Insider's specialists select one of the best services and products to assist make good selections together with your cash (right here’s how). In some instances, we obtain a fee from our our companions, nonetheless, our opinions are our personal. Phrases apply to affords listed on this web page.
In case you're taking a visit via a journey company, college, or different firm, USI Affinity journey insurance coverage is a journey insurance coverage firm price contemplating. To request a quote, you choose the group you're touring with, the place you're touring to, the state you reside in, and your identify and date of beginning. Then USI Affinity will choose the proper journey plan for you.
Journey insurance policy from USI Affinity
USI Affinity journey insurance coverage has two plans: Diamond and Ruby. Diamond is designed for vacationers who need higher-end safety. Ruby is for many who need among the similar protections however with out the upper limits (and value) of Ruby.
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Ruby |
Diamond |
|
|
COVID-19 cancellation |
Included in journey cancellation & interruption |
Included in journey cancellation & interruption |
|
Journey cancellation |
100% of journey price |
100% of journey price |
|
Journey interruption |
150% of journey price |
150% of journey price |
|
Hurricane & climate |
Widespread provider delay for 48 hours Obligatory evacuation conditionally lined Lodging made uninhabitable Have to be bought earlier than storm is known as |
Widespread provider delay for 48 hours Obligatory evacuation conditionally lined Lodging made uninhabitable Have to be bought earlier than storm is known as |
|
Terrorism |
Lined for overseas and home |
Lined for overseas and home |
|
Monetary default |
Lined after 14-day wait if bought inside 14 days of journey deposit |
Lined after 14-day wait if bought inside 14 days of journey deposit |
|
Employment layoff |
Lined – if employed for 3 years |
Lined – if employed for 3 years |
|
Different medical cancellations |
Included in journey cancellation and journey interruption |
Included in journey cancellation and journey interruption |
|
Cancel for any motive |
Optionally available protection This profit is separate from journey cancellation |
Optionally available protection This profit is separate from journey cancellation |
|
Medical protection for COVID-19 |
Included in emergency medical |
Included in emergency medical |
|
Emergency medical |
$250K/particular person Major protection |
$500K/particular person Major protection |
|
Preexisting Situation |
Lined if bought inside 14 days of journey deposit |
Lined if bought inside 14 days of journey deposit |
|
Evacuation medical evacuation & repatriation |
$500K/ particular person |
$1M/particular person |
|
Loss or delay extension Of protection |
Protection can prolong as much as 7 days Protection for medical quarantine included |
Protection can prolong as much as 7 days Protection for medical quarantine included |
|
Journey delay |
$1K/particular person $150 every day restrict Lined after 6-hour delay |
$1.5K per particular person $250 every day restrict Lined after 6-hour delay |
|
Baggage delay |
$300/ particular person $300 every day restrict Lined after 12-hour delay |
$500/particular person $500 every day restrict Lined after 12-hour delay |
|
Baggage & private objects loss |
$1K per particular person $250/merchandise $500 particular objects restrict |
$2K per particular person $300/merchandise $500 particular objects restrict |
|
Missed Connection |
$750/particular person Lined after 3-hour delay Cruise and tour solely |
$1.5K/particular person Lined after 3-hour delay Cruise and tour solely |
|
24-hour unintentional dying |
$15K/particular person |
$50K/particular person |
|
Flight-only unintentional dying |
No protection |
$10K/particular person |
|
Sports activities & actions |
Lined Limitations apply |
Lined Limitations apply |
|
Sports activities Charges |
Included in cancellation & interruption |
Included in cancellation & interruption |
|
Rental automotive harm |
No protection |
$1K coverage restrict $100 deductible/coverage |
|
A reimbursement assure |
Free look as much as 14 days after buy |
Free look as much as 14 days after buy |
|
24-hour help service |
24-hour help supplied |
24-hour help supplied |
How a lot does journey insurance coverage from USI Affinity price?
For a single traveler taking a week-long journey in Europe throughout low season journey at a price of $2,500 per particular person, Ruby is $96, and Diamond is $116. Estimated prices are beneath 10% of the journey price. The identical journey for a household of 4 is a little more costly at $552 for Diamond and $472 for Ruby. Even for this $10,000 journey, the USI Affinity journey insurance coverage premium remains to be beneath 10% of the journey's complete price.
How do I file a declare with USI Affinity journey insurance coverage?
USI Affinity journey insurance coverage makes it simple to file a declare via its web site. On the web site, it states, "To file a declare in your journey insurance coverage plan, please obtain and print the suitable declare type beneath, and submit it to the deal with indicated on the shape" together with the next types:
- Unintended dismemberment declare type
- Baggage declare type
- Medical declare type
- Rental collision declare type
- Journey cancellation | journey interruption | journey delay | missed connection declare type
You may as well name USI at 1-855-874-0255 or e-mail explorer@travelinsure.com.
Evaluate USI Affinity journey insurance coverage vs Allianz Journey
Allianz is a well-liked competitor to USI Affinity journey insurance coverage because it serves 55 million vacationers all over the place. Not like USI Affinity, Allianz Journey affords a number of plans to customise your journey's insurance coverage plan. Allianz has over 10 plans to select from with totally different options. So you may select what's greatest for you and your loved ones. These plans embody single journey, annual journey, and rental automotive insurance coverage.
One other factor unique to Allianz Journey is its OneTrip Prime plan. It affords free protection for vacationers beneath 17 when touring with a father or mother or grandparent. USI Affinity makes no such claims.
Evaluate USI Affinity journey insurance coverage vs Trawick Worldwide
One other massive competitor is Trawick Worldwide journey insurance coverage. The corporate affords baggage safety for as much as $2,000 in comparison with USI Affinity journey insurance coverage's $300 or $500 protection choices.
In line with the corporate web site, Trawick additionally affords cruise insurance policy and journey journey insurance coverage overlaying over 500 totally different actions. It highlights advantages similar to limitless journey cancellation protection.
Evaluate USI Affinity vs bank card journey rewards
Bank cards is usually a nice different to USI Affinity journey insurance coverage. Make certain your bank card firm affords journey safety earlier than your journey. Additionally, take note, bank card journey protections might not be as complete as an insurance coverage coverage.
For instance, you may be capable to get reimbursed for a flight on a bank card, however provided that you paid for the flight with the bank card. In case you paid for the flight in money or with a debit card, your bank card isn't going to reimburse you. USI Affinity will. You simply have to submit a type.
Having extra journey insurance coverage isn’t a foul possibility. Some vacationers have playing cards just like the Chase Sapphire Reserve, which affords baggage delay safety. USI may add medical protection, AD&D, lodge and flight protection after a lined occasion, and extra. It doesn’t matter what card you might have, test to see what journey advantages your card affords. You may stack journey advantages to make sure you're lined in your journey so long as you employ your bank card to buy all of your bills.
Methodology
In creating this evaluate of USI Affinity journey insurance coverage, we checked out aggressive journey insurance coverage merchandise and in contrast protection, value factors, exclusions, and extra. Then we thought-about what bank card advantages may complement USI Affinity journey insurance coverage's journey insurance coverage plan.
Each journey insurance coverage product has its professionals and cons. Our purpose is to shine a light-weight to assist customers make knowledgeable selections based mostly on all of the info. We all know how necessary insurance coverage is when touring with peace of thoughts.
FAQs
Are you able to get USI Affinity journey insurance coverage for worldwide flights?
USI Affinity journey insurance coverage covers worldwide flights and worldwide journey plans. You simply need to let the corporate know the place you're going, what number of passengers, and your estimated journey prices.
Do you get your a reimbursement with USI Affinity journey insurance coverage?
You don't get the cash you paid in your journey insurance coverage again with USI Affinity except you file a declare for a qualifying occasion. You'll need to go to the web site to fill out paperwork or name USI Affinity at 1-855-874-0255.
Can you purchase journey USI Affinity journey insurance coverage after to procure your flight ticket?
Sure, you should purchase USI Affinity journey insurance coverage after you've purchased your ticket. USI will ask you when you've paid in your journey in full or when you're nonetheless making funds on it as a part of the journey insurance coverage buying workflow. Evaluate your choices early to seek out one of the best journey insurance coverage coverage in your subsequent journey.
