IMG Trip delay and Cancellation Insurance

Trip cancellation insurance cost calculator

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Trip cost($)/person

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Trip start date
Trip end date

Travel insurance for U.S. citizens with trip protection coverage - Highlights

airplanemode_inactive

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

work_history

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

home_health

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Trip Protection Insurance

Trip Protection

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.

Best trip protection insurance plans for International travel

iTravelInsured Choice Insurance IMG

star Rating: AM best "A" (Excellent) edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of Trip Costs.
  • Trip Interruption: Up to 100% of trip cost.
  • Emergency accident and sickness medical expense: Up to $100,000.
  • Missed connection: Up to $500.
  • Medical evacuation and repatriation of remains: Up to $500,000, with the option to enhance coverage up to $1,000,000.
  • Accident and Sickness medical expense: Up to $100,000, with the option to enhance coverage up to $250,000.
  • Optional Cancel for any reason: Up to 75% of trip cost.
  • Optional Interruption for any reason : Up to 75% of trip cost.
  • Sports Equipment Rental : Up to $250 per person.
  • Max Trip Cost Coverage
    Up to $10,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    90 days

  • Coverage type?
    Primary

iTravelInsured Travel Lite Insurance IMG

  • Trip Cancellation: Covers Up to 100% of Trip Costs.
  • Trip Interruption: Covered up to 100% of trip cost.
  • Emergency accident and sickness medical expense: Up to $100,000.
  • Emergency Evacuation and Repatriation: up to $500,000.
  • Max Trip Cost Coverage
    Up to $25,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Secondary

iTravelInsured Travel SE IMG

  • Trip Cancellation: Up to 100% of trip Costs.
  • Trip Interruption: Up to 150% of trip cost.
  • Medical evacuation and repatriation of remains: Up to $500,000.
  • Accident and Sickness medical expense: Up to $250,000.
  • Missed connection: Up to $500.
  • Rental Car Damage or theft coverage: Up to $40,000 per vehicle.
  • Pet Kennel: Covered up to $100 per day with $300 maximum per pet.
  • Max Trip Cost Coverage
    Up to $150,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

iTravelInsured Sport Insurance IMG

  • Trip Cancellation: Up to 100% of Trip Costs.
  • Trip Interruption: Up to 150% of trip cost.
  • Emergency accident and sickness medical expense: Up to $250,000.
  • Medical evacuation and repatriation of remains: Up to $1,000,000.
  • Sports Equipment Rental: Up to $5,000 per person.
  • Search and Rescue: Up to $50,000 per person
  • Max Trip Cost Coverage
    Up to $100,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

iTravelInsured LX Insurance IMG

  • Trip Cancellation: Up to 100% of Trip Costs.
  • Trip Interruption: Up to 150% of trip cost.
  • Emergency accident and sickness medical expense: Up to $50,000.
  • Medical evacuation and repatriation of remains: Up to $1,000,000.
  • Pre-existing condition exclusion waiver: Included with in 24 hours of final trip payment.
  • Rental Car Damage or theft coverage: Up to $40,000 per vehicle.
  • Missed connection: Up to $125 per day($500 max per person).
  • Search and Rescue: Up to $50,000 per person.
  • Pet Kennel: Covered up to $100 per day with $500 maximum per pet.
  • Optional cancel for any reason: 75% of non-refundable insured trip cost.
  • Optional Interruption for any reason: 75% of non-refundable insured trip cost.
  • Max Trip Cost Coverage
    Up to $150,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

Quick comparision of iTravelInsured trip cancellation insurance plans

*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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How much does itravelinsured travel insurance cost?

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.

IMG Trip Cancellation Insurance FAQ's

1. Does IMG’s Travel Insurance offer “Cancel for Any Reason” Coverage?

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.

2. Does IMG’s Travel Insurance cover Pre-Existing Medical Conditions?

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.

3. Will the IMG plans offer protection should the person test positive during their trip at any time?

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):

  • Trip Cancellation,
  • Trip Interruption,
  • Accident and Sickness Medical Expense;
  • Emergency Medical Evacuation / Medical Repatriation / Return of Remains

4. 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.

5. Who is eligible to buy the IMG Plans offered by International Medical Group (IMG)?

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.

6. 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

7. 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.

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

No, the IMG plans are not renewable.

9. Do IMG plans cover pre-existing conditions?

The pre-existing conditions coverage varies depending on the IMG plan.

  1. The IMG Lite plan does not cover Pre-existing conditions
  2. The IMG SE plan covers pre-existing conditions if the insurance is bought within 20 days of the initial trip deposit
  3. The IMG LX plan covers pre-existing conditions if the insurance is bought within 24 hours of trip payment.

10. Do IMG plans cover cancel for any reason (CFAR)?

Only the IMG LX plan offer Cancel for any reason (CFAR). The IMG Lite and IMG SE plans provide trip cancellation only for covered reasons.

11. 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.

12. 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

13. 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.

14. My credit card has travel benefits on it already, so why should I buy a trip cancellation insurance plan?

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!

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