Insider’s specialists select the very best services to assist make sensible selections together with your cash (right here’s how). In some instances, we obtain a fee from our our companions, nonetheless, our opinions are our personal. Phrases apply to affords listed on this web page.

Planning a trip will be an thrilling endeavor. No matter the place and why you are touring, it is vital to make sure that you are protected if one thing goes mistaken. And that is why journey insurance coverage is vital.

On this assessment of iTravelInsured journey insurance coverage, a well known title within the trade, we’ll share the corporate’s insurance coverage choices, have a look at premium prices, and let you understand how to file a declare. We’ll additionally share a few comparisons between iTravelInsured and different respected insurance coverage corporations. 

iTravelInsured Travel insurance

On iTravelInsured’s web site

Chevron iconIt signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

Chevron iconIt signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

Chevron iconIt signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

Journey insurance policy from iTravelInsured

iTravelInsured affords six major plans: Journey Lite, Journey SE, Journey LX, Journey LX Fundamental, Journey Sport, and Journey Important. Every plan has totally different protection limits and varied sorts of safety.

Here is a have a look at what you will get with every plan:

Figuring out which of those plans will finest fit your wants will rely in your finances and which coverages matter most to you.

For instance, the Journey LX plan affords the very best protection limits however may also price probably the most. As compared, the Journey Lite plan is designed for budget-conscious vacationers. Its protection limits are decrease than the opposite plans, however you will additionally pay much less to your coverage.

Along with these six major plans, iTravelInsured affords the next plans designed particularly for a particular sort of traveler or group:

  • Multi-trip journey medical insurance policy
  • Journey medical insurance coverage for missionaries and seniors
  • Medical insurance coverage for college students in a cultural trade or examine overseas program
  • Worldwide medical health insurance plans

Further protection choices from iTravelInsured

iTravelInsured solely affords two non-compulsory add-ons to its top-tier Journey LX plan. These embody CFAR (cancel for any motive) and IFAR (interruption for any motive) protection. And these add-ons have to be bought inside 20 days of the preliminary journey deposit.

How a lot does journey insurance coverage from iTravelInsured price?

To get a quote from iTravelInsured, you may both go on to its web site or use an insurance coverage aggregator like Squaremouth to match your choices extra simply.

You will be requested to supply private info, like your age and state of residence, together with trip-specific info, like journey prices, journey dates, and vacation spot. 

After coming into your particulars, you will get an on the spot quote for the insurance policy accessible to your journey.

We ran some simulations to supply real-life examples of the prices related to a journey insurance coverage coverage from iTravelInsured.

For the primary instance, we checked out premiums for a 45-year-old feminine residing in Alaska, taking a two-week journey to Belize and spending $4,000 on the journey. The worth ranges from round $90 to $417, relying on the extent of protection chosen. 

These costs symbolize between 2.25% and 10% of the entire journey price, which is a variety. Nevertheless, they’re nonetheless considerably in keeping with trade averages of journey insurance coverage charges: 4% to eight% of complete journey prices. 

For the following instance, we regarded on the the prices for the six totally different iTravelInsurance plans for a 30-year-old California resident touring by aircraft to Iceland for 2 weeks. The journey price is ready at $6,000. The plan charges vary from $136.35 to $529.94.

Within the final instance, we regarded for protection for a 55-year-old resident of Delaware touring by aircraft to the UK for 2 weeks with a visit price of $8,000. 

On this instance, the worth for protection ranges from about $203 to $1,041, with the Journey Important plan being the least costly and the Journey LX plan being the most expensive. That is sensible, although, since you’ll get way more protection with the LX plan than the Important one. Although these costs are a bit exterior of trade averages when trying on the lowest tier and top-tier plans, which vary from 2.5% to 13% of complete journey prices.

From these examples, you may see that the price of protection will increase because the age of the traveler will increase. Although that is fully regular no matter which insurance coverage supplier you are coping with.

How do I file a declare with iTravelInsured?

Claims with iTravelInsured shall be dealt with by its claims middle. You possibly can contact customer support or the claims middle 24 hours a day at 866-347-6673 or 1-866-243-7524, respectively.

Claims types and knowledge will be mailed to:

IMG iTravelInsured Claims

PO Field 3231

Farmington Hills, Michigan 48333-3231

You can even electronic mail claims to itravelclaims@imglobal.com.

Evaluate iTravelInsured vs AIG Journey Guard

We’ll have a look at a few totally different plans from each iTravelInsured and AIG Journey Guard to match and distinction the protection between the 2 corporations.

We’ll begin with iTravelInsured’s Journey Important and AIG’s Important plans.

AIG’s Important plan covers journey cancellations with as much as $100,0000 in protection, as much as $150,000 in emergency medical evacuation bills, and as much as $100 per day ($500 complete) for delays of 12 or extra hours, and protection for misplaced or delayed baggage.

As compared, iTravelInsured’s Journey Important affords journey cancellation protection of 100% of the journey price, $0 of emergency medical evacuation protection, as much as $2,000 (with a $250 each day restrict) for journey delays of 12+ hours, and no misplaced or delayed baggage protection.

So on this occasion, it is fairly straightforward to decipher the primary variations between these plans. And to see that you will get a lot better protection with AIG’s Important plan.

Now we’ll have a look at each of the highest-tier plans from every supplier.

AIG’s Deluxe plan, the highest-tier choice, supplies journey cancellation protection of as much as $150,000, emergency medical evacuation protection of as much as $1,000,000, as much as $200 per day ($1,000 most) reimbursement for journey delays of 12+ hours, and protection for delayed or misplaced baggage.

iTravelInsured’s Journey LX plan supplies journey cancellation protection of 100% of the journey price, as much as $1,000,000 in emergency medical evacuation, as much as $2,500 with a $250 each day restrict )reimbursement for journey delays of 6+ hours, and comparatively excessive limits on protection for delayed or misplaced baggage.

On this occasion, the Journey LX coverage supplies superior protection. Nevertheless it’s vital to all the time get quotes to your specific state of affairs to search out the coverage that most closely fits your wants and finances.

Learn extra: AIG Journey guard insurance coverage assessment

Evaluate iTravelInsured vs Allianz journey insurance coverage

Each iTravelInsured and Allianz supply varied plans with various ranges of protection designed for several types of vacationers. These embody single-trip plans and insurance policies overlaying those that take a number of journeys per yr.

Allianz’s hottest single-trip choice is the OneTrip Prime plan, which affords journey cancellation protection as much as $100,000, journey interruption protection as much as $150,000, emergency medical protection for $50,000, protection for bags loss, theft, or harm as much as $1,000, and as much as $800 in journey delay protection.

iTravelInsured’s hottest plan is the Journey SE plan, which supplies journey cancellation protection of 100% of journey prices, journey interruption protection of 150% of journey prices, emergency medical protection for $250,000 (major protection), protection for bags loss, theft, or harm as much as $1,500 ($250 per merchandise), and as much as $2,000 ($125 each day restrict) in journey delay protection for delays of 12+ hours. General, it affords extra protection than Allianz on this instance.

Once more, it is best to match quotes utilizing your private and journey particulars to find out which coverage is the very best for you. Varied elements will decide the ultimate price of any of those insurance policies.

Learn extra: Allianz journey insurance coverage assessment

Evaluate iTravelInsured vs bank card journey insurance coverage

You probably have a journey rewards bank card, test its insurance coverage coverages earlier than buying a journey insurance coverage plan from iTravelInsured or one other firm. That manner, you will not be paying twice for protection you would possibly have already got! Some fundamental insurance coverage coverages, like major rental automobile insurance coverage, are provided by many journey rewards bank cards.

It is price contemplating whether or not the protection provided by your bank cards is major or secondary. Secondary protection will solely kick in after some other related journey insurance coverage insurance policies you could have. And be aware that insurance coverage offered by a bank card doubtless will not cowl medical points, simply issues like journey and baggage delays.

When you’re clear on the protection you could have by your bank cards, you should buy journey insurance coverage to fill within the gaps.


We checked out a wide range of elements in reviewing the journey insurance policy provided by iTravelInsured. We additionally in contrast them to plans provided by different respected journey insurance coverage corporations. And regarded issues like protection limits, premiums prices, accessible add-ons, and extra. 

As a result of the prices and accessible protection rely totally on the precise traveler’s private and journey particulars, it is best to match numerous totally different choices to find out which inserts your wants. That manner you will know you are getting the correct amount of protection that aligns not solely together with your wants however together with your finances, additionally.

iTravelInsured often requested questions (FAQ)

Sure, the iTravelInsured journey insurance policy are official plans provided by IMG. IMG (Worldwide Medical Group) has been round since 1990 and makes a speciality of journey insurance coverage.

Choose iTravelInsured plans supply protection for COVID, together with the Journey LX plan and the Patriot Platinum Journey Medical Insurance coverage and Patriot America Plus medical insurance policy. You’ll want to learn the superb print of your coverage earlier than assuming it affords COVID protection.

Supply hyperlink