Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Show PlansWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for medical expenses & emergency evacuations when traveling outside of your home country.
International Health Insurance
Annually renewable coverage for expats and global citizens living or working internationally for more than one year.
Travel
Insurance
Coverage for trip interruption and cancellation, lost baggage and travel delays.
Popular Plans
Enterprise Services
We’re committed to being there for our clients' customers wherever they may be in the world, delivering superior support and assistance in times of need.
Show ServicesWhat type of organization do you represent?
Medical & Travel
Assistance
Services to support travelers in need of medical attention or that have travel assistance needs before, during, and after their trip.
Global Workers' Compensation Case Management
Case management services to manage highly complex workers’ comp cases that require detailed management by medical personnel extending beyond a hospitalization or out-patient procedure.
Security Assistance
Services
Real-time, worldwide security intelligence, advice, and other security services to help travelers avoid danger.
Insurance Administrative
Services
Insurance administrative services to manage all things related to your health care plan needs from enrollment to claim reimbursement.
Travel Insurance
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.
Popular Plans
Ideal for Vacationers & Business Travelers
Highlights
- Budget level plan for price-conscious travelers
- Trip cancellation maximum benefit up to 100% of trip cost
- Trip interruption maximum benefit up to 125% of trip cost
- $500 maximum benefit for travel delay
- $500,000 maximum benefit for emergency medical evacuation and repatriation of remains
Highlights
- Family-friendly plan for domestic and international destinations
- Trip cancellation maximum benefit up to 100% of trip cost
- Trip interruption maximum benefit up to 150% of trip cost
- $2,000 maximum benefit for trip delay
- $500,000 maximum benefit for emergency medical evacuation and repatriation of remains
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
iTravelInsured Travel Sport
Trip cancellation and interruption coverage for sport or adventure travel
Highlights
- Adventure sports plan for domestic and international destinations
- Trip cancellation maximum benefit up to 100% of trip cost
- Trip interruption maximum benefit up to 125% of trip cost
- $5,000 maximum benefit for trip delay
- $1,000,000 maximum benefit for repatriation of remains
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.
Bahamas
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
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
While Panama does not require or provide travel medical insurance, it is highly recommended. If you need some activity inspiration, be sure to check out our travel guide to Panama.
Costa Rica
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
Mexico
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.
Colombia
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
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.
Kenya
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.
Travel Insurance
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-reopening2 https://visitpanama.com/information/travel-guidelines/
3 https://visitpanama.com/information/travel-guidelines/
4 https://www.garda.com/crisis24/news-alerts/426896/colombia-authorities-tighten-movement-restrictions-in-bogota-as-of-jan-8-due-to-covid-19-update-24
5 https://www.gov.ie/en/campaigns/75d92-covid-19-travel-advice/#
Select why you are away from home.
Get plan recommendations
and helpful resources.
-
"I took comfort in the fact
that IMG had my back."
Mark K. - United StatesWhile skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.