Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Trip Cancellation Insurance
Trip Cancellation Benefit
One 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.
IMG iTravelInsured travel protection plans are designed to protect you and your prepaid, non-refundable trip expenses for multiple covered reasons that result in you having to cancel your trip. Maybe you get sick or have a death in the family before you leave and can’t travel. Maybe there is a hurricane headed straight for your tropical destination. Or maybe you just lost your job and can no longer afford to travel.
Common Covered Reasons Why You May Have to Cancel Your Trip
IMG’s travel insurance offers several benefits to protect you and your trip expenses from the unexpected. While nobody wants to plan a trip they won’t be able to go on, 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 for up to 100% of your non-refundable trip cost in the event you have to cancel your trip for a covered reason. Below are some of the most common covered reasons for cancelling a trip when your plan includes trip cancellation benefits.
Covered Trip Cancellation Reasons
Sickness/Injury/Death
Getting sick or injured is something you can try to avoid at all costs but can still happen right before you are about to leave town for a planned trip or vacation. With a plan that has trip cancellation benefit, you can be reimbursed for your prepaid, non-refundable trip expenses if you need to cancel your trip due to a covered sickness or injury. Your sickness or injury must occur before you leave for your trip, you must be examined and treated by a physician prior to canceling, and a physician must certify that your medical restrictions are so disabling as to cause you to cancel your trip. This benefit also applies in the event that your family member, traveling companion, or child caregiver becomes sick, injured, or dies prior to your scheduled departure date.
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 and 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 plan only covers cancellations due to complications of pregnancy.
Plus 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.
Popular Plans
Ideal for Vacationers & Business Travelers
Highlights
- Trip cancellation benefit up to 100% of trip cost
- Trip interruption benefit up to 150% of trip cost
- 24/7 access to telehealth services for non-emergency medical issues
- $250,000 per person medical expense coverage for unexpected illnesses & accidents while traveling (including COVID-19)
- Sickness, injury, or death of pet included as trip cancellation/trip interruption covered perils
- Travel protection plan consists of travel insurance and other non-insurance travel assistance services
Highlights
- Cancel/Interruption for Any Reason benefits available as optional upgrade (Additional cost and terms apply. Not available in NY)
- Trip cancellation benefit up to 100% and trip interruption up to 150% of trip cost
- 24/7 access to telehealth services for non-emergency medical issues
- $500,000 per person medical expense coverage for unexpected illnesses & accidents while traveling (including COVID-19)
- Sickness, injury, or death of pet included as trip cancellation/trip interruption covered perils
- Travel protection plan consists of travel insurance and other non-insurance travel assistance services
Additional Travel Protection Plans
iTravelInsured Essential
Limited travel protection with cost effective coverage
iTravelInsured Travel Sport
Trip cancellation and interruption coverage for sport or adventure travel
iTravelInsured Travel Lite
budget-level plan for price-conscious travelers.
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"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.
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