📌 What is iTravelInsured Travel Choice Insurance?
Ideal for international visitors to the U.S., Starting at just $2/day
iTravelInsured Travel Choice Insurance by IMG is an excellent option for families traveling within the U.S., international travelers, couples on vacation, cruise passengers, business travelers, and solo explorers. It is one of the cheapest trip cancellation insurance plans for U.S. travelers, offering affordable and reliable protection without cutting corners on coverage. It offers primary coverage travel insurance, ensuring eligible medical expenses are paid first for faster, hassle-free claims.
For the iTravelInsured Travel Choice plan, the Pre-Existing Condition Exclusion Waiver is available if purchased within 21 days of your initial trip deposit, and eligible pre-existing conditions are reviewed during the 60-day look-back period prior to the plan’s effective date.
The plan also features four optional upgrade riders are Cancel & Interruption for Any Reason, Enhanced Travel Medical Coverage, Cruise Protection, and Sports Protection which gives travelers the flexibility to customize their policy based on their unique trip needs.
With trip cost coverage up to $10,000, iTravelInsured Choice provides both value and peace of mind. It is underwritten by SiriusPoint America Insurance Company, rated “A” (Excellent) by AM Best, ensuring strong financial stability and trusted claims support.
Whether you’re planning a family holiday, a romantic getaway, or an international adventure, IMG iTravelInsured Travel Choice helps protect your investment and keeps your journey worry-free.
⭐ iTravelInsured Travel Choice Insurance Reviews
❓ Why Choose iTravelInsured Travel Choice Travel Insurance?
IMG’s iTravelChoice is one of the most popular primary trip cancellation plans for US residents. It’s ideal for travelers with high-deductible health insurance, offering faster claims, stronger medical protection, and exceptional value. With a traveler-friendly 60-day look-back period for pre-existing conditions, iTravelChoice provides smoother approvals and greater peace of mind. For reliable, high-value coverage on any trip iTravelChoice is the plan U.S. travelers trust.
Key benefits include:
- Cheapest Trip Insurance Option: Ideal for budget-conscious travelers seeking essential trip and medical protection.
- Trip Cost Coverage: Minimum $500, maximum $10,000.
- Medical Evacuation & Repatriation: Coverage up to $500,000, with an option to increase to $1,000,000.
- Accident & Sickness Medical Expenses: Covered up to $100,000, with an option to enhance coverage to $250,000.
- Airline Reissue or Cancellation Fees: Covered up to $200.
- Optional Riders: Add Cancel for any reason, Enhanced Medical, Cruise Protection, or Sports Protection for extra peace of mind.
- Flexible Purchase Window: Plan can be purchased up to one day before departure.
- 10-Day Free Look Period: Cancel within 10 days of purchase for a full refund if you haven’t started your trip or filed a claim.
Result: Travel Choice provides primary coverage, essential medical protection, and customizable trip benefits, making it an ideal choice for families, couples, solo travelers, and business travelers seeking affordable yet reliable coverage for domestic and international trips.
🛡️ Protect Your Trip for Less!
Get a free quote for the iTravelInsured Travel Choice Plan which is one of the best budget travel insurance options in the USA with trip cancellation and medical coverage.
👤 Who Is Eligible to Buy IMG iTravelInsured Choice Insurance?
- US residents on domestic and worldwide trips.
- Available for travelers up to 99 years.
- Maximum trip duration is 90 days.
❤ Are Pre-Existing Conditions Covered by iTravelInsured Travel Choice?
- Yes. Pre-exisiting condition exclusion Waiver is covered if purchased within 21 days of intial payment.
- Pre-Existing Condition review period: 60 days prior to effective plan date.
🚢 What Does iTravelInsured Travel Choice Cruise Insurance Cover?
This low-cost vacation insurance for cruises is the right choice for your cruise trip.- Cancelling your Cruise: Covers 100% of your trip cost up to $10,000.
- Getting injured or Sick: Emergency accident and sickness benefits up to $250,000.
- Missing the Boat: Coverage up to $500 per person.
- Medical Evacuation: Coverage up to $1,000,000.
- Trip Cost Coverage: The plan offers coverage for trips up to $10,000.
IMG Best Cruise Insurance for U.S. Travelers
💰 How Much Does iTravelInsured Choice Insurance Cost?
The ITravelinsured Choice travel insurance cost ranges from $57 to $1,268 for a 15 day trip.
- Traveler’s age
- Trip Duration
For example here we are showing ITravelinsured Choice Travel Insurance for a maximum coverage of $100,000, with the option to increase coverage up to $250,000. The policy is for a 15-day trip, with trip costs of $1,500, $3,000, $5,000, and $10,000, respectively.
✅ What Are the Plan Benefits of iTravelInsured Choice Insurance?
-
Trip Cancellation help Maximum Benefit Per Person- 100% trip cost
- Single Supplement: $100
- Airline Reissue or Cancellation Fees: $200
Trip Interruption help Maximum Benefit Per Person- 150% trip cost
- Single Supplement: $100
Travel Delay help Up to $150 per day per person($1,000 max per person) Missed Trip Connection help Up to $500 maximum per person Accidental Death & Dismemberment – 24 Hour Maximum Benefit help Up to $10,000 maximum per person Dental Expenses help Up to $750 maximum -
Accident & Sickness Medical and Dental Expense help Up to $100,000 per person -
Medical Evacuation and Repatriation of Remains Benefit help Up to $500,000 per person Political or Security Evacuation and Natural Disaster Evacuation Up to $100,000 per person Baggage Damage or loss help Maximum Benefit Per Person- Up to $1,000
- Lost or Stolen Passports/Visas: $100
- Lost or Stolen Credit Cards: $250
- Per article limit: $250
Replacement of Passport, Visa, or Other Travel Documents Included Sports Equipment Rental Up to $250 per person Baggage Delay help Up to $300 Coverage Type Primary help
➕ Expand iTravelInsured Choice Coverage with Upgrades
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Cancel & Interruption For Any Reason
Cancel for Any Reason (CFAR) If you need to cancel your trip for any reason, we will refund you up to 75% of any unused, non-refundable, pre-paid payments or deposits. To qualify, you must cancel your trip at least 2 days before your scheduled departure.
Interruption for Any Reason (IFAR): If you must interrupt your trip 48 hours or more after departure for any reason not covered by the base plan, we will refund 75% of the total coverage amount you purchased for your travel arrangements.
Important Notes:
- This add-on can only be purchased within the time-sensitive period, typically 20–21 days from your initial trip deposit. Always check the plan documents for exact details.
- Additional terms apply, and availability may vary by state.
- The add-on must be purchased at the same time as the base plan. Benefits are bundled and cannot be purchased separately.
2. Enhanced Medical Coverage
Increases Emergency Accident and Sickness Medical Expense coverage from $100,000 to $250,000 and Emergency Medical Evacuation and Repatriation coverage from $500,000 to $1,000,000.
3. Cruise Protection
This section includes additional benefits and trip cancellation/interruption covered reasons specific to cruise travel.
- Itinerary Change Benefit: Reimburses up to $100 if a major itinerary change causes you to miss a prepaid excursion.
- Travel Inconvenience Benefit: Provides a $100 payment if certain inconveniences occur during your trip, including:
- A virus affecting 30% of passengers
- Issues impacting the ship’s functionality or operations
- Significant delays arriving at or leaving the port
- Water level problems or natural disasters
- Other covered disruptions
- Additional Covered Reasons:
- Government-mandated shutdown of an airport, air traffic control system, cruise port, or train station for at least 6 hours
- Cruise cancellations due to excessive water levels
4. Sports Protection Benefits
- Baggage Delay Coverage: Increases coverage from $300 to $1,000, including sports equipment.
- Sports Equipment Rental Coverage: Increases coverage from $250 to $1,000.
- Accident & Sickness Medical Expenses: Provides up to $20,000 in coverage for injuries or sickness resulting from participation in adventure sports, extreme sports, hazardous sports, and mountaineering.
💊 What Are the Medical Benefits Included in the iTravelInsured Choice?
The iTravelInsured Choice inexpensive trip cancellation coverage includes enhanced medical benefits such as:- Emergency Accident and Sickness Medical Expense – Covers medical treatment if you fall ill or get injured while traveling, up to $100,000, with the option to enhance coverage up to $250,000.
- Emergency Medical Evacuation – Covers transportation to the nearest medical facility or back home if necessary, up to $500,000, with the option to enhance coverage up to $1,000,000.
- Repatriation of Remains – Covers the cost of transporting remains back home in the event of death, up to $500,000, with the option to increase the coverage to $1,000,000.
- Dental Expenses – This plan covers dental expenses up to $750, with the option to increase the coverage to $1,000.
❌ Which Conditions Are Covered Under Trip Cancellation and Interruption?
- Sickness, injury or death of insured, a family member, a travel companion, a business partner, a child caregiver, a service animal or pet.
- Insured’s primary residence or destination being rendered uninhabitable.
- Pregnancy.
- Divorce or legal separation.
- NOAA hurricane warning or watch at destination.
- A terrorist incident.
- Emergency military duty for a natural disaster.
- Evacuations due to national disasters.
- Mechanical breakdown of the common carrier.
- Inclement weather that causes delay or cancellation by your common carrier.
- Travel alert or travel warning for levels four (4) and higher or an evacuation order or travel ban.
🚨 What Emergency Travel Services Are Included in iTravelInsured Choice?
After buying the Itravelinsured Choice trip protection insurance we get 24/7 access to IMG world class customer service while on your trip, including the following emergency travel assistance services designed to give global peace of mind.
- Emergency travel arrangements
- Medical referral
- Loss passport/travel document assistance
- 24 – hour medical monitoring
- Lost Luggage assistance
- Emergency cash transfer
- Legal referrals
- Emergency translations
- Emergency prescription replacement
❓ iTravelInsured Travel Choice Insurance - FAQ's
iTravelInsured Choice is a cheap, affordable friendly travel insurance solution to overcome any adverse travel moments. Whether it is a delayed or cancelled flight, lost or delayed baggage, or an emergency medical situation while away from home. This plan offers trip cost up to $10,000.
Yes this plan covers pre-existing condition waiver if purchased within 21 days of initial trip payment. Pre-existing condition review period is 60 days prior to effective plan date.
Yes. Itravelinsured Choice covers optional cancel for any reason up to 75% of non refundable trip cost.
Itravelinsured Choice is the chepese itravel insured travel insurance offers trip cost up to $10,000.
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.
A pre-existing condition waiver is a benefit offered by some trip protection insurance plans. It may provide coverage for certain pre-existing medical conditions during the trip, provided enrollment deadlines are met and the insured is not disabled from traveling when the premium is paid.
Primary coverage is a type of coverage included in the plan that allows claims to be filed directly with the travel insurance provider, eliminating the need for involvement from the traveler’s health insurance company. Primary coverage in travel insurance means your policy is the first to cover eligible expenses, such as medical costs or trip cancellations. With primary coverage, you don’t have to rely on other insurance, like health insurance or credit cards, making the claims process easier and faster.
The iTravelInsured Choice insurance plan covers Cancel for any reason, Interruption for any reason, Trip Cancellation, Trip Interruption, Trip Delay, Baggage Loss and Theft, Missed Trip Connection, Accidental Death and Dismemberment, Repatriation of Remains, Accident and Sickness Medical and Dental Expenses, and more.
Yes. Travel Choice offers primary coverage travel insurance, meaning it pays eligible medical expenses first, without requiring you to file a claim with any other health insurance. This ensures faster claims processing and less paperwork for travelers.
Yes. Because it is primary coverage, it is suitable for travelers who do not have U.S. domestic health insurance or want their travel insurance to pay first for eligible medical expenses.
Yes. The plan can be purchased up to one day before departure, making it flexible for travelers who book trips at the last minute.
Yes. Travel Choice includes a 10-day Free Look Period, allowing you to request a full refund if canceled within 10 days of purchase, provided your trip has not started and no claims have been filed. After 10 days, the plan becomes non-refundable.
Primary coverage means your travel insurance pays first, without waiting for your domestic health insurer to process the claim. This is especially helpful for travelers with High-Deductible Health Plans (HDHPs) because it reduces out-of-pocket costs and speeds up reimbursements.For example, iTravelInsured Travel Choice is a primary coverage plan that pays eligible medical expenses upfront, making it ideal for travelers who want to avoid high deductibles and long claim delays.
Primary coverage plans like iTravelInsured Travel Choice or Travel LX are ideal because they have no medical deductible and pay claims first.
Most trip insurance plans (like Travel Choice / Travel LX) have no medical deductible, so your coverage begins immediately.
🔔 Why Should I Buy IMG on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different IMG plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best IMG plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying IMG.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for IMG claims should you need to use the insurance coverage while on your vacation.
✈ What Are Examples of iTravelInsured Travel Choice Coverage?
- Trip Cancellation - Protect your financial investment in the event you have to cancel your trip. Having travel insurance with a trip cancellation benefit can help you to avoid losing the money you’ve invested in a trip you can no longer take. iTravelInsured Choice covers up to 100% trip cost up to $10,000..
- Travel Insurance for Flights - Whether the airline loses your bags, your flight gets delayed or cancelled, or a host of other unexpected issues, having travel insurance can provide financial protection when something goes wrong. iTravelInsured Choice insurance covers Up to $150 per day per person($1,000 max per person).
- Cancel For Any Reason Insurance (CFAR) - Cancel For Any Reason coverage is a travel insurance benefit that allows you to get partially reimbursed for cancelling a trip for a reason not otherwise covered under your plan. You can quite literally cancel a trip for any reason, and still get some of your money back. iTravelInsured Choice trip plan covers up to 75% of non-refundable trip cost.
- Medical Evacuation and Repatriation of Remains - It may provide coverage and assistance for an approved, medically equipped flight to return home, or the repatriation of mortal remains to the insured's primary residence country. iTravelInsured Travel Choice covers up to $500,000, with the option to enhance coverage up to $1,000,000..
📝 How Do I File a Claim With iTravelInsured Travel Choice Insurance?
To file a claim with iTravelInsured Travel Choice, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
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Our Customer Service team is available 24x7, putting your needs first every step of the way.
🚫 What Are the Restrictions for iTravelInsured Travel Choice Insurance?
- Optional Cancel for Any Reason (CFAR) is not available for residents of: MO, NY and WA. CFAR must be purchased within 21 days of initial trip deposit date.
- Optional Interruption for Any Reason (IFAR) is not available for residents of: MO, NY and WA. IFAR must be purchased within 21 days of initial trip deposit date.
- iTravelInsured Travel Choice Insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.