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Contact UsOne of the most common reasons for purchasing travel insurance is to protect your financial investment in the event you have to cancel your trip. It’s impossible to know what the future holds, and there is always a possibility the unexpected can get in the way of originally planned travels. Having travel insurance with a trip cancellation benefit can help you to avoid losing the money you’ve invested in a trip you can no longer take.
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While nobody wants to plan a trip they won’t be able to take, it is important to consider having a travel protection plan in the event you are forced to cancel a trip. By having an iTravelInsured travel protection plan, you could be reimbursed up to 100% of your non-refundable trip cost in the event you have to cancel your trip for a covered reason.
What factors should I consider?
Sickness/Injury/Death - Trip cancellation is one of the main reasons to purchase travel insurance. When it comes to air travel, if an airline cancels your flight because of inclement weather (or another covered reason) and it forces you to cancel your trip, trip cancellation benefits would kick in. These benefits can help you recover the prepaid, non-refundable costs related to your airfare, hotel, cruise, and more, up to a certain limit.
Hurricanes - We all dream of escaping to a warm, tropical destination, but what do you do when you realize a hurricane is barreling straight toward the coast you were going to be relaxing on for a week straight? By purchasing a travel protection plan prior to the hurricane being a named storm, the money you’ve invested in your travel can be protected if your scheduled trip departure city or scheduled destination is under a hurricane warning or hurricane watch as issued by the NOAA Hurricane Center within 24 hours of your scheduled departure date. Cancellation of your trip must occur more than fourteen days following your effective date of coverage for trip cancellation.
Job Loss - Losing a job can be an incredibly stressful and unpredictable financial experience. If you have a planned trip and you purchased a travel protection plan prior to losing your job, getting reimbursed some of the money you invested in your trip may help relieve some financial stress. With iTravelInsured travel protection plans, if you or your traveling companion are involuntarily terminated or laid off, received a termination notice at least fourteen days after your trip cancellation effective date, and have been an active employee with the same employer for at least a year, you can be reimbursed.
Pregnancy - You and your significant other could have planned a romantic getaway together only to find out shortly before you are scheduled to leave that you are expecting a baby. Maybe you no longer feel comfortable traveling, and you wish to cancel your trip. As long as the date of conception, as verified by medical records, occurred after your effective date for trip cancellation, you can be reimbursed up to the maximum benefit amount shown in your plan’s Schedule of Benefits for your unused, prepaid, non-refundable trip costs. Please note that IMG’s iTravelInsured Travel Lite and iTravelInsured Choice plans only cover cancellations due to complications of pregnancy.
Traffic Accidents & More - There are several other covered reasons for why you may have to cancel your trip. Some of these include being in a traffic accident while en route to your destination, being called to active military duty or emergency service, you are required to work during your trip, inclement weather, and many others. Coverage may vary based on state and plan document selected. All covered reasons are subject to the full terms of your plan document. Make sure to check your plan document for the complete list of covered reasons for trip cancellation.
Cancel For Any Reason (CFAR) - There are many reasons people cancel trips, and not all of them are covered under a standard travel insurance plan. That's why some offer Cancel For Any Reason (CFAR) coverage. This benefit allows you to get a partial refund for non-refundable trip costs if you cancel your trip for a reason not otherwise covered under your plan
No matter what iTravelInsured plan you choose, trip cancellation is included. Covered reasons and maximum benefit amounts vary by plan. For more information on picking a plan, check out:
"How to Choose the Best Travel Protection Plan for You".
Rest assured knowing IMG is there with you, wherever your travels take you, providing worldwide coverage, international claims specialists, and access to 24/7 emergency assistance services with multilingual capabilities. We specialize in many common travel protection areas so you can travel with global peace of mind.
Trip Cancellation - Protect your financial investment in the event you have to cancel your trip. Having travel insurance with a trip cancellation benefit can help you to avoid losing the money you’ve invested in a trip you can no longer take.
Travel Insurance for Flights - Whether the airline loses your bags, your flight gets delayed or cancelled, or a host of other unexpected issues, having travel insurance can provide financial protection when something goes wrong.
Travel Insurance for a Cruise - It’s likely for cruise-goers to have paid for most of their vacation before ever stepping foot on the ship. With travel insurance, you can insure your prepaid, non-refundable cruise, flight, and other trip costs so that you’re covered in case the unexpected happens before or during your travels.
Cancel For Any Reason (CFAR) Insurance - Cancel For Any Reason coverage is a travel insurance benefit that allows you to get partially reimbursed for cancelling a trip for a reason not otherwise covered under your plan. You can quite literally cancel a trip for any reason, and still get some of your money back.
Travel Insurance for Pet Owners - We understand pets are like family, which is why we’ve designed some travel protection plans to include benefits specifically for pet owners. We also understand it's just as important to look out for your pets when you're not traveling, which is why we've partnered with Fetch, so you can give your dog or cat the care they need without ever worrying about the cost. (Fetch is separate from the travel protection plan being offered and is not an insurance benefit underwritten by USF.)
Check out answers to some of our commonly asked questions.
