Travel Insurance
Travel Medical Insurance
International Health Insurance

Trip Cancellation is one of the main reasons to purchase travel protection. When it comes to air travel, if an airline cancels your flight because of inclement weather and it forces you to cancel your trip (or other covered reasons), trip cancellation benefits could kick in. These benefits can help you recover some of the prepaid, non-refundable costs related to your airfare, hotel, cruise and more.

Trip Delay The reasons for travel delays are plentiful: winter storms, hurricanes, lightning, mechanical issues, staffing shortages and more. When your trip is delayed for a certain number of hours due to a covered reason, Trip Delay benefits can be triggered. These benefits can help you cover some of the expenses you take on because of a delay, like extra meals and hotel accommodation.

Missed Trip Connection These benefits can provide reimbursement for the additional transportation costs necessary to catch up with your trip if you miss your trip departure for a covered reason. For example, if your flight is delayed a certain number of hours and causes you to miss the start of your cruise, Missed Trip Connection benefits could help reimburse you for the costs necessary to join the cruise late.

Trip Interruption If you’re forced to start your trip late or end your vacation early due to a covered reason, trip interruption benefits could kick in. These benefits can reimburse you for unused, prepaid, non-refundable travel costs plus the additional transportation expenses required for you to join or rejoin your trip or get you back to your originally scheduled return destination. For example, if you experience a death in the family or other covered circumstance and need to end your trip three days early, travel interruption benefits could reimburse you for the cost of a new flight home

Baggage Benefits If your checked baggage is lost, stolen, damaged, or destroyed while in the care of an airline, this benefit provides reimbursement up to a certain amount. Additionally, if your checked baggage is delayed by an airline for a certain number of hours, you can get reimbursed up to a certain amount for any necessary personal items you had to purchase while waiting for the baggage to arrive with the baggage delay benefit.

Pet Kennel Benefits Travel insurance may include many additional benefits other than those listed above, including benefits designed to help you with your fourlegged family members. If you have the pet kennel benefit in your plan and an airline delays your trip home by a certain number of hours, you could get reimbursed for any additional kennel fees or expenses caused by the airline delay up to a specific amount.

Missed Port Coverage Unless you live near a port, you will likely have to book a flight to get to your trip destination. What happens if your flight is delayed – or worse – cancelled? Suddenly, your dream cruise turns into a nightmare, and you can’t make it to the port in time. With travel insurance, you can be reimbursed for your additional transportation costs incurred to join yourdeparted cruise.

Prepaid Excursion and Activity Expense Protection Cruises are a convenient way to travel, not only for the transportation aspect, but also because most of your activities are booked and paid for in advance. Depending on your plan, you may be covered in the event you have to miss a prepaid activity because you are sick.

Lost and Damaged Luggage Reimbursement You may not have issues with your flight arriving on time, but what if you are waiting at baggage claim and realize your bag didn’t make it to your destination or is delayed? An iTravelInsured travel protection plan includes baggage and personal effects coverage which reimburses damaged, lost, or stolen luggage. If your bags are delayed a certain number of hours, your plan also includes baggage delay benefits that can offer you reimbursement for necessary clothing or personal items you have to buy while waiting for the bags to arrive. By having this protection, you may worry less about boarding the ship without clothing and personal items.

Cruise Cancellation For Any Reason (CFAR) Benefits Because cruises are planned so far in advance, it’s impossible to know what lies ahead 9-12 months from the time you book your trip. A travel protection plan from IMG provides trip cancellation and trip interruption coverage for several unpredictable reasons, including loss of a family member, sudden illness, and more covered reasons.
If you want additional peace of mind, the iTravelInsured Travel LX plan provides a Cancel for Any Reason benefit, which can reimburse up to 75 percent of prepaid, non-refundable trip costs if you choose to not go on your cruise for any reason not otherwise covered by this plan.(Additional cost and terms apply. Not available in NY.)

Medical Emergency Coverage for Illness or Injury Not only do you want to protect your trip investment, but you also want to protect your health – especially in the exotic locations you may visit. Cruise ships may only have medical facilities equipped to handle minor injuries and illnesses. If you become injured or sick beyond what the
medical facilities onboard can handle, the cruise ship may direct you to the hospital at the next port or a medical evacuation may be necessary. Without travel protection, you could be esponsible for paying out-ofpocket for these types of healthcare expenses.
GoTravelCoverage.com iTravelInsured travel protection plans also treat COVID-19 the same as any other sickness for all coverages that are triggered by sickness or that can reimburse losses resulting from a sickness. This means, if you contract COVID-19 while on your cruise, any related medical treatment you receive could be covered.

Comparing Cruise Travel Insurance Plans and Costs The cost of an iTravelInsured travel protection plan is calculated by factors such as age, level of coverage, and percentage of your prepaid, non-refundable trip costs. You’ll find that many cruise lines often offer their own travel insurance as an add-on when booking the cruise, but you may encounter different restrictions, limitations, and costs. Review these options carefully as a travel protection plan from IMG may be a better fit for your needs.

Visitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance but aren’t covered outside of their home country. United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars.

Employees working and living internationally need reliable access to ighquality health care, comprehensive benefits, and the kind of personalized service that demonstrates how much their well-being matters to your organization.
With Gotravelcoverage.com international employer and business insurance plans, employees get the coverage they need to succeed internationally.
Round-the-clock access to emergency medical and travel assistance, easyto-use online tools, group plan management resources, and multilingual claims specialists are just a few of the ways employees enjoy their travels. You have enough to worry about when you're traveling for work.

Other Travel Coverage Available

• Expat / Global Citizen
• Mission / Social Good
• Marine Captain / Crew