USI Affinity travel insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 8:04 a.m. UTC March 12, 2024
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Pros
- Best-in-class 75% “cancel for any reason” upgrade available.
- Good extension of coverage that includes medical quarantine.
- Good emergency medical primary coverage of $250,000 per person.
Cons
- Middling baggage delay and baggage loss coverage.
- No “interruption for any reason” upgrade available.
- No coverage if you need to cancel your trip for work reasons.
Why trust our travel insurance experts
Our travel insurance experts evaluate hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 1,855 coverage details evaluated.
- 567 rates reviewed.
- 5 levels of fact-checking.
USI Affinity overview
USI Affinity sells a wide range of travel and travel medical insurance, with a focus on group and corporate travel. To get single-trip travel insurance, you need to buy a policy through the travel insurance comparison site Squaremouth or from a USI Affinity agent.
USI Affinity travel insurance plans
USI Affinity offers two single-trip travel insurance plans: Ruby and Diamond. Both plans all come with 24/7 worldwide assistance services in any language. Coverage for COVID-19 is included in trip cancellation and interruption benefits. To get these plans, you may have to go through Squaremouth or contact a USI Affinity travel insurance agent.
Ruby
The USI Affinity Ruby plan gets 3.5 stars in our analysis of the best travel insurance companies. It offers medium- to high-level coverage at a competitive price. The Ruby plan includes the following coverages:
- Emergency medical evacuation: $500,000.
- Emergency medical: $250,000.
- Trip cancellation: 100% of eligible trip costs.
- Trip interruption: 150% of eligible trip costs.
- “Cancel for any reason” CFAR (optional): Reimburses up to 75% of eligible trip costs.
This plan also includes other coverages like baggage loss or delay, travel delay, missed connections and 24-hour accidental death and dismemberment.
You can also get a pre-existing medical condition exclusion waiver if you purchase a Ruby plan within 14 days of your initial trip deposit and you are not disabled to the point you can’t travel. Travel insurance typically doesn’t cover pre-existing conditions, but may cover them with this waiver.
Diamond
USI Affinity Diamond plan gets 3 stars in our rating of the best travel insurance companies, and it offers more medical evacuation coverage than the Ruby plan.
- Emergency medical evacuation: $1 million.
- Emergency medical: $500,000.
- Trip cancellation: 100% of eligible trip costs.
- Trip interruption: 150% of eligible trip costs.
- “Cancel for any reason” CFAR (optional): Reimburses up to 75% of eligible trip costs.
It also includes excellent missed connection coverage for tours and cruises of $1,500 per person after a 3-hour delay, travel delay coverage of $1,500 per person and baggage loss coverage of $2,500 per person. This plan also includes a pre-existing medical condition exclusion waiver.
USI Affinity policy rates
USI Affinity travel insurance costs vary depending on several factors including the travel destination, length of the trip, cost of the trip and the traveler’s age. We used a number of different factors for USI Affinity Ruby plans to give you an example of how these prices vary.
| TRIP | COST OF RUBY PLAN |
|---|---|
Two travelers aged 30 | $110
|
Two travelers aged 30 | $165
|
Two travelers aged 70 | $284
|
Two travelers aged 40 | $324
|
Two travelers aged 65 | $420
|
Two travelers aged 70 | $426
|
Two travelers aged 40 | $486
|
Two travelers aged 65 | $630
|
Four travelers aged 40, 40, 10 and 7 | $692
|
Four travelers age 40, 40, 10 and 7 | $1,038
|
What doesn't USI Affinity cover?
USI Affinity’s travel insurance policies do not cover everything. This is common in the travel insurance space, which is why it is alway a good idea to check your policy’s coverage before purchasing. Some examples of what USI Affinity’s Diamond plan does not cover include:
- Dental treatment (except as a result of an accidental injury or emergency dental treatment for relief of pain).
- Intoxication beyond the legal limit or under the influence of drugs (unless prescribed by a physician).
- Mental or emotional disorders (unless hospitalized).
- Non-emergency treatment or surgery.
- Participation as a professional athlete, participation in organized amateur or interscholastic athletics or competitions or events.
- Piloting or learning to pilot or acting as a member of a crew on an airplane.
- Routine physical examinations, hearing aids, eye glasses, contact lenses.
- Suicide, attempted suicide or any intentionally self-inflicted injury.
Learn more: What travel insurance does and doesn’t cover
Additional travel insurance plans offered by USI Affinity
In addition to the Ruby and Diamond travel insurance plans, USI Affinity offers travel insurance designed for non-U.S. citizens, international students, medical-only coverage, groups and corporate travelers.
Global Travel Care 360
For non-U.S. citizens, USI Affinity offers a travel insurance plan that covers all the basics such as trip cancellation, emergency medical treatment, emergency medical evacuation, lost and delayed luggage and travel delays and missed departures.
It also includes non-medical evacuation, hospital cash benefits and accidental death and dismemberment coverage. Each trip you take with the Global Travel Care 360 plan cannot exceed 42 days.
InterMedical Insurance
USI Affinity designed this plan for international travelers who need medical protection outside the United States. This plan can cover things like medical emergency treatment, hospitalization and medical evacuation. It also includes coverage for eligible COVID-19 expenses. With three coverage limits and four deductibles, you can customize your plan.
The medical protection plan can cover you if you will be outside of the U.S. for five to 364 days.
StudyUSA-HealthCare
This health care plan for international students helps you meet school requirements for medical insurance. Coverage includes 30 to 364 consecutive days of illness and medical expense protection, emergency health care, 24-hour assistance services and emergency medical evacuation.
Visit USA-HealthCare
As the name states, this plan offers travel health insurance for those who need coverage while visiting the United States. Travelers can choose between three levels of deductible amounts. All plans feature a coverage period of 5 to 364 days.
Voyager Annual Insurance Silver
For frequent travelers, USI Affinity offers two annual travel medical insurance plans for 12 months of protection. While it does not provide trip interruption or cancellation coverage, the Voyager Annual Insurance Silver plan includes $50,000 in primary medical coverage per person and $100,000 in emergency evacuation per person.
It also includes emergency dental, accidental death and dismemberment and bag delay and lost baggage coverage.
You can qualify for the Voyager Annual Insurance Silver plan if you’re a U.S. resident traveling 100 miles outside of your permanent U.S. address for up to 90 days. This plan is not available to Virginia residents.
Voyager Annual Insurance Gold
This annual plan bumps up the primary medical coverage to $250,000 per person and the emergency evacuation coverage to $250,000 per person. Unlike the Silver plan, it also includes political and natural disaster evacuation coverage of $100,000 per person. While it still does not include trip cancellation coverage, it does offer $5,000 per person in trip interruption coverage.
The Gold plan also includes delayed and lost baggage, dental emergency and accidental death and dismemberment coverage.
WorldMed Insurance
This flexible medical insurance plan is for people 64 years old or younger traveling through or living in a foreign country for an extended period of time. The customizable plans provide coverage for medical emergencies, evacuations, repatriations, dental emergencies and more.
Worldwide Group Protector
The Worldwide Group Protector plan provides international coverage for groups of five or more. This plan was created for tour groups, corporate groups, missionary groups, high school bands, social organizations and more. Benefits include medical expenses, emergency medical evacuation, natural disaster and political evacuation, lost checked baggage and sports coverage.
Compare the best travel insurance companies of 2024
| TRAVEL INSURANCE COMPANY | TOP-SCORING PLAN | OUR RATING | MEDICAL BENFITS PER PERSON | EVACUATION LIMITS PER PERSON | LEARN MORE | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 WorldTrips | Atlas Journey Elevate | $250,000 primar coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
| ||||||||||||
 Travel Insured International | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | ||||||||
| ||||||||||||
| Classic | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Travel Select | $50,000 primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Travel Guard Preferred | $50,000 Primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Cruise Choice | $100,000 secondary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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Methodology
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.
Insurers could score up to 100 points based on the following factors:
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
- Preexisting medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover preexisting medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
- Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
- Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
- Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.
USI Affinity travel insurance review FAQs
Yes, USI Affinity Ruby and Diamond travel insurance plans covers international flights and travel plans. Both the USI Affinity Ruby plan and the USI Affinity Diamond plan include coverage for trip interruptions, trip cancellations, missed connections and more.
Yes, you can purchase USI Affinity trip insurance after already buying your flight. In fact, you may purchase coverage any time prior to your trip departure. However, some plans may include time sensitive benefits so it is always important to check when the initial trip payment or deposit is due to receive maximum plan benefits.
Yes, USI Affinity offers optional “cancel for any reason” (CFAR) coverage on certain travel insurance plans. CFAR coverage will reimburse 75% of prepaid, forfeited, non-refundable payments for the insured trip if the trip is canceled 48 hours or more before the departure date. CFAR coverage is not available to New York residents.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
