Travel Insurance for a Changing World

Choose an insurance plan that stands out from the rest.

Whether your next trip will take you across the state or across the globe, travel with the protection of Trip Care Complete, only from USI Travel Insurance Services.

Quote & Enroll Now

For frequent travelers, we also offer the Voyager Annual Travel Insurance Plan.

Trip Care Complete: Plan Benefits

The following benefits can help during your travels, including in situations due to COVID‑19:
(See full policy for covered reasons.)

Note: Benefit amounts listed below are from the Elite plan level of the Trip Care Complete plan.
Click here to view all three plan options and levels.

IMPORTANT: Certain exclusions and limitations apply to each benefit and are detailed in the Policy. Please read the policy document for your state of residence carefully.

Trip Care Complete


Trip Cancellation
Reimbursement of up to 100% of unusable, non-refundable travel arrangements if cancellation occurs before your scheduled departure because of unforeseen circumstances covered in the plan, such as illness, injury, death, strike, and weather. Includes coverage if you contract COVID‑19 as diagnosed by a physician and are unable to travel; or, if traveling companion, immediate family member, child’s caregiver or business partner contracts COVID‑19 as diagnosed by a physician, or dies of COVID‑19.
up to 100%
Cancel For Any Reason (CFAR) - Optional Upgrade
The Cancel For Any Reason optional upgrade is available for an additional 55% of the base premium and offers policyholders reimbursement of prepaid, nonrefundable travel arrangements when a trip is cancelled for any reason at all, including fear of traveling, new wave of a COVID‑19 outbreak, or government-imposed travel restrictions. You must purchase your plan within 14 days of initial trip deposit to be eligible for this upgrade. (Other conditions apply. Not available to residents of NY.)
up to 75% of trip cost
Trip Interruption
Coverage applies if your Trip is interrupted after departure, due to unforeseen circumstances covered in the plan, including you, your traveling companion, family, caregiver or business partner contracts COVID‑19 as diagnosed by a physician and travel plans need to be altered. Reimbursement of prepaid, unused, non-refundable travel arrangements, additional transportation expenses and/or return air travel including change fees.
up to 150% of trip cost
Travel Delay
Reimburses for unused, non-refundable land, air or water accommodations, reasonable additional expenses incurred and economy airfare to resume a trip if you or your traveling companion contracts COVID‑19 as diagnosed by a physician, causing a delay of 6 hours or more to or from your destination, or due to any other covered reason. Other covered reasons include carrier caused delays, traffic accident en route to the departure, stolen passports or visas and weather.
up to $250 per day ($1,500 total)
Airline Ticket Change Fee
Covers airline change fee if you, your traveling companion or family member, have to change the flight dates due to a covered reason for Trip Cancellation or Trip Interruption.
up to $200
Emergency Medical Expense
Coverage if you contract COVID‑19 as diagnosed by a physician, or any other covered illness or injury, causing you to seek immediate medical care.
up to $250,000
Emergency Medical Evacuation
Coverage if you contract COVID‑19 as diagnosed by a physician, or any other covered illness or injury, and need to be evacuated to the nearest medical facility that can provide adequate care.
up to $500,000
Repatriation of Remains
Applies if you contract COVID‑19 or another illness or injury, and death ensues requiring your body to be repatriated back home. This includes all costs required in transporting your remains back home.
up to $250,000
24/7 Worldwide Assistance Services
Call any time, from anywhere, to get assistance with changing plans or reservations, finding a doctor, getting in touch with the nearest embassy, general concierge and travel planning services, and more.

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What’s NOT covered in this travel insurance plan?*

* The optional CFAR benefit upgrade offers reimbursement when cancelling a trip for any reason, including those listed here.

Trip cancellation due to:
  • Fear of travel (because of pandemic spread or other reasons)
  • Government-imposed travel restrictions
  • CDC Travel Warnings

* To have coverage in the event of any of the above circumstances (or anything else not listed in the plan document, such as simply changing your mind about traveling), consider upgrading your plan with the Cancel For Any Reason (CFAR) benefit. CFAR gives you the utmost flexibility when you travel. Restrictions and exclusions apply.

  Why do I need travel insurance?

Travel insurance has always been important. But now it may be more important than ever to protect you and your trip from the unexpected. Travel insurance is not just for big, international trips. The unexpected can happen no matter where you travel, even on a short domestic trip.

As you plan your next trip – whether it involves car, plane, bus or train – consider what would happen if your trip got canceled or interrupted, if you experienced a delay getting to your destination, if your baggage was delayed or even damaged, or if you experienced a medical emergency like an accident or illness while away from home. Buy travel insurance to protect your trip, medical expenses and belongings. It may be the most valuable item you’ll pack for your next trip.

  When should I buy travel insurance?

To get the most out of your plan, buy your insurance right after making your first trip payment (whether it’s a deposit, a hotel booking, an airline booking or any other component of your trip).

If you buy this travel insurance plan within 14 days of your initial trip payment you’re eligible for several additional benefits, including the Cancel For Any Reason (CFAR) optional upgrade and a waiver of the Exclusion for Pre-Existing Medical Conditions. Even if you miss this 14-day window, it’s important to buy early as your Trip Cancellation coverage goes into effect immediately.

This website contains only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions, and termination provisions. For complete details, please visit and read the plan description of coverage, or call our customer service to learn more: (800) 937‑1387, Monday‑Friday, 9 a.m. to 7 p.m. Eastern Time. You can get a quote and enroll on the website or by phone.