Travel insurance is the best way to protect your trip investment from the unexpected. Traveling is an exciting experience, and anything can happen while you are away from home. Our specially designed travel insurance plans paired with our world-class services provide you with the coverage and confidence you need to travel without worry. Wherever your travels take you, we offer coverage to protect both domestic and international trips. Whether you’re taking a cruise, studying abroad with a student travel program, or taking that family vacation that you’ve always dreamed of—we’re here to ensure you have the coverage you need.
IMG’s line of travel insurance products, iTravelInsured Lite, iTravelInsured SE, and iTravelInsured LX, provides varying levels of coverage for trip cancellation, baggage delay, trip interruption, medical benefits, and many other travel-related events and expenses. These plans were designed to protect you from financial losses should something bad happen before or during your trip.
Do I need travel insurance?
- Could you afford to lose your non-refundable, pre-paid travel expenses in the case of your trip being cancelled due to an unforeseen event (ex: death of a family member)?
- Are you traveling to a destination that may be affected by severe weather?
- If you were to get sick or injured on the trip, would you be unable to pay out of pocket for the necessary healthcare?
- If your flight is delayed or cancelled, would you seek reimbursement for the inconvenience and additional charges such as change fees?
- If your luggage is lost or stolen, could you afford to replace the missing baggage or personal effects?
If you answered yes to any of these questions, you should consider travel insurance. While trip cancellation insurance is not mandatory, some countries require proof that a traveler has travel medical insurance before allowing entry. Check out our blog post, "Is Travel Insurance Worth It?" for more information about travel insurance.
How much does travel insurance cost?
Travel insurance costs can range anywhere from 4 to 10 percent of your total trip costs.
Price varies based on how much coverage you’re looking for, and the reasons you’d like to insure your trip. If you’re looking for “Cancel for Any Reason” coverage or to insure a luxury trip, then iTravelInsured LX is the plan for you. iTI LX offers the option to cancel your trip regardless of the circumstances.** However, if you’re looking for more standard cancellation benefits, such as if an immediate family member falls ill and you need to cancel, then the iTravelInsured SE and iTravelInsured Lite plans may be the right plans for you.
What's the difference between travel insurance and travel medical insurance?
Travel insurance is a great way to protect your financial investment for your trip. Travel benefits can provide coverage for prepaid, non-refundable trip costs and some plans also offer limited medical coverage benefits.
Travel medical insurance is primarily used for short term medical coverage when you are traveling outside of your home country. Your domestic insurance plan often does not provide coverage for you in foreign countries. If you were to fall ill or get in an accident, you could have to pay out-of-pocket for those expenses.
Travel Insurance may provide coverage* for items such as:
- Prepaid, non-refundable expenses
- Trip cancellation**
- Travel delay
- Trip interruption
- Lost or stolen luggage
- Emergency medical evacuation*
- Accident and sickness medical expenses*
Credit Card Insurance May Not Cover You
Your credit card may boast about offering travel insurance benefits, but the reality is that they are simply a credit card company. They may offer some benefits with low maximum limits. For instance, if you miss your connecting flight due to a travel delay or your luggage gets lost, you may receive some limited coverage only for those items. If you purchase a travel protection plan through IMG, you are purchasing from a company whose specialty is travel insurance. To learn more, check out "The Truth About Credit Card Travel Insurance."
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2020 Budapest Travel Tips
Commonly called “Paris of the East,” tourists are flocking like never before to Budapest. Between the picturesque historic sites, natural baths, and ruin bars, there is something for everyone.
The first thing you should know is that Budapest is actually two cities: Buda and Pest. They are divided by the Danube River. Buda is known for its scenic views overlooking the mountain, while Pest is known for its popular ruin bars. They are both lovely places, so your choice of where to stay will come down to your personal preference. I recently took a trip to Budapest, so here is a breakdown of each!
Buda is home to three of the top historic sites: Matthias Church, Buda Castle, and Fisherman’s Bastion.
- Matthias Church is known as one of the most ornate churches in all of Europe. You can even visit the historic Hungarian crowns and other relics in the gallery.
- Buda Castle was once home to Hungarian Royalty. It was built in 1265 and now houses two museums.
- Fisherman’s Bastion is named after the fishermen who defended the city of Buda. If you are looking for the best view of Buda and Pest, this is it. Fisherman’s Bastion has seven different towers that offer breathtaking panoramic views.
Buda is at a higher elevation than Pest, which provides beautiful views of the Danube River. Buda is also known as the residential neighborhood. It is much more relaxed, so if you are looking for an authentic stay, give Buda a try.
During my recent trip to Budapest, we chose to stay in Pest as it’s more of an active city famous for its ruin bars, the Szechenyi Baths, local cafes and shopping.
Ruin bars are what I like to call, the “hipster Planet Hollywood.” They are usually in pre-war buildings and feature graffitied walls, off-beat furniture, and live music provide for a cool environment. Most of these bars extend to several rooms and serve food. These bars have live music and DJs 7 days a week.
The vacation rental we stayed in was right across from the most popular ruin bar, Szimpla. Our host was kind enough to leave us earplugs because the ruin bars were often very loud later in the evening. Even with the noise, we felt like we were in a great location because everything was extremely accessible.
You cannot visit Budapest without taking a trip to one of the famous baths. The baths offer everything from spa services, games, wave pools, to even bath parties. The pools are open year-round and are very popular with locals. The Szcehenyi Baths are the most popular. You can purchase tickets in advance to avoid long lines. These tickets typically cover your towel, entrance fee and locker access.
Where to Stay
The cost of accommodations is a huge selling point of visiting Budapest. Travelers can stay in 5-star hotels for less than $300 USD a night! One popular hotel is above the iconic New York Palace Café, which is modeled after Grand Central Station in New York City. The interior is breathtaking.
If hotels aren’t your thing, you might be interested in a vacation rental. It is harder to find a rental house due to the nature of the city, but there are plenty of apartments that can be rented within the city. We were able to rent a three-bedroom apartment, in the heart of Pest for $250 USD a night. We found this to be a bargain compared to the many other international cities that we have visited.
Budapest does not allow Uber, however, Bolt is a ride sharing app for taxis. We did not have any problems with the Bolt app when we were in Budapest. We also chose to ride Budapest’s cable cars, which are a fantastic way to see Budapest. They are above ground and move at a comfortable speed for sightseeing. You can purchase your tickets at the different street stations. Tickets are one-way, so make sure you purchase two tickets if you plan a round trip activity. The ticket machines only take credit and debit cards, so keep the cash at home.
Things to consider before traveling to Budapest:
- Check their holiday schedule. We ended up travelling during their Independence Day which meant that most shops were closed for two days.
- English menus are available at most restaurants
- If you’re a foodie, let the waitstaff order for you. We did this at a café and it turned out to be the best meal we had while in Budapest.
- Check to see where the famous BUDAPEST sign is for a great photo opportunity! It moves every few months.
- Make sure your health is protected with one of IMG’s travel medical insurance plans. Getting sick or injured away from home is never fun, so pick up a Patriot Travel plan before you leave. If you're planning a trip with a high amount of prepaid costs, you might also be interested in trip cancellation coverage. Check out all of our plans here.