Travel Insurance Services

What Travel Insurance Services does

Travel Insurance Services (TIS) is a US-based travel insurance brokerage founded in 1973 and operating today as a division of USI Affinity inside USI Holdings Corporation, a privately held insurance brokerage parent with roughly $2B in annual revenue, 200 offices, and 10,000+ employees. The company distributes through three channels: direct-to-consumer online and phone sales via tripcarecomplete.com and a 1-800 line, affinity/partner referrals from a network of 200+ universities, alumni associations, tour operators, cultural institutions, and specialty travel clubs, and dedicated support for the travel-advisor market. Its core product is Trip Care Complete, a three-tiered plan (Basic, Plus, Elite) underwritten by Starr Indemnity & Liability Company and administered by Starr Assist, LLC, with claims handled by Co-Ordinated Benefit Plans and crisis/security evacuation provided through Europ Assistance.

Trip Care Complete covers trip cancellation (up to 100% of trip cost, capped by tier at $10K/$25K/$30K), trip interruption (up to 125%-150%), emergency medical ($10K/$50K/$250K), emergency evacuation ($25K/$500K/$500K), trip delay, baggage loss/delay, and (Plus/Elite) security and natural disaster evacuation up to $100K; a Cancel For Any Reason upgrade reimburses 75% of non-refundable costs, and pre-existing condition waivers are available if purchased within 14 days of initial deposit. The portfolio also includes standalone trip cancellation plans, dedicated travel medical coverage, group plans for tour operators, specialty medical evacuation coverage, annual multi-trip plans, and plans for non-US residents, sold across all 50 states, DC, and Puerto Rico with state-specific policy forms.

The business model is brokerage-based: TIS does not underwrite risk itself but earns commission on premiums placed with carrier partners, pricing each policy on a quote basis by trip cost, traveler ages, destination, and tier. Pricing is not publicly disclosed and the unit economics resemble a long-tail, low-average-premium book with modest average revenue per policy. No proprietary technology platform, API, mobile app, or AI/ML capability is disclosed in the available data; the operational backbone is the quote/enrollment website, partner referral integration, and outsourced claims/administration, making TIS effectively a distribution and customer-experience wrapper over its carrier partners.

Name

Travel Insurance Services

Legal name

USI Travel Insurance Services

Website

https://tripcarecomplete.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

11–50 employees

Short description

Travel Insurance Services, a 1973-founded division of USI Affinity, is a US travel insurance broker that distributes the Trip Care Complete plan family (Basic/Plus/Elite) to individual travelers and 200+ affinity partners including universities, tour operators, and cultural institutions, with underwriting by Starr Indemnity.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Emergency Assistance & Case Management (Medical, Security, Evacuation) (THALALAG)

Keywords

• Travel insurance
• Trip protection
• Travel medical coverage
• Emergency evacuation insurance
• Group travel insurance

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Premiums: One-time insurance premiums charged based on the total trip cost and selected coverage level (Basic, Plus, or Elite). Pricing varies by plan option, trip cost, traveler ages, and destination.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Travel Insurance Services (TIS), a division of USI Affinity, is a travel insurance broker that sells trip protection plans covering trip cancellation, trip interruption, trip delay, emergency medical expenses, emergency evacuation, and baggage loss/delay. Operating since 1973, the company offers its flagship Trip Care Complete product in three tiered options (Basic, Plus, Elite) and distributes through direct-to-consumer online enrollment, phone sales, and affinity/partner channels including tour operators, travel advisors, universities, and alumni associations. Plans are underwritten by Starr Indemnity & Liability Company and administered by Starr Assist, LLC, with claims handled by Co-Ordinated Benefit Plans (CBP).

Product overview

Travel Insurance Services, operating as a division of USI Affinity, offers Trip Care Complete as its primary product—a comprehensive travel insurance platform available in three tiers (Basic, Plus, and Elite) that cover trip cancellation, interruption, delay, medical expenses, emergency evacuation, and baggage loss. The portfolio also includes specialized products such as travel medical insurance, group coverage plans, specialty medical evacuation coverage, annual travel insurance plans, and trip cancellation options for non-U.S. residents. The three main Trip Care Complete plans share a common architecture with escalating coverage limits and optional upgrades including Cancel For Any Reason (CFAR) and Pre-Existing Medical Condition Exclusion Waiver. Plans are underwritten by Starr Indemnity & Liability Company and administered by Starr Assist, LLC.

Differentiator

Problem solved

Functional benefit

Brands

• Trip Care Complete: Travel insurance product offering three plan options (Basic, Plus, Elite) with coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay.
• Trip Care Basic
• Trip Care Plus
• Trip Care Elite

Products and services

• Trip Care Complete Basic Entry-level travel insurance plan reimbursing up to 100% of trip cost (max $10,000) for cancellation, 125% for interruption, with $10,000 emergency medical, $25,000 emergency evacuation, and baggage loss/delay coverage. Targeted at individual travelers seeking affordable core protection.
• Trip Care Complete Plus Mid-tier travel insurance plan with enhanced coverage including trip cancellation up to 100% of trip cost (max $25,000), trip interruption up to 150%, $50,000 emergency medical, $500,000 emergency evacuation, $100,000 security evacuation, and optional Cancel For Any Reason upgrade.
• Trip Care Complete Elite Premium travel insurance plan offering the highest coverage limits including trip cancellation up to 100% of trip cost (max $30,000), trip interruption up to 150%, $250,000 emergency medical, $500,000 emergency evacuation, $5,000 renters collision, $100,000 security/natural disaster evacuation, and optional Cancel For Any Reason upgrade.
• Group Coverage Plans Customized insurance programs designed for tour operators, travel agencies, and group travel arrangements, providing comprehensive coverage options for group travelers. Targeted at B2B clients in the travel and tourism industry.
• Specialty Medical Evacuation Coverage Specialized medical evacuation coverage for travelers requiring medical transportation services from remote or high-risk destinations, including repatriation of remains. Designed for adventure travel and expedition use cases.
• Annual Travel Insurance Plans Multi-trip annual plans providing continuous travel insurance coverage for frequent travelers throughout the year, eliminating the need to purchase coverage for each individual trip.
• Trip Cancellation Plans for Non-U.S. Residents Travel insurance plans designed specifically for non-U.S. residents traveling internationally, providing trip cancellation and related protections tailored to their residency and travel patterns.
• Travel Medical Insurance Standalone medical expense coverage for illnesses or injuries occurring during trips, including emergency medical evacuation and repatriation services. Targeted at travelers prioritizing medical protection.
• Standalone Trip Cancellation Plans Standalone trip cancellation coverage for travelers seeking focused protection against non-refundable travel expenses due to covered events, without bundling the broader trip insurance package.

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Starr Indemnity & Liability CompanycoreOthersUnderwriting partner - a Texas domiciled corporation (NAIC Company Code: 38318) with principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022. Currently authorized to do business in all states, District of Columbia, and Puerto Rico.
• Starr Assist, LLCcoreOthersPlan administrator - a Delaware limited liability company (FL. Seller of Travel Reg. No.: L093030) with principal place of business at 399 Park Avenue, 9th Floor, New York, NY 10022. Doing business as Starr Assist Insurance Agency, LLC in California (CA license number: 0F95103).
• Co-Ordinated Benefit Plans (CBP)coreOthersClaims administrator for the Trip Care Complete plan. Operates a self-service website (cbpconnect.com) for claims filing. Customers can register without a Member Number.
• Europ AssistanceminorStrategic or Co-development PartnerProvides Security and Natural Disaster Evacuation services. Arranges political/military situation evacuations and natural disaster evacuations to nearest safe location and home country. Note: This service is not underwritten by Starr Indemnity & Liability Company.
• USI Holdings CorporationcoreOthersParent company - one of the largest privately held brokers in the US with over 10,000 employees, 200 offices, and close to $2 billion in annual revenue.
• USI AffinitycoreOthersParent division - USI Travel Insurance Services (TIS) is a division of USI Affinity and member company of USI Holdings Corporation.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Seven Corners: Specialist in travel medical insurance, trip protection, and international health plans for individuals and groups. Comparable to TIS's travel medical and specialty evacuation offerings, with a stronger focus on long-term and international expatriate/traveler segments.
• World Nomads: Travel insurance specialist targeting adventure, backpacker, and long-haul independent travelers through a digital-first model. Comparable to TIS on trip cancellation, emergency medical, and evacuation offerings, with a stronger content/social brand and younger-skewing demographic.
• Travelex Insurance Services: US travel insurance distributor offering tiered single-trip and annual plans via direct and partner channels. Closest head-to-head peer to TIS in product structure, broker-vs-carrier positioning, and affinity distribution.
• Generali Global Assistance (Generali US): Operates US travel insurance and assistance programs (formerly Cigna Travel), providing trip protection, medical, and 24/7 assistance. Directly comparable to TIS across the trip insurance and emergency assistance stack.

Others

• Squaremouth: Travel insurance comparison marketplace aggregating multiple carriers and brokers. Not a direct competitor on underwriting but influences price discovery and customer acquisition for travel insurance distributors like TIS.
• InsureMyTrip: Travel insurance comparison and brokerage platform offering multi-carrier quotes to consumers. Comparable as a distribution competitor to TIS's direct channel, with a marketplace model rather than a single-carrier product.

Broad incumbents

• Berkshire Hathaway Travel Protection: Travel insurance carrier leveraging Berkshire Hathaway's balance sheet, offering direct and partner-distributed trip protection products. Comparable to TIS in product coverage and US distribution, with stronger financial backing and brand recognition.
• Allianz Travel Insurance: One of the largest global travel insurance underwriters and distributors, offering single-trip, annual, and package products through OTAs, airlines, and direct channels. Directly comparable to TIS across trip cancellation, medical, and evacuation coverage, but at much larger scale and with proprietary underwriting capacity.
• AIG Travel: Major US travel insurance carrier offering trip cancellation, medical, and baggage products through direct and partner channels. Comparable to TIS in product set and US customer base, with deeper carrier-level underwriting and broader global reach.

Emerging players

• IMG (International Medical Group): Provider of travel medical, international health, and trip insurance products distributed through brokers and direct channels. Overlaps with TIS on travel medical and evacuation, with a more pronounced focus on international and expatriate customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Xx.com/travelinsure
• Facebookfacebook.com/travelinsure
• LinkedInlinkedin.com/company/usi-affinity-travel-insurance-services

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Travel Insurance Services