Comprehensive Benefits at a Glance

• Trip Cancellation — up to 100% of insured trip cost (up to $100,000)
• Trip Interruption — up to 150% of insured trip cost
• Cancel For Any Reason (optional) — 75% of insured trip cost
• Trip Interruption For Any Reason (optional) — 75% of insured trip cost
• Trip Delay — $250 per day, up to $1,500; 6-hour minimum delay
• Change Fee — up to $200
• Missed Trip Connection — up to $500; 6-hour minimum delay
• Accident & Sickness Medical & Dental — up to $100,000 (primary); $750 per trip dental sublimit
• Emergency Medical Evacuation & Repatriation — up to $500,000
• Political/Security & Natural Disaster Evacuation — $100,000 per event
• Baggage & Personal Effects — $1,500 ($250 per item)
• Baggage Delay — $250 per day, up to $500; 6-hour minimum delay
• Sports Equipment Rental — up to $500
• Accidental Death & Dismemberment (Common Carrier) — $10,000

Why travelers choose iTravelInsured Ultra:

• Top-tier limits — $100,000 in trip cost protection, $100,000 primary medical, and $500,000 in evacuation, among the highest in the iTravelInsured lineup.
• Primary medical coverage — your travel medical benefit pays first, without waiting on your home health plan.
• 150% trip interruption — reimburses more than your original trip cost to cover the added expense of getting home or rejoining your trip.
• Optional CFAR and IFAR — add the flexibility to cancel or interrupt for reasons not otherwise covered (see Tab 4).
• Kids-included pricing — one child 17 and under is covered per insured adult at no additional cost.
• Telehealth included — connect with a board-certified professional through Teladoc for many non-emergency issues.
• 10-day free look — review your policy risk-free (see Tab 8).

iTravelInsured Ultra is built for travelers who want the most complete protection available — high limits, primary medical coverage, and the option to add Cancel For Any Reason flexibility to a significant trip investment.

This plan is an excellent fit for:

• Travelers protecting higher-cost trips, with trip costs insurable up to $100,000
• Anyone who wants primary travel medical coverage that pays before their home health plan
• Cruisers, tour travelers, and international travelers who want strong evacuation limits ($500,000)
• Travelers who want the flexibility of optional Cancel For Any Reason and Interruption For Any Reason coverage
• Families — one child age 17 and under is included per insured adult at no additional cost
• Travelers who value 24/7 assistance and telehealth access while away from home
• Those who want the most benefit-rich comprehensive plan in the iTravelInsured lineup

Eligibility notes:

• Plan must be purchased before departure; coverage eligibility is confirmed at the time of claim
• Up to 10 insureds may be covered under one policy
• Trip must be more than 100 miles from your primary residence
• Optional CFAR/IFAR must be purchased at the time the base plan is purchased, and are not available to NY residents
• The pre-existing condition waiver requires purchase within the Time Sensitive Period (by your final trip payment) and that you are medically able to travel (see Tab 4)
• Benefit limits and maximums for NY and WA residents may vary — refer to the certificate for your state
• Underwritten by United States Fire Insurance Company or SiriusPoint America Insurance Company, depending on your state of residence

Every iTravelInsured Ultra plan includes 24-hour Emergency Travel Assistance provided by IMG, plus telehealth through Teladoc — available whenever and wherever you travel. These non-insurance services bring you IMG's Global Peace of Mind®.

Services include:

• Telehealth (Teladoc) — connect by phone or video with a board-certified medical professional who can help diagnose, treat, and prescribe for many non-emergency issues
• Emergency travel arrangements — help returning home or rearranging travel after a covered interruption
• Medical referral & 24-hour medical monitoring — locating care and coordinating with your treating physicians
• Lost passport, travel document, and luggage assistance
• Embassy or consulate referral and emergency message relay
• Emergency prescription replacement
• Emergency cash transfer — up to $500 in a medical or travel emergency
• Legal referrals and emergency translation services

For emergency assistance during a covered trip, call IMG at +1.463.276.5043 (also listed on your ID card and in your policy documents).

Review the full plan details, terms, conditions, and exclusions before you purchase:

• Plan Brochure — benefit summary and plan highlights
• Sample Policy / State-Specific Plan Wording — full policy wording, including the Schedule of Benefits, definitions, coverages, and state-specific amendatory endorsements. The plan document you receive depends on your state of residence; select your state to view the applicable wording.

The brochure provides a brief description of coverage; the certificate contains the governing terms, including reductions, limitations, exclusions, and termination provisions. Because state amendatory endorsements can modify benefits and provisions — and NY and WA limits may vary — always confirm the certificate that applies to your state of residence.

iTravelInsured Ultra claims are administered by IMG / iTravelInsured.

To file a claim:

1. Notify promptly. For trip cancellation or interruption, contact your travel supplier and IMG as soon as possible to avoid non-covered charges due to late reporting. Notice of claim should be given within 20 days after a loss, or as soon as reasonably possible.
2. Create or log in to your MyIMG account at imglobal.com/member and follow the prompts in the Claims Center to start your claim.
3. Gather documentation. Collect your trip invoice, itinerary or confirmation, plus supporting documents — itemized medical bills and reports for medical claims; carrier-issued delay or incident reports for trip delay, missed connection, or baggage claims; receipts for replacement items; and police reports for theft.
4. Submit Proof of Loss. Provide complete Proof of Loss within 90 days after the loss, or as soon as reasonably possible.

Claims & Customer Service — IMG / iTravelInsured Claims center: imglobal.com/member Email: iTravelClaims@imglobal.com Phone: 1-866-243-7524 or 1-317-655-9798

For medical emergencies and evacuations, call IMG's assistance line at +1.463.276.5043 immediately so care and any evacuation can be coordinated and pre-approved.

10-Day Free Look

iTravelInsured Ultra includes a 10-day free look period. If you are not satisfied for any reason, you may cancel within 10 days of the date of purchase by giving written notice to IMG or its authorized representative. As long as you have not departed on your trip and have not filed a claim, your premium will be refunded, and all coverage is treated as void from the beginning.

After the free look period

After the 10-day free look, your premium is non-refundable.

Note: State amendatory endorsements may modify the free look or cancellation terms. Travelers should review the certificate that applies to their state of residence.

iTravelInsured Ultra travel insurance coverages are underwritten by United States Fire Insurance Company (Principal Office: Morristown, NJ; form series T7000 et al.) or SiriusPoint America Insurance Company (form series SA-ITI-19-1000 et al.), depending on your state of residence. Non-insurance Travel Assistance Services are provided by International Medical Group and Teladoc. This page contains only highlights of the plan; the certificate contains reductions, limitations, exclusions (including a pre-existing medical condition exclusion), and termination provisions. Not all coverages are available in all jurisdictions, and benefit limits for NY and WA residents may vary. Please read your certificate for complete terms, conditions, and exclusions. Marketed by iTravelInsured Insurance Services (CA Non-Resident Producer License No. 0F17093).