USI Affinity Travel Insurance

USI Affinity approaches COVID-19 like any other acute illness, it's covered under standard sickness provisions in their plans without special carve-outs or restrictions. You'll get base medical coverage automatically, and you can add a dedicated Cancel For COVID-19 Sickness endorsement if you want specific trip-cancellation protection. Having nearly 40 years in the travel insurance business means they've built systems that handle pandemic claims alongside routine illnesses.

Works well for travelers who want straightforward underwriting without extra hoops. The optional add-on means you can tailor your protection to your risk tolerance, buy just medical if that's enough for you, or layer on cancellation cover if you're traveling during uncertain times.