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What You Need To Know About
USI Affinity

With dependable coverage since 1994, USI Travel Insurance Services offers travelers comprehensive coverage options for all kinds of trips from standard vacations to adventure, sports, business, or even mission trips. Forbes ranked them the “best provider for superior coverage.” Their policies, Ruby and Diamond, are designed to provide trustworthy protection against common travel disruptions, like delays, cancellations, and medical emergencies..

USI Affinity’s travel insurance plans, backed by Starr Indemnity & Liability Company are highly recommended, and it has even earned a spot as “best provider for superior coverage” by Forbes. With $250,000 in primary Emergency Medical coverage and $500,000 in Medical Evacuation per person, the Ruby and Diamond plans provide extensive benefits. From medical emergencies and severe weather to layoff protections, USI Affinity’s coverage allows you to cancel for various reasons, ensuring you’re prepared for the unexpected.

Our Take: With a longstanding history and policies, USI Affinity is part of USI Insurance Services, one of the largest insurance brokerages in the U.S. Travelers trust their plans for reliable benefits, a commitment to quality, and exceptional customer care, all designed to make you feel safe and secure—no matter where your travels take you.

USI Affinity Rating Breakdown

4.07 (120 reviews)
Customer Service Before Trip 4.21/5
Customer Service During Trip 3.16/5
Customer Service During Claim 3.0/5
  • Better Business Bureau (BBB) A+
  • TrustPilot Score 4.1/5
  • Named best provider for “superior coverage” by Forbes Advisor

USI Affinity At-a-Glance

Pros:
  • All policies include primary medical coverage
  • The base plan includes $250k in emergency medical
  • Optional upgrades available with both plans for CFAR
Cons:
  • No IFAR option is available
  • Limited adventure-specific coverage options

Check out what travelers like you think about USI Affinity:

Ready to explore your options? Compare USI Affinity plans against other top providers.

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Find The Plan That's Right For You

USI Affinity offers plans for every traveler—explore its plans to choose the best plan for your trip.

Plan Avg. Premium Medical Evacuation &
Repatriation
Trip Cancellation Trip Interruption CFAR Option
Ruby * $346.30 $250,000 $500,000 100% of the trip cost 150% of the trip cost
Diamond * $347.00 $500,000 $1,000,000 100% of the trip cost 150% of the trip cost

* The average premium is calculated using the last 12 months of sales, inclusive of trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999. This information is provided to illustrate directional pricing difference between plans.

USI Affinity vs. The Competition:
How It Stacks Up

What's the best provider? That depends on your trip. Choosing the right one can save you thousands. Here's how USI Affinity stacks up.

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
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 Will A USI Affinity Plan Cost For Your Trip?

Take a look at how the average cost of USI Affinity's policies compares to similar plans from other top providers.

Average Cost of USI Affinity vs. Competitors Cancellation Plans
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* The average premium is calculated using the last 12 months of sales, including trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999.

The Bottom Line:
Is USI Affinity Worth It?

USI Affinity Travel Insurance Services stands out as a provider that offers comprehensive and flexible travel insurance plans. Their policies cater to a wide range of travelers, from those seeking coverage for standard vacations to those embarking on business or mission trips. A key advantage of their plans is the inclusion of primary medical coverage, which simplifies the claims process and reduces out-of-pocket expenses during a medical emergency.

Contact Information for USI Affinity Travel Insurance Services

Customer Service: 855-874-0255

Hours of Operation:

Weekdays, 9:00am - 7:00pm EST

Claims Phone: 800-567-3512

Claims Hours of Operation:

Weekdays, 8:00am - 6:00pm EST

Mail to:
Starr Travel Claims
c/o Administrative Concepts, Inc.
P.O. Box 4000
Collegeville, Pennsylvania 19426-9000

Emergency Assistance:

Inside USA: 877-797-2680

Outside USA: 786-838-0757

Claims Email: aci247@acitpa.com

Fax: 610-293-9299

Provider Claims Website: USI Affinity Travel Insurance Services has not provided a website for claims.