iTravelInsured Essential Insurance by IMG

Limited travel protection with cost effective coverage

iTravelInsured Essential Insurance

The iTravelInsured Essential plan is designed for U.S. residents traveling within the United States looking to protect their trip investment with our lowest-priced travel protection program. This plan provides limited, cost-effective coverage for trip cancellation, trip interruption and travel delay. iTravelInsured Essential, you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason.

Regarding the Volcanic activity in Iceland

Regarding the recent volcanic activity in Iceland, IMG’s travel protection plans (including iTravelInsured plans) purchased prior to November 16, 2023, may provide coverage for benefits if travelers’ plans are affected by this natural disaster.

As of November 16, 2023, our travel insurance carrier partners consider this natural disaster a foreseeable event. Claims are not payable if a natural disaster is foreseeable prior to the effective date of the plan. Therefore, plans purchased on or after November 16 will not be eligible for coverage for losses due to this volcanic activity.

Note: Customers should refer to their plan documents for complete terms and conditions as coverage may vary by plan and state.

iTravelInsured Essential Key Highlights

  • Limited travel protection with cost effective coverage
  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 125% of trip cost
  • $2,000 maximum benefit for travel delay
  • Coverage up to $200 for baggage delay.
  • Minimum Trip Cost to be Insured is $200.
  • Maximum Trip Length is 31 days.
  • This plan is available upto 70 years.

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Plan benefits of IMG iTravelInsured Essential Insurance

  • Trip Cancellation Up to 100% of insured trip cost
    Trip Interruption Up to 125% of the non-refundable insured trip cost
    Latest Date Plan Can Be Purchased 1 day before departure
    Travel Delay $2k ($250 per day after an initial delay of 12 hours)
    Pre-Existing Condition Exclusion Waiver Yes - within 21 days of initial trip deposit)
    Pre-Existing Condition Review Period 180 days
    Premium Refunds You may submit a cancellation request and receive a full refund within 10 days from the effective date of your coverage, as long as your trip departure date has not occurred and you have not filed a claim. The policy is non-refundable after 10 days.
    Common Carrier AD&D $10k
    Coverage Type Excess only
    24/7 Emergency Travel Assistance Included
  • Sickness, injury or death of insured, a family member, a travel companion, or guide/outfitter Yes
    Insured’s primary residence or destination being rendered uninhabitable by fire, flood, other natural disaster, vandalism, or burglary Yes
    Documented theft of passports/visas Yes
    Involved in a merger, job loss or job relocation Yes
    Documented traffic accident Yes
    Unannounced strike Yes
    Inclement weather that causes delay or cancellation by your common carrier Yes
    Mechanical breakdown of the common carrier Yes
    Evacuations due to national disasters Yes
    Emergency military duty for a natural disaster Yes
    A terrorist incident Yes
    Revoked military leave Yes
    Bankruptcy or default of travel provider
    (other than the travel supplier, tour operator, travel agency, organization, or firm from whom you purchased travel arrangements supplied by others)
    Yes
    NOAA hurricane warning or watch at destination Yes
    Court order to appear as witness Yes
    Jury duty Yes
    Hijack Yes
    Quarantine Yes

IMG Best Cruise Insurance for US Travelers

iTravelInsured Essential Insurance Restrictions

iTravelInsured Essential Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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IMG Trip Cancellation Insurance - FAQ's

01. When does the insurance coverage start on the IMG trip cancellation insurance plan?

The trip cancellation insurance coverage starts on the day following the purchase of the policy. The trip cancellation insurance plan will cover the traveler for factors such as trip cancellation even before the departure date of the trip.

02. Can one cancel the IMG trip plan?

Yes, one can cancel the IMG plan if there is no claim on the policy and if the traveler :

  1. Requests for cancellation is made within the 10 day free look period after buying the insurance
  2. Requests for cancellation before the start of the trip
03. What does the trip cost include?

The trip costs will include all non-refundable expenses such as the airline ticket costs, cruise expenses, hotel booking costs .... In the event of an unplanned cancellation of the trip, these expenses which would otherwise be lost will be covered by the IMG trip cancellation plans.

04. Can I renew or extend my IMG trip plan?

No, the IMG plans are not renewable.

05. What are the differences between Trip Cancellation and Trip Interruption benefits?

Trip cancellation coverage is available if the entire trip is cancelled even before the start of the trip (this is even before the trip start date). Trip interruption coverage is applicable only after the start of the trip. Trip interruption comes is applicable if the trip is cancelled for a valid covered reason (unless you have the Travel LX plan which covers CFAR), after the start of the trip and here the insured traveler has to return to his/her home country.

06. What are the coverage differences between the different IMG plan options - Lite, SE, and LX?

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

07. Do your trip cancellation insurance plans cover the cost of additional accommodation for an individually-ordered quarantine?

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG travel Insurance’s Travel Delay benefit. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well. Benefits would apply to an insured traveler OR a travel companion.