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Travel Medical
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Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
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Enterprise Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
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Medical & Travel
Assistance
Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.
Global Workers' Compensation Case Management
Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
Security Assistance
Services
Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.
Insurance Administrative
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You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.
Coronavirus Disease (COVID-19)
Updated on November 19, 2021, 4:50pm EDT
For ALC product FAQs, click here. Still have questions? Get additional assistance for ALC Health plans or ALC Travel plans.
The virus responsible for COVID-19, was first reported from Wuhan, China in December 2019. On January 30, 2020, the World Health Organization (WHO) declared the outbreak of COVID-19, a “public health emergency of international concern” and, on March 11, 2020, the disease was characterized as a “pandemic.” On March 19, 2020, the U.S. Department of State issued a Global Level 4 Health Advisory. On March 27, 2020, the United States Centers for Disease Control and Prevention (CDC) issued a Global Warning Level 3, "avoid nonessential travel," due to the widespread and ongoing transmission of the novel coronavirus (COVID-19).
As of August 6, 2020, the U.S. Department of State, in coordination with the United States Centers for Disease Control and Prevention (CDC), has removed the Global Level 4 Health Advisory and reverted to a prior protocol of reviewing Travel Warnings on a country specific basis. The removal of the Global level advisory may affect the benefits afforded under IMG’s international medical product offerings.
Under the terms and conditions of IMG’s international medical products (not including iTravelInsured travel protection plans), travelers who purchase coverage may be eligible for benefits directly or indirectly related to COVID-19.
If you have additional questions or concerns, please use this page to learn about the outbreak, access great resources for the most current information, and understand how you or your IMG coverage may be impacted by COVID-19.
Information regarding IMG's health risk assessment, as it pertains to the "back to office" plan for our European offices, can be found here.
Frequently Asked Questions
Insurance Plan FAQs
Operational Capability FAQs
IMG remains ready to provide advice, guidance, and practical support in this rapidly evolving situation. By far, most members who contract COVID-19 will have mild disease and not require admission to hospital but may be admitted to isolation facilities for up to 14 days. If members become more severely unwell, they should follow local advice – they may be directed to specific facilities that are better equipped to manage their condition.
IMG’s ability to move patients with COVID-19 varies throughout a pandemic. Both the originating and accepting countries will likely not allow any patient to travel when infectious. Additionally, travel restrictions are being placed on international travel by many countries across the globe. In most cases, members will have mild disease, remain in country, recover within 14 days, and then be able to travel (if necessary). It is possible that they may be subject to an additional period of quarantine on returning to their home country. As we progress further into a pandemic phase, where there is established community spread, restricting travel between countries becomes less helpful and it is possible that there will be a relaxation of restrictions. In reality, a lag in governmental response combined with regional variations will make transfer of COVID-19 patients complicated. The major challenge in these cases is sourcing an accepting bed, either because countries do not want to import cases or because of the lack of intensive care resources. IMG will make every attempt to coordinate transports in these cases and know which of our air ambulance providers can transfer these patients.
Patients with non COVID-19 disease or injury in outbreak areas may be subject to travel/evacuation restrictions. The extent to which this may occur depends upon the government involved. When widespread testing becomes available, it is our hope that port health authorities will allow transfer, but companies that have employees in poorly resourced areas must have contingency plans for staff to remain in country for treatment. In all cases, IMG will assess capabilities and options individually and will proactively maintain surveillance of our network providers, as well as the spread of the virus, to enable us to act quickly to supply our clients with the best course of action based on their unique situation.
IMG adheres to all governmental laws and regulations as they pertain to assisting and transporting members across the globe. If any member travels to a country after the ban was put in place, this may impact our ability to help them return home. Additionally, IMG must adhere to the travel restrictions themselves. This means that, for example, any member currently in Europe who may require a medical repatriation back to the United States should expect to experience delays in their return. As this is an evolving process, we will learn more in the upcoming days and weeks in terms of what, if any, exceptions of a medical nature can be made considering these travel restrictions. Each individual case is unique and will be reviewed and evaluated individually to determine the best course of action and plan.
Considering recent events and the quickly evolving global situation, IMG is not able to provide assurance that there will be no response interruption. In fact, the more likely outcome is that members should expect to experience a delay in movement in some form, and the extent to which this will impact an individual member and their situation will vary from case to case. IMG is taking steps to proactively remain in contact with our medical and transportation providers around the globe to understand their capabilities and limitations, and to provide the most current advice to our members. Our operations and medical teams also remain available 24/7 for any urgent inquiries, questions, or medical emergencies that may arise. IMG will “Be There” for our customers wherever their travels may take them, and will leverage our travel intelligence, provider network, and expertise in patient movements to come up with an action plan in the best interest of the patient.
Any individual decisions for cancelling or scheduling travel should be made by the member, weighing the most recent news, restrictions, and advice coming from various governmental and global agencies. Please refer to the Centers for Disease Control (CDC), U.S. Department of Homeland Security, U.S. Department of State, and World Health Organization (WHO) for the latest and most up to date information available.
IMG has extensive experience working with governments and medical organizations to assist our members during serious medical situations, including all global health emergencies since 1990. In addition, our robust network of air ambulance providers have experience transferring patients with infectious disease and we are engaged in a continual dialogue with them to understand their worldwide readiness.
General Coronavirus FAQs
The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On January 30, 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “public health emergency of international concern.
For all other questions regarding the disease itself, refer to the World Health Organization’s FAQ page.
The most common symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat, or diarrhea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don't feel unwell. Most people (about 80%) recover from the disease without needing special treatment. Around 1 out of every 6 people who gets COVID-19 becomes seriously ill and develops difficulty breathing. Older people, and those with underlying medical problems such as high blood pressure, heart problems, or diabetes are more likely to develop serious illness. About 2% of people with the disease have died. People with fever, cough, and difficulty breathing should seek medical attention.
People can catch COVID-19 from others who have the virus. The disease can spread from person-to-person through small droplets from the nose or mouth, which are spread when a person with COVID-19 coughs or exhales. These droplets land on objects and surfaces around the person. Other people then catch COVID-19 by touching these objects or surfaces, then touching their eyes, nose, or mouth. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. This is why it is important to stay more than 1 meter (3 feet) away from a person who is sick.
The “incubation period” means the time between catching the virus and beginning to have symptoms of the disease. Most estimates of the incubation period for COVID-19 range from 1-14 days, most commonly around five days. These estimates will be updated as more data becomes available.
*This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
**Insurance benefits contained within the travel protection plans described above are underwritten by the United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United State Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.
Get Medical Insight and Practical Guidance in our Latest Webinar
In the latest Coronavirus-focused IMG webinar, Dr. Tothill shares his medical perspective on how best to prepare for and mitigate the growing threat of widespread COVID-19, advice for those in affected areas, and simple measures most effective in controlling the spread of this Coronavirus.
Updates from IMG's Chief Medical Officer
IMG's Chief Medical Officer, Dr Geoff Tothill, shares the the latest updates on the coronavirus (COVID-19) outbreak, advice for those in affected areas, and simple measures most effective in controlling the spread.
IMG Coronavirus Bulletin January 25th, 2020
IMG Coronavirus Bulletin February 25th, 2020
IMG Coronavirus Bulletin March 12th, 2020
IMG Coronavirus Bulletin March 20th, 2020
COVID-19 Vaccines Q&A February 10, 2021
Primary Resources
Get the Latest Information
What you can do to protect yourself

Regular Hand Washing
One of the most effective ways of reducing spread is through regular and thorough hand washing and avoidance of hand to mouth contact. Use of alco-gel throughout the day can also significantly reduce the risk.

Catch Your Coughs
Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.

Avoid Large Crowds
Being in close proximity to a large number of people, even if they (or you) are wearing a mask, increases the probability that you will contract the virus. Many countries have cancelled large public gatherings in affected areas.

Social Distancing
Substituting face to face meetings with teleconferencing, avoiding shaking hands and distancing from those with flu like symptoms can all help reduce transmission. Staff working in contact centres in endemic areas should avoid sharing headsets or visiting each others work areas.
IMG's COVID-19 Preparedness
While IMG’s Chief Medical Officer and medical team continue to monitor the COVID-19 pandemic and how it may affect our members, clients, and producers, they’re equally as focused on the IMG team’s safety and security. Based on their recommendations and in accordance with our company-wide pandemic response plans, we recently initiated our work from home policy. We believe this was necessary to protect the health and wellbeing of the IMG team, while also allowing us to continue serving you with limited service interruptions.
As a result of these remote working measures, please keep the following in mind:
- USPS mail service may be impacted, affecting mail delivery both to and from IMG. We recommend that IMG claims be submitted to IMGcustomercare@imglobal.com and iTravelInsured claims be submitted to iTravelClaims@itravelinsured.com
- Fulfillment of IMG physical ID cards and other documents may be impacted. As always, IMG plan documents, including ID cards, can be accessed through our website
Like other travel companies and insurance organizations, we are experiencing a high volume of calls, emails, and inquiries regarding COVID-19. We appreciate your patience and understanding as we diligently work to respond to all inquiries during this trying time. Please review the FAQs above for information regarding COVID-19 and how plan or policy benefits may be affected.
For ALC product FAQs, click here. Still have questions? Get additional assistance for ALC Health plans or ALC Travel plans.
Looking for COVID-19 coverage?
Check out our recommended plans
Patriot Platinum Travel Medical Insurance
Temporary first-class health insurance for individuals, families, and groups
Highlights
- COVID-19 coverage for travelers to the U.S.
- Coverages for inside and outside the U.S.
( Patriot America Platinum / Patriot International Platinum ) - Short-term travel medical coverage
- Coverage for individuals, groups, and their dependents
- Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
- Freedom to seek treatment with hospital or doctor of your choice
Summary of Benefits
Maximum Limits | Up to $8,000,000 |
Deductible | $0 to $25,000 |
Extensions | Up to 36 continuous months |
Emergency Medical Evacuation | Up to maximum limit |
Coinsurance for treatment received outside the U.S. (International) | 100% up to the maximum limit |
Coinsurance for treatment received in the U.S. (America) | In the PPO network: 100% up to the maximum limit
Out of the PPO network: 90% up to $5,000, then 100% |
Incidental Emergency Coverage in the U.S.
(Patriot International only) | 14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country |
COVID-19 / SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance |
Acute Onset of Pre-Existing Conditions | Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation |
Travel Intelligence | Included |
Telehealth | Included |
Evacuation Plus | Included |
Eligible Medical Expenses | Up to the maximum limit |
Eligible Medical Expenses | Up to the maximum limit |
Physician Visits/Services | Up to the maximum limit |
Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
Hospital Emergency Room
(Inside the U.S.) | Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
Hospital Emergency Room
(Outside the U.S.) | Up to the maximum limit |
Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
Intensive Care | Up to the maximum limit |
Bedside Visit (Hospitalized in an intensive care unit) | $1,500 maximum limit. Not subject to deductible. |
Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
Supplemental Accident | $300 per covered accident |
Outpatient Surgical / Hospital Facility | Up to the maximum limit |
Laboratory | Up to the maximum limit |
Radiology / X-ray | Up to the maximum limit |
Chemotherapy / Radiation Therapy | Up to the maximum limit |
Pre-Admission Testing | Up to the maximum limit |
Surgery | Up to the maximum limit |
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
Anesthesia | Up to the maximum limit |
Durable Medical Equipment | Up to the maximum limit |
Chiropractic Care
Medical order or treatment plan required | Up to the maximum limit |
Physical Therapy
(Medical order or treatment plan required) | Up to the maximum limit |
Extended Care Facility
Upon direct transfer from an acute care facility | Up to the maximum limit |
Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission | IMG pays 100% |
Natural Disaster Evacuation Must be approved in advance by the company | $25,000 maximum limit. Not subject to deductible. |
Political Evacuation & Repatriation (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
Return of Minor Children (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company) | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible. |
Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
Traumatic Dental Injury
Treatment at a hospital due to an accident | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. |
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
Identity Theft | $500 maximum limit. Not subject to deductible |
Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
Personal Liability
Secondary to any other insurance | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property. |
Pet Return
For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible |
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person | $500 maximum limit. Not subject to deductible. |
Terrorism | $50,000 maximum limit. Not subject to deductible |
Return Travel | $10,000 maximum limit. Not subject to deductible |
Highlights
- COVID-19 coverage for travelers to the U.S.
- Coverage for inside the U.S.
- Short-term travel medical coverage
- Made for individuals, groups, and their dependents
- Coverage for Acute Onset of Pre-Existing Conditions*
- Freedom to seek treatment with hospital or doctor of your choice
Summary of Benefits
Maximum Limits | Up to $1,000,000 |
Individual Deductible Options | $0 to $2,500 |
Extensions | Up to 24 continuous months |
Emergency Medical Evacuation (Must be approved in advance and coordinated by the company) | $1,000,000 |
Coinsurance for treatment received in the U.S. | In the PPO network: 100% up to the maximum limit
Out of the PPO network: 80% of eligible expenses up to $5,000, then 100% |
COVID-19 / SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance |
Acute Onset of Pre-Existing Conditions | Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation |
Eligible Medical Expenses | Up to the maximum limit |
Eligible Medical Expenses | Up to the maximum limit |
Physician Visits/Services | Up to the maximum limit |
Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
Hospital Emergency Room
(Inside the U.S.) | Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
Hospital Emergency Room
(Outside the U.S.) | Up to the maximum limit |
Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
Intensive Care | Up to the maximum limit |
Bedside Visit (Hospitalized in an intensive care unit) | $1,500 maximum limit. Not subject to deductible. |
Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
Supplemental Accident | $300 per covered accident |
Outpatient Surgical / Hospital Facility | Up to the maximum limit |
Laboratory | Up to the maximum limit |
Radiology / X-ray | Up to the maximum limit |
Chemotherapy / Radiation Therapy | Up to the maximum limit |
Pre-Admission Testing | Up to the maximum limit |
Surgery | Up to the maximum limit |
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
Anesthesia | Up to the maximum limit |
Durable Medical Equipment | Up to the maximum limit |
Chiropractic Care
Medical order or treatment plan required | Up to the maximum limit |
Physical Therapy
(Medical order or treatment plan required) | Up to the maximum limit |
Extended Care Facility
Upon direct transfer from an acute care facility | Up to the maximum limit |
Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission | IMG pays 100% |
Natural Disaster Evacuation Must be approved in advance by the company | $25,000 maximum limit. Not subject to deductible. |
Political Evacuation & Repatriation (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
Return of Minor Children (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company) | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible. |
Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
Traumatic Dental Injury
Treatment at a hospital due to an accident | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. |
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. |
Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
Identity Theft | $500 maximum limit. Not subject to deductible |
Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
Personal Liability
Secondary to any other insurance | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property. |
Pet Return
For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible |
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person | $500 maximum limit. Not subject to deductible. |
Terrorism | $50,000 maximum limit. Not subject to deductible |
Return Travel | $10,000 maximum limit. Not subject to deductible |
Highlights
- Trip cancellation maximum benefit up to 100% of trip cost
- Trip interruption maximum benefit up to 150% of trip cost
- $2,500 maximum benefit for trip delay
- $1,000,000 maximum benefit for emergency medical evacuation and repatriation of remains
- Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available
Plan Benefits
The iTravelInsured Travel LX plan provides the highest levels of benefits of all iTravelInsured® plans for the most discerning travelers. Cancel and Interruptions for Any Reason (CFAR) can be purchased as an optional upgrade. This plan provides and can be ideal for travelers going to remote and exotic locations worldwide.
Trip Cancellation* | 100% of Trip Cost |
Trip Interruption | 150% of Trip Cost |
Cancel for Any Reason (CFAR Additional Cost Applies if CFAR is Selected | 75% of Non-Refundable Insured Trip Cost |
Trip Delay | $2,500 ($250 Per Day After Initial Delay of 6 Hours) |
Change Fee | Up to $300 Per Person |
Frequent Traveler Reward | Up to $75 Per Person |
Rental Car Damage And Theft Coverage | Up to $40,000 Per Covered Vehicle |
Missed Trip Connection | $500 ($125 Per Day After Initial Delay of 3 Hours) |
Traveling Companion/Bedside Companion | $500 (Up to $125 Per Day) |
Pet Kennel | $500 ($100 Per Day) |
Medical Evacuation and Repatriation of Remains
| Up to $500,000 Per Person Included Included Included Included |
Search and Rescue | Up to $10,000 Per Person |
Baggage & Personal Effects
| $2,500 ($250 Max Per Item) Included |
Sports Equipment Rental | $2,000 ($500 Per Day After an Initial Delay of 12 Hours) |
Baggage Delay of at Least 12 Hours | Up to $500 |
Accident & Sickness Medical and Dental Expense
| Up to $500,000 Per Person $1,000 Per Trip |
Common Carrier | $100,000 |
Exposure | Included |
Disappearance | Included |
Trip Interruption for Any Reason** | Optional Upgrade - 75% of the Trip Cost Insured |
Trip Cancellation for Any Reason*** | Optional Upgrade - 75% of the Trip Cost Insured |
Coverage Type | Primary |
ALC Prima & Travel FAQs
ALC Prima Plans FAQs
Yes, providing you have not travelled to a country that any government or health authorities have declared a no-go area/country (self-exposure is not covered).
Yes, the self-exposure exclusion will not apply as you already live there.
Asthma is an exclusion on your policy and therefore would be excluded from cover. However, treatment for COVID-19 would still be covered.
Evacuation cover is provided where emergency in-patient treatment is not available locally. If this is required and is covered under the plan, then yes, cover will be provided.
If appropriate treatment is available locally, then this benefit will not be considered.
Please note: when considering an evacuation or repatriation, we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to, and based on those restrictions, the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local government, and global organisations apply restrictions.
If you wish to be evacuated from an area of high exposure, but there is no medical requirement for you to do so, this would not be covered.
If admitted to a State or Charitable Hospital and no claim is submitted under this policy for reimbursement of costs, then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility and we have paid out under the claim, the cash benefit would not apply. All other policy terms and conditions would continue to apply.
We do not cover experimental, unlicensed, or unproven treatment, regardless of whether treatment is medically recommended or prescribed.
Isolation and Quarantine treatment costs in an appropriate medical facility will be covered. There are no exclusions for this in ALC plans. If you are self-isolating at home, we will not cover any incidental costs other than medicines, treatment, and advice provided by a medical practitioner, as per the terms and conditions of your plan.
Disclaimer
Regarding COVID-19, care should be taken that any suspected cases follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and members should call local authorities for advice BEFORE seeking treatment under the ALC plan. This advice should be followed – ALC will not recommend any actions outside of this.
If a member is advised by local Government/Health Department to attend a local medical facility ALC will honour claims as with any other condition, subject to usual policy terms and conditions.
Please note: in respect of all of the above, any advice that the government or health authorities have given would need to be followed. For example, if you were quarantined in a local hospital, we would not be able to move you to a private facility. Governments/organisations/local facilities could restrict the provision of developed treatments and vaccinations to the public sector and these may not be available through private facilities. In these circumstances, members will not be able to circumvent these restrictions despite having a policy that covers them for private facilities and will need to seek the relevant treatment through local public facilities in accordance with the regulations and restrictions for that area. All of the above is subject to your policy terms and conditions. Specific exclusion wordings referenced above.
35 – Costs which arise from or are directly or indirectly caused by self-exposure to needles danger, except in an attempt to save a human life.
42 – Costs and expenses incurred where an insured person has travelled against medical advice.
Cash Benefit – Where hospital accommodation and all treatment costs are provided in a State or Charitable Hospital and no claim is submitted under this policy for reimbursement of any in-patient costs, and providing that the medical condition suffered would be eligible for benefit.
ALC Travel FAQs
No, your policy has a general exclusion for any claims relating to an epidemic or pandemic. This is applicable regardless of when you purchased your insurance. On 11 March 2020, the World Health Organisation declared Coronavirus to be a pandemic. Consequently, there will be no cover for any claims relating to Coronavirus including medical expenses, cancellation, curtailment and travel disruption under your ALC Travel plan.
We will consider claims for medical expenses if you travelled before Coronavirus was declared to be a pandemic (provided you did not travel against Governmental advice against all or all but essential travel). If you suspect you have coronavirus, you should follow local Government or Health Authority advice for the country you are in. If you need urgent medical assistance, please contact the ALC emergency assistance helpline detailed in your policy wording.
You will not be able to claim for the cancellation of your trip if the reason for cancellation is related to Coronavirus.
Disclaimer
The advice above relates to coverage under your ALC Travel policy for claims relating to Coronavirus. The terms and conditions of your policy as they relate to other situations will continue to apply.
We encourage you to contact your travel provider(s) as soon as possible to establish if refunds are available or bookings can be changed and to follow governmental or local health guidelines. UK FCO advice can be found at www.gov.uk/foreign-travel-advice.
IMG Insurance FAQs
COVID-19 Testing
For a COVID-19 diagnostic test to be covered, it must be deemed medically necessary and meet all the terms and conditions of the Insured Person’s Certificate of Insurance. When IMG receives a claim with a single primary diagnosis of suspected exposure to COVID, we review that diagnosis against the Certificate of Insurance provisions and exclusions. If it meets the terms and conditions for coverage and is not specifically excluded, it will be paid. If there is a scenario where a claim was submitted with a primary and secondary diagnosis, we will pay based off the primary diagnosis unless a particular service or procedure is tied to a secondary diagnosis (not applicable to facility-related charges). In those scenarios, we will consider the claim for payment based off the secondary diagnosis.
COVID-19 Vaccinations
All vaccinations are considered routine and are only covered under a Certificate of Insurance that has a wellness or preventative care benefit. The COVID-19 vaccine is viewed in the same manner unless a Certificate of Insurance specifically has a COVID-19 vaccination benefit listed within the Benefit Summary. If the Insured Person purchases a product that has no wellness or preventative coverage and there is no specific benefit for the COVID-19 vaccine in the Benefit Summary, then the vaccine is not a covered benefit. In the 2021 IMG product update releases, there is a specific exclusion for drugs approved under an Emergency Use Authorization (EUA). Currently, all COVID-19 vaccinations are approved under an EUA. In those situations where an Insured Person is covered under a 2021 product version with a wellness or preventative care benefit, but their Certificate of Insurance has the EUA exclusion, there is no vaccination coverage until vaccines are fully approved.
COVID-19 Treatment
As it relates to IMG’s long-term international and short-term travel medical insurance plans, if an Insured Person purchased and traveled from their Country of Residence to a Destination Country before certain travel warning level restrictions were put in place and they are infected with COVID-19 while in a Destination Country, then the Insured Person may have COVID-19 coverage if they meet all other terms and conditions of the Certificate of Insurance. If an Insured Person has a product that has no pandemic exclusion or, within the Public Health Emergency provision the COVID-19 condition has been specifically removed, a COVID-19 diagnosis or related illness will be considered the same as any other illness if the diagnosis meets all other terms and conditions of the Certificate of Insurance.
Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.
There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.
On August 6, 2020, the U.S. Department of State (DOS) and the Center for Disease Control and Prevention (CDC) removed the “Global Level 4” Travel Warning and published country specific assessments and advisories. Depending on the country where you reside you may have coverage for COVID-19. Traveling to countries with a Level 3 Travel Warning and higher, may still restrict coverage so please refer to the following website published by the CDC https://wwwnc.cdc.gov/travel/notices/warning/coronavirus-global to determine your destinations status. Additional information may also be found by contacting your destination countries Office of Foreign Affairs or Ministry of Health.
Your global plan may provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.
Only a medical professional can diagnose when a person acquired COVID-19. IMG would rely upon the professional opinion of the treating physician.
Testing will be covered as a medical expense if the insured meets all terms and conditions of the insurance plan or policy.
COVID-19 is a medical condition and will be treated as any other illness subject to all the terms and conditions of the insurance plan or policy. Any charges incurred and associated proof of claim should be sent to IMG for benefit consideration.
The pandemic exclusion would not be applicable if a travel advisory warning 3 is not in effect at the time the IMG plan is purchased. All exclusions, terms and conditions of the Certificate of Insurance are applicable*.
The pandemic exclusion applies based on the travel advisory dates and the date the insured purchased the IMG coverage or when he/she traveled. If the insured person has coverage* after the travel advisory and contracts the COVID-19 when the travel advisory is in place, he/she does not have coverage for this illness.
If the travel advisory changes and the pandemic exclusion no longer applies, coverage for the COVID-19 is available provided that the condition did not manifest during the time the travel advisory was in effect.
No, for a COVID-19 diagnostic test to be covered, it must be deemed medically necessary and meet all the terms and conditions of the Insured Person’s Certificate of Insurance. This test would not be deemed medically necessary.
Yes, even if the test result is negative, this test would be covered. For a COVID-19 diagnostic test to be covered, it must be deemed medically necessary and meet all the terms and conditions of the Insured Person’s Certificate of Insurance. This test would be deemed medically necessary if fever or sore throat were the primary reason(s) documented for ordering the test.
No, for a COVID-19 diagnostic test to be covered, it must be deemed medically necessary and meet all the terms and conditions of the Insured Person’s Certificate of Insurance. This test would not be deemed medically necessary.
No, if the Insured Person’s product has no wellness or preventative coverage (short-term travel medical policies) and there is no specific benefit for the COVID-19 vaccine in the Benefit Summary, then the vaccine is not a covered benefit.
It will depend on the Insured Person’s Certificate of Insurance. All vaccinations are considered routine and are only covered under a Certificate of Insurance that has a wellness or preventative care benefit. The COVID-19 vaccine is viewed in the same manner unless a Certificate of Insurance specifically has a COVID-19 vaccination benefit listed within the Benefit Summary. In the 2021 IMG product update releases, there is a specific exclusion for drugs approved under an Emergency Use Authorization (EUA). Currently, all COVID-19 vaccinations are approved under an EUA. If an Insured Person is covered under a 2021 product version with a wellness or preventative care benefit, but their Certificate of Insurance has the EUA exclusion, there is no vaccination coverage until vaccines are fully approved.
It will depend on the Insured Person’s Certificate of Insurance. If the Certificate of Insurance has no pandemic exclusion or, within the Public Health Emergency provision the COVID-19 condition has been specifically removed, a COVID-19 diagnosis or related illness will be considered the same as any other illness if the diagnosis meets all other terms and conditions of the Certificate of Insurance. Additionally, if an Insured Person purchased and traveled from their Country of Residence to a Destination Country before certain travel warning level restrictions were put in place and they are infected with COVID-19 while in a Destination Country, then the Insured Person may have COVID-19 coverage if they meet all other terms and conditions of the Certificate of Insurance.
Disclaimer
If you have purchased an individual student product or are a part of a student group, the terms and conditions of your coverage may be different. Please refer to your Certificate of Insurance and Endorsement(s) for further details. These documents can be found on the MyIMG portal.
IMG understands the tremendous impact the COVID-19 pandemic has had on travelers around the world as well as the global health and travel industries. We have developed the following FAQs regarding COVID-19 testing, vaccinations, and treatment to assist you with how coverage may be provided under IMG insured products. The following FAQs are illustrations only and are not a promise or prediction of how any claim would actually be administered. Your Insurance Contract is the only source of the actual benefits provided and we encourage you to review it prior to purchasing and traveling
The above FAQs are illustrations only and are not a promise or prediction of how any claim would actually be administered. Actual claims will be determined after a consideration of all facts and circumstances and a review of the applicable plan language. This information includes summaries of selections of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided. This material is for informational purposes only and do not contain legal advice. This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
iTravelInsured Insurance FAQs
Yes. COVID-19 is treated the same as any other sickness for purposes of all coverages 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.
The same limitations and exclusions that apply to all claims also apply to claims for losses caused by COVID-19 related sicknesses, including the Exclusion for Pre-Existing Conditions (where applicable). Please note that the same rules that determine whether a sickness is considered to be a Pre-Existing Condition also apply to COVID-19.
Certain Plan Designs include a Waiver of the Exclusion for Pre-Existing Conditions. If the Waiver of the Exclusion for Pre-Existing Conditions applies to losses stemming from sicknesses, it also applies to losses stemming from COVID-19.
Likely no.
The Accident and Sickness Medical Expense coverage can only reimburse certain medical expenses, referred to as “Covered Expenses.” The cost of administering a test for any disease, including COVID-19, can only be covered if a Legally Qualified Physician (as defined by your Plan) orders you to be tested. Here, the test is being ordered by the United States government rather than a Legally Qualified Physician. Therefore, the cost incurred for administering this test would not be considered a Covered Expense for purposes of the Plan’s Accident and Sickness Medical Expense coverage or any other coverage – even if you test positive.
However, if a Legally Qualified Physician order you to be tested for COVID-19 or any other disease while on your trip, this could potentially be covered under your Plan’s Accident and Sickness Medical Expense coverage, subject to the standard terms and conditions of your Plan.
Please note that the Plan will not cover the cost of administering a COVID-19 test undertaken solely to comply with the new federal regulations – even if you test positive (see FAQ 3). However, if this test determines that you are positive for COVID-19, then we would consider you to have a “sickness” within the meaning of your Plan’s Accident and Sickness Medical Expense coverage, subject to the standard terms and conditions of your Plan. Therefore, if a Legally Qualified Physician (as defined by your Plan) orders you to undergo medical treatment due to this positive COVID-19 test, your treatment could be covered.
Please note that the Plan will not cover the cost of administering a COVID-19 test undertaken solely to comply with the new federal regulations – even if you test positive (see FAQ 3). However, if this test determines that you or a Traveling Companion (as defined by your Plan) are positive for COVID-19, then we would consider you or the Traveling Companion to have a “sickness” within the meaning of your Plan’s Trip Interruption coverage if a Legally Qualified Physician (as defined by your Plan) determines that you or your Traveling Companion must interrupt the trip due to this sickness. If a Legally Qualified Physician administers the test and he determines that you or a Traveling Companion are unable to continue the trip as planned, then there may be Trip Interruption coverage (as applicable), subject to the standard terms and conditions of your Plan.
If you or a Traveling Companion are determined to be positive for COVID-19 by a test that is administered by someone who is not a Legally Qualified Physician, additional action must be taken in order for this to be considered a covered sickness for purposes of Trip Interruption coverage. As soon as reasonably possible, you or your Traveling Companion will need to seek the attention of a Legally Qualified Physician, and the Legally Qualified Physician will need to confirm that you/your Traveling Companion are sick and that this prevents you/your Traveling Companion from being able to continue the trip as planned. Please note that a physician’s visit delivered via telehealth may be able to satisfy this requirement.
You could also have a payable Trip Interruption claim if you or a traveling companion are forced to quarantine as a result of a positive COVID-19 test. The quarantine trigger for Trip Interruption coverage is discussed in more detail below.
Travel Delay coverage typically covers different expenses than Trip Interruption coverage. This coverage may also be triggered by a positive COVID-19 test if – as a result – you are forced to quarantine due to COVID-19 for the number of hours detailed in your Plan. FAQs below describe what is considered to be a quarantine under Plans containing our travel insurance in more detail.
Please note that the iTravelInsured Travel Plans cover Travel Delays caused solely due to a Traveling Companion’s quarantine, and the iTravelInsured Travel Plans do not cover Travel Delays due solely to sickness. Be sure to check your Plan Document to see what is covered.
The standard rules that apply to Change Fee coverage apply if your Plan contains this coverage. The standard rules that apply to Interruption For Any Reason coverages apply if you purchased this coverage. However, you will not have a payable Trip Interruption claim or Travel Delay claim, as this situation is not a covered reason for either coverage.
Both Trip Cancellation coverage and Trip Interruption coverage can include “sickness” as a covered reason. In order for the “sickness” trigger to apply in either Trip Cancellation coverage or Trip Interruption coverage, you or a Traveling Companion (as defined by your Plan) must require medical treatment at the time of the cancellation or interruption (as applicable), and a Legally Qualified Physician (as defined by your Plan) must determine that this sickness requires you/your Traveling Companion to have to cancel or interrupt the trip. If a Legally Qualified Physician is employed by the travel supplier to administer the temperature check and she determines that your/your Travel Companion’s fever prevents you/your Traveling Companion from being able to embark on or continue the trip, then there may be Trip Cancellation coverage or Trip Interruption coverage (as applicable), subject to the standard terms and conditions of your Plan.
If you or a Traveling Companion fails a temperature check that is administered by someone who is not a Legally Qualified Physician, additional action must be taken in order for this to be considered a covered sickness for purposes of Trip Cancellation coverage or Trip Interruption coverage. As soon as reasonably possible, you/your Traveling Companion will need to seek the attention of a Legally Qualified Physician, and the Legally Qualified Physician will need to confirm that your/your Traveling Companion’s fever prevented you/your Traveling Companion from being able to embark on or continue the trip. Please note that a physician’s visit delivered via telehealth may be able to satisfy this requirement.
The language in our forms does not support an exclusion due to an event becoming “known” or “foreseeable.” As a result, US Fire cannot state that losses caused by COVID-19 would not be covered after a set purchase date. Rather, the date by which the Plan must have been purchased for benefits to be payable will vary from coverage to coverage and from Plan Design to Plan Design.
The coverage that you purchased may include, but is not necessarily limited to, the following covered reasons for Trip Cancellation – all of which could be triggered directly or indirectly by the COVID-19 pandemic. The exact language in each Plan may vary and not all covered reasons are included in each issued Plan:
- Sickness
- Death
- Quarantine
- Called to military duty for a national disaster
- Family or friends unable to provide accommodations due to life-threatening illness or death
- Primary or secondary school continues classes beyond the predefined school year (covered on the Travel LX and Travel SE plans)
- Being required to work during the trip
- Being laid off or fired from your job
In all cases, the triggering event must occur while coverage is in effect. Additional terms apply to all triggers discussed above. See your Plan Document for full details.
The coverage that you purchased may include, but is not necessarily limited to, the following covered reasons for Trip Interruption – all of which could be triggered directly or indirectly by the COVID-19 pandemic. The exact language in each Plan may vary and not all covered reasons are included in each issued Plan:
- Sickness
- Death
- Government-mandated shut down of an airport or air traffic control system
- Quarantine
- Called to military duty for a national disaster
- Family or friends unable to provide accommodations due to life-threatening illness or death
- Primary or secondary school continues classes beyond the predefined school year (Covered on the Travel LX and Travel SE plans)
- Being required to work during the trip
- Being laid off or fired from your job
In all cases, the triggering event must occur while coverage is in effect. Additional terms apply to all triggers discussed above. See your Plan Document for full details.
Plan Documents may include either or both Travel Delay coverage or Missed Connection coverage. Each of these separate coverages may include the following covered reasons – all of which could be triggered directly or indirectly by the COVID-19 pandemic :(the exact language in each Plan may vary and not all covered reasons are included in each Plan):
- Common Carrier Delay
- Quarantine
For Travel Delay, an insured must be delayed (for the number of hours detailed in the Plan Document) while en route to/from or during a trip due to a covered reason.
For Missed Connection, an insured must miss a cruise or tour departure due to a delay (for the number of hours detailed in the Plan Document) caused by a covered reason.
In all cases, the triggering event must occur while coverage is in effect. Additional terms apply to all triggers discussed above. See your Plan Document for full details.
The ordinary meaning of the term “quarantine” is strict medical isolation imposed by a recognized government authority, their authorized deputies, a medical examiner, or a physician to prevent the spread of disease. An order is not considered to impose strict medical isolation unless the order requires the relevant person to be confined twenty-four hours per day, seven days a week throughout its duration.
If you decide to “self-quarantine” upon the advice of comments made by a public health official, or upon the advice of any medical doctor in the media, this is not considered to be a physician-ordered quarantine. Rather, a physician must specifically order the relevant person to be quarantined (and the order must apply twenty-four hours per day, seven days a week throughout its duration).
A “recommendation” is not a quarantine. The order must come from a government or a physician and must be mandatory to qualify as strict medical isolation.
Likely no.
If a government or physician orders you to remain in your home or lodging, this can be considered a quarantine if – and only if – the order to shelter in place is mandatory and applies twenty-four hours per day, seven days a week throughout its duration. If the order is a “recommendation” or if there are exceptions that permit you to leave your home or lodging to obtain necessary provisions or food (etc.), this is not considered to be a quarantine as this is not strictly medical isolation.
This will depend upon the restrictions imposed by the order. If a government or physician orders you to remain in your home or lodging, this can be considered a quarantine if – and only if – the order to self-quarantine is mandatory and applies twenty-four hours per day, seven days a week throughout its duration. If the order is a “recommendation” or if there are exceptions that permit you to leave your home or lodging to obtain necessary provisions or food (etc.), this is not considered to be a quarantine as this is not strictly medical isolation.
If the destination to which you are traveling is requiring all travelers similarly situated to you or (in most – but not all – Plans) your Traveling Companion (as defined by your Plan) to be quarantined (as described above in response to FAQ 12) for a period of time upon entry, you may be eligible for Trip Cancellation coverage – provided the quarantine that you or your Traveling Companion would face is in effect within 14 days of your scheduled departure date. You must cancel your trip within this 14 day period prior to departure. If you cancel your trip more than 14 days prior to your trip, there is no Trip Cancellation coverage due to a quarantine – unless you provide proof at the time of your cancellation that there is a quarantine order that will be in effect on your scheduled departure date.
If you have already departed on your trip but have not yet entered the destination that is requiring all travelers similarly situated to you or your Traveling Companion to be quarantined, there may be coverage for Trip Interruption – provided the quarantine that you or your Traveling Companion would face is in effect within 14 days of your scheduled arrival into that destination.
Please note that this accommodation only applies if the quarantine at your destination is completely unavoidable for all travelers similarly situated to you or your Traveling Companion. If you or your Traveling Companion can avoid the quarantine by testing negative for COVID-19 prior to arrival into the destination, then this accommodation would not apply.
No. The accommodation described above in FAQ 15 only applies if a destination during your trip is requiring travelers similarly situated to you to be quarantined upon arrival. It does not apply if you would face a quarantine in your return destination city or in any other place following the end of your trip.
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 you have not arrived back in your return destination city.
The answer varies based on the Plan that you purchased. However, here are some provisions to focus upon in your Plan to see what can be covered if you must quarantine during a trip.
Trip Interruption coverage reimburses certain unused, non-refundable travel arrangements. Trip Interruption coverage cannot reimburse any additional expenses incurred solely due to a quarantine except for your Additional Transportation Cost (as defined in your Plan). Also, if you quarantine in your prepaid hotel accommodations, you will not receive any reimbursement under the Trip Interruption coverage (or any other coverage in the Plan) for those same prepaid hotel accommodations.
If you incur additional hotel or meal expenses solely due to a quarantine, you 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 you cannot continue travel due to a sickness that does not cause you to need to be hospitalized. Please note that you 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 your 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).
No. A person’s inability to enter a country or state (or municipality, etc.) altogether is not considered to be a quarantine for purposes of either Trip Cancellation or Trip Interruption coverage. However, if the Plan that you purchased includes either or both Cancel for Any Reason or Interruption For Any Reason coverages, benefits would be payable (subject to the standard rules that apply to these coverages).
As stated above, certain Plans may include being laid off or fired from your job as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage. If either or both coverages in your Plan include this language, we will consider a furlough (or other temporary layoffs) to trigger coverage – provided that you are furloughed while your coverage is in effect and the terms of the covered reason are otherwise satisfied. As with all claims, proof of loss will be required to be submitted for benefits to be payable. A statement from your employer describing your furlough may satisfy this requirement.
Some Plans that include being laid off or fired from your job as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage also cover a Traveling Companion’s job loss. If your Plan includes a Traveling Companion’s job loss as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage, the same analysis described above would apply to your Traveling Companion’s furlough (or other temporary layoffs).
Cancellation due to fear of contracting COVID-19, even if reasonable and supported by a physician’s note advising the insured or a traveling companion not to travel due to an underlying condition (or any other reason), would not be covered unless you purchased Cancel For Any Reason coverage (subject to the standard rules that apply to this coverage).
The standard rules that apply to Cancel for Any Reason and Interruption For Any Reason coverages apply if you purchased either or both of these coverages.
The standard rules that apply to Change Fee, Itinerary Change, and Reimbursement of Miles or Reward Points apply if a Plan contains any or all of these coverages.
Additional coverages in your Plan Document may also be triggered.
Neither US Fire nor any other Crum & Forster company offers to Cancel for Any Reason as a travel insurance coverage to residents of New York. US Fire does, however, partner with travel suppliers (such as cruise lines, tour operators, and travel agencies) who provide non-insurance Cancel for Any Reason Waivers to residents of New York. This is what the Governor was referring to. If you purchased your Plan with a cruise line, tour operator, travel agency, or any other travel supplier, we recommend that you ask the travel supplier if it offers a non-insurance Cancel for Any Reason Waiver.
While this is a fluid situation and subject to change, we would like to share some general information regarding the Travel Protection Plan you may have in force. Please keep in mind, however, that all Plans are different, so it is imperative for you to read your Plan Document and contact iTravelInsured if you have any questions related to your specific coverage.
Coverage for COVID-19 Related Claims under the iTravelInsured Travel Products
The answers to the FAQs above are based off of the travel insurance underwritten by United States Fire Insurance Company that is available in most states. Please note, however, that it is possible that the answers to these questions could vary by Plan Design and by state. Your specific Plan Document controls.
IMG Europe Insurance FAQs
Globehopper FAQs
This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and/or governing policy documents (together the ‘Insurance Contract’). The Insurance Contract is the only source of the actual benefits provided.
Within the IMG Globehopper Plan range, we do provide cover for COVID-19 provided no other exclusions or limitations apply and provided the insured has not travelled in contradiction of a travel advisory or travel warning.
HOWEVER, care should be taken that if you have a suspected case of coronavirus you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not be able to recommend any actions outside of this.
Below are some specific Question and Answers which may assist with any questions or concerns.
The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On 11 March 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “global pandemic.”
Yes, provided you have not travelled in contradiction of a travel warning or travel advisory from your country of residence or your destination country. COVID-19 will be treated as any other illness and will be subject to all the usual terms and conditions of the insurance plan or policy.
Important note: If you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not be able to recommend any actions outside of this.
If you travelled in contradiction of a travel warning or travel advisory from your Country of Residence and then contracted COVID19, no benefits will be available for the care or treatment of the virus.
Yes, you will be covered for the care and treatment of COVID-19 subject to any other limitations or exclusions in your policy.
Our Globehopper plans do not cover pre-existing conditions, and this remains the case with COVID-19. Thus, your usual treatments and medications for any pre-existing condition would be excluded as usual. However, if your COVID19 diagnosis causes symptoms related to your pre-existing condition, then claims will be considered on a case-by-case basis.
Evacuation cover is provided for conditions covered under the insurance (an “Eligible Medical Condition”) when emergency in-patient treatment is not available locally. However, if appropriate treatment is available locally then this benefit will not be considered.
Please note we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to if we were looking to evacuate or repatriate, and hence the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local governments and global organisations apply restrictions.
If you are admitted to a State or Charitable Hospital for an eligible medical condition and no claim is submitted under this policy for reimbursement of costs, then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility after we have paid out under the cash benefit, we would not cover the medical claim as well. All other policy terms and conditions would continue to apply.
COVID-19 itself does not affect this benefit. However, our standard terms state that we will not pay claims under this benefit if your local government has issued a travel advisory or warning against travel to another country in the 6 months prior to you travelling there. Clearly most countries now have significant travel advisories and it is likely this benefit would not be payable for new travel.
Provided your plan includes travel related benefits, you may be entitled to Missed Departure and Journey Disruption benefits if a qualified national or local authority issued a travel advisory or warning for your destination. Please refer to the specific wording in your plan.
We do not cover experimental, unlicensed or unproven treatments, regardless of whether treatment is medically recommended or prescribed. This applies in respect of any illnesses, not just COVID-19.
Isolation and quarantine treatment costs in an appropriate medical facility will be covered for COVID-19 where another exclusion or limitation does not apply and you have been instructed to quarantine by an authorized official of the country you are being treated in.
If coverage is available and you are self-isolating at home or elsewhere, we will only cover medicines, treatment and advice provided by a medical practitioner for an eligible medical condition per the terms and conditions of your plan, and not for any other incidental costs.Provided the consultation is for an eligible medical condition and is medically necessary, your plan will cover a teleconference consultation as it would any face-to-face consultation. Standard policy terms and conditions would apply.
Yes, provided you pay any additional premium for the extension period. If you were covered for COVID-19 on your original plan (i.e. you had travelled there prior to any travel advisories against such travel) then your extension plan will also continue to provide the same level of cover in that country.
Yes, provided you pay any additional premium for the extension period. If you were covered for COVID-19 on your original plan (i.e. you had travelled there prior to any travel advisories against such travel) then your extension plan will also continue to provide the same level of cover in that country.
GlobalSelect FAQs
This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and/or governing policy documents (together the ‘Insurance Contract’). The Insurance Contract is the only source of the actual benefits provided.
Within the IMG Global Select Plan range, we do provide cover for COVID-19 provided no other exclusions or limitations apply and provided the insured has not travelled in contradiction of a travel advisory or travel warning.
HOWEVER, care should be taken that if you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not recommend any actions outside of this.
If you are advised by local Government/Health Department to attend a local medical facility IMG Europe will honour claims as with any other condition, subject to usual policy terms and conditions.
The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On 11 March 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “global pandemic.”
Yes. Provided you have not travelled in contradiction of a travel warning or travel advisory from your country of residence or your destination country, COVID-19 will be treated as any other illness and will be subject to all the usual terms and conditions of the insurance plan or policy.
Important note: If you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not be able to recommend any actions outside of this.If you travelled in contradiction of a travel warning or travel advisory from your Country of Residence and then contracted COVID19, no benefits will be available for the care or treatment of the virus.
Yes, you will be covered for the care and treatment of COVID-19 subject to any other limitations or exclusions in your policy.
If there is an exclusion for a specific condition on your plan then this will continue to be excluded from cover. Your usual treatments and medications for any pre-existing condition would be excluded as usual. However, if your COVID19 diagnosis causes symptoms related to your pre-existing condition, then claims will be considered on a case-by-case basis.
Evacuation cover is provided for conditions covered under the insurance (an “Eligible Medical Condition”) when emergency in-patient treatment is not available locally. However, if appropriate treatment is available locally then this benefit will not be considered.
Please note we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to if we were looking to evacuate or repatriate, and hence the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local governments and global organisations apply restrictions.
If you are admitted to a State or Charitable Hospital for an eligible medical condition and no claim is submitted under this policy for reimbursement of costs, then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility after we have paid out under the cash benefit, we would not cover the medical claim as well. All other policy terms and conditions would continue to apply.
COVID-19 itself does not affect this benefit. However, our standard terms state that we will not pay claims under this benefit if your local government has issued a travel advisory or warning against travel to another country in the 6 months prior to you travelling there. Clearly most countries now have significant travel advisories and it is likely this benefit would not be payable for new travel currently.
We do not cover experimental, unlicensed or unproven treatments, regardless of whether treatment is medically recommended or prescribed. This applies in respect of any illnesses, not just COVID-19.
Isolation and quarantine treatment costs in an appropriate medical facility will be covered for COVID-19 where another exclusion or limitation does not apply and you have been instructed to quarantine by an authorized official of the country you are being treated in.
If coverage is available and you are self-isolating at home or elsewhere, we will only cover medicines, treatment and advice provided by a medical practitioner for an eligible medical condition per the terms and conditions of your plan, and not for any other incidental costs.
Provided the consultation is for an eligible medical condition and is medically necessary, your plan will cover a teleconference consultation as it would any face-to-face consultation. Standard policy terms and conditions would apply.
GlobalFusion FAQs
This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and/or governing policy documents (together the ‘Insurance Contract’). The Insurance Contract is the only source of the actual benefits provided.
Within the IMG Global Fusion Plan range, we do provide cover for COVID-19 provided no other exclusions or limitations apply and provided the insured has not travelled in contradiction of a travel advisory or travel warning.
HOWEVER, care should be taken that if you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not recommend any actions outside of this.
If you are advised by local Government/Health Department to attend a local medical facility IMG Europe will honour claims as with any other condition, subject to usual policy terms and conditions.
Below are some specific Question and Answers which may assist with any questions or concerns.The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On 11 March 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “global pandemic.”
Yes, provided you have not travelled in contradiction of a travel warning or travel advisory from your country of residence or your destination country. COVID-19 will be treated as any other illness and will be subject to all the usual terms and conditions of the insurance plan or policy.
Important note: If you have a suspected case of COVID-19 you must follow local Government/Health Department recommendations in terms of receiving treatment or attending a medical facility and you should call local authorities for advice BEFORE seeking treatment under the IMG Europe plan. This advice should be followed – we will not recommend any actions outside of this.If there is an exclusion for a specific condition on your plan then this will continue to be excluded from cover. Your usual treatments and medications for any pre-existing condition would be excluded as usual. However, if your COVID19 diagnosis causes symptoms related to your pre-existing condition, then claims will be considered on a case-by-case basis.
Evacuation cover is provided for conditions covered under the insurance (an “Eligible Medical Condition”) when emergency in-patient treatment is not available locally. However, if appropriate treatment is available locally then this benefit will not be considered.
Please note we will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to if we were looking to evacuate or repatriate, and hence the ability to do so may not be within our control. We will also be unable to guarantee availability to evacuate/repatriate if airlines, local governments and global organisations apply restrictions.
If you are admitted to a State or Charitable Hospital and no claim is submitted under this policy for reimbursement of costs then you are eligible for the cash benefit. Subsequently, if the State or Charitable Hospital were to submit a claim for costs in their facility and we have paid out under the cash benefit we would not cover any medical claim as well. All other policy terms and conditions would continue to apply.
COVID-19 itself does not affect this benefit. However, our standard terms state that we will not pay claims under this benefit if your local government has issued a travel advisory or warning against travel to another country in the 6 months prior to you travelling there. Clearly most countries now have significant travel advisories and it is likely this benefit would not be payable for new travel currently.
We do not cover experimental, unlicensed or unproven treatments, regardless of whether treatment is medically recommended or prescribed. This applies in respect of any illnesses, not just COVID-19.
Isolation and quarantine treatment costs in an appropriate medical facility will be covered for COVID-19 where another exclusion or limitation does not apply and you have been instructed to quarantine by an authorized official of the country you are being treated in.
If coverage is available and you are self-isolating at home or elsewhere, we will only cover medicines, treatment and advice provided by a medical practitioner for an eligible medical condition per the terms and conditions of your plan, and not for any other incidental costs.
Provided the consultation is for an eligible medical condition and is medically necessary, your plan will cover a teleconference consultation as it would any face-to-face consultation. Standard policy terms and conditions would apply.
Notes in respect of all Q&A above:
- Any advice that the government or health authorities have given must be followed. For example, if you were quarantined in a local government hospital, we would not be able to move you to a private facility.
- Governments/organisations/local facilities could restrict the provision of developed treatments and vaccinations to the public sector and these may not be available through private facilities. In these circumstances, you will not be able to circumvent these restrictions despite having a policy that covers you for private facilities and you will need to seek the relevant treatment through local public facilities in accordance with the regulations and restrictions for that area.
- Where your plan includes benefits affected by travel warnings or advisories, you should refer to your wordings and review travel advisories carefully. Cover may be restricted, especially for any new travel being arranged.
- Any excesses or coinsurances under you plan will apply as normal.
- All of the above is subject to your policy terms and conditions.
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