USI Affinity Journey Insurance coverage Providers is one among a number of journey insurance coverage firms focusing on promoting protection for vacationers planning totally different sorts of journeys.
Let’s have a look at its protection choices and price — plus different concerns to make — so you could find the proper plan for you.
What’s USI Affinity Journey Insurance coverage Providers?
USI Insurance coverage Providers is an insurance coverage firm based in 1994. It gives protection for regulation corporations, skilled legal responsibility in addition to journey organizations.
USI Affinity Journey Insurance coverage Providers is a subsidiary of USI Insurance coverage Providers that focuses on offering journey insurance coverage to teams and people, together with long-term vacationers, scholar vacationers and guests to the U.S.
USI Affinity journey insurance coverage
If you happen to’re not touring with a bunch or a journey group, USI Affinity Journey recommends its Journey Care Full insurance coverage choices. With it, you’ve three plans to select from: Primary, Plus and Elite. Listed here are the coverages provided by every coverage kind:
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Primary: The funds quote comes with 100% journey cancellation, 125% journey interruption, $10,000 medical bills, $25,000 medical evacuation and $500 baggage loss protection.
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Plus: This midrange plan covers 100% journey cancellation, 150% journey interruption, $50,000 medical bills, $500,000 medical evacuation and $1,000 baggage loss.
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Elite: The premium plan affords protection for 100% journey cancellation, 150% journey interruption, $250,000 medical bills, $500,000 medical evacuation and $2,500 baggage loss.
Let’s evaluate USI Affinity journey insurance coverage, the prices and protection inclusions for a 10-day journey to Sri Lanka that prices $2,500 for a 35-year-old traveler from Utah.
In our instance, the traveler is on a person journey, not a bunch tour.
Primary
Protection and limits for the Primary plan from USI Affinity embody:
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Journey delay: $100 per day, with a $500 most (kicks in after six hours).
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Journey cancellation: 100% of the journey value (with a $10,000 restrict).
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Journey interruption: 125% of the journey value.
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Baggage delay: $100 per day (with a $100 most restrict).
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Misplaced baggage: $250 per merchandise, mixed restrict of $500 for valuables, $500 whole restrict.
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Emergency medical evacuation: $25,000.
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Emergency accident and illness medical expense: $10,000.
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Unintentional loss of life and dismemberment: $10,000 (air solely).
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Repatriation of stays: $10,000.
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Rental automotive collision: N/A.
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Pre-existing medical situations waiver: Should be bought inside 14 days after your preliminary journey cost.
The plan value for our pattern journey to Sri Lanka is $123.
Plus
Protection and limits for the Plus plan from USI Affinity embody:
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Journey delay: $250 per day, with a $750 most (kicks in after six hours).
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Journey cancellation: 100% of the journey value (with a $25,000 restrict).
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Journey interruption: 150% of the journey value.
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Baggage delay: $100 per day (with a $300 most restrict).
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Misplaced baggage: $250 per merchandise, mixed restrict of $500 for valuables, $1,000 whole restrict.
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Emergency medical evacuation: $500,000.
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Emergency accident and illness medical expense: $50,000.
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Unintentional loss of life and dismemberment: $50,000 (air solely).
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Repatriation of stays: $250,000.
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Rental automotive collision: N/A.
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Pre-existing medical situations waiver: Should be bought inside 14 days after your preliminary journey cost.
This plan will set you again $135.
Elite
Protection and limits for the Elite plan from USI Affinity embody:
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Journey delay: $250 per day, with a $1,500 most (kicks in after six hours).
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Journey cancellation: 100% of the journey value (with a $30,000 restrict).
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Journey interruption: 150% of the journey value.
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Baggage delay: $200 per day (with a $500 most restrict).
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Misplaced baggage: $250 per merchandise, mixed restrict of $500 for valuables, $2,500 whole restrict.
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Emergency medical evacuation: $500,000.
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Emergency accident and illness medical expense: $250,000.
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Unintentional loss of life and dismemberment: $200,000 (air solely).
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Repatriation of stays: $250,000.
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Rental automotive collision: $5,000.
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Pre-existing medical situations waiver: Should be bought inside 14 days after your preliminary journey cost.
This degree of protection will value $187.
🤓Nerdy Tip
Count on to get the most effective bang in your buck with the Plus insurance coverage plan. For simply $12 greater than the Primary plan, the Plus plan gives increased protection limits in virtually each class over the Primary plan.
The Elite plan does have increased emergency accident and illness medical expense protection limits and affords renters collision waiver, however a lot of the different protection is on par with the Plus plan.
Amongst different professionals, journey delay protection kicks in after six hours on all plans, and journey interruption begins at 125% on the decrease plan and goes as much as 150% with the opposite two plans.
It’s additionally attainable to improve the plans with the Cancel For Any Motive add-on, which is able to cowl 75% of the journey value.
How one can get a quote from USI Affinity Journey Insurance coverage Providers
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Who’re you shopping for insurance coverage for? Myself and/or different vacationers or a bunch of greater than 5 folks?
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Are you touring to review exterior of your house nation?
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Are you a resident of the US or different nation?
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Are you touring inside the U.S.?
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Is your journey greater than 30 days?
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Are you touring with a tour group or different group?
Relying in your solutions, USI Affinity will advocate the proper kind of journey insurance coverage for you. For instance, the Journey Care Full is advisable for a person journey, and the Journey Insurance coverage Choose is healthier suited to a bunch journey.
Annual plans can be found for these dwelling overseas who’re involved about excessive medical prices. For instance, a WorldMed Insurance coverage plan covers journeys between 5 and 364 days and gives protection for political evacuation and terrorism.
As soon as the software program finds the most effective kind of plan, you’ll be redirected to a web page the place you possibly can request a quote. Fill out the shape together with your journey particulars, together with:
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What group you’re touring with.
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Preliminary deposit and remaining cost dates.
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Dates of beginning for vacationers.
The follow-up questions could fluctuate primarily based in your earlier solutions. When you fill out the shape, click on on the “Submit for quote” button and evaluate the quotes.
Is USI Affinity Journey Insurance coverage Providers price it?
Journey insurance coverage is a private resolution, and USI Affinity Journey Insurance coverage Providers might help you make it with its array of protection for every kind of vacationers.
Medical protection, journey safety and Cancel For Any Motive add-ons — USI Affinity has choices, and its intuitive software program makes it straightforward to search out the proper plan for you, which makes it price exploring.
How one can maximize your rewards
You desire a journey bank card that prioritizes what’s necessary to you. Listed here are our picks for the finest journey bank cards of 2023, together with these finest for: