Previous month:
June 2010
Next month:
August 2010


Summer's not over yet! There's still time to find a few last minute summer travel bargains, if you know where to look.

CNNMoney listed the following tips on how to book a cheap, last-minute getaway:

  • Try booking a Wednesday flight. It's one of the three cheapest days to fly, along with Tuesday and Saturday. And when you're booking your flight, Tuesday at
    3 p.m. is the time to find the best deals.
  • If you don't mind hitting the road, try a bus line like or They offer very low prices, free onboard Wi-Fi and the seats are pretty comfy.
  • Call a hotel directly to book a room so you can negotiate price. Most people don't think it's worth trying to get a better deal on a hotel if they can't score one online. Only 35% of people asked tried to negotiate a better deal on a room, but the ones that tried were successful 80% of the time. CNNMoney also suggests checking out a site like for new hotels that are trying to attract customers with low rates during the peak season.
  • Don't miss out on the savings that an attraction card or a city pass can offer. Most cities in the U.S. and abroad offer passes and get you into museums, bus tours and other events. Some even let you butt in line, politely of course!


When your child is studying abroad, you want to ensure she has all the support she needs when you can't be there. But is student medical insurance necessary? In a word: Yes.

Not only is it required in most cases, but student medical insurance, like USI Affinity's Study USA-HealthCare™, covers medical emergencies in a foreign country that your insurance policy can't. 

Here are five reasons to get your student medical insurance before they go abroad:

  • Medical Expenses - If your child becomes sick or is in an accident while out of the country, your medical insurance will most likely not be accepted at a foreign medical provider. Study USA-HealthCare will take care of the covered percentage of covered medical expenses if she should need medical attention.
  • Emergency Medical Evacuation - International Medical Evacuations can cost hundreds of thousands of dollars. But if your child needs a medivac home or to a better facility, you have no other choice. With Study USA-HealthCare™, you'll have all expenses covered up to a limit of $500,000.
  • Mental or Nervous Disorders and Alcohol and Substance Abuse - College life coupled with being far from home can be a very stressful time in your child's life. Be prepared with the support she needs when you can't be there. The policy covers both in-patient and out-patient treatment up to $5,000.
  • Emergency Travelers Assistance Service - When your child's far from home and needs help, you can still give her the support she needs with our Emergency Travelers Assistance Service. This feature provides 24-hour verification of medical coverage for hospitals and physicians, 24-hour medical care location service, emergency medical transportation arrangements, multilingual services, 24-hour contact for legal emergencies and more.
  • Meets Requirements - The policy meets the requirements set by the U.S. Department of State, the U.S. Citizenship and Immigration Services, and most university study abroad programs.

For more information go to the USI Affinity Study USA-HealthCare site.

"No man needs a vacation so much as the person who has just had one. "

~Elbert Hubbard

Going on vacation can cost an arm and a leg. The last thing you want to do when planning your trip is spend more money on insurance for something that will probably never happen.  So why bother, right? Think again.

A lot can go wrong - even on the most well-planned trips.  And paying for unexpected catastrophes along the way can cost you your other arm and leg, and your house and car.

Here are a couple of nightmare scenarios that travel insurance can help with that you should keep in mind next time you're planning a trip.

You lose your job and can no longer afford to go on vacation.
Some travel nightmares start before you even leave home. If you unexpectedly lose your job (through no fault of your own) and cannot go on your trip, job loss protection, like the kind offered with USI Affinity's Travel Insurance Select, can cover the cost of your trip, as long as you've been employed with same company for at least 2 years.

Your trip was canceled or interrupted.
Natural disasters, sudden illness, your passport was stolen and you can't continue your trip. Unfortunately, sometimes trips are canceled. Travel insurance can cover the cost of your trip if it's canceled, or reimburse the unused portion if it is interrupted.

You're far from home and the last connecting flight for the night has been canceled.
Nowhere to go for 12 hours while you're waiting for your next flight? Some policies will reimburse your additional expenses. Travel Insurance Select Basic will reimburse your additional expenses up to $150 a day if you have to get a hotel or rent a car.

You broke your leg skiing the Alps, and the Swiss hospital doesn't accept your U.S. medical insurance.
An ambulance to the hospital, X-rays and setting your legs can set you back several thousand dollars. But with USI Affinity's Travel Insurance Select Basic, up to $10,000 of your medical expenses are covered. The policy even covers up to $25,000 if an injury or illness requires Emergency Medical Evacuation.

Planning a trip? Get covered. Visit USI Affinty's Travel Insurance Select, or call 800.937.1387.

Traveling or living abroad can be an exciting and life-changing experience. But every year, hundreds of travelers and students far from home require emergency medical treatment, hospitalization, and even medical evacuation, and find their insurance provides little or no coverage once they’ve left their home country.

Seeking medical treatment in an unfamiliar place can be stressful, and the high cost can put a severe financial strain on you and your family.

Global cost for medical treatments


Sources: Healix Healthcare, 2010,

That's why medical travel insurance is so important. USI Affinity's WorldMed™ Insurance is designed to protect travelers from unexpected illness and accidents. There are two levels of coverage to meet your budget and your needs. WorldMed™ Insurance provides:

  • $500,000/ $1,000,000 coverage per incident
  • Coverage for dependent children age 14 days through 18 years
  • 24-hour access to emergency assistance services which can help refer doctors or hospitals, provide multilingual interpretation, arrange emergency medical evacuation, and keep in touch with physicians and family back home
  • Emergency dental for pain relief up to $100
  • Stolen Passport/Visa protection for up to $500 for losses arising out of robbery, burglary, theft or natural disasters

Make sure you put medical travel insurance on your checklist before you travel abroad. USI Affinity's WorldMed™ Insurance can help ensure you return home with memories that will last forever, not medical expenses you'll be paying off for a lifetime. 

Call 800-937-1387 for more information and a free quote, or go to to enroll online.

Years ago, if passengers were stranded at an airport due to a canceled flight, the airline would foot the bill for their food and lodging. These days, canceled flights have turned airports into refugee camps of frustrated passengers left to fend for themselves.

Airlines are only obligated to honor promises made in their contract of carriage. The contract usually states the airline is not responsible for additional expenses that passengers incur due to a canceled flight if the cancellation was not the airline's fault.

So, when is a cancellation the airlines fault? You guessed it - hardly ever.

A few examples of when it's not their fault are: bad weather, acts of God, terrorist activities, war, strikes, any shortage of labor, fuel or facilities, and “any event not reasonably foreseen, anticipated or predicted” by the airline. Some contracts even say that “mechanical difficulties”  are out of the airline's control.

Travel industry experts still advise passengers to ask airlines for accommodations if they're stranded due to a canceled flight, but more often than not, travelers are left to their own devices.

The best plan is to get travel insurance from a reputable company. With the USI Affinity's Travel Insurance Select Plus or Elite option, travelers can contact the Worldwide Assistance Center and a certified travel agent can help make emergency travel changes, such as re-booking flights.

USI Affinity offers options that meet your needs and your budget. So you can get out of the airport and on with your trip.