iTravelInsured Travel LX Insurance by IMG

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.

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.

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 means the Travel LX plan pays eligible medical expenses first, without requiring you to file a claim with any other insurance (such as your domestic health plan). This leads to faster claim processing, fewer steps, and less paperwork for the traveler.

Yes. Because it offers primary medical coverage, the plan can directly pay hospitals or medical providers for covered expenses, reducing or eliminating the need for upfront out-of-pocket payments.

Yes. The Travel LX plan includes a 10-day Free Look Period, allowing you to request a full refund within 10 days of purchasing the policy, as long as you have not started your trip and no claims have been filed. After the 10-day period, the plan becomes non-refundable.

Yes! Even if you have an HDHP at home, unexpected medical expenses while traveling can quickly add up. Plans like iTravelInsured Travel LX provide strong medical coverage and trip protection with no medical deductible, so coverage starts immediately. This ensures you’re protected from the moment your plan is active, giving peace of mind for seniors, families, and travelers with ongoing medical needs.

If you rely only on a High-Deductible Health Plan (HDHP), you may face very high out-of-pocket costs, since HDHPs often don’t cover international treatment or require you to meet a large deductible first. Travel insurance with primary medical coverage for example, iTravelInsured Travel LX available on American Visitor Insurance pays your eligible medical bills immediately, without requiring you to meet your HDHP deductible. This helps you avoid thousands in unexpected expenses.

The iTravelInsured LX insurance plan covers Cancel for any reason, Interruption for any reason, Trip Cancellation, Trip Interruption, Trip Delay, Baggage Loss and Theft, Rental Car Damage, Missed Trip Connection, Pet kennel, Search and Rescue, Accidental Death and Dismemberment, Repatriation of Remains, Accident and Sickness Medical and Dental Expenses, and more.

Yes, iTravelInsured Travel LX plan can cover stable pre-existing conditions like cancer if you qualify for its pre-existing condition waiver by purchasing the policy before your final trip payment and being medically fit to travel.
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Yes. The Pre-Existing Condition Exclusion Waiver is available if you purchase your travel insurance within 24 hours of your final trip payment. This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.