USI Affinity Travel Insurance Review: Worthy Of Their Reputation?

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Girl traveling with backpack (caption: USI Affinity Travel Insurance)If you’re shopping around for the best travel insurance, you’ve likely come across USI Affinity Travel Insurance Services. How does this 40-year-old travel insurance company (that still maintains a stellar reputation) stack up against its newer competitors? We give you an in-depth review, including detailed policy benefits, pros and cons, pricing, and much more.

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Article Overview

USI Affinity Travel Insurance

4.35 / 5
USI Affinity Travel Insurance
Variety of Policies 4.5
Coverage 4.8
Claims Process 3.8
Policy Pricing 4.0
Customer Support & Reputation 4.8

Pros

  • Full trip cancellation and interruption coverage
  • Higher than average medical coverage at $150,000 per person
  • Good AD&D coverage at $50,000 per person
  • Good pre-existing medical condition coverage available for conditions within 60 days before trip
  • Rental car damage coverage included in Plus and Elite plans
  • Missed connection coverage included
  • Trip interruption for any reason add-on available
  • Largely positive reviews for their customer service and claims process

Cons

  • Very expensive mid and high-level plans
  • No itinerary change or flight-only AD&D coverage
  • Can’t file or check claim through website

Key Features

  • Excellent reputation for 40+ years
  • BBB accredited rating: A+
  • Provides three comprehensive travel insurance plans
  • Rental car damage and sports equipment rental coverage included
  • Add-on for trip interruption for any reason (most companies don’t offer this benefit)
  • 24-hour concierge and travel assistance services
  • Group travel insurance available
  • 15-day policy cancellation

Policy Benefit Limits

Here’s a comparison of USI Affinity’s major benefit limits for each of its three comprehensive plans. Note: You must purchase cancel for any reason benefits within 21 days of making your initial trip deposit.

The following benefit limits are per person.

Refer to the terminology section in our main travel insurance review to get definitions and more details on benefits.

 BasicPlusElite
Trip CancellationTrip CostTrip CostTrip Cost
Trip Interruption100% Trip Cost125% Trip Cost150% Trip Cost
Missed Connection$500$1,000$1,500
Total Trip/Travel Delay$500$1,000$1,500
Travel Delay Per Day$100$200$250
Minimum Travel Delay Time12 Hours12 Hours12 Hours
Lost Baggage Total$500$1,000$2,500
Lost Baggage Per Item$250$250$500
Baggage Delay$100$250$500
Minimum Baggage Delay Time12 Hours12 Hours12 Hours
Sports Equipment RentalNot Included$750$1,500
Emergency Accident & Sickness Medical Expenses $50,000$100,000$150,000
TypeExcessExcessPrimary
Emergency Dental$500$750$1,000
Pre-Existing Medical Conditions WaiverNot Included Available*Available*
Emergency Medical Evacuation & Return of Remains$100,000$500,000$1 Million
Search & RescueNot IncludedNot Included$5,000
Accidental Death & Dismemberment Not Included $25,000$50,000
Rental Car DamageNot Included $25,000$35,000
Cancel/Interrupt For Any Reason (Optional Added Fee)Not Available Not Available 75% Trip Cost

* To qualify for a pre-existing medical condition waiver, you must purchase your plan within 21 days of making your initial trip deposit.

Pricing

Pricing varies widely depending on the destination location, state of residence, travelers’ age, and other factors.

Sample pricing below is based on an insurance policy for two adults, ages 40 and 45, who reside in Virginia, are traveling to Greece for one week, and paying a total of $8,000 for the vacation cost. Pricing is the cost for both travelers (not per person).

  • $440 Basic Plan
  • $660 Plus Plan
  • $742.40 Elite Plan (add-on pricing unlisted)

Why Do I Need Travel Insurance?

Check out the video below by the U.S. Travel Insurance Association to see a common misconception about travel insurance and why you should consider coverage.

Our Final Verdict On USI Affinity Travel Insurance

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For more than 40 years, USI Affinity has maintained an excellent reputation for reliable coverage and helpful customer service. They offer competitive payouts for most benefits and some perks in their higher plans, including rental car damage and sports equipment rental coverage. The company also offers a rare add-on for trip interruption for any reason benefit.

USI Affinity’s higher plans are among the most expensive we’ve seen and pricier than companies that provide comparable payouts. Also, if you want the convenience of filing a claim online, you’re out of luck with USI. They’re one of a dwindling number of companies that don’t offer online filing. Given their reputation, however, we still advise taking a closer look at USI Affinity.

How does USI Affinity compare to other travel insurance companies? Read our travel insurance reviews, where we give you pros and cons, key features, a handy comparison table, and more for over 10 of the top travel insurance providers.

Where are your travels taking you, and why are you looking for travel insurance?

About The Author:

While attending the University of North Carolina at Chapel Hill’s graduate school for journalism and public relations, Sally began a long career researching and writing about hard-to-understand topics, such as insurance and finance.

Her additional experience in marketing, fundraising, public relations and financial planning at various foundations and nonprofit organizations over the years has given her the practical tools to inform consumers about making the smartest business and personal financial decisions. Her work has appeared in many notable media outlets, including The Washington Post, Entrepreneur, People, Forbes, Huffington Post, and more.

Speaking of smart living — growing up in the (at-the-time) per-capita murder capital of the U.S. (Richmond, VA) taught her a thing or two about the need for personal and home safety. Sally stays on top of all the latest gadgets and services to protect her and her teenage daughters from potential predators and thieves. And she brings this knowledge to every article she writes.

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