iTravelInsured Travel LX Insurance by IMG

Robust plan with optional cancel and interruption for any reason benefits

iTravelInsured Travel LX Insurance Cost, iTravelInsured Travel LX travel insurance

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International Medical Group Insurance

iTravelInsured Travel LX Insurance

The iTravelInsured Travel LX plan provides the highest level of benefits for the more discerning travelers. This plan is ideal for travelers going to remote and exotic locations worldwide. With iTravelInsured Travel LX you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of covered reasons. Benefits are also provided for travel delays, baggage delays, and emergency medical treatment while you’re away from home.

Regarding the Volcanic activity in Iceland

Regarding the recent volcanic activity in Iceland, IMG’s travel protection plans (including iTravelInsured plans) purchased prior to November 16, 2023, may provide coverage for benefits if travelers’ plans are affected by this natural disaster.

As of November 16, 2023, our travel insurance carrier partners consider this natural disaster a foreseeable event. Claims are not payable if a natural disaster is foreseeable prior to the effective date of the plan. Therefore, plans purchased on or after November 16 will not be eligible for coverage for losses due to this volcanic activity.

Note: Customers should refer to their plan documents for complete terms and conditions as coverage may vary by plan and state.

Several Trip cancellation/interruption benefits

Benefits are available up to 180 days duration on IMG’s iTravelInsured Travel LX plan, These include
  • Normal pregnancy or childbirth or attending the childbirth of the insured's family member or surrogate mother
  • Legal separation or divorce
  • Pet or service animal is sick, diagnosed with a terminal illness, injured, or dies
  • Adoption
  • Travel ban, travel alert or warning for levels 4+, or an evacuation order
  • Closure of trails or slopes due to insufficient snow, natural disaster, or trail conditions

IMG’s iTravelInsured Travel LX Insurance plan summary

  • US Residents on domestic and worldwide trips
  • Includes cancel for any reason and interrupt for any reason benefit
  • Maximum trip duration: 180 days
  • Maximum age insured: 99 years
  • Pre-Existing Condition Exclusion Waiver: Yes, if purchased within 24 hours of final trip payment
  • Pre-existing condition review period: 60 days
  • Minimum trip cost to be insured: $500
  • Maximum trip cost to be insured: $150k
  • Coverage type: Primary
  • Premium refund: if cancelled within 10 days from the plan effective date, as long as your trip departure date has not occurred and you have not filed a claim.
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International Medical Group Insurance - FAQ's

01. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

03. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their vacation insurance plans.

04. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

05. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

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Plan benefits of iTravelInsured Travel LX insurance

  • Trip Cancellation Up to 100% of the non-refundable insured trip cost
    Trip Interruption 150% of trip cost
    Optional Cancel for Any Reason (CFAR)** 75% of non-refundable insured trip cost
    Optional Trip Interruption For Any Reason (IFAR)** 75% of non-refundable insured trip cost
    Travel Delay Up to $250 per day per person($2.5k max per person)
    Change Fee Up to $300 per person
    Frequent Traveler Reward Up to $75 per person
    Rental Car Damage and Theft Coverage Up to $40k per covered vehicle
    Missed Trip Connection Up to $125 per day($500 max per person)
    Traveling Companion Bedside Companion Daily Benefit Up to $200 per day($1k max per person)
    Pet Kennel $100 per day ($500 max per pet)
    Medical Evacuation and Repatriation of Remains Benefit Up to $1M per person
    Return Transportation Included
    Transportation of Children/Child Included
    Bedside Visit Transportation to Join You Included
    Hospital of Choice Included
    Search and Rescue Up to $10k per person
    Political or Security Evacuation and Natural Disaster Evacaution $50k
  • Baggage and Personal Effects $2.5k($250 max per item)
    Replacement of Passport, Visa, or Other Travel Documents Included
    Sports Equipment Rental Up to $500 per day($2k max per person)
    Baggage Delay Up to $500
  • Common Carrier Accidental Death $100k
    Exposure Included
    Disappearance Included
  • Accident & Sickness Medical and Dental Expense Up to $500k per person
    Dental Expense Sublimit $1k per trip
    Coverage Type Primary
  • 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 scheduled destination being rendered uninhabitable Yes
    Documented theft of passports/visas Yes
    Involved in a merger, job loss or job relocation Yes
    Documented traffic accident Yes
    Unannounced strike Yes
    Inclement weather that causes delay or cancellation by your common carrier Yes
    Mechanical breakdown of the common carrier Yes
    Mandatory evacuations due to national disasters Yes
    Emergency military duty for a natural disaster Yes
    A terrorist incident Yes
    Revoked military leave Yes
    Financial Insolvency or financial default of an entity that directly provides travel arrangements Yes
    NOAA hurricane warning or watch at destination Yes
    Court order to appear as witness Yes
    Jury duty Yes
    Hijack Yes
    Pregnancy or adoption Yes
    Divorce or legal separation Yes
    Travel alert or travel warning for levels four (4) and higher or an evacuation order or travel ban Yes
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IMG Trip Cancellation Insurance for Covid Illness

IMG trip cancellation insurance for Covid illness - FAQ's

Will the IMG plans offer protection of loss of trip costs due to a positive COVID test prior to traveling (person may be asymptomatic) since the person is unable to travel? (The policy mentions "sickness" but this may not be a debilitating illness, but it does prevent travel)

01. 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.

02. Does IMG’s Trip cancellation travel Insurance include Covid19 coverage?

IMG provides travel insurance includes coverage for Covid19 related trip cancellation and medical expenses. IMG’s Travel SE, Travel Lite and Travel LX Basic trip cancellation insurance plans all include Covid coverage. The IMG trip cancellation plans will cover you and reimburse all the financial loss incurred in prepaid expenses and non-refundable deposits.

03. 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.

04. 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

05. Will trip delay include coverage for quarantine for COVID (or other illness)?

Regardless of the terms of the Plan, United States Fire Insurance Company has made the administrative decision to allow for coverage to be extended for the entire duration of a COVID-19 related quarantine, and coverage will be extended for five additional days following the end of the quarantine provided the travelers have not arrived back in their return destination city.

If the travelers incur additional hotel or meal expenses solely due to a quarantine, they will not receive any reimbursement under the Trip Interruption coverage either. Trip Interruption coverage may include a provision that provides reimbursement for additional hotel nights and meals (among other expenses) if the travelers cannot continue travel due to a sickness that does not cause them to need to be hospitalized. Please note that the travelers would actually need to be sick, as certified by a Legally Qualified Physician (as defined by your Plan), for this to apply if this provision is in their Plan.

However, when included in a Plan Design, the Travel Delay and Missed Connection coverages may be able to reimburse additional meal and hotel expenses incurred solely due to a quarantine (subject to the terms and conditions of the applicable coverage).

06. 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.

07. Do these IMG trip plans cover the traveler if infected by Covid?

If the traveler becomes ill with Covid while they are insured, it will be covered like any other sickness. Along with trip costs and any eligible medical expenses, related Quarantine expenses may also be covered if required by the concerned authority.

08. Does IMG cover the Covid vaccination?

IMG plans do not cover COVID vaccination since all preventive care is not covered. However it will cover COVID-19 treatment as any other eligible sickness if the infection happens after the policy is effective.

09. 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.

10. 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

11. 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.

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

No, the IMG plans are not renewable.

13. 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.

14. 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.

15. 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.

16. 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

17. If a traveler contracts COVID after starting the trip and must quarantine, would he/she qualify for both quarantine and interruption benefits?

There isn’t a specific “quarantine” benefit, but benefits could apply under both IMG travel Insurance’s Trip Interruption and Travel Delay benefits. Trip interruption would generally reimburse for the prepaid, unused, nonrefundable elements of the trip that are lost. 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.

18. 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.

19. If a traveler needs to further quarantine after completing the required isolation for COVID-19? Will the travel insurance cover it?

If the traveler is required to quarantine as per the terms of coverage, benefits would be extended for up to 5 days after the period of quarantine ends (per the guidelines provided by our underwriter).

20. If a traveler needs to quarantine while waiting for a COVID-19 screening test result, will the travel insurance cover it?

The policy defines quarantine as follows: Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

21. 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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iTravelInsured Travel LX Insurance that covers Covid Quarantine

  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay which is $2.5k/$250 per person per day and is included in the basic coverage.
  • US Residents on domestic and worldwide trips.
  • This plan offers Trip Cancellation up to 100% of the non-refundable insured trip cost.
  • This plan offers Cancel for Any Reason up to 75% of non-refundable insured trip cost.
quarantine coverage

iTravelInsured Travel LX Insurance Restrictions

  • Optional Cancel for Any Reason (CFAR)is not available for residents of: MO, NY and WA. CFAR must be purchased within 20 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 20 days of initial trip deposit date.
  • iTravelInsured Travel LX Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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