yes, both USI Affinity plans allow you to enhance your coverage with CFAR coverage. This optional benefit provides partial reimbursement of your prepaid, non-refundable trip costs if you need to cancel your trip for a reason not already covered by Trip Cancellation. To qualify for this coverage, you must purchase your policy within 14 days of your initial trip deposit.

While the Diamond plan comes standard with Rental Car Damage coverage, Ruby customers can choose to include this benefit within their policy for an additional fee during checkout.

Does USI Affinity have a 24/7 assistance team?

Yes, USI Affinity offers 24-hour Emergency Assistance services to all customers. You can call this service at any time to get assistance with medical referrals, coordinating evacuations, translation services, emergency cash transfers, and more.

How do I file a claim with USI Affinity?

If you need to file a claim with USI Affinity, you must contact the provider directly. Relevant contact information can be found in the following section.