Trip Cancellation If you need to cancel your trip before departure due to a covered reason — such as illness, injury, or a number of unforeseen events — JourneySmart reimburses up to 100% of your non-refundable trip costs. JourneySmart covers a wide range of reasons for cancellation.

Trip Interruption If your trip is cut short or you need to return home early due to a covered reason, JourneySmart reimburses up to 150% of your non-refundable trip costs — including the additional transportation expenses required to get you home or back to your trip.

Accident & Sickness Medical Expense With up to $100,000 in emergency medical coverage per person, JourneySmart can help protect you from the high cost of unexpected illness or injury while traveling. Coverage includes eligible physician services, hospital stays, prescription drugs, and more. 

Emergency Medical Evacuation & Repatriation If a medical emergency requires transport to the nearest appropriate facility — or transport home — JourneySmart covers up to $250,000 per person. Return transportation, transportation of traveling children, and bedside visit transportation for a loved one are all included.

Trip Delay If your trip is delayed 12 or more consecutive hours due to a covered reason, JourneySmart reimburses reasonable additional expenses — meals, lodging, and more — up to $150 per day with a maximum of $1,500 per person.

Baggage & Personal Effects Lost, stolen, or damaged luggage and personal items are covered up to $1,500 per person, with a $300 per-item maximum. Passport, visa, and other travel document replacement fees are also included.

Baggage Delay If your checked baggage is delayed or misdirected by a common carrier for 12 or more consecutive hours, JourneySmart reimburses the cost of necessary personal items — clothing, toiletries, prescriptions, and eyewear — up to $250 per person.

Sports Equipment Rental If your sports equipment is lost, stolen, damaged, or delayed by a carrier for 12 or more hours during your trip, JourneySmart covers the reasonable cost of renting replacement equipment — up to $500 per day, maximum $2,000 per person.

Missed Trip Connection If a covered delay causes you to miss your trip departure by 6 or more consecutive hours, JourneySmart reimburses the additional transportation costs required to join your departed trip — up to $500 per person.

Pet Kennel If a covered trip delay extends your return beyond your scheduled date, JourneySmart reimburses additional kennel fees for your cat or dog — up to $300 per pet.

Change Fee Reimbursement If a covered reason requires you to change your airline ticket or travel arrangements, JourneySmart reimburses the change fee charged by the carrier or travel supplier — up to $150 per person.

*Teladoc International JourneySmart includes access to Teladoc International, giving you 24/7 access to board-certified physicians by phone or video from virtually anywhere in the world. Whether you need a consultation, a diagnosis, or a prescription, expert medical advice is just a call away — no matter where your travels take you (only for non-emergency medical issues). 

*non-insurance service 

Optional Coverage Upgrades

• Rental Car Damage and Theft Coverage

Optional upgrades may vary by state and must be selected at the time of purchase.

JourneySmart Travel Protection - exclusively available through our agency, built with IMG, and designed to go wherever you do.

JourneySmart Travel Protection was built for travelers who want serious coverage without compromise.

Best for:

• Travelers taking higher-value trips who want cancellation and interruption protection up to $50,000 in trip cost per person
• Those heading abroad who want strong emergency medical and evacuation coverage as a foundation of their plan
• Travelers who value having a broad range of covered cancellation reasons - from weather and terrorism to pet illness and court orders - so they're covered for life's real curveballs

Also ideal for:

• Cruise travelers, tour-goers, and anyone with high non-refundable prepaid costs who can't afford to absorb a last-minute cancellation
• Active or adventure travelers who want sports equipment rental coverage and the security of medical evacuation up to $250,000
• Travelers who want 24/7 access to virtual physician care through Teladoc International (for non-emergency medical issues), no matter where in the world they land*

*non-insurance services 

When the unexpected happens, you're not on your own.

JourneySmart Travel Protection is backed by IMG's iTravelInsured and includes 24/7 emergency travel assistance services available to you anytime during a covered trip. Whether you're dealing with a medical crisis, a lost passport, or a language barrier at midnight in a foreign country, help is always one phone call away.*

Emergency Travel Assistance Services Include:

• Emergency Travel Arrangements — If your trip is interrupted due to a covered illness or emergency involving a family member, the assistance team can help you make the appropriate travel arrangements to get home or adjust your plans
• Lost Passport & Travel Document Assistance — Help reporting, retrieving, or replacing lost or stolen passports, credit cards, and airline tickets
• Lost Luggage Assistance — Assistance communicating with your carrier to locate and recover lost baggage
• Embassy & Consulate Referral — Immediate access to the location and contact information for the nearest embassy or consulate, wherever you are in the world
• Emergency Message Relay — The team can receive and transmit emergency messages between you, your family, or your employer
• Emergency Prescription Replacement — Assistance locating and replacing lost or damaged prescription medications while traveling
• Medical Referral — Referral to the nearest appropriate medical care facility and assistance scheduling an appointment with your chosen provider
• 24-Hour Medical Monitoring — If you're hospitalized, medical professionals can communicate with your treating physicians, monitor your condition, and keep your family doctor informed as directed
• Emergency Cash Transfer — Help transferring emergency funds of up to $500 in the event of a medical or travel emergency
• Legal Referrals — Referral to the nearest qualified attorney should you need legal assistance while traveling
• Emergency Translations — Personal emergency telephone translation services and referral to a local interpreter service when you need language assistance

Note: Assistance services are available during your covered trip and may be withdrawn at any time. Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods received.

*non-insurance services

Emergency Assistance — Available 24/7: 📞 +1.317.655.9796

We’ve simplified the most important coverage details for you throughout this page.
If you’d like to review the full plan language, you can access the official plan documents below.

📄 Plan Brochure

A quick overview of benefits, coverage highlights, and plan features.

View Brochure →

📋 Certificate of Insurance

The full plan document with complete terms, conditions, and coverage details.

View Certificate →

 ❓Coverage Questions? We're always here to help you understand your coverage before you purchase. 
Contact Us →

We're here to help if you need it.

Claims are handled directly by your insurance carrier, as they are the ones responsible for reviewing, approving, and paying claims based on your plan.

While we don't make claim decisions, our team is here to support you every step of the way - whether that's helping you understand the process or answering questions along the way. Our goal is to make sure you feel confident in what to do next, without navigating it alone.

Filing a claim is simple and can be done online through a secure MyIMG account.

→ Start your claim at https://www.imglobal.com/claims-center

Step 1: Start Your Claim Create or log into your MyIMG account at imglobal.com/member. Navigate to the claims area and follow the prompts to submit your claim. Have your plan information and travel and incident details ready.

Step 2: Upload Supporting Documents You may be asked to provide documentation such as:

• Trip confirmations or receipts
• Medical records or physician statements
• Airline or travel supplier documentation
• Proof of delay, cancellation, or interruption
• Police reports (required for theft or accident-related claims)

These documents help verify your claim and allow for a smoother review process.

Step 3: Track Your Claim After submitting, you'll receive a confirmation. You can return to your MyIMG account at any time to check your claim status or upload additional documents.

Step 4: Receive Your Reimbursement Once your claim is reviewed and approved, reimbursement will be issued based on your plan coverage. Processing times may vary depending on the complexity of the claim.

Need Help With Your Claim?

If you have questions or need assistance with your claim, the iTravelInsured claims team is available to help.

Phone: 1-866-243-7524 or 1-317-655-9798 Email: iTravelClaims@imglobal.com

Paper claim forms are available upon request by contacting the numbers or email above.

We want you to feel completely confident in your purchase. That's why JourneySmart Travel Protection includes a 10-day free look period from the date of purchase.

If you review your policy and decide it's not the right fit for any reason, you may cancel within 10 days of purchase and receive a full refund of your premium — provided that:

• No loss has been incurred
• You have not yet departed on your trip
• No claim has been filed under the certificate

If all of these conditions are met, your cancellation will be processed and your premium will be refunded in full. Upon cancellation within this period, all coverages under the certificate are considered invalid from the beginning.

After the 10-day free look period has passed, the premium for this certificate is non-refundable — even if you later cancel or change your travel plans.

Coverage under JourneySmart Travel Protection cannot be transferred to another traveler, but if your plans change and you're not sure what your options are, reach out to our team before your departure date and we'll help you understand what's available to you.