Travel Insurance is a key requirement for international travel, especially to countries like the US, where healthcare is very expensive and having travel medical insurance can put a smile on your face. When we talk about travel insurance we are referring to health insurance for visitors also commonly known as visitor insurance.
But then the word travel arises a question, whether the insurance covers only the travel or is it a medical insurance as well? This is medical insurance that covers the insured for any medical requirement once the insurance cover starts, whether the person is in the flight or airport, as long as the person is out of the home country, or the person arrives in the destination country where they want to use the insurance if needed. It provides coverage for cancelled flights due to coronavirus and quarantine expenses.
On the other hand we have customers who specifically ask for insurance cover that insures the cost of the trip, trip interruption, trip cancellation, trip delay, baggage loss, theft, and cancel for any reason … These benefits are not available in a travel insurance plan although trip interruption, loss of luggage and trip delay might be a part of travel insurance coverage.
To cover the cost of trip or in specific trip related costs, there is trip insurance. This is something that customers purchase especially while they are spending a lot of money for a vacation, on a cruise or to any place and are concerned about the money in case they need to cancel the trip.
Max Trip Cost Coverage
Up to $10,000
Maximum Age insured
Up to age 99
Trip Duration
90 days
Coverage type?
Primary
Max Trip Cost Coverage
Up to $25,000
Maximum Age insured
Up to age 99
Trip Duration
180 days
Coverage type?
Secondary
Max Trip Cost Coverage
Up to $150,000
Maximum Age insured
Up to age 99
Trip Duration
180 days
Coverage type?
Primary
Max Trip Cost Coverage
Up to $100,000
Maximum Age insured
Up to age 99
Trip Duration
180 days
Coverage type?
Primary
Max Trip Cost Coverage
Up to $150,000
Maximum Age insured
Up to age 99
Trip Duration
180 days
Coverage type?
Primary
*The cost is based on quotes for 40 year old traveler with 1,500 trip cost with duration of 15 days.
Insurance Plans | iTravelInsured Lite | iTravelInsured Choice | iTravelInsured SE | iTravelInsured LX | iTravelInsured Sport |
---|---|---|---|---|---|
Cost* | $61 | $63 | $79 | $140 | $143 |
Maximum trip cost | $25,000 | $10,000 | $150,000 | $150,000 | $100,000 |
Trip length | 90 days | 180 days | 180 days | 180 days | 90 days |
Coverage type | Secondary | Primary | Primary | Primary | Secondary |
Trip Cancellation | 100% trip cost | 100% trip cost | 100% trip cost | 100% trip cost | 100% trip cost |
Trip Interruption | 125% trip cost | 150% trip cost | 150% trip cost | 150% trip cost | 125% trip cost |
Pre-existing condition waiver | cancel | cancel | check_circle | check_circle | check_circle |
Maximum medical coverage | $100,000 | $100,000 | $250,000 | $500,000 | $250,000 |
Medical Evacuation | $500,000 | $500,000 | $1,000,000 | $1,000,000 | $1,000,000 |
Optional Cancel for any reason | cancel | 75% of trip cost | cancel | 75% of trip cost | cancel |
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Itravelinsured trip insurance cost ranges from $38 to $957 for 15 days duration. Trip cost varies depending up on age, trip duration and trip cost.
For example here we are showing itravelinsured cost for 15 days duration and 40 years age.
Plan Name | Trip Cost 1,000 | Trip Cost 3,000 | Trip cost 10,000 | Trip cost 20,000 |
---|---|---|---|---|
Itravelinsured Essential | $38 | $99 | $379 | Not Available |
Itravelinsured Choice | $50 | $99 | $322 | Not Available |
Itravelinsured Lite | $43 | $117 | $427 | $878 |
Itravelinsured SE | $56 | $150 | $525 | $1,074 |
Itravelinsured Sport | $112 | $231 | $773 | $1,546 |
Itravelinsured LX | $114 | $229 | $957 | $2,932 |
IMG does offer the option to upgrade to “cancel for any reason” (CFAR) coverage on some of its travel insurance plans. The “Cancel for any reason” add-on benefit gives the traveler the option to cancel for any reason, even if it is not listed in the plan’s base trip cancellation reasons. For example, one can cancel the trip because there was a work related crisis which would not be covered in the base trip cancellation coverage.Please review the plan to check the rules for CFAR coverage. IMG’s Travel LX travel insurance reimburses 75% of the non-refundable trip costs under the CFAR benefit. The traveler must buy the “cancel for any reason” add-on coverage within 21 days of making the initial trip deposit. To make a CFAR claim one must cancel the trip at least two days prior to the actual departure date.
IMG’s travel insurance includes Pre-existing medical condition waivers as an add-on coverage. Travelers should review the policy details to be sure of this coverage specification. Including this pre-existing conditions waiver add-on will mean the pre-existing conditions is not excluded from your travel insurance coverage.
COVID-19 is treated the same as any other sickness for purposes of all coverage that are triggered by sickness or that can reimburse losses resulting from a sickness including death caused by sickness. Depending on the Plan Design, this can include but is not necessarily limited to the following (including the sub-benefits of many of these):
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.
All US citizens and US residents are eligible to buy IMG trip cancellation plans. They can buy these trip cancellation plans for travel both within the US as well as outside the country.
Yes, one can cancel the IMG plan if there is no claim on the policy and if the traveler :
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.
No, the IMG plans are not renewable.
The pre-existing conditions coverage varies depending on the IMG plan.
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.
You compare the coverage differences between the three IMG plans IMG travel insurance Comparision
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.
There are some very advantageous credit cards out there to help travelers, particularly with money exchange fees when making purchases abroad. However, you should look over your benefits carefully. Certainly travel items charged to the card may be covered and refundable, but what if you get sick at your destination? What if your luggage is lost? What if you need to quarantine or get delayed in one leg of your trip? The best trip cancellation insurance can put your mind at ease. These best travel insurance are specifically designed to help in all aspects of travel from interruptions that may come up (an emergency back home), unintended trip delays (testing positive for COVID, missing a flight or having a flight cancelled), helping you get your minor children home if you can't, and medical expenses should you become sick or hospitalized. There are plans to help you get your pet home safely and insure your expensive golf clubs or sports equipment get with you to your destination! You have invested so much into your trip planning, you may as well have full peace of mind that your investment is protected and you are taken care of by experts who have dealt with the most unlikely of scenarios!