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?
There are many reasons why you should consider travel insurance. While trip cancellation coverage is not mandatory, some countries require proof that a traveler has travel medical coverage 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:
- Trip cancellation**
- Travel delay
- Trip interruption
- Baggage and person effects
- 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."
Recent Blog Articles
Where Can You Travel Internationally Right Now?
With COVID-19 cases on the decline and the vaccines being distributed at a record rate, it feels like there is finally a light at the end of the tunnel. Hotels are selling out and flights are being added daily; travel has returned. As wonderful as staycations and road trips can be, people are also itching to cross an international destination off their bucket list. There are many places you can currently travel, but here are eight popular spots to consider for your next leisure getaway.
Travel Tip: Dreaming of blue water and white sand as far as the eye can see? One of the great things about traveling in the Caribbean is that many resorts are all-inclusive. Consider booking your next vacation at an all-inclusive resort as it’s another way to help slow the spread and minimize your own risk to COVID-19.
The Bahamas have reopened for international travelers as of summer 2020. In order to visit, you must complete a negative PCR COVID-19 test within five days of departing for the Bahamas. As soon as you receive your negative test, you will then apply for the required Bahamas Travel Health Visa. The visa includes required medical health insurance and processing time for the visa can take a few days, so be sure to apply as soon as receiving your negative test results. Once your visa is approved, you will need to present it at the airport and upon arrival. The islands encourage social distancing and masking but some islands have different regulations than others, so make sure to do your research before arrival. If your stay is less than five days long, each morning you will receive a symptom check email; you must complete the email1. While it may be more hoops to jump through than you're used to, these tiny and easy steps are well worth it for the weather and views.
Turks and Caicos
The Turks and Caicos islands require both a negative PCR COVID-19 test within five days of travel and travel insurance. IMG's iTravelInsured plans meet the requirements for travel insurance. There is a required health screening questionnaire prior to entry, but after you arrive, there are no additional checks or monitoring. Turks and Caicos are known for having the best diving in the Caribbean.
Panama has been reopened to international travelers since October 2020. They require a negative PCR COVID-19 test within 48 hours of the traveler’s arrival time. If you are unable to obtain the results within 48 hours, travelers have the option to pay $50 for a rapid test at the Panama airport prior to passing through customs. Panama requires all visitors to complete an electronic affidavit accepting the following terms2:
- Comply and adhere to all sanitary control measures
- Provide destination information for the duration of the trip for contract tracing
- Complete a symptom check to confirm health status
Known for its amazing national parks, Costa Rica is open to international travelers. For those looking to travel while safely enjoying the great outdoors, Costa Rica is a fantastic destination. Costa Rica currently accepts negative PCR and antigen COVID-19 tests to enter the country. The tests can be taken up to 72 hours before the flight and you will need to fill out a digital health pass 48 hours before arrival. Travel insurance is required and policies must meet the requirements below3:
- Coverage for the entire duration of stay in Costa Rica
- $50,000 minimum coverage travel medical insurance including COVID-19
- $2,000 trip accommodation expenses in event of COVID-19 quarantine
As of January 2021, all travelers must provide a negative PCR COVID-19 test within 72 hours of air travel to Mexico. Upon arrival, temperature checks and additional health screenings may be required. There are no other requirements for travel. If you are traveling by land or headed down for a day trip to Mexico, you are not required to provide a negative COVID-19 test.
A negative PCR COVID-19 test is required within 96 hours of travel in order to enter Colombia. If you are unable to obtain a test, you are allowed to quarantine for 14 days4. Restaurants, sports arenas, entertainment areas, and religious services are currently operating with limited capacities. Many cities in Colombia have strict curfews such as Bogota and Medellin, so be sure to check with the hotel for any additional local restrictions.
Ireland is one country that still requires a quarantine period even with a negative COVID-19 test. In addition to the negative PCR test, you must quarantine for a minimum of five days. After the fifth day, you can take another PCR test, and, upon testing negative, you may leave quarantine5. Visitors must also fill out a contact tracing form. While the restrictions are limiting, if Ireland is on your travel wish list, it’s worth taking the trip.
Perhaps you’re itching to live out your quarantine Tiger King dreams on a real-life safari. Kenya is open and thriving for international visitors. In order to enter, you must present a negative PCR test taken no more than 96 hours before departure. The Kenya Ministry of Health has also launched its own Trusted Travel Initiative website. This portal allows users to stay up to date with the latest requirements.
No matter where you decide to travel, international or domestic, we highly recommend purchasing a travel protection plan (iTravelInsured) or travel medical insurance plan (Patriot) to protect you from unexpected accidents, illnesses, or trip interruptions.
Check out our COVID-19 resource page for information and frequently asked questions regarding COVID-19 and IMG's travel medical insurance and travel protection plans.
Get a quote now or contact the Sales Service Center with any additional questions at (866) 368-3724.1 https://www.bahamas.com/tourism-reopening
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 to make an informed decision about the purchase of travel insurance.
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 plan document. 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.
Coverage begins at 12:01 a.m. on the day after the date the appropriate payment for this plan is received. This is your “Effective Date” and begins the trip cancellation benefits. Most other coverages begin 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 plan. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional terms apply.**
It is best to check all of your existing insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.
**For CFAR, the following additional terms apply. CFAR must be added to the iTravelInsured Travel LX plan at time the base plan is purchased and within 20 days of your initial trip deposit. You must cancel your trip 2 days or more before your scheduled departure date. CFAR does not cover the failure of your travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.
This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 2960 North Meridian Street Suite 300 Indianapolis, IN 46208 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.
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