USI Affinity Travel Insurance Services Review

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.

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.

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.

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.