USI Affinity

USI Affinity brings five decades of experience to their Ruby and Diamond tier plans, both engineered with high medical and evacuation limits that don't leave you exposed if a medical emergency requires airlifting or expensive treatment abroad. The platform lets you layer optional add-ons like Cancel For Any Reason (CFAR) and rental car damage protection, so you're not forced into one-size-fits-all coverage.

This works best for travelers who want proven coverage with flexible add-ons rather than preset bundles. The generous base medical and evacuation limits suit long trips to remote areas or people with existing health conditions that could require expensive care. CFAR is especially valuable if you book flights well in advance or if your trip timing is uncertain.