Expensive Trip? Call Steve at 888-407-3854 or 816-282-6858 for the right Travel Insurance advice. M-F: 8:30am-7pm, Sat: 11am-4pm, Sun: 2-4pm ET, email or get side-by-side quotes
What People Like You Want To Tell You About TripInsuranceStore.com
The newest comments are on the last pages. Some have the author’s name & city, state / province attached and some do not. These are are the real (not made up) words we have received from our customers. In case you’re tempted to think we just sit around and make these up, here’s why we don’t:
The obvious reason is that it’s dishonest and unethical. This shouldn’t need to be said – I (Steve) do say it up front because that’s the kind of person I am
In addition, you will be covered for a total of 6 months in your country of Citizenship for each plan year you have Cigna.
Cigna International Medical plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. They are specifically designed expat health insurance options to meet your needs, as well as to give you the flexibility you desire. Choose your level of cover and All amounts apply per beneficiary and per period of cover (except where otherwise noted).
International Health Insurance is your essential cover for inpatient, day patient and accommodation costs, as well as cover for cancer, psychiatric care and much more. Our Gold and Platinum plans also give you cover for maternity care.
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has 60 million customer relationships around the world. Looking after them is an international workforce of 30,000 people, plus a network of more than 1 million hospitals, physicians, clinics and health and wellness specialists.
Cigna’s full-time, clinical team is led by physicians. They have years of experience in dealing with varied and unique clinical and service situations worldwide. Their vast experience means they provide high standards of healthcare, regardless of where you are in the world.
Cigna’s Global Health Mission
Everything we do is around our mission to help improve your health, wellbeing and sense of security.
Cigna’s customer care promise
You can seek help for free any hour of the day or night
You can talk to the right person at the right time. Our customer care team will direct your call to one of our healthcare experts
You will have instant and easy access to healthcare facilities and professionals around the world.
You’ll be reimbursed, wherever possible, within five days of receiving your claim. On the rare occasion you have to pay for your treatment directly
Choose your level of cover from the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted). International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and daypatient maternity care. Click here to get Your Customized Cigna Global Health Plan quote.
Benefits
Silver
Gold
Platinum
Annual beneft – maximum per beneficiary per period of cover. This includes claims paid across all sections of International Medical Insurance.
$1,000,000
€800,000
£650,000
$2,000,000
€1,600,000
£1,300,000
Unlimited
Hospital charges for: Nursing and accomodation for inpatient and daypatient treatment and recovery room
Paid in full for semi-private room
Paid in full for a private room
Paid in full for a private room
Hospital charges for:
Operating theatre.
Prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
Treatment room fees for outpatient surgery.
Paid in Full
Paid in Full
Paid in Full
Intensive care
Intensive therapy.
Coronary care.
High dependency unit.
Paid in Full
Paid in Full
Paid in Full
Surgeons’ and anaesthetists’ fees
Where surgery is provided on an inpatient, daypatient or outpatient basis.
Paid in Full
Paid in Full
Paid in Full
Specialists’ consultation fees
Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity.
Paid in Full
Paid in Full
Paid in Full
Hospital accommodation for a parent or guardian
Up to the maximum amount shown per period of cover.
If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if:
accommodation is available in the same hospital; and
the cost is reasonable.
$1,000
€740
£665
$1,000
€740
£665
Paid in Full
Transplant services for organ, bone marrow and stem cell transplants
We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:
the transplant is medically necessary, and the organ to be transplanted has been donated by a member of the beneficiary’s family or comes from a varified or legitimate source.
Paid in Full
Paid in Full
Paid in Full
Kidney dialysis
Where treatment is provided on an inpatient, daypatient or outpatient basis.
Paid in Full
Paid in Full
Paid in Full
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)
Where investigations are provided on an inpatient or daypatient basis.
Paid in Full
Paid in Full
Paid in Full
Advanced Medical Imaging (MRI, CT and PET scans)
Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis.
$5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Paid in Full
Physiotherapy and complementary therapies
Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Home nursing
Up to 30 days and the maximum amount shown per period of cover.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Rehabilitation
Up to 30 days and the maximum amount shown per period of cover.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Hospice and palliative care
Up to the maximum amount shown per lifetime.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Internal prosthetic devices/surgical and medical appliances
We will pay for:
a prosthetic implant, device or appliance which is inserted during surgery.
Paid in Full
Paid in Full
Paid in Full
External prosthetic devices/surgical and medical appliances
Up to the maximum amount shown per period of cover. We will pay for:
a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity.
a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.
For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.
$3,100 (for each prosthetic device)
€2,400 (for each prosthetic device)
£2,000 (for each prosthetic device)
$3,100 (for each prosthetic device)
€2,400 (for each prosthetic device)
£2,000 (for each prosthetic device)
$3,100 (for each prosthetic device)
€2,400 (for each prosthetic device)
£2,000 (for each prosthetic device)
Local ambulance and air ambulance services
Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation.
Paid in Full
Paid in Full
Paid in Full
Inpatient cash benefit
Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they:
receive treatment in hospital which is covered under this plan;
stay in a hospital overnight; and
have not been charged for their room, board and treatment costs.
$100
€75
£65
$100
€75
£65
$200
€150
£130
Emergency inpatient dental treatment
Dental treatment in hospital after a serious accident.
Paid in Full
Paid in Full
Paid in Full
Mental health care
Up to the maximum amount shown per period of cover
Subject to the limits explained below we will pay for:
• the treatment of mental health conditions and disorders; and
• the diagnosis of addictions (including alcoholism);
$5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Paid in Full
Cancer care
› Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient.
› We do not pay for genetic cancer screening.
Paid in Full
Paid in Full
Paid in Full
Routine maternity benefit care
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more:
• hospital, obstetricians’ and midwives’ fees for routine childbirth; and
• any fees as a result of post-natal care required by the mother immediately following routine childbirth.
› We will not pay for surrogacy or any related treatment. We will not pay for maternity benefit care or treatment for a beneficiary acting as a surrogate or anyone acting as a surrogate for a beneficiary.
Not covered
$7,000
€5,500
£4,500
$14,000
€11,000
£9,000
Complications from maternity
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or
childbirth if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy.
Not covered
$14,000
€11,000
£9,000
$28,000
€22,000
£18,000
Homebirths
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneficiary under this policy for a continuous period of 12months or more.
› Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of benefits.
Not covered
$500
€370
£335
$1,100
€850
£700
Newborn care
Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the
policy for 12 months or more.
› Provided the newborn is added to the policy, we will pay for:
• up to 10 days routine care for the baby following birth; and
• all treatment required for the baby during the first 90 days after birth instead of any other benefit; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth.
$25,000
€18,500
£16,500
$75,000
€55,500
£48,000
$156,000
€122,000
£100,000
Congenital conditions
Up to the maximum amount shown per period of cover.
› We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest
themselves before the beneficiary’s 18th birthday if:
• at least one parent has been covered by the policy for a continuous period of 12 months or more prior
to the newborn’s birth and the newborn is added to the policy within 30 days of the birth.
• they were not evident at policy inception.
$5,000
€3,700
£3,325
$20,000
€14,800
£13,300
$39,000
€30,500
£25,000
Deductible (various)
A deductible is the amount which you must pay before any claims are covered by your plan.
Cost share after deductible and out of pocket maximum
Cost share is the percentage of each claim not covered by your plan.The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.
Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.
This is important: If you are making any of your payments with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
IMG iTravelInsured SE and LX Trip Cancellation Plans
You don’t have to insure your full trip cost to get the pre-existing medical condition coverage.
You have to buy the LX plan at or before the Final Payment for your trip to get the LX plan’s pre-existing condition waiver
The IMG iTravelInsured LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
You can cancel your trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days after Your Effective Date
Advance payment may be made to a Hospital if needed to secure Your admission because of a covered Sickness or Injury which first occurs during the course of the Covered Trip.
IMG iTravelInsured SE & LX plans’ maximum trip length is 180 days
The IMG iTravelInsured plans have a 60 day pre-existing conditions Lookback Period
Cancellation due to Work Reasons coverage is included
The IMG iTravelInsured plans cover stable pre-existing medical conditions of non-traveling family members
A brief description is below. For iTravelInsured SE or LX coverage, terms, conditions and exclusions, select the IMG iTravelInsured SE or LX Description of Coverage.
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The IMG iTravelInsured LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 50% surcharge if bought not more than 20 days after your initial trip deposit date.
If You cancel Your Trip for any reason not otherwise covered by the IMG iTravelInsured LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
You cancel Your Trip no later than two (2) days prior to the Scheduled Departure Date of Your Trip.
You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.
This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.
IMG will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us within the specified period.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
The IMG iTravelInsured LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 50% surcharge if bought not more than 20 days after your initial trip deposit date.
If You cancel Your Trip for any reason not otherwise covered by the IMG iTravelInsured LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip forty-eight (48) or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period; and
You insure the full cost of any subsequent arrangements added to the same Trip within twenty (20) days of the date of Your payments for any subsequent Travel Arrangements.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
This benefit does not cover the failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Here are the IMG iTravelInsured SE Plan Prices:
Note this important IMG iTravelInsured SE Plan pricing information:
The table contains rates for Trip costs up to $100,000 per person
Steve rounded the prices to the nearest integer
It’s the same price for a trip of up to 31 days
The daily per person rates for a 32 – 180 days’ trip varies by age
Prices for $15,001-$100,000 Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000
.0362
.0506
.0599
.0721
.0843
.0991
.1172
.1528
Per Day Cost for Over 31 days Trip Length:
$2.41
3.50
3.80
4.45
5.35
6.77
9.11
15.56
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here are the IMG iTravelInsured LX Plan Prices:
Note this important IMG iTravelInsured LX Plan pricing information:
The table contains rates for Trip costs up to $100,000 per person
Steve rounded the prices to the nearest integer
It’s the same price for a trip of up to 31 days
The daily per person rates for a 32 – 180 days’ trip varies by age
Multiply the iTravelInsured LX price by 1.5 to get the 75% Cancel & Interrupt For Any Reason price
Before you set off exploring, ensure you’re protecting your trip the right way. By Zachary Mack October 27, 2022
2) Take a photographic note of everything you’ve packed in your checked luggage.
Whether packing is a long, drawn-out, and traumatic process for you or an easy last-minute task you breeze through, you still might not recall everything that makes its way into your bag. That’s why experts say it’s important to remember to do one thing before you zip up and take off. “Before you close your suitcases, take photos of the contents, so you have an accurate list for a claim,” Steve Dasseos from Trip Insurance Store tells Best Life. “It’s nearly impossible to remember what you packed if your suitcase is lost.”
This is important: If you are making any of your payments with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
You may upgrade the TravelSafe Classic plan to include 75% Cancel For Any Reason benefit if purchased within 21 calendar days after your initial trip deposit date and you insure your full prepaid trip costs.
The TravelSafe Classic with 75% CFAR upgrade is not available to NY residents
You can get the optional $15 Extended Personal Property Pac to cover $1,000 Cell Phones, Laptops, Tablets & PDAs (a $100 deductible applies) and Sports Equipment Rental
TravelSafe can advance payment to a medical facility if needed to secure Your admission
TravelSafe has a 60 day Lookback Period for pre-existing conditions.
$25,000 Non-Medical Emergency Evacuation coverage is included
TravelSafe covers stable pre-existing medical conditions of family members who are not travelling with you
Cancellation due to Work Reasons coverage (revocation of previously approved time off) is included
You can cancel your trip within 24 hours of your Scheduled Departure Date and time if your Trip destination is under a Hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of your Trip occurs more than 15 days following the effective date of coverage for your plan
A brief description is below. For complete coverage, terms, conditions and exclusions, select the TravelSafe Classic or CFAR plan Document. You may view or download TravelSafe’s Certificates with the free Adobe Acrobat Reader.
Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Primary Emergency Medical (per person) – TravelSafe can advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your full bill).
$100,000
Emergency Dental Treatment for Accidental Injury (per person)
Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip
$15 per person Extended Personal Property Pac
Covers $1,000 Cell Phones, Laptops, Tablets & PDAs (a $100 deductible applies) and Sports Equipment Rental
Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here’s How the TravelSafe Classic with the optional Cancel For Any Reason upgrade Benefit Works:
The TravelSafe Classic upgrade includes 75% Cancel For Any Reason coverage The TravelSafe Classic upgrade is not available to NY residents
If You cancel Your Trip for any reason not otherwise covered by the TravelSafe Classic Plus policy, you will be reimbursed for 75% of the non-refundable prepaid expenses for Travel Arrangements You paid for Your Trip, provided:
Your payment for this plan is received within 21 days of Your initial deposit/payment for Your Trip; and
You insure 100% of all prepaid Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and
You cancel Your Trip two (2) days or more before Your Scheduled Departure Date; and
Your per person Trip Cost is $40,000 or less.
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here are the TravelSafe Classic plan prices:
Take note of this important TravelSafe Classic plan pricing information:
The table contains rates for Trip costs up to $100,000 per person.
It’s the same price for a trip of up to 36 days in length
This is important: If you are making any of your payments with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
Travel Insured doesn’t cover trips that that include destinations of Russia and/or Belarus
Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured.Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.
Travel Insured’s Worldwide Trip Protector plan (WTP) has $100,000 Secondary Medical coverage. You can change Medical & Baggage to Primary for $25 a person.
Travel Insured plans will cover up to $100,000 p/p trip cost and $200,000 per policy. They only quote $25,000 p/p maximum online. Contact us for quotes on up to $100,000.
Travel Insured’s Worldwide Trip Protector Plus plan has $100,000 Primary Medical coverage
The Cancel for Any Reason on the Plus plan requires you to cancel Your Trip 48 hours or more before Your Scheduled Departure Date
Utah, Ohio and Connecticut residents have Primary medical coverage
You can cancel your trip within 48 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days after Your Effective Date
The WTP and Plus plans include $150,000 Non-Medical Emergency Evacuation coverage from a safe departure point to the nearest safe location if there was no Travel Advisory or Travel Warning from the US State Dept.
Both the Travel Insured’s Worldwide Trip Protector & Plus plans include “Hospital of Your choice” emergency transportation if medically necessary
Travel Insured can advance payment to a medical facility if needed to secure Your admission
The pre-existing medical conditions Lookback Period is 60 days
Travel Insured covers you for $100,000 Primary or Secondary Medical, up to $1,000,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee. Both plans include Political and Natural Disaster Evacuation coverage to evacuate You home or to the nearest place of safety and then home, there is a $300,000 CSL.
Travel Insured’s Worldwide Trip Protector plan is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.
$100,000 Secondary
You can change Medical & Baggage to Primary for $25 a person. If your trip’s longer than 90 days you have 90 days of coverage for Sickness.
$100,000 Primary
If your trip is longer than 90 days you have 90 days of coverage for Sickness
“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
If You cancel Your Covered Trip for any reason not otherwise covered by this plan at least fortyeight (48) hours or more before Your Scheduled Departure Date, the Company will reimburse You for seventy-five percent (75%) of the prepaid, forfeited, non-refundable payments or deposits You paid for Your Covered Trip provided:
a) Your payment for this policy and enrollment form are received within 21 days after the date your Initial Payment or Deposit for your Trip is received; and
b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days after the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and
c) You cancel Your Trip 48 hours or more before Your Scheduled Departure Date.
Here’s How the Travel Insured Plus Interruption for Any Reason Benefit Works:
If You interrupt Your Trip, 72 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in Your Confirmation of Benefits; or b) 75% the total amount of coverage You purchased, to reimburse You for unused non-refundable land or water Travel Arrangements;
Plus the Additional Transportation Cost paid
a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or
b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)
Important: If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restriction there’s no coverage available under the Optional Cancel and Interrupt for Any Reason Benefit.
Here are the Travel Insured Plus Prices:
Note this important Travel Insured Plus Plan pricing information:
Travel Insured plans will cover up to $100,000 p/p trip cost and $200,000 per policy. They only quote $25,000 p/p maximum online. Contact us for quotes on up to $100,000.
The table contains rates for Trip costs up to $25,000 per person
It’s the same price for a trip of up to 30 days
The daily per person rates for a 31 – 180 days’ trip is $8
Here are the Travel Insured Worldwide
Trip Protector Plan Prices:
Note this important Travel Insured Worldwide Trip Protector Plan pricing information:
Travel Insured plans will cover up to $100,000 p/p trip cost and $200,000 per policy. They only quote $25,000 p/p maximum online. Contact us for quotes on up to $100,000.
The table contains rates for Trip costs up to $25,000 per person
It’s the same price for a trip of up to 30 days
All children under 18 traveling with adult family member are covered at no additional charge
Get Primary medical for just $25 per person
The daily per person rates for a 31 – 180 days’ trip is $5
This is important: If you are making any of your first payment with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
IMG iTravelInsured SE and LX Trip Cancellation Plans
IMG iTravelInsured SE & LX plans’ maximum trip length is 90 days
IMG iTravelInsured SE & LX plans’ maximum trip cost is $50,000 per person
Your Family member (that you may cancel your trip for) must live in the USA, Canada, or Mexico
PA and NY residents have to buy the iTravelInsured LX plan at or before the Final Trip payment for Your Trip to get the iTravelInsured LX plan’s pre-existing condition waiver
You don’t have to insure your full trip cost to get the pre-existing medical condition coverage.
PA residents have to buy the LX plan within 20 days after the initial trip deposit date to get the LX plan’s Cancel for Any Reason benefits.
The IMG iTravelInsured LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
You can cancel your trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days after Your Effective Date
Advance payment may be made to a Hospital if needed to secure Your admission because of a covered Sickness or Injury which first occurs during the course of the Covered Trip.
The IMG plans have a 60 day pre-existing conditions Lookback Period
Cancellation due to Work Reasons coverage is included
The IMG iTravelInsured plans cover stable pre-existing medical conditions of non-traveling family members
A brief description is below. For iTravelInsured SE or LX coverage, terms, conditions and exclusions, select the IMG iTravelInsured SE or LX Description of Coverage.
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here’s How IMG’s iTravelInsured LX Plan’s
Cancel For Any Reason Benefit Works:
The IMG iTravelInsured LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 40% surcharge if bought not more than 20 days after your initial trip deposit date.
If You cancel Your Trip for any reason not otherwise covered by the IMG iTravelInsured LX policy, you will be reimbursed for 75% of the non-refundable prepaid expenses for Travel Arrangements You paid for Your Trip, provided:
Your payment for this plan is received not more than 20 days after Your initial deposit/payment for Your Trip; and
You insure 100% of all prepaid Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and
You cancel Your Trip two (2) days or more before Your Scheduled Departure Date; or
You interrupt Your Trip, 48 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to 75% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements.
Here are the IMG iTravelInsured SE Plan Prices:
Note this important IMG iTravelInsured SE Plan pricing information:
The table contains rates for Trip costs up to $100,000 per person
It’s the same price for a trip of up to 31 days
The daily per person rates for a 32 – 90 days’ trip varies by age
Prices for $15,001 – $100,000 Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000
.0331
.0463
.0549
.0661
.0772
.0908
.1073
.1399
Per Day Cost for Over 31 days Trip Length:
$2.22
$3.23
$3.50
$4.11
$4.94
$6.25
$8.41
$14.36
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here are the IMG iTravelInsured LX Plan Prices:
Note this important IMG iTravelInsured LX Plan pricing information:
The table contains rates for Trip costs up to $100,000 per person
It’s the same price for a trip of up to 31 days
The daily per person rates for a 32 – 90 days’ trip varies by age
Multiply the iTravelInsured LX price by 1.4 to get the 75% Cancel & Interrupt For Any Reason price
Prices for $15,001 – $100,000 Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000
.0958
.107
.1177
.1278
.1362
.1466
.1601
.188
Per Day Cost for Over 31 days Trip Length:
$3.65
$4.63
$5.26
$6.19
$7.31
$9.07
$12.08
$20.38
IMG SE is available to anyone who lives in the United States. In addition, each State has its own approved wording. In order to understand what is covered you need to read the State-Specific Documents: Scroll down to find your State-Specific Description of Coverages
IMG LX is available to anyone who lives in the United States. In addition, each State has its own approved wording. In order to understand what is covered you need to read the State-Specific Documents: Scroll down to find your State-Specific Description of Coverages
IMG LX with the CFAR/IFAR Upgrade is available to anyone who lives in the United States. In addition, each State has its own approved wording. In order to understand what is covered you need to read the State-Specific Documents: Scroll down to find your State-Specific Description of Coverages
If you are going to Costa Rica, you can add the Costa Rica Lodging Expense Bundle, when you buy this plan, which includes the following Upgrades:
Travel Inconvenience Maximum increased to $2,750
Adds the following events to the Travel Inconvenience Benefit
Bed Rest Accommodation $2,000
The Travel Guard Preferred prices aren’t guaranteed. They can change day to day and are based on multiple price factors.
Travel Guard’s COVID-19 Notification
FOR POLICIES PURCHASED ON OR AFTER MARCH 11, 2020
On March 11, 2020, the World Health Organization (WHO) declared Coronavirus (COVID-19) a pandemic. Therefore, any losses for trip cancellation, trip interruption and/or trip delay caused by or resulting from quarantine due to COVID-19 is not considered “Unforeseen” and will not be covered under the terms and conditions of this insurance policy.
However, this does not affect any Medical Benefits available under the insurance policy. If you contract COVID-19 prior to departure, you would be covered for Trip Cancellation, if you have a confirmed and documented diagnosis and/or you are medically unable to travel at the time of departure due to COVID-19. If you contract COVID-19 while on a covered trip, you would be covered for Medical Expense and Trip Interruption/Curtailment benefits if you have a confirmed and documented diagnosis.
Please thoroughly read the Description of Coverage for your insurance policy and note that Travel Guard offers a free-look period, which means you can cancel this insurance policy by giving us written notice within 15 days from the Effective Date of your insurance policy to receive a refund of the premium paid (provided that you have not started your trip or filed a claim). For New York residents, please call 1-800-826-1300 for more information about refunds.
If you have already purchased an insurance policy, the facts and circumstances surrounding your trip and the terms and conditions of your policy will determine the extent of coverage for COVID-19 related claims.For more information, please visit https://www.travelguard.com/travel-news/coronavirus-advisory.
This is an overview of the Travel Guard Preferred Plan. Coverage will vary based on your state of residence. Please refer to your state specific Description of Coverage or Policy for complete details by clicking on the plan links below. If there are any conflicts between the information on this page and the your insurance policy, the policy terms will govern in all cases.
The Preferred Plan includes $50,000 Primary Medical Expense coverage if purchased within 15 days of your initial trip payment. You may double the coverage for a small extra cost with the Medical Bundle.
The optional Emergency Evacuation Upgrade to $1,000,000 gives you Hospital of Your Choice Emergency Evacuation
Without the optional Emergency Medical and Evacuation Upgrade, Emergency Evacuation limited to the nearest adequate licensed medical facility
Travel Guard can arrange payment to a medical facility if needed to secure your admission
Coverage for you when a Family Member not traveling with you requires that any injury or sickness is considered life-threatening, as certified by a Physician or they require Your immediate care.
The Preferred plan has a 180 day Lookback period for the pre-existing medical condition exclusion.
Travel Guard’s Preferred plan is family-friendly: At no additional cost, the plan covers all children age 17 and under who are travelling with and related to the primary adult named on the enrollment form. Offer does not apply to optional coverages. Child’s trip cost cannot exceed adult trip cost to obtain coverage at no additional cost. You get a break on your children’s travel costs, so why pay extra for their travel insurance, too?
Travel Guard Preferred – Enter your state of residence and click “Continue”. Then click on “Coverage Details” to view your Description of Coverage or Policy.
Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call toll free at 1-888-407-3854 or 816-282-6858.
Medical Expense (per person) Travel Guard can arrange payment to a medical facility if needed to secure your admission (this doesn’t mean paying your full bill).
$50,000 Primary if purchased within 15 days of the initial trip deposit date, otherwise Secondary. You may double the coverage for an extra cost with the Medical Bundle.
Emergency Evacuation and Repatriation of Remains (per person)
This is only a brief description of the coverage(s) available under policy series T30337NUFIC (Residents of New York state under policy series T30253NUFIC-NY. Residents of Florida under policy series T30253NUFIC. Residents of OR, GA, UT, WA and NH under T30342NUFIC). The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Assistance Services are provided by Travel Guard.
This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.
Due to Licensing rules, Steve Dasseos is the only person authorized to give specific Travel Guard plan details about a Travel Guard plan over the phone or via email.
Coronavirus Policy Date Changes and Claims
If you are forced to change your travel plans due to the Coronavirus, scroll down this long page to see what you can do with your trip insurance policy. Deanna, Kim and Steve are happy to help you. If we don’t answer the phone, we’ll get back to you as soon as possible (we have caller ID) if you don’t leave a message. Or, contact us here.
As a policyholder you have every right to file a claim. If you ask us if your claim will be paid, we tell you to the best of our knowledge. That said, the only way you can be sure if your claim will be paid or not is after you file your claim. We cannot pre-determine the outcome of your claim. The insurance company has the final say.
You’ll find each of our company’s contact emails and links to specific forms below. If you’re not as computer savvy / literate as you want to be, call or email us and we’ll start the process for you.
Each company requires you to furnish all your supporting documentation. This includes documentation from any travel arrangements you bought independently for the same trip. If you bought airfare on your own, the airline is likely waiving the change fees when you re-use the tickets. This is not the same as getting a cash refund.
Except for us, companies are currently experiencing unusually high call volumes and this will continue for the foreseeable future.
Here are the kinds of questions the Insurance company typically asks customers when they request a date transfer or a premium refund. You will be responsible for furnishing all your supporting documentation from your travel suppliers and travel agents:
Did you incur any penalties from the cancellation of the original trip? This applies to all your travel suppliers including any that you booked independently.
Did you get any Future Travel Credits from your cancelled trip?
Do you have any pending claims for the original travel dates?
What are your new travel dates (if known)?
What is your new travel destination (if known)?
Is there a new trip cost, or will it remain the same as listed for your original trip (if known)?
Travel has not and will not take place due to COVID-19.
A claim hasn’t already been filed against the plan.
The voucher will list an expiration date, based on the original date of purchase. The new trip will need to depart by this date.
Important: The voucher’s value cannot be used to pay for a premium on a policy that is already in force. Nor can you use the voucher’s value to buy a different policy than the one the voucher is associated with.
When you know your new dates of travel, we will update your protection plan to reflect new dates.
– If your original purchase date is June 28th 2021 or earlier, your new trip must depart no later than 12/31/2023.
– If your original purchase date is June 29th 2021 or later, your new trip must depart no later than 3 years from your original application date.
Please note: this does not apply to plans that have existing vouchers on them or have been noted for future travel prior to 12/1/2021.
If a voucher was issued prior to 10/1/2020 then the expiration date would be as listed on the voucher details which would be 3 years from the original plan purchase date. The Voucher for your future use will be provided in an email format.
Even though Travel Insured calls this a “Voucher”, what you actually have is the same policy that you would re-use for a future trip.
If your new trip’s cost is higher, you would increase the coverage and pay the difference in price. If your new trip’s cost is lower, you would decrease the coverage and receive the difference in price as a refund.
If you are receiving a full refund or travel credit due to the Coronavirus, TravelSafe can change the dates on your policy. The new dates must be within 3 years of the date you originally purchased the policy, but not later than Dec 31, 2023.
If the customer receives a partial cash refund and partial future travel credit with the documentation showing this, TravelSafe would change the dates to a new booking.
If you don’t have the new dates, TravelSafe puts in dates prior to the 3 years. Let us or TravelSafe know when you have new dates.
TravelSafe needs the request in writing with proof of refund/credit.
If you choose to transfer your policy to another trip, you will be able to make adjustments to the trip cost. This option also requires documentation showing they are not within penalty.
If you are receiving a full refund or travel credit due to the Coronavirus, CSA / Generali can change the dates on your policy to new travel dates. The destination doesn’t have to be the same.
If you purchased a Generali travel insurance or CSA Travel Protection plan, you may be eligible for a travel insurance policy voucher. If you are eligible for a voucher, you will receive a voucher number within 10 business days of submitting your request. This voucher number can be used to apply your travel insurance plan to a future trip booked on or before March 31, 2022. While travel does not need to occur in 2021, your rebooking of the insurance will need to be done this year.
Voucher eligibility:
Original trip departure date is between January 29, 2020 – March 31, 2022
You must request a voucher by March 31, 2022
Travel has not already taken place
A claim hasn’t already been filed against the plan
You waive your right to file a claim for loss arising out of your original trip date once a voucher is issued
Voucher redemption deadlines:
You must apply the voucher to receive a new travel insurance plan before December 31, 2022
The future trip must have a departure date before December 31, 2023
If your trip has been rescheduled, you may change your policy dates:
To accommodate your changing travel dates, IMG allows you to change your policy’s trip dates.
If you have purchased an IMG plan and would like to change your trip dates, please email a request to datechange@itravelinsured.com and include your name, policy number, and new trip dates in the email. If you have not confirmed your new travel dates, you can still send IMG an email request and simply indicate that you wish to change your dates, and they will honor your request once your new travel plans have been finalized.
You can alter the trip dates at any time prior to departure. Travel dates cannot be extended past a departure more than 2 years on from the original purchase date. IMG must be contacted prior to the original departure date.
Travel dates cannot be extended past a departure of December 31, 2023 for policies issued in 2021 or earlier.
Please note that once trip dates are changed, you will not be able to make any claims on your original trip dates. If you have already submitted a claim, you will not be able to move your trip dates.
The client must inform AIG Travel Guard of the trip cancellation prior to the departure date. It is imperative the insured make the voucher request prior to, and not after, the departure date. We cannot issue a voucher after the departure date.
You request a voucher prior to your trip departure date,
You confirm that you have not incurred any travel supplier fees, penalties, or unused, non-refundable, pre-paid trip costs, and
You have not filed a claim.
If the above requirements are met, our administration team will issue the client a voucher for the value of the premium. The voucher must be applied within two years from the voucher issuance date.
If the client does not apply the voucher to another AIG Travel insurance policy in the two-year period, the voucher cannot be extended.
If the new policy premium is more than the voucher amount, the client is responsible for any additional premium. If the new policy premium is less than the voucher value, no refund or future voucher will be given for the difference.
Select Refund if your policy was purchased within the last 15 days.
Select Vouchers if your policy was purchased over 15 days ago.
If customers are getting a full refund and can prove that for their trip cost BHTP allows you to do one of these two options:
You may move the travel dates to a future trip, but the request must be done prior to the departure date on the plan. If you or us, on your behalf, contact BHTP before your departure date, you may update your plan’s travel dates. If your policy was bought after Sept 30, 2019, a new quote would be calculated. If the cost is higher, you will the owe the difference. If it’s less, you’ll be refunded the difference.
If you do not update your dates prior to the departure date on your plan, you will have to provide proof of 100% refund to transfer the dates. Once the documentation is supplied, BHTP will then purchase a new plan and cancel the old plan refunding the cost of the old plan.
BHTP questions including what can be done with your policy should be emailed to: assist@bhtp.com
BHTP Claims questions can also be emailed to: claims@bhtp.com
=============
Geo Blue
COVID-19 Update for Members: Requests for policy cancellation must be received in writing to enrollment@geo-blue.com. There is no need to speak to someone for policy cancellation requests.
If you are changing your travel dates due to the Coronavirus, Travelex is allowing a one-time date transfer if the new trip is within 12 months of the original departure date. If the new trip is more than 12 months from the original departure date, the date transfer may be approved if all of the following guidelines are met:
Traveler must pay the rates in effect at the time the new trip is booked.
The new trip dates must be APPLIED to the policy within 12 months of the original departure date.
Notify Travelex of request (email or phone) prior to original departure date.
Trip must be cancelled prior to original departure date.
There cannot be any claims filed against the original policy.
The traveler confirms they are waiving their right to claim against the original insured trip under the policy.
The date the new trip is confirmed with dates becomes the new ‘initial deposit date’ for, pre-existing condition exclusion waiver, financial default eligibility and cancel for business reasons, where applicable.
The policy is effective at 12:01am the day following contacting Travelex.
This is important: If you are making any of your payments with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
IMG iTravelInsured SE and LX Trip Cancellation Plans
The IMG LX has $100,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
The IMG SE has $20,000 Secondary Emergency Medical & $100,000 Emergency Medical Evac / Repatriation
IMG iTravelInsured SE & LX plans’ maximum trip cost is $50,000 per person
You can cancel your trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days after Your Effective Date
Advance payment may be made to a Hospital if needed to secure Your admission because of a covered Sickness or Injury which first occurs during the course of the Covered Trip.
You don’t have to insure your full trip cost to get the pre-existing medical condition coverage.
The IMG plans have a 60 day pre-existing conditions Lookback Period
Cancellation due to Work Reasons coverage is included
The IMG iTravelInsured plans cover stable pre-existing medical conditions of non-traveling family members
A brief description is below. For LX coverage, terms, conditions and exclusions, select the IMG SE or LX Description of Coverage.
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here’s How IMG’s LX Plan’s
Cancel For Any Reason Benefit Works:
The IMG LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 40% surcharge if bought not more than 20 days after your initial trip deposit date.
If You cancel Your Trip for any reason not otherwise covered by the IMG LX policy, you will be reimbursed for 75% of the non-refundable prepaid expenses for Travel Arrangements You paid for Your Trip, provided:
Your payment for this plan is received not more than 20 days after Your initial deposit/payment for Your Trip; and
You insure 100% of all prepaid Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and
You cancel Your Trip two (2) days or more before Your Scheduled Departure Date; or
You interrupt Your Trip, 48 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to 75% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements.
Here are the IMG SE Plan Prices:
Note this important IMG SE Plan pricing information:
The table contains rates for Trip costs up to $50,000 per person
It’s the same price for a trip of up to 31 days
The daily per person rates for a 32 – 90 days’ trip varies by age
Prices for $15,001 – $50,000 Multiply the following amounts by your trip cost to get the price:
$15,001-$50,000
.045
.062
.072
.086
.101
.118
.141
.186
Per Day Cost for Over 31 days Trip Length:
$2.79
$4.03
$4.37
$5.12
$6.15
$7.78
$10.53
$17.96
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here are the IMG LX Plan Prices:
Note this important IMG LX Plan pricing information:
The table contains rates for Trip costs up to $50,000 per person
It’s the same price for a trip of up to 31 days
The daily per person rates for a 32 – 90 days’ trip varies by age
Multiply the LX price by 1.4 to get the 75% Cancel & Interrupt For Any Reason price
The iTravelInsured SE has $250,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation and Repatriation
IMG iTravelInsured 
TravelSafe
Travel Insured
The Travel Guard Preferred plan