Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
If you’re taking a trip through a travel agency, university, or other company, USI Affinity travel insurance is a travel insurance company worth considering. To request a quote, you select the organization you’re traveling with, where you’re traveling to, the state you reside in, and your name and date of birth. Then USI Affinity will select the right travel plan for you.
Travel insurance plans from USI Affinity
USI Affinity travel insurance has two plans: Diamond and Ruby. Diamond is designed for travelers who want higher-end protection. Ruby is for those who want some of the same protections but without the higher limits (and cost) of Ruby.
Ruby
Diamond
COVID-19 cancellation
Included in trip cancellation & interruption
Included in trip cancellation & interruption
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
Covered for foreign and domestic
Covered for foreign and domestic
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
Covered – if employed for 3 years
Covered – if employed for 3 years
Other medical cancellations
Included in trip cancellation and trip interruption
Included in trip cancellation and trip interruption
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
Covered if purchased within 14 days of trip deposit
Covered if purchased within 14 days of trip deposit
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
Included in cancellation & interruption
Included in cancellation & interruption
Rental car damage
$100 deductible/policy
Money back guarantee
Free look up to 14 days after purchase
Free look up to 14 days after purchase
24-hour assistance service
How much does travel insurance from USI Affinity 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 USI Affinity travel insurance premium is still under 10% of the trip’s total cost.
How do I file a claim with USI Affinity travel insurance?
USI Affinity travel insurance makes it easy to file a claim through its website. On the website, it states, “To file a claim on your travel insurance plan, please download and print the appropriate claim form below, and submit it to the address indicated on the form” along with the following forms:
Accidental dismemberment claim formBaggage claim formMedical claim formRental collision claim formTrip cancellation | trip interruption | travel delay | missed connection claim form
You can also call USI at 1-855-874-0255 or email [email protected].
Compare USI Affinity travel insurance vs Allianz Travel
Allianz is a popular competitor to USI Affinity travel insurance as it serves 55 million travelers everywhere. Unlike USI Affinity, Allianz Travel offers multiple plans to customize your trip’s insurance plan. Allianz has over 10 plans to choose from with different features. So you can choose what’s best for you and your family. These plans include single trip, annual trip, and rental car insurance.
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.
Compare USI Affinity travel insurance vs Trawick International
Another large competitor is Trawick International travel insurance. The company offers baggage protection for up to $2,000 compared to USI Affinity travel insurance’s $300 or $500 coverage options.
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.
Compare USI Affinity vs credit card travel rewards
Credit cards can be a great alternative to USI Affinity travel insurance. Make sure your credit card company offers travel protection before your trip. Also, keep in mind, credit card travel protections may not be as comprehensive as an insurance policy.
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.
Methodology
In creating this review of USI Affinity travel insurance, we looked at competitive travel insurance products and compared coverage, price points, exclusions, and more. Then we considered what credit card benefits could complement USI Affinity travel insurance’s travel insurance plan.
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.
FAQs
Can you get USI Affinity travel insurance for international flights?
USI Affinity travel insurance covers international flights and international travel plans. You just have to let the company know where you’re going, how many passengers, and your estimated trip costs.
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.