IMG iTravelInsured Travel LX Insurance, IMG Travel comprehensive trip protection Insurance quote online

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.

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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.

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
Insurance that offers standard coverage for trip cancellation, travel delays and other losses incurred while traveling
Travel insurance program for trips up to 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
Emergency medical expense, evacuation, and reunion benefits
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.

Several Trip cancellation/interruption benefits

Benefits are available up to 180 days duration on IMG’s 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

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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	Yes
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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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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IMG Trip Cancellation Insurance - FAQ's

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 :

Requests for cancellation is made within the 10 day free look period after buying the insurance
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.

No, the IMG plans are not renewable.

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.

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

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.