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USI Affinity Travel Insurance Services Review


ConsumersAdvocate.org Rating: 4.1 / 5 (Excellent)
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Established in 1973, USI Affinity Travel Insurance Services provides a range of travel insurance products for individual and group travelers.

They also offer medical-only insurance plans for people traveling to and from the United States, people living outside of their home countries, and people studying abroad.
 
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How is USI Affinity Travel Insurance Services rated?

Breakdown

4.0/5
Coverage
5.0/5
Extra Benefits
3.5/5
Financial Strength
3.5/5
Price & Reputation

Overall Rating: 4.1 / 5 (Excellent)

USI Affinity Travel Insurance Services offers three levels of coverage for the average traveler, as well as additional travel insurance and medical insurance products for other types of travelers.

The benefits included in their Travel Insurance Select product are up to par with the rest of the industry, but the high cost of insurance and the lack of ability to file claims online are disappointing.

USI Affinity Travel Insurance Services Plans & Coverage

Coverage - 4 / 5

USI Affinity Travel Insurance Services offers an extensive range of travel insurance and medical insurance products, including travel insurance for people studying abroad and for groups of people, and medical insurance for travelers visiting or living abroad.

For the purposes of comparison, this review will focus on the Travel Insurance Select product, which is their comprehensive travel insurance product for people traveling outside of the United States.

The Travel Insurance Select product is divided into three levels of coverage: Basic, Plus, and Elite.

The Elite plan is the most comprehensive, and it features most standard benefits in addition to the Collision Damage benefit, which covers the cost of damages to a car you rent while traveling.

If you choose the Elite plan, you will also have the option of adding the Cancel For Any Reason benefit for an additional premium cost.

The coverage also includes a benefit for lost, stolen or damaged baggage and personal effects, but their definition of personal effects excludes phones and computers, which are some of the things travelers are most worried about losing when traveling.

The Basic plan excludes the option of adding a Cancel for Any Reason benefit, as well as the Collision Damage benefit.

It also does not have an Accidental Death and Dismemberment benefit, and the coverage amounts overall are reduced greatly when compared to the Elite plan.
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Group
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Injury/Illness/Death of Non Traveling Family Member
Natural Disaster at Destination
Tour Operator/Airline/Cruise Line Ceases Operation
Terrorism/Evacuation at Destination
Victim of Crime Prior to Trip
CFAR Coverage (Cancel for Any Reason)
Emergency Medical and Emergency Transportation Coverage
Doctor, Hospital, or Other Licensed Provider
Dental
Emergency Medical Evacuation/Repatriation
Transport Family Member to Bedside
Transport Children Home
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage
Exclusions
click here

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$150,000
Maximum Emergency Medical Evacuation Reimbursement
$1,000,000

Baggage Coverage Details

Maximum Baggage Reimbursement
$2,500
Valuable Item Limit
$1,000

USI Affinity Travel Insurance Services Financial Strength

Financial Strength - 3.5 / 5

USI Affinity Travel Insurance Services' insurance products are underwritten by several companies.

The Travel Insurance Select product, which is the object of this review, is underwritten by United States Fire Insurance Company, which has positive financial strength ratings from the main credit rating agencies, and all agree its financial outlook is stable.
Underwriter
United States Fire Insurance Company
Standard & Poor's Financial Rating
A-
Moody's Financial Rating
Baa1
AM Best Financial Rating
A

USI Affinity Travel Insurance Services Price & Reputation

Price & Reputation - 3.5 / 5

USI Affinity Travel Insurance Services is an accredited business with the Better Business Bureau, with an A+ rating.

However, there are no reviews posted on their profile, and other online reviews of the company's policies are hard to come by.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
0
Date Collected
2018-01-16

USI Affinity Travel Insurance Services Customer Assistance Services

Extra Benefits - 5 / 5

USI Affinity Travel Insurance Services offers a wide range of non-insurance assistance services to help you during medical emergencies, as well as with the normal issues that come up during travel.

These services also include concierge-style offerings, which are up to par with the rest of the market.

Unlike other companies, customers are required to file claims by mail or over the phone.

This makes it rather inconvenient, especially for customers who need to file claims while traveling.
24/7 Support
Mobile App

Travel Assistance Services

  • Return Travel Arrangements
  • Lost Baggage Search
  • Lost Passport/Document Assistance
  • Emergency Cash
  • Translation Services
  • Up to the Minute Travel Advisories

Emergency Medical Assistance Services

  • Physician Referral
  • Emergency Medical Case Management
  • Emergency Prescription Replacement
  • Eyeglass Replacement Assistance
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1 More

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation Recommendations
  • Weather Advisories
  • Gift Delivery
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1 More
Homepage URL
https://www.travelinsure.com
Company Phone
(800) 937-1387
Headquarters Address
1 International Plaza, Suite 400, Philadelphia, PA, 19113

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Customer Comments & Reviews

Loading Reviews ...
L
Loren G
2/3/2019
Let USI know it is brokering for companies that do not pay its claims. It replied by saying, "we are just brokers." Brokers, maybe, but should not be selling bad policies to consumers. It is called INTEGRITY.

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