iTravelInsured Essential

Limited travel protection with cost effective coverage

The iTravelInsured Essential plan is designed for U.S. residents traveling within the United States looking to protect their trip investment with our lowest-priced travel protection program. This plan provides limited, cost-effective coverage for trip cancellation, trip interruption, and travel delay.

With iTravelInsured Essential, you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.

Separate from these benefits, IMG can provide non-insurance emergency travel assistance, such as helping you replace lost travel documents or lost prescriptions, emergency cash transfers, and legal and medical referrals when necessary.


  • Limited travel protection with cost effective coverage
  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 125% of trip cost
  • $2,000 maximum benefit for travel delay

Made for...

  • Vacations / Holidays
  • Employers / Business Travelers

Coverage Information

Here are a few examples of covered trip cancellation and interruptions perils. Please note that the listed perils are not all applicable to both trip cancellation and interruption; refer to the wording of the plan, which is sent upon purchase, for complete details. Additional terms apply to every peril.

Trip Cancellation & Interruption - What’s Covered?
Sickness, injury, or death of insured, a family member, or a travel companion Yes
Insured’s primary residence or destination being rendered uninhabitable by fire, flood, other natural disaster, vandalism, or burglary Yes
Documented theft of passports/visasYes
Involved in a merger, job loss or job relocationYes
Documented traffic accidentYes
Unannounced strikeYes
Inclement weather that causes delay or cancellation by your common carrier Yes
Mechanical breakdown of the common carrierYes
Evacuations due to national disastersYes
Emergency military duty for a natural disasterYes
A terrorist incidentYes
Revoked military leaveYes
Bankruptcy or default of travel provider (other than the travel supplier, tour operator, travel agency, organization, or firm from whom you purchased travel arrangements supplied by others) Yes
NOAA hurricane warning at destinationYes
Court order to appear as a witnessYes
Jury dutyYes
Additional Information
Maximum Trip Duration31 days
Maximum Age Insured70
Pre-Existing Condition Exclusion WaiverYes - within 21 days of initial trip deposit
Pre-Existing Condition Review Period180 days
Premium RefundsYou may submit a cancellation request and receive a full refund within 10 days from the effective date of your coverage, as long as your trip departure date has not occurred and you have not filed a claim. The policy is non-refundable after 10 days.
Latest date plan can be purchased1 day before departure
24/7 Emergency Travel AssistanceIncluded
Minimum Trip Cost to be insured$200
Coverage TypeExcess


This advertisement 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 plans also contain non insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the insurance policy, including an exclusion for pre-existing 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. CA DOI toll free number: 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 Suite 800 Indianapolis, IN 46240 USA. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.


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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.