Travel Insurance Reviews International Medical Group

Thank you for your feedback. IMG has provided the following response:

"Thank you for sharing your feedback about International Medical Group® (IMG®). We are sorry we did not meet your expectations. We value your opinion and want to learn more about your experience with IMG so we can improve to better serve you in the future. Please email us at [email protected] to start the conversation."

Thank you for your feedback. The iTravelInsured LX plan is a comprehensive travel insurance policy which provides a wide range of benefits. This plan offers a lengthy list of covered perils for Trip Cancellation and Trip Interruption along with Cancel for Any Reason, which protects the investment you have made in the trip.

Premiums for comprehensive policies are based largely on the length of the trip, the ages of the travelers, and the cost of the trip.

InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.

Your iTravelinsured SE plan provided Trip Interruption only for those covered reasons that are listed in the policy which include:

Trip Interruption must be due to:
1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s death, which occurs while You are on Your Trip;
2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;
3. For the Other Covered reasons listed below; provided such circumstances occur while coverage is in effect.
“Other Covered reasons” means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster; The Company will only pay benefits for Losses occurring within thirty (30) calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if:
(i) the building structure itself is unstable and there is a risk of collapse in whole or in part;
(ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood;
(iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or
(iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage.
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of two hundred-fifty (250) miles or more of You or Your Traveling Companion by the employer with whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;
f. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while enroute to Your scheduled point of departure;
g. unannounced Strike that causes complete cessation of services for at least six (6) consecutive hours of the Common Carrier on which You are scheduled to travel;
h. Inclement Weather that causes complete cessation of services for at least six (6) consecutive hours of the Common Carrier on which You are scheduled to travel;
T210-IP 7 SE-0417E
i. mechanical breakdown that causes complete cessation of services for at least six (6) consecutive hours of the Common Carrier on which You are scheduled to travel;
j. a government-mandated shutdown of an airport or air traffic control system for reasons other than terrorism or an act of war;
k. You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;
l. involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least one (1) continuous year;
m. a Terrorist Incident that occurs within thirty (30) days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing Your interruption of the Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
n. revocation of Your previously granted military leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.;
o. Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements supplied by others) causing a complete cessation of travel services more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within twenty (20) days of the date Your initial deposit/payment for the Trip is received;
p. Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening Injury or death of one of them;
q. You, Your Traveling Companion or a Family Member traveling with You is required to work during Your Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This benefit only applies if the Policy has been purchased within twenty (20) days of Your initial payment for Your Trip;
r. up to seven (7) days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;
s. You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company.
t. a cancellation of Your Trip within twenty-four (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 fourteen (14) days following Your Effective Date of coverage for Your Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose fifty percent (50%) or more of Your scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Thank you very much for your review.
However, we believe that you are confusing Trip Cancellation with the optional Cancel for Any Reason coverage.

Trip Cancellation reimburses you if you must cancel your trip prior to departure for a "covered" reason. The number one covered reason for Trip Cancellation is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Cancel for Any Reason allows you to cancel your trip prior to departure for other than a "covered" reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10-21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip must be canceled more than 2 days prior to departure date. If you meet all 3 of these conditions, most of the policies will reimburse you for 75% of your penalties, unless otherwise noted.

The Cancel For Any Reason will show under its own box. Please make sure to click on the underlined phrase to view the requirements to qualify for this option. If you decide to buy this Rider, make sure to click on the box near the Cancel For Any Reason Rider and hit the 'buy' button at the top or bottom of the quote. Please note that these policies are State-specific.

In the future, you may wish to call Customer Care at 800-487-9422 for assistance when quoting or purchasing the policy.