iTravelInsured Travel Insurance Review 2024

The iTravelInsured plans are offered through IMG, a company that specializes in travel insurance.

Plans for iTravelInsured offer a variety of travel insurance benefits such as trip cancellation, lost baggage and travel delay coverage, to name just a few. Plans are available for vacationers, adventure travelers and people on a budget.

ITravelInsured’s Travel SE plan (above) is its highest-rated policy based on our analysis of the best travel insurance policies. The iTravelInsured SE plan comes at a great average price for solid benefits. It provides $250,000 in medical expense travel insurance, and $500,000 in medical evacuation insurance. It also includes generous travel delay coverage of $2,000 per person, but only after a 12-hour delay.

ITravelInsured’s Travel LX plan: If you file a trip interruption or trip delay claim, this policy includes reimbursement for additional pet kennel costs if you arrive home at least 12 hours later than scheduled. The coverage provides $100 per day up to a maximum of $500 per pet.

The Travel LX policy is a good option if you want the most protection and don’t mind paying for it. It provides $2,500 per person for travel delay and for lost baggage. Trip interruption insurance covers 150% of the cost of your excursion. Emergency medical coverage provides $500,000 per person and emergency medical evacuation is $1 million per person. “Cancel for any reason” (CFAR) and “interruption for any reason” (IFAR) coverage are available as optional upgrades.

ITravelInsured Travel LX Basic plan: The Travel LX Basic plan includes many of the features in the LX plan including the “cancel for any reason” upgrade. Medical expenses, medical evacuation, search and rescue, and natural disaster evacuation are all covered in this plan.

ITravelInsured Travel Lite plan: Travel Lite is geared toward budget travelers. Trip interruption coverage is 125% of trip cost, compared to the standard 150%. While the plan’s $100,000 per person medical expense coverage is much less than the Travel LX plans, it’s decent for a standard policy. The same goes for its evacuation benefits of $500,000 per person. This plan also provides coverage for travel and baggage delay.

ITravelInsured Travel Sport plan: The Travel Sport plan is an adventure sports policy that is good for both foreign and domestic travel for thrill seekers age 65 and younger. Benefits include search and rescue and sports equipment rental reimbursement. Trip delays, baggage delays and emergency accident and sickness medical expenses are covered. The trip interruption maximum benefit is 125% of the trip cost.

ITravelInsured Travel GT: The Travel GT plan is a group plan for 10 or more travelers. Benefits include trip cancellation reimbursement up to $30,000 and interruption coverage up to 125% of trip cost. There’s also $600 in coverage for trip delays per person (after a 12-hour delay) and $100,000 for emergency medical evacuation.

In addition to the above, IMG offers:

• Single-trip travel medical insurance plans for groups, families and individuals
• International health insurance plans for individuals and families
• Medical insurance for students studying abroad or in cultural exchange programs
• Travel medical insurance for missionaries and seniors
• Multi-trip travel medical insurance plans for groups, families and individuals

Both “cancel for any reason” (CFAR) and “interruption for any reason” (IFAR) are available as optional upgrades with the iTravelInsured Travel LX plan.

Because benefits vary among iTravelInsured plans, so does pricing. Pricing generally varies based on the trip cost you’re insuring, benefits and your age. Here are examples of prices for iTravelInsured’s Travel SE policy.

Travelers and trip	Cost per trip for the IMG iTravelInsured Travel SE policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$106.98
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$279.46
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$644.04
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$644.04
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$644.04
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$449.74
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$272.90

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ITravelInsured travel plans include access to a 24/7 travel assistance hotline. Service reps are available to help with:

• Emergency travel assistance services
• Emergency travel arrangements
• Medical referrals
• Lost passport assistance
• 24-hour medical monitoring
• Lost luggage assistance
• Emergency cash transfer
• Embassy or consulate referral
• Legal referrals
• Emergency translations
• Emergency prescription replacement

Every travel insurance plan contains exclusions, so it’s a good idea to review the fine print so that you’ll know what your plan doesn’t cover. Here are some examples of exclusions to the medical and dental coverage for iTravelInsured’s SE plan:

• Routine physical exams or routine dental care
• Traveling for the purpose of getting medical treatment or advice
• Traveling against the advice of a physician
• Mental health care
• Physical therapy or occupational therapy
• Experimental or investigative procedures or treatments
• Elective procedures or treatments
• Alcohol, marijuana abuse or substance abuse or treatment in a rehab facility
• Mental, nervous or psychological condition or disorder unless you are hospitalized or partially hospitalized
• Participating in adventure or extreme sports including riding or driving in races or participating in speed or endurance competitions
• Diving if you are not certified to dive and a dive master is not present during the dive
• Participating in organized athletic or sporting competitions in exchange for an agreed upon salary

iTravelInsured has a claims center for handling customer claims. Make sure you look at what supporting documentation you need for a complete claim. Keep all bills and receipts and submit them as soon as possible.

Forbes Advisor scored 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.