What is iTravelInsured Choice Plus Insurance?
iTravelInsured Choice Plus is the most comprehensive version of IMG’s flagship iTravelInsured Choice travel insurance plan, designed for U.S. residents seeking a complete travel insurance plan with trip cancellation and medical coverage in one policy.
The base iTravelInsured Choice plan is already a popular and affordable trip protection insurance option. Choice Plus enhances it by bundling four key upgrades: Cancel and Interruption For Any Reason (CFAR/IFAR), Enhanced Medical Coverage, Cruise Protection, and Sports Protection, making it a strong choice for comprehensive travel insurance for international travel.
The plan includes travel medical insurance coverage up to $250,000, emergency medical evacuation up to $1,000,000, and up to 75% reimbursement with Cancel For Any Reason (CFAR). It also offers primary coverage, meaning eligible claims are paid first without needing to file with your domestic health insurance.
iTravelInsured Travel Choice Plus Insurance Reviews
iTravelInsured Travel Choice Plus - Quick Highlights
- Available to U.S. residents, all ages up to 99.
- Domestic & international trips up to 90 days.
- Emergency medical: $250,000 (primary, no deductible).
- Cancel For Aby Reason (CFAR): 75% of non-refundable trip cost.
- Interruption for Any Reason (IFAR): 75% of insured trip cost after 48 hrs.
- Cruise & sports protection riders included.
- Pre-existing waiver within 21 days of deposit.
- 10-day free look period.
- Purchase up to 1 day before departure.
- Teladoc telehealth included.
What Makes iTravelInsured Choice Plus Different?
iTravelInsured Choice Plus combines the base Choice plan with all four available upgrade riders purchased simultaneously at application. Each rider is available for an additional cost and must be added at the time of purchase they cannot be added later.
1. Cancel & Interruption For Any Reason (CFAR / IFAR)
CFAR: Cancel your trip for any reason and receive 75% of your unused, non-refundable, prepaid trip costs back. You must cancel at least 2 days before your scheduled departure.
IFAR: If your trip is already underway and you need to cut it short 48 hours or more after departure for any reason not covered by the base plan, you receive 75% of your total insured trip cost.
2. Enhanced Medical Coverage
Raises the base plan's emergency accident and sickness medical expense coverage from $100,000 to $250,000, and emergency medical evacuation and repatriation from $500,000 to $1,000,000.
Also increases dental coverage from $750 to $1,000. Ideal for travel to destinations with high healthcare costs or remote locations where costly medevac flights may be required.
3. Cruise Protection
Adds cruise-specific benefits and additional covered cancellation reasons not included in the base plan:
- Itinerary Change Benefit: up to $100 for missed prepaid excursions.
- Travel Inconvenience Benefit: $100 for virus affecting 30%+ of passengers, ship malfunction, port delays.
- Cancellation covered for: government port shutdowns (6+ hrs), excessive water levels, cruise line cancellations.
4. Adventure & Extreme Sports
Upgrades coverage for active travelers and adventurers:
- Sports equipment baggage delay: increases from $300 to $1,000.
- Sports equipment rental: increases from $250 to $1,000.
- Up to $20,000 for accident & sickness medical from adventure sports, extreme sports, hazardous activities, and mountaineering.
What Are the Plan Benefits of iTravelInsured Choice Plus Insurance?
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Trip Cancellation help Up to 100% of the non-refundable insured trip cost Trip Interruption help 150% of the non-refundable insured trip cost Travel Delay help Up to $150 per day per person ($1,000 max per person) Missed Trip Connection help Up to $500 per person Accidental Death & Dismemberment – 24 Hour Maximum Benefit help $10,000 Dental Expense Sublimit help $1,000 per trip -
Accident & Sickness Medical and Dental Expense help Up to $250,000 per person -
Medical Evacuation and Repatriation of Remains Benefit help Up to $1,000,000 per person Political or Security Evacuation and Natural Disaster Evacuation $100,000 per event per person
Who Is iTravelInsured Choice Plus Best For?
iTravelInsured Choice Plus is built for U.S. travelers who want the broadest possible protection from a single affordable plan not just the basics.
The Cruise Protection rider adds ship-specific benefits including port closure coverage, itinerary change reimbursement, and additional cancellation reasons unique to ocean travel.
The Sports Protection rider provides $20,000 in medical coverage for injuries from adventure sports, extreme sports, and mountaineering activities excluded from standard plans.
Primary coverage means no filing with your HDHP first. $250,000 medical kicks in immediately with no deductible you avoid your plan's high deductible entirely for trip-related medical events.
If your travel plans might change, CFAR gives you the ability to cancel for any reason up to 2 days before departure and recover 75% of your non-refundable costs no covered reason required.
With $250,000 primary medical and $1,000,000 evacuation per person, families traveling internationally have solid protection if a serious medical emergency strikes far from home.
The 60-day look-back window is traveler-friendly. Purchase within 21 days of your deposit and eligible pre-existing conditions are covered a meaningful advantage over many competing plans.
Protect Your Trip with iTravelInsured Choice Plus Today
Primary medical up to $250,000 · $1M evacuation · CFAR 75% · Cruise & sports protection · Teladoc included. Starting from just $57 for a 15-day trip.
What Reasons Are Covered for Trip Cancellation and Interruption?
The base Choice plan covers a wide range of standard cancellation events. Choice Plus adds CFAR/IFAR and cruise-specific reasons on top of these.
- Sickness, injury, or death of the insured, a family member, travel companion, business partner, child caregiver, service animal, or pet.
- Insured's primary residence or travel destination rendered uninhabitable by natural disaster.
- Pregnancy unexpected complication or medically required rest.
- Divorce or legal separation occurring after plan purchase.
- NOAA hurricane warning or watch issued for the travel destination.
- Terrorist incident at the destination city within 30 days of departure.
- Emergency military duty related to a natural disaster.
- Government evacuation order or travel ban (Level 4 or higher).
- Mechanical breakdown or grounding of the common carrier causing a delay of 12+ hours.
- Inclement weather causing cancellation or delay of the common carrier.
- CFAR: Any reason cancel 2+ days before departure, recover 75% of non-refundable costs (add-on required).
- Cruise only: Government port shutdown (6+ hrs), excessive water levels, cruise cancellations.
📝 How Do I File a Claim With iTravelInsured Travel Choice Plus Insurance?
To file a claim with iTravelInsured Travel Choice Plus, 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
What Are the Restrictions and Limitations of iTravelInsured Choice Plus?
Review these restrictions carefully before purchasing to ensure this plan is available and appropriate for your situation.
- CFAR and IFAR riders are not available for residents of Missouri (MO), New York (NY), or Washington (WA).
- CFAR and IFAR must be purchased within 21 days of the initial trip deposit. They must be purchased simultaneously with the base plan they cannot be added later.
- All four riders must be purchased at the time of application not after the policy is issued.
- CFAR requires cancellation at least 2 days (48 hours) before scheduled departure to qualify.
- IFAR requires interruption to occur 48 hours or more after departure.
- The plan is available only to U.S. residents traveling domestically or internationally.
- Coverage is not available for residents or travelers visiting Belarus, Russia, Iran, or Ukraine.
- Benefit limits and availability may vary for residents of NY and WA. Check state-specific policy documents.
- Maximum trip cost covered is $10,000 per person. For higher-cost trips, consider iTravelInsured SE or LX.
- Maximum trip duration is 90 days.
- The pre-existing condition waiver requires purchase within 21 days of initial trip deposit and the traveler must not be disabled from traveling at time of purchase.
- Pre-existing conditions are reviewed during a 60-day look-back period prior to the plan's effective date.
Need Assistance Choosing The Right Plan?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
❓ iTravelInsured Travel Choice Plus Insurance - FAQ's
iTravelInsured Choice Plus is the upgraded version of IMG’s popular iTravelInsured Choice travel insurance plan, offering a complete travel protection package. It includes all four optional riders: Cancel & Interruption For Any Reason (CFAR/IFAR), Enhanced Medical Coverage, Cruise Protection, and Sports Protection.
Compared to the base plan, Choice Plus increases travel medical insurance coverage from $100,000 to $250,000 and emergency evacuation from $500,000 to $1,000,000. It also adds 75% CFAR/IFAR reimbursement, cruise-specific benefits, and adventure sports coverage, making it one of the best comprehensive travel insurance plans for U.S. residents.
iTravelInsured Choice Plus offers primary travel medical insurance coverage, meaning it pays eligible medical expenses first without requiring you to file with your domestic health insurance.
This is a major advantage over secondary plans and is especially useful for travelers with high-deductible health plans (HDHPs), helping reduce out-of-pocket costs during international travel.
CFAR (Cancel For Any Reason) allows you to cancel your trip for reasons not covered under standard trip cancellation insurance—such as personal decisions, work conflicts, or travel concerns—and receive up to 75% reimbursement of non-refundable trip costs.
To qualify:- Purchase within 21 days of initial trip deposit.
- Insure 100% of prepaid trip costs.
- Cancel at least 48 hours before departure.
This benefit is not available to residents of MO, NY, or WA.
IFAR (Interruption For Any Reason) provides flexibility after your trip has started. If you need to cut your trip short for a non-covered reason, you can receive 75% reimbursement of your insured trip cost.
The key difference:- CFAR applies before departure.
- IFAR applies after departure (48+ hours into the trip).
Both benefits are included in Choice Plus and must be purchased within the time-sensitive 21-day window.
Yes, iTravelInsured Choice Plus includes a pre-existing condition waiver when purchased within 21 days of your initial trip deposit, provided you are medically able to travel at the time of purchase.
The plan uses a 60-day look-back period, which is more flexible than many other travel insurance plans. The waiver applies to both travel medical coverage and trip cancellation/interruption benefits, making it a strong option for travelers with existing health conditions.
No, all upgrade riders—including CFAR/IFAR, Enhanced Medical Coverage, Cruise Protection, and Sports Protection—must be selected at the time of purchase.
These benefits cannot be added later, so travelers looking for a fully comprehensive travel insurance plan should choose Choice Plus during application.
The plan includes a 10-day free look period, allowing you to review your policy after purchase.
You can cancel within this period for a full refund, as long as:
- Your trip has not started
- No claims have been filed
After this period, the premium becomes non-refundable.
Yes, iTravelInsured Choice Plus is a strong option for cruise travel insurance, especially for U.S. travelers.
The Cruise Protection rider includes:
- Coverage for missed excursions due to itinerary changes.
- Benefits for travel delays, ship issues, or onboard illness outbreaks.
- Additional cancellation coverage for port closures or cruise line disruptions.
Combined with trip cancellation, medical coverage, and evacuation benefits, it provides well-rounded cruise protection.
Yes, the Sports Protection rider covers many adventure and extreme sports activities, including skydiving, scuba diving, and rock climbing, which are usually excluded from standard plans. It provides
- Up to $20,000 in medical coverage for sports-related injuries.
- Increased coverage for sports equipment delay and rental.
iTravelInsured Choice Plus covers trip costs from $500 up to $10,000 per person.
This includes:- 100% trip cancellation coverage.
- 150% trip interruption coverage.
For higher trip costs, travelers can consider plans like iTravelInsured SE or iTravelInsured LX, which offer higher trip cost limits and additional benefits.
The main differences include:
- Trip cost limits: Choice Plus covers up to $10,000, while SE covers up to $150,000.
- Medical coverage: Both can offer up to $250,000 medical and $1,000,000 evacuation.
- Choice Plus advantages: Includes CFAR, cruise protection, sports coverage, and telehealth services.
- iTravelInsured SE advantages: Includes benefits like rental car coverage, pet care, and travel change fees.
iTravelInsured Choice Plus is underwritten by SiriusPoint America Insurance Company, rated A- (Excellent) by AM Best as of 2023. SiriusPoint is a global insurance and reinsurance company, and IMG (International Medical Group) the plan administrator is a SiriusPoint company that has been serving travelers since 1990.
