Vacation / Holiday

What is insurance for a vacation?

When taking a vacation, there are two kinds of insurance options to consider. Travel medical insurance is best for those traveling outside the country who want medical coverage. Many travelers assume their existing medical insurance will cover them for injuries and illnesses abroad, but usually those traditional plans are designed only to offer domestic coverage.

You can also consider travel insurance, also known as a travel protection plan, which is meant to protect your financial investment. These plans can provide coverage for prepaid, non-refundable trip costs, and some also offer limited medical benefits.

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What's Covered?

Depending on whether you pick travel medical insurance or a travel protection plan, your plan could provide the following coverage:

Trip
Cancellation
Trip
Delay
Trip
Interruption
Baggage &
Belongings
Emergency
Med-Evac
Accident &
Sickness

Get Covered

Do I need insurance for my vacation?

Even the most careful travelers aren't immune to car accidents, natural disasters, political unrest, and other unforeseen events.

What factors should I consider?

Travel Expenses - Could you afford to lose your non-refundable, prepaid travel expenses in the case of your trip being cancelled due to an unforeseen event (e.g., death of a family member)?
Severe Weather - Are you traveling to a destination that may be affected by severe weather?
Out-of-Pocket Costs - If you were to get sick or injured on the trip, would you be unable to pay out of pocket for the necessary health care?
Flight Delays - If your flight is delayed, would you seek reimbursement for the additional charges such as change fees?
Lost or Stolen Items - If your luggage is lost or stolen, could you afford to replace your belongings?

Choosing the right plan

If you're focused on medical benefits, consider a travel medical insurance plan. Patriot Travel Series Plans offer varying levels of coverage. For trip protection, check out the iTravelInsured Travel Series. Not all benefits listed on this page are available on all plans. Please read your plan documents for details.

Patriot Lite

Medical

$50,000 - $1,000,000

Medical Evacuation

Up to $1,000,000

Trip Cancellation

Not Included

Trip Interruption

Not Included

Telehealth

Optional Add-On

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Recommended

iTravelInsured Choice

Medical

$ 100,000

Medical Evacuation

$ 500,000 per person

Trip Cancellation

Up to 100% of trip cost

Trip Interruption

Up to 150% of trip cost

Telehealth

Included

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Patriot Platinum

Medical

$2,000,000 - $8,000,000

Medical Evacuation

Up to $8,000,000

Trip Cancellation

Optional Add-On

Trip Interruption

Optional Add-On

Telehealth

Included

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Top-rated coverage. Global peace of mind.

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.

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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.

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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.

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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.

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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.)

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Reviews & Testimonials

Kind Words from Happy Customers

I use IMG for almost every travel in the US and am now also using them for international travel. I've only ever had great experiences, the prices are phenomenal and the ease of signing up is unbeatable.

Rina G.
Very user-friendly online application process with various options to match your budget or needs.

Thomas F.
The experience on the website is fantastic, and this is the third time I purchased this insurance for my trips to Spain…

Mercedes P.
I have used IMG several times. I highly recommend this company - great coverage with reasonable premiums!

Inna C.
I used the coverage from IMG 5 years ago on a trip to Europe, and I am happy to use it again. The platform is easy to navigate with diverse options to pick from according to your needs.

Serge D.
Simple and straight forward combined with good coverage for the price. This is our third policy with IMG, and we have been very satisfied.

James B.
Easy to use and understand. I have been very satisfied with my previous purchases from this company and will continue to use them in the future.

Arwen F.
Very easy to navigate. The plans offered are very reasonable and straight forward. I have used IMG on several occasions and I'm very pleased with the service.

Randy K.
Reasonable price. Easy to purchase. I’ve been using this company for several years. Happy customer.

Reid R.
I have used IMG for all international travel for the past several years and it’s been an easy experience. I filed one claim along the way, and that too, was easy.

Diane B.
We have been using IMG travel insurance for several years. When there is a covered expense, their response is very timely, and the claims process is easy to follow. Reimbursement is also very timely.

Leroy P.
I have actually used my coverage in 2023 when traveling to Bangkok and was hospitalized with pneumonia. Everything was taken care of with no surprises. I won't travel internationally without IMG.

Rod M.

Travel Resources

Preparing for Your Trip

Choosing the Best Travel Protection Plan

Dealing with Flight Delays & Cancellations

Staying Protected with Travel Insurance

Frequently Asked Questions

Check out answers to some of our commonly asked questions.

Do you know if any type of travel insurance coverage is included with your credit card? How about your domestic health care policy? Maybe your homeowner's plan? Medicare?

Travel insurance is designed to provide coverage where none exists, or at least fill in gaps that exist in other types of insurance programs. 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 can sometimes have cancellation penalties. A discussion with your travel agent can help you become aware of travel exposures 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 (but not identical) to the trip cancellation perils except they provide coverage once you depart for your covered trip. The insured can be reimbursed for unused, non-refundable travel arrangements plus additional transportation costs paid to join/re-join your interrupted trip or be transported back to your originally scheduled return destination.

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. Additional terms apply. 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 cost and terms apply. Not available in NY.**

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

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Benefits are subject to exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges. The information on this page 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 or the Application, Master Policy and any riders or other governing documents (the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided. Please note that benefit limits and maximums for residents of NY and WA may vary. For all state specific benefit details, please refer to the policy documents for each plan.

You can find sample policies for each state here:

The plan document you receive will depend on your state of residence. For some iTravelInsured Lite, SE, LX, GT plans and all iTravelInsured Choice, iTravelInsured Essential and Travel Sport plans: This website contains highlights of the plans, which include travel insurance coverages underwritten by SiriusPoint America Insurance Company under form series SA-ITI-19-1000 et. al. SiriusPoint America Insurance Company is rated A- (Excellent) by AM Best 2023.

The plan document you receive will depend on your state of residence. For some iTravelInsured Lite, SE, LX and GT plans: This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et. Al., T210 et. al. and TP-401 et. al. While International Medical Group (IMG), markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by IMG, and IMG does not receive compensation from USF for providing the non-insurance components of the plans.

The plans also contain non-insurance Travel Assistance Services provided by International Medical Group and Teladoc (Teladoc only available on iTravelInsured Choice, iTravelInsured Travel SE, and iTravelInsured Travel LX plans). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical 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 is 800-927-4357. 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 9200 Keystone Crossing, Indianapolis, IN 46240 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

*TrustPilot ranking based on data collected in January 2024 from travel insurance providers with over 1,000 TrustPilot reviews

Vacation Insurance

What is insurance for a vacation?

What's Covered?

Trip
Cancellation

Trip
Delay

Trip
Interruption

Baggage &
Belongings

Emergency
Med-Evac

Accident &
Sickness

Do I need insurance for my vacation?