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iTravelInsured Essential Insurance
iTravelInsured Essential is a trip cancellation plan designed for US citizens and nationals traveling within the US. The plan offers coverage for trip cancellation, trip interruption, and trip delays, aiming to protect the non-refundable trip investment. It lets you recover payments and deposits that are already paid when a trip is canceled due to a covered reason. iTravelInsured Essential also covers AD&D (Accidental Death and Dismemberment), which pays benefits to you if you sustain an injury, or to your beneficiary in the event of loss of life caused by an accident during your flight.
iTravelInsured Essential is made for leisure holidays and business travel. It can be purchased anytime, even the day before departure. However, you cannot buy a trip cancellation plan after starting your trip to your destination. Visitor Guard® offers iTravelInsured Essential to US citizens and residents who wish to take a trip inside the US. To buy this plan, do not hesitate to call us.
ITRAVELINSURED ESSENTIAL
$11.02 / mo For age 24 years with $300 trip cost- Available for ages up to 70 years
- Maximum trip length 31 days
- Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
- Trip Interruption maximum benefit up to 125% of the non-refundable insured trip cost
- Trip Delay coverage Up to $250 per day per person after an initial delay of 12 hours($2000 max per person)
- $10,000 Common Carrier Accidental Death and Dismemberment
- Brochure
iTravelInsured Essential Benefits
Plan Benefits: Trip cancellation coverage up to 100% of the non-refundable insured trip cost. Trip interruption coverage up to 125% of the non-refundable insured trip cost. $2,000 maximum benefit for travel delay.
Pre-existing Conditions: Pre-Existing Condition Exclusion Waiver within 21 days of the initial deposit. The review period is 180 days.
PPO network: The plan has no coverage for medical.
Special Feature 1: Maximum limits up to $10,000 for Common Carrier AD&D.
Special Feature 2: 24/7 Emergency Travel Assistance
Special Feature 3: $2,000 ($250 per day after an initial delay of 12 hours) maximum benefit for travel delay.
You can review the brochure for more details.
iTravelInsured Essential Cost
iTravelInsured Essential Cost depends on the traveler’s age, trip duration, and the trip cost. The traveler’s trip cost along with the age plays a vital role in determining the plan’s cost- the higher the trip cost, the higher the premium.
Plan Limit:Trip cancellation coverage up to 100% of the non-refundable insured trip cost. Trip interruption coverage up to 125% of the non-refundable insured trip cost.
Age: Members up to 70 years of age can buy this plan.
Coverage Days: Maximum trip duration is 31 days.
Optional coverage benefits: The plan has no optional benefits.
Plan Cost for Age Groups
| Age | Trip cost $300 | Trip cost $2000 |
|---|---|---|
| From 0 to 39 years | $11.02 | $44.30 |
| From 40 to 49 years | $11.75 | $47.51 |
| From 50 to 59 years | $12.33 | $49.94 |
| From 60 to 69 years | $13.13 | $53.33 |
What Coverage & Benefits Are Offered by Essential?
iTravelInsured Essential is underwritten by Sirius America Insurance Company and is rated A- (Excellent) by AM Best.
Plan Coverage Highlights:
- Up to 100% of the non-refundable insured trip cost for trip cancellation.
- Up to 125% of the non-refundable insured trip cost for trip interruption.
- $2,000 ($250 per day after an initial delay of 12 hours) for trip delay.
- $10,000 for Common Carrier AD&D.
- 24/7 emergency non-insurance travel assistance service.
- $200 minimum trip cost to be insured.
Read the plan’s brochure to know more.
How to Claim iTravelInsured Essential?
To file a claim:
- Go to www.imglobal.com/member and click “Create an Account.”
- Enter your certificate, policy number, insurance ID, and complete the registration.
- Once the account is created, log in to MyIMG portal and click ‘My Claims.’
- Select the policy or certificate to submit a new claim.
By filing your claim online through the MyIMG portal, you will receive faster services. You will get a confirmation email after your submission and a tracking number to view the updates of the claiming process. If your policy starts with TC, you will need to file a travel claim. For travel claims, you need to provide the trip invoice, itinerary, and other details of your trip. You must prove a loss within 90 days (about 3 months) of one occurring.
Claims filing address and email
Address: International Medical Group, Inc. Claims, P.O. Box 9162, Farmington Hills, MI 48333-9162 USA.
Call: +1.800.628.4664 or outside U.S. +1.317.655.4500; Fax: +1.317.655.4505.
Email: customercare@imglobal.com.
FAQs: iTravelInsured Essential
iTravelInsured Essential is a trip cancellation plan designed to protect non-refundable trip costs. The plan covers trip cancellation, trip interruption, trip delay, and AD&D for common carrier. US citizens and residents can buy this plan to take a trip inside the US.
US citizens and residents are eligible for this plan. Members up to 70 years of age can buy this plan.
Trip cancellation, trip interruption, trip delay, and AD&D for common carrier are covered in iTravelInsured Essential. Read the brochure to know in detail.
The trip does not cover medical benefits, COVID-19, medical evacuation, repatriation, baggage loss and theft. General exclusions include suicide or attempted suicide, an act of declared or undeclared war, athletic or sporting event, pregnancy, and childbirth, dental and vision, elective treatment and procedures, mental and nervous disorder, etc. Review the plan’s document for details.