USI Affinity Travel Insurance 2025 Review: Pros, Cons and Alternatives

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.

Business Insider compared USI Affinity travel insurance to the best travel insurance companies and found it to be a very mixed option, with relatively high premiums. However, USI single-trip policies don’t have age limits and offers some specialty coverages.

USI Affinity Travel Insurance Pros and Cons

USI Affinity Travel Insurance Pros

• Strong coverage for medical expenses while traveling
• No age limit for trip cancellation policies
• Specialty coverage (for things like hurricanes and other weather events) available
• Rental car damage is included with Plus and Elite plans, instead of optional

USI Affinity Travel Insurance Cons

• Relatively high premiums
• No adventure sports coverage
• Preexisting condition coverage unavailable for cheapest plan
• CFAR coverage reserved for most expensive plan
• Baggage delay benefits take 12 hours to kick in after claim is submitted

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USI Affinity Travel Insurance Overview

USI Affinity offers three tiers of single-trip travel insurance and two annual multi-trip insurance plans.

Additionally, USI Affinity’s travel cancellation plans are some of the most flexible we’ve encountered. Its policies functionally have no age limit (the age limit is set at 119-years-old).

While USI Affinity has one of the highest age caps we’ve seen for travel insurance, it’s not only expensive relative to the best travel insurance companies for seniors, but generally expensive for all age groups.

Additionally, USI Affinity’s single trip coverage lacks adventure sports medical coverage, making this policy less attractive for younger travelers who are traveling to adventure destinations for activities like skiing or surfing. However, its annual plans are a little more forgiving.

USI Affinity Travel Insurance Plans and Coverage

USI Affinity has three plans: Basic, Plus, and Elite. Basic offers lighter protection, with trip cancellation for trips that cost under $15,000 per person.

USI Affinity also offers a multi-trip option called Voyager Annual Travel Insurance that provides primary travel medical insurance coverage for people taking multiple trips less than 30 days long throughout the year.

USI Affinity offers two tiers of coverage: Silver and Gold. Gold has higher coverage limits and some additional coverage, such as political and natural disaster evacuation that Silver lacks. 

You can find the full plan breakdown here.

USI Affinity Travel Insurance Additional Coverage Plans

Aside from the trip cancellation and annual travel insurance plans, USI Affinity offers several medical-only travel insurance plans that can last for up to 12 months. It also offers a road trip plan, that offers car-specific protections and other coverage you may need on a road trip.

WorldMed: Medical expense and evacuation insurance for people traveling outside their home country for five to 365 days.

InterMedical: Medical expense and evacuation insurance for people traveling outside the U.S. or their home country for five to 365 days.

VisitUSA-HealthCare: Travel medical insurance for visitors to the U.S. who need health insurance. 

StudyUSA-HealthCare: Travel medical insurance for international students who are studying in the U.S.

Road Trip Insure: Road trip-specific protections like vehicle breakdown and disablement, vehicle return, and rental car damage.

USI Affinity Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you’ll get an instant quote for USI Affinity plans available for your trip. And from there, it’s easy to compare each option based on your coverage needs and budget.

Now let’s look at a few examples to estimateUSI Affinity coverage costs.

A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following
travel insurance quotes:

• Travel Insurance Select Basic: $126.60
• Travel Insurance Select Plus: $158.70
• Travel Insurance Select Elite: $229.50 (+$94.80 for CFAR)

Premiums for USI Affinity plans are between 3.1% and 5.2% of the trip’s cost, well within the average cost of travel insurance.

USI Affinity provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Travel Insurance Select Basic: $168.80
• Travel Insurance Select Plus: $211.60
• Travel Insurance Select Elite: $306.00 (+$126.40 for CFAR)

Once again, premiums for USI Affinity plans are between 4.2% and 7.65% of the trip’s cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Travel Insurance Select Basic: $847
• Travel Insurance Select Plus: $1,204
• Travel Insurance Select Elite: $1,570 (+$630 for CFAR)

Quotes for this trip cost between 4.2% and 7.85%, within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Travel Insurance Select Basic: $520.20
• Travel Insurance Select Plus: $571.20
• Travel Insurance Select Elite: $828.60 (+$339 for CFAR)

Premiums for USI Affinity plans for older-age travelers are between 8.7% and 13.8%, which is well within the average cost for travel insurance. While it’s certainly more expensive than coverage for younger travelers, it’s on the lower end of what travel insurance companies often quote for older travelers. 

USI Affinity Travel Insurance Annual Plan Cost

USI Affinity’s annual multi-trip plans offers the following premiums for a 35-year old traveler from Ohio:

Silver plan: $100

Gold plan: $332

From experimenting with the quote tool, USI Affinity’s Voyager Gold plan’s premiums stay consistent regardless of the age of the traveler, but its Silver plan can fluctuate.

How to Purchase and Manage a USI Affinity Travel Insurance Policy

To purchase a policy from USI Affinity, you’ll need to obtain a quote from its website. You’ll need to be prepared to provide the following details about your trip:

• State of residence
• Destination country
• Departure/Return dates
• Initial deposit date and final payment date
• Traveler(s) date of birth
• Trip cost (per person)
• Organization you’re traveling with (if applicable)

Once you add this information, you’ll be taken to the quotes page, where you will be able to add optional CFAR coverage to Plus and Elite policies. While you’ll only be able to purchase insurance for trips under 90 days online, you can call customer service at 1-800-937-1387 if you want coverage for longer trips, up to one year. 

USI Affinity policies have a 15-day free-look period in which you can cancel your policy and receive a full refund, as long as you haven’t departed for your trip already or filed a claim.

How to File a Claim with USI Affinity Travel Insurance

USI Affinity 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 form
• Baggage claim form
• Medical claim form
• Rental collision claim form
• Trip cancellation | trip interruption | travel delay | missed connection claim form

You can also call USI Affinity at 1-855-874-0255 or email [email protected].

You’ll want to file claims as soon as possible, specifically if you’re filing for trip cancellation or interruption, to avoid non-covered charges due to late reporting.

USI Affinity Travel Insurance Customer Reviews and Ratings

The majority of USI Affinity reviews live on its SquareMouth page, receiving an average of 4.07 stars out of five. While recent customer reviews were very complimentary of both the buying and claims process at USI Affinity, some reviews mention unprofessional and uncommunicative claims agents as well as long wait times.

It’s also worth mentioning that reviews on SquareMouth are generally inflated. The worst-reviewed provider is Azimuth Risk Solutions, with an average score of 3.92 while the highest provider is GeoBlue, with a 4.64. With this context, we actually see that USI Affinity is on the lower end of rated providers.

For travel assistance and bag return assistance, USI Affinity works with two companies: On Call International and Blue Ribbon Bags. Both companies received middling reviews online. On Call International received an average of 2.8 stars on Yelp while Blue Ribbon Bags received 1.8 stars on Trustpilot.

For a wider picture of USI Affinity’s services, let’s look at third-party reviews.

The National Association of Insurance Commissioners’ complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

USI Affinity single trip policies are underwritten and insured by United States Fire Insurance Company, which scored 0.27, indicating that it has far fewer complaints than expected.

United State Fire Insurance Company’s parent company, Crum and Forster has an A (Excellent) Financial Strength Rating from AM Best, indicating it is likely to uphold its financial obligations, like paying claims.

Starr Indemnity & Liability Company underwrites USI Affinity’s annual plans. It received a 0.34 Company Complaint Index score from the NAIC and received an A (Excellent) Financial Strength Rating from AM Best.

USI Affinity Travel Insurance Alternatives

Learn more about how USI Affinity Travel Insurance compares to the competition. 

USI Affinity Travel Insurance vs Allianz Travel Insurance

Allianz Travel Insurance is a popular competitor to USI Affinity as it serves 55 million travelers everywhere. Unlike USI Affinity, Allianz Travel Insurance offers multiple plans to customize your trip’s insurance plan. Allianz Travel Insurance 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 Insurance 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.

Read our Allianz travel insurance review.

USI Affinity Travel Insurance vs Trawick Travel Insurance

Another large competitor is Trawick International Travel Insurance. The company offers baggage protection for up to $2,000 compared to USI Affinity’s $300 or $500 coverage options.

According to the company website, Trawick International Travel Insurance also offers cruise insurance plans and adventure travel insurance covering over 500 different activities. It highlights benefits such as unlimited trip cancellation coverage.

Read our Trawick travel insurance review.

Why You Should Trust Us: How We Reviewed USI Affinity Travel Insurance

To evaluate USI Affinity travel insurance, Business Insider reviewed the following factors.

Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.

Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, many companies offer preexisting condition waivers, but reserve this benefit for more expensive plans. USI Affinity doesn’t include preexisting condition coverage for its Plus and Elite plans, but excludes coverage for its Basic plan.

Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.

Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.

Unique features: We look to see if a company has any unique features or benefits.

Read more about Business Insider’s travel insurance ratings methodology.

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