Travel Insurance Services - USI

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USI-TIS

 

A subsidiary of USI Affinity.  They offer trip cancellation insurance, global visitors medical, and student travel insurance.

Their plans are mostly underwritten by United States Fire Insurance Company.

The specialize in providing travel insurance for Alumni Associations and Non-profit travel groups.  Unlike most travel insurance plans, their plans are rated based on a percentage of the travelers trip cost so therefore a small change in the trip cost will change the premium.

Originally located in Walnut Creek, CA., Travel Insurance Services was established in 1971 by Ralph Davis, a former tour operator.  Several years ago they were purchased by a national brokerage company, Bertholon-Rowland Corp. which merged into USI Affinity.  In September of 2012 they moved from Walnut Creek, CA to Columbus, OH.  USI Travel Insurance Services has sinced moved to Philadelphia, PA.  In March of 2017, USI was purchased by a partnership of KKR and CDPQ.

Located at: 1 International Plaza, Suite 400
                 Philadelphia, PA  19113

Reliability:  A+ Rating from BBB

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User reviews

3 reviews

Overall rating 
 
6.7
Customer Service 
 
7.0  (3)
Ease of understanding coverage 
 
6.3  (3)
Ease of submitting a claim 
 
N/A  (0)
Timeliness of claim payment 
 
N/A  (0)
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Ratings (the higher the better)
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How was you experience at buying the policy?
Ease of understanding coverage
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Ease of submitting a claim
How easy was it to submit a claim including completing any claim forms?
Timeliness of claim payment
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Comments
Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

Fraudulent Business Practices

I gave USI Affinity a single star because that's what fraudulently misleading customers deserves. I needed to ensure travel to Turkey, a country for which the US State Department has issued a Travel Advisory. I discussed a plan over the phone with a rep to cover me for medical as well as death and disability, and one that would cover me in the event of claims resulting from terrorism or war. There was no misunderstanding.

I paid for the policy and received an email with the details of my policy, which include an Exclusions section that states that my claim would be invalidated if a Travel Advisory exists. Furthermore, claims deriving from war are not covered, and there was a ceiling on payout for 1/20 the amount of medical insurance that I had paid for in the event of claims brought as a result of terrorism—which was my primary purpose of getting travel insurance. The extra death and disability coverage that I purchased was not included in my plan. Still, this is all academic as my plan was instantly excluded because of the travel advisory.

I tried five times to call the company back during the business hours stated on the automatic message. The system continued to hang up my calls, not connecting me to a representative. I then sent an email to the customer service email address from which I received PDFs of the policy and insurance card—no response.

What a scam. If I don't get an instant refund I will investigate joining a class-action lawsuit that I assume is pending for a business of this nature!

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Overall rating 
 
9.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
8.0
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GREAT SERVICE AND EXPERIENCE

I HAD NO CLAIMS SO I CAN'T COMMENT ON THAT

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(Updated: August 20, 2012)
Overall rating 
 
10.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
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N/A
Timeliness of claim payment 
 
N/A

Travel Insurance for Cabo San Lucas trip

I did not have to use the insurance, but found it very easy to understand and to purchase. Because I was working with one way tickets there and back to get the best airfare price, I could not get insurance through Travelocity that would encompass both legs of our trip. Your company was able to do this with no problem. I would use your company again..

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