iTravelInsured Travel Insurance Review 2024

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Planning a vacation can be an exciting endeavor. Regardless of where and why you’re traveling, it’s vital to ensure that you’re protected if something goes wrong. And this is why travel insurance is important.

In this review of iTravelInsured Travel Insurance, a well-known name in the industry, we’ll share the company’s insurance offerings, look at premium costs, and let you know how to file a claim. We’ll also share a couple of comparisons between iTravelInsured and some of the best travel insurance companies. 

Introduction to iTravelInsured Travel Insurance

iTravelInsured is a collection of travel insurance policies provided by International Medical Group, more commonly known as IMG. One of the industry leaders in travel insurance, IMG provides policies for travel medical insurance, international health insurance, and comprehensive travel insurance. iTravelInsured offers trip protection and medical coverage across six plans.

With six plans to choose from, including a low cost plan and a plan for adventure sports travelers, customers are likely to find a plan that suits their needs. iTravelInsured’s Travel Lite plan is particularly interesting, managing to keep its rates relatively low, even for older travelers.

We’ll get into more details about iTravelInsured’s customer reviews, but it’s worth mentioning at the top that the claims process for iTravelInsured isn’t great, with many customers reporting unresponsiveness, partial claims payouts, and months-long processing times. 

Types of Policies Offered by iTravelInsured

iTravelInsured offers six primary plans: Travel Lite, Travel SE, Travel LX, Travel LX Basic, Travel Sport, and Travel Essential. Each plan has different coverage limits and various types of protection.

Here’s a look at what you’ll get with each plan:

Determining which of these plans will best suit your needs will depend on your budget and which coverages matter most to you.

For example, the Travel LX plan offers the highest coverage limits but will also cost the most. In comparison, the Travel Lite plan is designed for budget-conscious travelers. Its coverage limits are lower than the other plans, but you’ll also pay less for your policy.

Additional Coverage Options from iTravelInsured

iTravelInsured only offers two optional add-ons to its top-tier Travel LX plan. These include CFAR (cancel for any reason) and IFAR (interruption for any reason) coverage. And these add-ons must be purchased within 20 days of the initial trip deposit.

iTravelInsured Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you’ll get an instant quote for iTravelInsured plans available for your trip. And from there, it’s easy to compare each option based on your coverage needs and budget.

Now let’s look at a few examples to estimate iTravelInsured coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following
travel insurance quotes:

• iTravelInsured Travel Lite: $ 87.77
• iTravelInsured Travel SE: $100.43
• iTravelInsured Travel LX: $183.06
• iTravelInsured Travel Sport: $194.01

Premiums for iTravelInsured plans are between 2.9% and 6.5% of the trip’s cost, well within the average cost of travel insurance.

iTravelInsured provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• iTravelInsured Travel Lite: $117.74
• iTravelInsured Travel SE: $135.36
• iTravelInsured Travel LX: $235.53
• iTravelInsured Travel Sport: $246.91

Once again, premiums for iTravelInsured plans are between 2.9% and 6.2% of the trip’s cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• iTravelInsured Travel Lite: $687.18
• iTravelInsured Travel SE: $807.78
• iTravelInsured Travel LX: $1,270.92

Quotes for this trip cost between 3.4% and 6.4%, within and below the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• iTravelInsured Travel Lite: $423.86
• iTravelInsured Travel SE: $449.74
• iTravelInsured Travel LX: $662.28

Quotes for this trip cost between 7.1% and 11%, which is generally higher than the average cost of travel insurance. Older people often pay more for insurance, and iTravelInsured is no exception. That said, its policies for older travelers aren’t as high as some of its competitors.

How to Purchase and Manage Your iTravelInsured Policy

You can by iTravelInsured either through the IMG website. You’ll need to be prepared to provide the following information about yourself and your trip:

• Travel dates
• Primary travel destination 
• Traveler(s) information (age, gender, citizenship, residence, state)
• Trip cost

You’ll be shown quotes for all of IMG’s travel insurance plans that apply to you and your trip. 

How to File a Claim with iTravelInsured

You must submit a claim within 30 days of the loss.

Claims with iTravelInsured will be handled through its claims center. You can contact customer service or the claims center 24 hours a day at 866-347-6673 or 1-866-243-7524, respectively.

Claims forms and information can be mailed to:

IMG iTravelInsured Claims

PO Box 3231

Farmington Hills, Michigan 48333-3231

You can also email claims to itravelclaims@imglobal.com.

iTravelInsured must pay your claim within 30 days of receiving your proof of loss. If you’re not paid within 30 days, your claim starts accruing interest at 6% APY until the date of late payment.

iTravelInsured Customer Service and Claims Experience

IMG, the company that operates iTravelInsured, is very well reviewed, receiving an average of 4.6 stars out of five on Trustpilot and a 4.22 on Squaremouth. Many customers spoke highly of the company’s buying process, saying that the price was reasonable, the application was easy to complete, and customer service agents were polite and knowledgeable.

That said, customer reviews of IMG’s claims don’t line up with the volume of outstanding reviews it has. Customers reported claims taking several months to process. Many of the five-star reviews of IMG’s claims services are filed by people who have recently filed, but haven’t heard back yet. 

In addition to long wait times, customers also reported that claims agents were largely unavailable, and customer service representatives, while polite, were ultimately powerless in escalating a claim. Additionally, multiple customers reported only receiving partial compensation without explanation. One customer mentioned that mental illness was not included as a covered illness, writing, “Almost a medieval view of what constitutes an illness.”

While IMG and iTravelInsured aren’t alone when it comes to a long, uncommunicative claims process, it’s even more concerning that IMG’s customer service team doesn’t respond to any reviews, which is often a good way to reach your insurance provider. 

Compare iTravelInsured Travel Insurance

Learn more about how iTravelInsured travel insurance compares to top travel insurance providers. 

iTravelInsured vs. AIG Travel Guard

We’ll look at a couple of different plans from both iTravelInsured and AIG Travel Guard to compare and contrast the coverage between the two companies.

We’ll start with iTravelInsured’s Travel Essential and AIG’s Essential plans.

AIG’s Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, and up to $100 per day ($500 total) for delays of 12 or more hours, and coverage for lost or delayed baggage.

In comparison, iTravelInsured’s Travel Essential offers trip cancellation coverage of 100% of the trip cost, $0 of emergency medical evacuation coverage, up to $2,000 (with a $250 daily limit) for trip delays of 12+ hours, and no lost or delayed baggage coverage.

So in this instance, it’s pretty easy to decipher the main differences between these plans. And to see that you’ll get much better coverage with AIG’s Essential plan.

Now we’ll look at both of the highest-tier plans from each provider.

AIG’s Deluxe plan, the highest-tier option, provides trip cancellation coverage of up to $150,000, emergency medical evacuation coverage of up to $1,000,000, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

iTravelInsured’s Travel LX plan provides trip cancellation coverage of 100% of the trip cost, up to $1,000,000 in emergency medical evacuation, up to $2,500 with a $250 daily limit )reimbursement for travel delays of 6+ hours, and relatively high limits on coverage for delayed or lost baggage.

In this instance, the Travel LX policy provides superior coverage. But it’s important to always get quotes for your particular situation to find the policy that best fits your needs and budget.

Read our AIG Travel Guard insurance review here.

iTravelInsured vs. Allianz Travel Insurance

Both iTravelInsured and Allianz offer various plans with varying levels of coverage designed for different types of travelers. These include single-trip plans and policies covering those who take multiple trips per year.

Allianz’s most popular single-trip option is the OneTrip Prime plan, which offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.

iTravelInsured’s most popular plan is the Travel SE plan, which provides trip cancellation coverage of 100% of trip costs, trip interruption coverage of 150% of trip costs, emergency medical coverage for $250,000 (primary coverage), coverage for baggage loss, theft, or damage up to $1,500 ($250 per item), and up to $2,000 ($125 daily limit) in travel delay coverage for delays of 12+ hours. Overall, it offers more coverage than Allianz in this example.

Again, it’s best to compare quotes using your personal and trip details to determine which policy is the best for you. Various factors will determine the final cost of any of these policies.

Read our Allianz travel insurance review here.

 iTravelInsured vs. Credit Card Travel Insurance

If you have a travel credit card, check its insurance coverages before purchasing a travel insurance plan from iTravelInsured or another company. That way, you won’t be paying twice for coverage you might already have! Some basic insurance coverages, like primary rental car insurance, are offered through many travel rewards credit cards.

It’s worth considering whether your credit card travel protection is primary or secondary. Secondary coverage will only kick in after any other relevant travel insurance policies you have. And note that insurance provided through a credit card likely won’t cover medical issues, just things like trip and baggage delays.

Once you’re clear on the coverage you have through your credit cards, you can purchase travel insurance to fill in the gaps.

See our guide to the best credit cards with travel insurance.

iTravelInsured Frequently Asked Questions (FAQ)

Why You Should Trust Us: How We Reviewed iTravelInsured

We looked at a variety of factors in reviewing the travel insurance plans offered by iTravelInsured. We also compared them to plans offered by other reputable travel insurance companies. And considered things like coverage limits, premiums costs, available add-ons, and more. 

Because the costs and available coverage depend primarily on the specific traveler’s personal and trip details, it’s best to compare a number of different options to determine which fits your needs. That way you’ll know you’re getting the right amount of coverage aligns with your needs and your budget.

Read more about how Business Insider reviews insurance products here.