USI Affinity Travel Insurance Review 2024

USI Affinity Ruby plan: The Ruby plan is the highest-scoring USI Affinity plan in our best travel insurance ratings. This policy provides robust coverage with $250,000 emergency medical primary coverage and medical evacuation coverage of $500,000 per person. It provides $1,000 in travel delay and baggage insurance benefits, and offers a “cancel for any reason” upgrade.

USI Affinity Travel’s Diamond plan: The Diamond plan is USI Affinity’s highest coverage plan with $500,000 emergency medical and $1 million medical evacuation coverage. It provides very good travel delay coverage of $1,500 per person and superior baggage loss coverage of $2,500 per person. It also has good missed connection coverage for tours and cruises of $1,500 per person after a 3-hour delay. It earned 3.5 stars in our best travel insurance company ratings but had a slightly lower score than the Ruby plan.

Global Travel Care 360 plan: This plan is for non-U.S. residents. It covers trip cancellation, emergency medical treatment, emergency medical evacuation, lost and delayed luggage and travel delays and missed departures.

InterMedical Insurance plan: This is a travel insurance plan for international travelers and offers coverage for medical emergencies outside your home country. It includes coverage for Covid-related medical expenses.

StudyUSA-HealthCare plan: This is a health insurance plan for international students. It provides illness and medical expense protection, emergency health care, 24-hour assistance services and emergency medical evacuation.

Travel Insurance Select plan: This plan’s benefits include trip cancellation, trip interruption, 24-hour access to emergency assistance, medical evacuation and missed connections.

Trip Care Complete plan: With three levels of coverage, you can use this plan to fit your travel insurance needs and budget. Benefits include trip cancellation, trip interruption and 24-hour access to emergency assistance.

Visit USA-HealthCare plan: This plan is for people who need health insurance coverage while visiting the United States. All plans come with Covid-19 coverage and emergency medical evacuation coverage.

Voyager Annual Insurance plan: This is an annual plan that can cover multiple trips over a year. It provides travel medical insurance and two levels of coverage based on your need and budget. Each plan includes coverage for medical expenses, emergency medical evacuation and lost checked baggage.

WorldMed Insurance plan: This flexible medical insurance plan is for people traveling or living outside their home countries. It covers travelers up to age 64. Benefits include coverage for medical emergencies, medical evacuations and Covid-19.

Worldwide Group Protector plan: This option provides medical coverage for groups traveling abroad. Groups as small as five can be covered. Benefits include coverage for medical expenses in case of hospitalization, emergency medical evacuation and luggage.

Because benefits vary among USI Affinity Travel insurance policies, prices vary as well. Here are examples of costs for the USI Affinity Ruby plan:

Travelers and trip	Cost per trip for the USI Affinity Ruby policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$110
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$324
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$692
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$692
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$692
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$420
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$284

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USI Affinity Travel’s plans include access to their 24/7 travel assistance hotline. The company has emergency assistance for travelers inside and outside the United States. Lost passports, weather concerns, and finding a physician are just some of the assistance available.

All travel insurance plans contain exclusions, so it’s a good idea to review the fine print of your plan. Here are some examples of exclusions for USI Affinity Travels’ Diamond plan:

• Dental treatment except as a result of an accidental injury to sound natural teeth or emergency dental treatment for relief of pain
• Being intoxicated above the legal limit or under the influence of drugs unless prescribed by a physician
• Mental or emotional disorders, unless hospitalized
• Any non-emergency treatment or surgery
• Routine physical examinations, hearing aids, eye glasses, contact lenses
• Participation as a professional athlete, participation in organized amateur or interscholastic athletics or competitions or events
• Piloting or learning to pilot or acting as member of a crew on an airplane
• Suicide, attempted suicide or any intentionally self-inflicted injury
• Care or treatment that is not medically necessary, such as a facelift

USI Affinity Travel Insurance Services has different claim forms depending on the type of claim. Make sure you look at what supporting documentation you need for a complete claim.

We analyzed travel insurance policies that include “cancel for any reason” coverage. We scored 23 policies on the following:

Cost (75% of score): Average prices for CFAR policies are based on rates for seven different trips for a variety of traveler ages and trip costs:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

CFAR reimbursement level of trip cost: (25% of score): Policies providing 75% reimbursement were awarded points.