iTravelInsured Travel Essential Insurance by IMG

• Trip Cancellation: Reimburses up to 100% of the non-refundable insured trip cost if you need to cancel for a covered reason.
• Trip Interruption: Provides up to 125% of the non-refundable insured trip cost if your trip is interrupted for a covered reason.
• Travel Delay: Offers up to $2,000 ($250 per day) if your trip is delayed by 12 hours or more for a covered reason.
• Accidental Death & Dismemberment (AD&D): Provides a benefit of $10,000 for common carrier AD&D.

No, the iTravelInsured Essential plan does not include coverage for emergency medical evacuation.

The plan provides coverage for trip delays up to $2,000 but does not mention coverage for missed connections.

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.

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

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.

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.

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.