Before you plan your next trip, consider an Aon travel insurance policy.
No one enjoys paying for unused vacation time, and that is what Aon Affinity travel insurance helps you avoid.
With more than three decades of experience in the travel industry, Aon is ready to provide assistance for all kinds of travel problems from emergency medical to baggage delays.
Arch Insurance Company underwrites Affinity’s policies and markets them under the name RoamRight.
More and more Americans opt to buy travel protection each year, thereby alleviating the hassles and expenses associated with delays or interruptions.
Children are included free of charge on a one-to-one basis with each paying adult traveler, making this company an ideal choice for families.
Aon’s plans adjust to your needs, offering everything from comprehensive to minimal emergency-only coverage.
The financial ability of any insurance company to meet claims is an integral part of the buying process. If every traveler makes a claim, can Aon Affinity travel insurance fulfill the obligations of its customers?
An A- rating from both Standard & Poor’s and A.M. Best suggest it can.
Even if a major natural disaster affects thousands of travelers, the company is well-positioned to handle the payouts.
Here is a list of the plans and coverage offered by Aon Travel Insurance.
| Exclusions | Elite | Preferred | Essential | Pro Plus | Multi-trip |
|---|---|---|---|---|---|
| Tour Operator Cancellation | Yes | ||||
| Injury/Illness/Death of Traveler | Yes | Yes | Yes | Yes | Yes |
| Injury/Illness/Death of Non-traveling Family Member | Yes | Yes | Yes | Yes | Yes |
| Injury/Illness/Death of Business Partner | Yes | Yes | Yes | Yes | Yes |
| Injury/Illness/Death of Host | Yes | Yes | Yes | Yes | |
| Injury/Illness/Death of Hosts Family or Friends | |||||
| Natural Disaster at Destination | Yes | Yes | Yes | Yes | Yes |
| Tour Operator/Airline/Cruise Line Ceases Operation | Yes | Yes | Yes | Yes | |
| Terrorism/Evacuation at Destination | Yes | Yes | Yes | Yes | Yes |
| Home or Business Damaged | Yes | Yes | Yes | Yes | Yes |
| Jury Duty/Court Appearance | Yes | Yes | Yes | Yes | Yes |
| Military Deployment | Yes | Yes | Yes | Yes | Yes |
| Work Related | Yes | ||||
| Victim of Crime Prior to Trip | Yes | Yes | Yes | Yes | Yes |
| Car Accident Prior to Trip | Yes | ||||
| Theft of Passport Prior to Trip | Yes | Yes | |||
| Separation/Divorce | |||||
| School Related | Yes | Yes | Yes | Yes | |
| CFAR Coverage (Cancel for any reason) | Yes | Yes | Yes |
| Coverage | Elite | Preferred | Essential | Pro Plus | Multi-trip |
|---|---|---|---|---|---|
| Trip Cancellation | Trip cost | Trip cost | Trip cost | trip cost | Trip cost |
| Cancel for Any Reason | Trip cost | ||||
| Trip Interruption | 150 percent of trip cost | 150 percent of trip cost | 100 percent of trip cost | 150 percent of trip cost | Trip cost |
| Interrupt for Any Reason | |||||
| Accident and Sickness Medical Expenses | $50,000 | $50,000 | $15,000 | $50,000 and $750 for Dental | $25,000 |
| Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains | $1,000,000 | $500,000 | $150,000 | $500,000 | $250,000 |
| Non-Medical Emergency Evacuation | $100,000 | ||||
| Accidental Death and Dismemberment (AD&D) | $25,000 | $10,000 | $10,000 | $25,000 | |
| Air Flight Only AD&D | $100,000 | ||||
| Baggage and Personal Effects | $2,500 | $1,000 | $750 | $1,000 | $1,000 |
| Baggage Delay | $500 | $300 | $200 | $300 | $300 |
| Change Fee Coverage | |||||
| Travel Delay | $1,500, or $200 a day | $1,000 at $200 per day | $500 at $100 per day | $1,000, up to $200 per day | $1,000 |
| Missed Connection | $750 | $500 | $200 | $500 | $500 |
| Itinerary Change | $750 | $500 | $200 | $500 | |
| Reimbursement of Miles or Rewards Points | |||||
| Rental Car Damage |
The cost of Aon travel insurance varies depending on coverage levels, the age of the insured, the length of the trip, and several other factors. In general, price ranges between four and eight percent of the trip’s total cost.
If you’re older, the cost of insurance tends to be higher because the included medical coverage is likelier to be needed. Your destination can also impact the price of the policy; if you’re traveling somewhere with higher risks, expect to pay more for travel insurance. For example, a cruise in the Atlantic during the hurricane season might be more expensive to insure than one outside of the storm season.
For those who frequently take trips, annual travel insurance might be the best option. As an example, a 35-year-old Maryland resident can expect to pay a $320 premium for the year. Get a quick quote using the calculator on the company’s website and enjoy 14-day free look period, during which time you can still get a full refund.
If something does happen, and you need to make a claim, you can use the online portal, call the toll-free number, or use the 24/7 mobile app, which makes it easy to start the paperless process as quickly as possible. Once you send in your claim and receive confirmation, the review typically takes no longer than 30 days.
Part of buying travel insurance is obtaining peace of mind. That means that you want to work with a company that offers excellent customer service in the event of a personal emergency. This company, a trade name for Arch Insurance Company, has no negative reviews on the Better Business Bureau (BBB) website, making it a highly regarded option for those seeking trip insurance.
However, Trustpilot information is less enthusiastic, with a rating of 3/10 and 22 negative Aon Affinity travel insurance reviews. Nonetheless, this is in line with the industry, since many of the larger companies show lower ratings.
With 24/7 support available through a user-friendly mobile app, you can get in touch with Aon at any time of day, which is essential when traveling across time zones. The RoamRight app has a variety of useful tools including language translation, document storage, travel tips, and emergency contact info and aid.
The website offers an easy and instant quote calculator so that buying travel insurance is a painless process. Policyholders can access their account, view policy details, and start the claims process.
There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.
These companies didn’t make our list of top providers but we have created some more detailed reviews that you can view below:
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