Compare All Policies for IMG

IMG

Squaremouth offers 8 policies from IMG. Below, you can compare all 8 policies and review each policy’s certificate.

Provider & Policy	Patriot America Plus Certificate	iTravelInsured Travel LX Basic Certificate	iTravelInsured Travel Essential Certificate	Patriot America Platinum Certificate	Patriot America Lite Certificate	Patriot International Lite Certificate	Patriot International Platinum Certificate	iTravelInsured Choice Certificate

AM Best Rating	Underwritten by SiriusPoint Specialty Insurance Corporation AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com	Underwritten by United States Fire Insurance Company AM Best's Rating of A (Excellent) Effective as of: 08/15/2024 Verify this rating at www.ambest.com	Underwritten by SiriusPoint America Insurance Company AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com	Underwritten by SiriusPoint Specialty Insurance Corporation AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com	Underwritten by SiriusPoint Specialty Insurance Corporation AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com	Underwritten by SiriusPoint Specialty Insurance Corporation AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com	Underwritten by SiriusPoint Specialty Insurance Corporation AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com	Underwritten by SiriusPoint America Insurance Company AM Best's Rating of A- (Excellent) Effective as of: 04/25/2025 Verify this rating at www.ambest.com
Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee

Cancel for Covid-19 Sickness	No coverage	Included in Trip Cancellation & Interruption	Included in Trip Cancellation & Interruption	No coverage	No coverage	No coverage	No coverage	Included in Trip Cancellation & Interruption
Trip Cancellation	No coverage	100% of the trip cost	100% of the trip cost	No coverage	No coverage	No coverage	No coverage	100% of the trip cost
Trip Interruption	$10,000 per person Return transportation only	150% of the trip cost	125% of the trip cost	$10,000 per person Return transportation only	$10,000 per person Return transportation only	$10,000 per person Return transportation only	$10,000 per person Return transportation only	150% of the trip cost
Hurricane & Weather	Accommodation made uninhabitable Must be purchased before storm is named	Common carrier delay for 6 hours Mandatory evacuation covered Accommodation made uninhabitable Hurricane warning conditionally covered Must be purchased before storm is named	Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named	Accommodation made uninhabitable Must be purchased before storm is named	Accommodation made uninhabitable Must be purchased before storm is named	Accommodation made uninhabitable Must be purchased before storm is named	Accommodation made uninhabitable Must be purchased before storm is named	Common carrier delay for 6 hours Mandatory evacuation covered Accommodation made uninhabitable Hurricane warning conditionally covered Must be purchased before storm is named
Terrorism	No coverage	Covered for foreign and domestic	Covered for foreign and domestic if purchased within 21 days of deposit	No coverage	No coverage	No coverage	No coverage	Covered for foreign and domestic
Financial Default	No coverage	Covered after 30 day wait	Covered after 14 day wait if purchased within 21 days of trip deposit	No coverage	No coverage	No coverage	No coverage	Covered after 14 day wait if purchased within 21 days of trip deposit
Employment Layoff	No coverage	Covered after 14 day wait If employed for 1 continuous year	No coverage	No coverage	No coverage	No coverage	No coverage	Covered after 30 day wait If employed for 1 continuous year
Cancel For Medical Reasons	No coverage	Included in Trip Cancellation and Trip Interruption	Included in Trip Cancellation and Trip Interruption	No coverage	No coverage	No coverage	No coverage	Included in Trip Cancellation and Trip Interruption
Cancel For Work Reasons	No coverage	Included in Trip Cancellation and Trip Interruption	No coverage	No coverage	No coverage	No coverage	No coverage	No coverage
Cancel For Any Reason	Unavailable	No coverage This benefit is separate from Trip Cancellation	Unavailable	Unavailable	Unavailable	Unavailable	Unavailable	Optional coverage This benefit is separate from Trip Cancellation
Interruption For Any Reason	No coverage	No coverage	No coverage	No coverage	No coverage	No coverage	No coverage	Optional coverage This benefit is separate from Trip Interruption

Medical Coverage for Covid-19	Included in Emergency Medical	Included in Emergency Medical	No coverage	Included in Emergency Medical	Included in Emergency Medical	Included in Emergency Medical	Included in Emergency Medical	Included in Emergency Medical
Emergency Medical	$50,000 policy limit Secondary coverage	$500,000 per person Primary coverage	No coverage	$2,000,000 policy limit Secondary coverage	$50,000 policy limit Secondary coverage	$50,000 policy limit Secondary coverage	$2,000,000 per person Secondary coverage	$100,000 per person Primary coverage
Pre-Existing Condition	Covered for Acute Onset of Pre-Existing Conditions	Covered if policy purchased before the final trip payment	Covered if purchased within 21 days of trip deposit	$1,000,000 per person Emergency Medical for Unexpected Recurrence $25,000 per person Medical Evacuation for Unexpected Recurrence Must be under age 70	No coverage Pre-existing look-back period 3 years	Covered if enrolled in a Primary Health Insurance Plan	$20,000 per person Emergency Medical for Unexpected Recurrence $1,000,000 per person Emergency Medical for Unexpected Recurrence with a Primary Health Plan	Covered if purchased within 21 days of trip deposit
Co-Insurance	Plan pays 100% in PPO network Plan pays 90% outside PPO network	No Co-Insurance	No Co-Insurance	Plan pays 100% in PPO network Plan pays 100% outside PPO network	Plan pays 100% in PPO network Plan pays 80% outside PPO network	Plan pays 100% after deductible	Plan pays 100% after deductible	No Co-Insurance
Medical Deductible	$250 per person	No Medical Deductible	No Medical Deductible	$250 per person	$250 per person	$250 per person	$250 per person	No Medical Deductible
Home Country Coverage	14 days	No coverage	No coverage	14 days	14 days	14 days	14 days	No coverage

Medical Evacuation & Repatriation	$1,000,000 policy limit Pre-Existing Condition limit $25,000 per policy	$1,000,000 per person	No coverage	Included in Emergency Medical $2,000,000 policy limit	$1,000,000 policy limit	$1,000,000 policy limit	Included in Emergency Medical $2,000,000 policy limit	$500,000 per person
Non-Medical Evacuation	$25,000 policy limit	$50,000 per person	No coverage	$25,000 policy limit	$25,000 policy limit	$25,000 policy limit	$25,000 policy limit	$100,000 per person

Extension Of Coverage	No coverage	Coverage can extend up to 10 days Coverage for medical quarantine included	Coverage can extend up to 21 days Coverage for medical quarantine included	No coverage	No coverage	No coverage	No coverage	Coverage can extend up to 21 days Coverage for medical quarantine included
Travel Delay	No coverage	$2,500 per person $250 daily limit Covered after 6 hour delay	$2,000 per person $250 daily limit Covered after 12 hour delay	No coverage	No coverage	No coverage	No coverage	$1,000 per person $150 daily limit Covered after 6 hour delay
Baggage Delay	No coverage	$500 per person Covered after 12 hour delay	No coverage	No coverage	No coverage	No coverage	No coverage	$300 per person Covered after 6 hour delay
Baggage & Personal Items Loss	$500 per occurrence $50 per item Checked luggage only	$2,500 per person $250 per item	No coverage	$500 per occurrence $50 per item Checked luggage only	$500 per occurrence $50 per item Checked luggage only	$500 per occurrence $50 per item Checked luggage only	$500 per occurrence $50 per item Checked luggage only	$1,000 per person $250 per item
Missed Connection	No coverage	$500 per person Covered after 3 hour delay	No coverage	No coverage	No coverage	No coverage	No coverage	$500 per person Covered after 6 hour delay Cruise and tour only

24 Hour AD&D	$50,000 policy limit	No coverage	No coverage	$50,000 policy limit	$50,000 policy limit	$50,000 policy limit	$50,000 policy limit	$10,000 per person
Flight Only AD&D	No coverage	No coverage	$10,000 per person	No coverage	No coverage	No coverage	No coverage	No coverage
Common Carrier AD&D	$100,000 per adult $25,000 per child $250,000 policy limit	$100,000 per person	No coverage	$100,000 per adult $25,000 per child $250,000 policy limit	$100,000 per adult $25,000 per child $250,000 policy limit	$100,000 per adult $25,000 per child $250,000 policy limit	$100,000 per adult $25,000 per child $250,000 policy limit	No coverage

Sports & Activities	Covered Limitations apply	Covered Limitations apply	No coverage	Covered Limitations apply	Covered Limitations apply	Covered Limitations apply	Covered Limitations apply	Covered Limitations apply
Sports Equipment Loss	No coverage	Included in Baggage & Personal Items Loss	No coverage	No coverage	No coverage	No coverage	No coverage	Included in Baggage & Personal Items Loss
Sports Equipment Delay	No coverage	$2,000 per person	No coverage	No coverage	No coverage	No coverage	No coverage	$250 per person
Search & Rescue	No coverage	$10,000 per person	No coverage	No coverage	No coverage	No coverage	No coverage	No coverage
Sports Fees	No coverage	Included in Cancellation & Interruption	Included in Cancellation & Interruption	No coverage	No coverage	No coverage	No coverage	No coverage

Rental Car Damage	No coverage	$40,000 policy limit	No coverage	No coverage	No coverage	No coverage	No coverage	No coverage
Money Back Guarantee	Free look up to 3 days after purchase	Free look up to 10 days after purchase	Free look up to 10 days after purchase	Free look up to 3 days after purchase	Free look up to 3 days after purchase	Free look up to 3 days after purchase	Free look up to 3 days after purchase	Free look up to 10 days after purchase
24 Hour Assistance Service	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided
Identity Theft	$500 per person	No coverage	No coverage	Covered	$500 per person	Covered	Covered	No coverage
Renewable Policy	Renewable up to 24 months	Not renewable	Not renewable	Renewable up to 24 months	Renewable up to 24 months	Renewable up to 24 months	Renewable up to 24 months	Not renewable

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