How to Choose the Best Travel Protection Plan for You

Traveling the world is full of excitement, but not every trip goes exactly according to plan. Travel insurance can provide a wide variety of benefits to give you peace of mind when booking the trip of your dreams.

Whether traveling for business or pleasure, solo or with family, planning a relaxing stay at the beach or an adventurous trek through the mountains, there is a travel protection plan for everyone. But with so many plan options and companies, how do you know which one to pick? It largely depends on the type of traveler you are and the type of trip you’re taking. IMG’s iTravelInsured travel protection plans provide varying coverage levels, and below we’ll break down which one could be the right fit for you.

Price-Conscious Travelers

If you’re looking for travel protection on a budget, consider iTravelInsured Choice, iTravelInsured Travel Lite, or iTravelInsured Essential.

If your trip costs $10,000 or less, iTravelInsured Choice is likely the iTravelInsured plan for you. It offers benefits to address the most common issues travelers encounter, like trip cancellations, delayed baggage, and medical emergencies (including Primary medical coverage). This well-rounded plan also includes access to telehealth services through Teladoc, and IMG’s 24/7 assistance line, with in-house experts trained to help travelers in an emergency. It’s ideal for families traveling domestically or cruising abroad, couples and solo travelers exploring the world, weekend getaways, business travel, and nearly every trip in between.

If you’re spending more than $10,000 per person on your trip and are looking for additional coverage for rental cars, benefits specifically for pet owners, and higher maximum limits, consider iTravelInsured Travel SE or iTravelInsured Travel LX instead. iTravelInsured Travel LX also offers optional Cancel For Any Reason (CFAR) coverage for an additional cost.**

Family Vacation

Traveling alone is expensive enough, but when you’re traveling with a family, you could be looking at several plane tickets, hotel accommodations, activities, and more. It can add up quickly! While you may be excited to make memories with your kids, it’s natural to have concerns about how much you’re spending. All iTravelInsured travel protection plans include trip cancellation, trip interruption, and trip delay benefits to help you recoup any prepaid, non-refundable travel costs when your plans are disrupted for a covered reason. Examples of possible covered reasons include illness, natural disasters, job loss or involuntary job relocation, complications of pregnancy, and the death of a family member or traveling companion.*

iTravelInsured Choice, iTravelInsured Travel SE and iTravelInsured Travel LX plans can be great for family travel, and their trip cancellation benefits can refund up to 100% of your prepaid, non-refundable trip costs if your trip is cancelled for a covered reason.

iTravelInsured Travel LX also offers an optional Cancel/Interruption For Any Reason add-on.** If you must cancel your trip for a reason not otherwise covered by the plan, you can receive up to 75% of your non-refundable insured trip cost. Cancel For Any Reason would apply if you had to cancel your trip over fears of COVID-19, had an unexpected family issue come up that wasn’t overwise covered, or just decided the week before your trip you didn’t want to travel anymore. Knowing you won’t lose all your money if you must call off your trip can help put you at ease when planning that Disney trip or Caribbean cruise you’ve been debating for years.

If you’re spending more than $10,000 per person on your trip and looking for a more benefit-rich option, consider iTravelInsured Travel SE or iTravelInsured Travel LX. Both plans insure trip costs of up to $250,000 per person and include rental car damage and theft coverage. If you’re renting a car for your travels, this benefit on your travel protection plan can cover up to $40,000 if your rental car is stolen or damaged in a situation beyond your control. 

Pet Owners

iTravelInsured Travel SE and iTravelInsured Travel LX offer benefits specifically for those with pets. Pets are like family, but unfortunately, they can’t always travel with us. While away from home, you may need to board your dog at a commercial kennel. If your flight home is delayed by a certain number of hours, pet kennel benefits can help you cover the costs of extended boarding until you’re able to make it home. Travel SE offers up to $100 per day with a $300 maximum per pet, while Travel LX offers $100 per day with a $500 maximum per pet. These plans also offer trip cancellation and trip interruption benefits if a pet or service animal suffers a sickness, injury, or death.

Luxury Travel

When it comes to luxury travel, consider the iTravelInsured Travel LX plan as an option. When planning a getaway with a luxury price tag, you want to know your investment is protected. Travel LX insures up to a maximum trip cost of $150,000*** and offers the widest variety of benefits out of the iTravelInsured Travel Series plans. Lose your passport while eating and drinking your way through Italy and wondering how you’ll be able to board the plane home? All iTravelInsured travel protection plans also include non-insurance travel assistance services that can help you replace a passport or important travel documents in the event they’re lost or stolen. Luxury vacations often take you to remote locations, away from it all. With iTravelInsured Travel LX, if you sustain an acute, severe, or life-threatening condition, you can worry less about the difficulty of getting to a hospital if there are no treatment centers in the area. This travel protection plan offers up to $1,000,000 in medical evacuation benefits and up to $10,000 per person for the search and rescue benefit.

Adventurers & Sports Enthusiasts

For some, the ideal vacation isn’t lying on the beach, relaxing with a drink in hand; it’s a trip that gets the adrenaline pumping! If this is the case for your next trip, iTravelInsured Travel Sport may be the best pick for you. Whether you’re headed on a ski trip or planning a golf outing, you need the right equipment. If your sports equipment is lost, stolen, damaged, or delayed in transit to your destination by more than nine hours, iTravelInsured Travel Sport will reimburse you up to the maximum amount listed in the schedule of benefits to rent alternative sports equipment. Don’t be afraid to bring your best fishing rod, snowboard, or hunting gear because this travel protection plan has the coverage to get you back in the game should the unexpected happen to your gear. Adventure trips can come with injuries; the Travel Sport plan includes coverage of up to $5,000 for emergency accident and sickness medical expenses related to hazardous sports. The plan also includes coverages for baggage damage or loss, baggage delay, and medical evacuation.

Budget Conscious

If you’re looking for travel protection on a budget, iTravelInsured Travel Lite and iTravelInsured Essential can be beneficial options for you. iTravelInsured Travel Lite offers a lesser variety of benefits (some subject to a lower maximum benefit amount) at a lower price point than Travel SE and Travel LX. However, it still includes trip cancellation, trip interruption, coverage for baggage delays, and access to non-insurance emergency travel assistance services.

Business Travel

If you’re traveling for business, you may care more about what you’re bringing with you than where you’re going and when you get there. iTravelInsured Choice, iTravelInsured Travel LX and iTravelInsured Travel SE offer great benefits if you arrive in town, but your bags don’t. If your bag is delayed a certain number of hours or is lost or stolen, these benefits may reimburse you for the costs to buy necessary items up to the maximum benefit amount. That means you can go out and replace your office-appropriate clothes, instead of showing up in the T-shirt you wore on a 12-hour plane ride.

No matter your reason for traveling, it’s beneficial to purchase travel protection as soon as you make a trip deposit or payment. Want to learn more about each iTravelInsured travel protection plan? View the comparison guide here. Ready to buy now? Get a quote today by entering your trip details on the plan page. 

_{*Please note all above mentioned benefits and covered perils are subject to further restrictions; additional terms apply. Refer to the plan document which is sent upon purchase, for complete coverage details.
**These (CFAR/IFAR) benefits can only be purchased at the time the base plan is purchased. These benefits are bundled together and cannot be purchased separately. Not available to NY residents. Additional costs and terms apply
***The $150,000 plan maximum on the iTravelInsured Travel LX plan is not available to residents of WA, MO, MT, PA, OR, and NY.}

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