Protect Your Trip Investment with iTravelInsured Travel Plans
Travel insurance is the best way to protect your trip investment from the unexpected. We offer a full line of travel protection plans including iTravelInsured Travel Lite, iTravelInsured Travel SE, and iTravelInsured Travel LX, that provide 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.
Traveling is an exciting experience, and anything can happen while you are away from home. Our iTravelInsured travel protection 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.
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 Travel LX is the plan for you. iTravelInsured Travel 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 Travel SE and iTravelInsured Travel 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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How to Choose the Best Travel Medical Insurance Plan
What is the best travel medical insurance plan? What exactly is travel medical insurance? Is it required for my international trip? What should I look for in a travel medical insurance plan to make sure I’m covered?
These are just a few of the questions travelers have been asking themselves as they plan their first vacation, family visit, or study abroad semester since the coronavirus pandemic began. Travel medical insurance may appear overwhelming, but its purpose is simple: travel medical insurance provides coverage for unexpected accidents or illnesses when traveling outside your home country.
Many domestic health insurance plans don’t provide coverage beyond the borders of your home country. Getting bit by a dog or falling and breaking your leg while traveling internationally could leave you paying thousands of dollars for proper medical care.
Prior to the coronavirus pandemic, most countries didn’t require travel medical insurance for entry, but many countries are now requiring proof of travel medical insurance (some even require COVID-19 coverage) to enter (yes, even for short trips).
Countries with longstanding travel medical insurance requirements for entry include:
- Schengen Countries – Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Hungary, Liechtenstein, Latvia, Italy, Lithuania, Luxembourg, Malta, Netherlands, Norway, Portugal, Slovakia, Slovenia, Poland, Sweden, Switzerland, and Spain
Countries with new travel medical insurance requirements due to COVID-19 include:
- Costa Rica
- St Maarten
- Turks and Caicos
- United Arab Emirates
Choosing the “best” travel medical insurance plan often depends on your reason for traveling as there are many plan and benefit options available. IMG has been a leader in the travel medical insurance industry since 1990 and offers several different plans to fit every traveler’s needs. Let’s take a look at some of the most common scenarios for travel and the best travel medical insurance plans for each.
International Travelers on Vacation or Holiday
2020 has everyone dreaming of their next international vacation. Maybe you’re planning a heritage trip to Italy with your family to explore your Italian roots for two weeks. A week into your trip, you notice a little sniffle, but nothing too serious; you chalk it up to allergies. The next morning, you wake up with a fever and a sore throat. You think it could be a dreaded sinus infection, but you need to find a doctor to get the appropriate care and medicine to get you back in action as soon as possible.
IMG's Patriot Travel Medical Insurance provides coverage for physician visits, urgent care clinics, and prescription medications.* Use the MyIMG portal to find a doctor and let IMG’s Customer Care team help you navigate the language barrier. Schedule a same-day appointment at an urgent care clinic, get all of your necessary medications, and then get on your way back to see your family without paying a fortune for international medical care.
Consider another example: you’re an adventure junky and can’t wait to hit the slopes. On your first day out, you hit a huge rock while and damage your skull and fracture your spine in four different places requiring you to be airlifted from the mountain to the hospital, where you spend 12 days recovering after surgery. This was a real-life scenario for one IMG member who was glad to have purchased a Patriot Travel Medical Insurance plan. Without a travel medical insurance plan, this event would have cost the member tens of thousands of dollars.
There is travel medical insurance, and then there is travel insurance (or travel protection insurance). It can be confusing, but travel insurance is meant to protect your trip investment in the case of unexpected cancellation or interruption of your trip. IMG’s travel protection plans also include medical benefits, which make them a great option if you have a large amount of pre-paid, non-refundable trip costs that you’d like to insure for your upcoming trip (e.g. cruises, safaris, or guided tours). Learn more about travel insurance here.
Visiting Family in the U.S.
Visitor insurance commonly refers to travel medical insurance for non-U.S. residents visiting the U.S. for a period of less than two years. Receiving medical care in the U.S. can be much more expensive than other areas of the world. Due to these higher medical costs, IMG has specific travel medical insurance plans designed for U.S. visitors such as Patriot America Plus and Patriot America Platinum travel medical insurance plans. While a travel medical insurance plan isn’t currently required for entry into the U.S., it is highly recommended.
Grandparents play a very important role in families and it’s common for grandparents of immigrants to travel to the U.S. to help care for their grandchildren or spend a few months visiting. While they’re in the U.S., it’s important to protect their health. Before choosing the proper level of visitor insurance coverage, consider these factors:
Health Status – if the traveler is in good health, does not get sick often, and does not have pre-existing conditions, then you may explore a plan with less coverage such as Visitors Care. If the traveler is the opposite, it is safest to purchase a plan with higher maximum limits and the most benefits available such as Patriot America Platinum (this plan also includes COVID-19 coverage if contraction and treatment occur after the effective date)*
- Activities – When family comes to town, it’s a celebration! Perhaps your family has additional trips planned like a group ski or hiking trip, or maybe they’re looking forward to staying local and exploring your hometown with the children. For more active travelers, consider adding the Adventure Sports Rider to a Patriot Travel Series plan
- Length of Stay – The longer the traveler stays, the higher chance that that the traveler may get sick or have an unexpected injury, so a Patriot America Plus or Patriot America Platinum plan would be ideal for longer stays
Overall, IMG’s most popular visitor insurance plan is Patriot America Plus, which provides coverage for acute onset of pre-existing conditions.** Additionally, IMG recently updated both their Patriot America Plus and Patriot America Platinum visitor insurance plans to include COVID-19 coverage (if contraction and treatment occur after effective date). To learn more and read about real life examples regarding IMG’s visitor insurance plans, check out our “How To Choose The Best Visitor Insurance Plan For You” blog here.
**Acute onset of pre-existing condition is defined as “a sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care.” Pre-existing conditions that are chronic or congenital, or that gradually become worse over time are not covered under this benefit.
Studying abroad can be one of the most exciting and rewarding times of a student’s scholarly career. International student health insurance is one thing you don’t want to leave off the school supply list. Many schools and universities require proof of health insurance before enrolling for the semester and IMG’s student health insurance plans meet most university requirements.
After enrolling, most universities will offer a group insurance plan with the option to waive your participation if you can provide your own plan. Oftentimes, students opt to purchase their own plans due to finding more affordable plans outside of the university’s offered group plan.
For international students that are healthy and budget conscious, our Patriot Exchange plans meet the U.S.’s J-1/J-2 visa health insurance requirements and most schools’ waiver requirements U.S.'s J-1/J-2 visa health insurance requirements and most schools' health insurance requirements (for F-1/F-2 and M-1/M-2 visa holders). The Patriot Exchange plan is the most budget friendly option, however, if the student becomes sick or injured, they are responsible for any remaining cost that goes above the selected maximum limit.
If you are looking for a student health insurance plan that covers younger and older scholars with dependents, Student Health Advantage (SHA) may be the plan for you. SHA is designed for students from kindergarten to graduate school and offers an enriched benefit schedule and more in-depth coverage (e.g. mental and nervous disorder coverage and organized sports coverage). To learn more and read about real life examples regarding IMG’s student health insurance plans, check out our “Choosing The Best International Student Health Plan” blog here.
For those spending a longer or indefinite period of time outside of their home country, you may be interested in one of IMG’s international private medical insurance plans designed specifically for expats.
At the end of the day, it’s important that you choose the best insurance plan that fits your needs. Not every traveler is the same age, has the same budget, is going to the same destination, or even traveling for the same amount of time. If you have questions or are looking for more information about any of our plans, we encourage you to reach out to our Sales Service Center. They would love to hear from you and can be reached at (866) 368-3724.
*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.
Frequently Asked Questions
Do you know if any type of travel insurance coverage is included with your credit card? How about your health care policy? Maybe your homeowner’s plan? Medicare?
Travel insurance is designed to provide coverage where none exists, or at least fill in major gaps that exist in other types of insurance programs. Coverage gaps are caused by a complete absence of coverage, deductibles, exclusions, coinsurance or co-payment penalties. Review your personal credit card, health, homeowner’s and other insurance programs that you already own, and use this guide to make an informed decision about the purchase of travel insurance.
Credit Cards - Recent estimates suggest that the average American has four credit cards. A review of over 136 credit cards revealed that less than 15% actually provided some type of travel insurance as a credit card benefit, and if they did it was on a very limited basis. Trip cancellation and Interruption benefits are not typical benefits offered by credit card programs.
Homeowner’s or Renters Insurance - Personal Property Coverage in a Homeowner’s insurance coverage generally provides for loss to personal property, anywhere in the world, subject to named perils (i.e. fire, theft, vandalism, etc.), less a deductible (usually $500 or $1,000), contained in “temporary living quarters” occupied by the named Insured. Homeowner’s insurance does not provide coverage for trip cancellation, interruption, baggage delay or medical benefits.
Health/Medical Insurance Plans - Traditional domestic health insurance plans may not provide coverage outside the U.S. If they do, the plans may impose high deductibles ($1,000 to $5,000) and co-pays (60 – 80% of eligible charges). Out-of-country emergency medical transportation services are not commonly offered under health care plans due to the cost for this service.
Medicare - To be eligible for Medicare, a U.S. citizen must be aged 65 or older. Medicare does not provide coverage outside the U.S. unless a Medigap (C or higher) plan is purchased. Medigap plans generally limit coverage to 80% of emergency treatment costs less a $250 deductible. Most Medigap plans also have a lifetime maximum of $50,000.
U.S. Embassies - The U.S. government will not provide coverage for medical costs or medical transportation needs. The State Department may assist in arranging medical transportation, but the responsibility for payment is yours alone.
Check your other insurance carefully to understand what benefits are offered with your credit card and how those benefits are activated. Airlines, cruise lines, hotels, tour operators have cancellation penalties. A discussion with your travel agent will help you become aware of your financial exposure should the unexpected happen.
Protect your financial investment with an iTravelInsured plan.
The perils protected against are listed in your policy and include various benefits available to you in the event you must interrupt your covered trip for a covered reason. These perils are similar to the trip cancellation perils except they provide coverage once you depart for your covered trip. The insured is reimbursed for unused non-refundable travel arrangements plus additional transportation costs to catch up to their trip or return home early.
Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this policy is received. This is your “Effective Date” and begins the trip cancellation benefits. All other coverage begins when you depart on the first travel arrangement for your trip.
To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your policy. Depending on your choice of policy, qualified reasons could be limited to weather and family emergencies or illnesses, while others allow you to cancel your trip for any reason.
Your credit card or domestic insurance may cover you in some instances, but few plans are as comprehensive as travel insurance. It is best to check all of your existing insurance policies before traveling abroad so that you're aware of how you're covered.
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