USI Affinity Travel Insurance Services Review

Rating: 8.2 / 10 (Excellent)
Disclosure: We receive advertising revenue from some partners. Learn more.
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.

How is USI Affinity Travel Insurance Services rated?


Plans & Coverage
Customer Assistance Services
Financial Strength

Overall Rating: 8.2 / 10 (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

Plans & Coverage - 8 / 10

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
Trip Cancelation/ Interruption
Accidental Death
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)
Medical Coverage
Doctor, Hospital, or Other Licensed Provider
Emergency Medical Evacuation/Repatriation
Transport Family Member to Bedside
Transport Children Home
Baggage Coverage
Baggage Delay Coverage

Medical Coverage Details

Pre-Existing Coverage
Maximum Medical Reimbursement
Maximum Medical Evacuation Reimbursement

Baggage Coverage Details

Maximum Baggage Reimbursement
Maximum Baggage Reimbursement
Valuable Item Limit

USI Affinity Travel Insurance Services Financial Strength

Financial Strength - 7 / 10

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.
United States Fire Insurance Company
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

USI Affinity Travel Insurance Services Reputation

Reputation - 7 / 10

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
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected

USI Affinity Travel Insurance Services Customer Assistance Services

Customer Assistance Services - 10 / 10

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

Medical Assistance Services

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

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation
  • Weather Advisories
  • Gift Delivery
Display Less
1 More

Homepage URL
Company Phone
(800) 937-1387
Headquarters Address
1 International Plaza, Suite 400, Philadelphia, PA, 19113

Top Rated
Our Partner
10 / 10
  • Our #1 choice for travel insurance – A+ BBB accredited
  • Safe & secure checkout with instant coverage confirmation
  • Best price guarantee – compare policies with confidence!
  • Large network of leading travel insurance providers
  • Member of the US Travel Insurance Association (UStiA)