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Travel LX

Worry Less, Experience More

We are a provider of global insurance benefits and assistance services. Through our IMG products, we help travelers like you protect their trip investment from the unexpected.

Our specially designed travel insurance plans, paired with our world-class non-insurance assistance services, help provide the coverage and confidence travelers need.

Rest assured that we are there with you, wherever your travels take you, providing worldwide coverage, international claims specialists, and access to 24–hour emergency assistance services with multilingual capabilities.

Non-Insurance Emergency Travel Assistance Services

We offer more than insurance protection. The following emergency travel assistance services are available 24/7 while you are on your trip, giving you Global Peace of Mind®(complete details will be provided after purchase):

  • Emergency travel arrangements
  • Medical referral
  • Lost passport/travel documents assistance
  • 24-hour medical monitoring
  • Lost luggage assistance
  • Emergency cash transfer
  • Embassy or consulate referral
  • Legal referrals
  • Emergency message relay
  • Emergency translations
  • Emergency prescription replacement

(The plan includes insurance underwritten by United States Fire Insurance Company, as well as non-insurance assistance services provided by IMG.)

Trip Cancellation & Interruption - What's Covered?

Here are a few examples of trip cancellation and interruptions that can be covered. Please note that the listed perils are not all applicable to both trip cancellation and interruption; refer to the wording of the plan, which is sent upon purchase, for complete details. Additional terms apply to every peril.

  • Sickness, injury or death of insured, a family member, a travel companion, a business partner, a child caregiver, guide/outfitter, service animal or pet
  • Primary residence or destination being rendered uninhabitable
  • Documented theft of passports/visas
  • Involved in a merger, job loss or job relocation
  • Documented traffic accident
  • Unannounced strike
  • Inclement weather that causes delay or cancellation by your common carrier
  • Mechanical breakdown of the common carrier
  • Natural disasters, mandatory evacuations
  • Emergency miltiary duty for national disaster
  • A terrorist incident
  • Revoked military leave
  • Bankruptcy or default of an entity that directly provides travel arrangements
  • NOAA hurricane warning or watch at destination
  • Court order to appear as a witness
  • Jury duty
  • Hijack
  • Pregnancy
  • Legal separation or divorce
  • Adoption
  • A travel alert or travel warning for levels four (4) and higher or an evacuation order or travel ban

The Travel LX plan provides the highest levels of benefits of all IMG plans for the most discerning travelers. Cancel and Interruption for Any Reason (CFAR and IFAR) can be purchased as an optional upgrade. This plan provides coverage for many adventure activities and can be ideal for travelers going to remote and exotic locations worldwide.

Travel Arrangement ProtectionMaximum Benefit Amount
Trip Cancellation*100% of the non-refundable insured trip cost
Trip Interruption150% of the non-refundable insured trip cost
Cancel for Any Reason (CFAR)**
Additional Cost Applies if CFAR is Selected
75% of the non-refundable insured trip cost
Trip Interruption for Any Reason (IFAR)**
Additional Cost Applies if IFAR is Selected
75% of the non-refundable insured trip cost
Trip DelayUp to $250 per day per person ($2,500 max per person)
Change FeeUp to $300 per person
Frequent Traveler RewardUp to $75 per person
Rental Car Damage and Theft CoverageUp to $40,000 per covered vehicle
Missed Trip ConnectionUp to $500 per person
Traveling Companion/Bedside CompanionUp to $200 per day ($1,000 max per person)
Pet Kennel$100 per day ($500 max per pet)
Medical Evacuation and Repatriation of RemainsUp to $1,000,000 per person
      - Hospital of ChoiceIncluded
      - Return TransportationIncluded
      - Transportation of Children/ChildIncluded
      - Bedside Visit Transportation to Join YouIncluded
Search and RescueUp to $10,000 per person
Political or Security Evacuation and Natural Disaster Evacuation$50,000 per event per person
Protection for Your BelongingsMaximum Benefit Amount
Baggage and Personal Effects$2,500 ($250 max per item)
      - Replacement of Passport, Visa, or Other Travel DocumentsIncluded
Sports Equipment RentalUp to $500 per day ($2,000 max per person)
Baggage Delay of at least 12 HoursUp to $500
Travel InsuranceMaximum Benefit Amount
Accident & Sickness Medical and Dental ExpenseUp to $500,000 per person
      - Dental Expense Sublimit$1,000 per trip
Accident Death and DismembermentMaximum Benefit Amount
Common Carrier$100,000

*The trip cancellation benefit is determined by the amount of your trip you elect to protect, up to the maximum benefit stated above.

**You can only purchase this benefit at the time the base plan is purchased and within twenty (20) days of the initial trip deposit. Cancel for Any Reason benefit does not cover the failure of the travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason. You must cancel your trip two days or more before your scheduled departure date. An additional cost will apply.


P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA


Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 2960 North Meridian Street Suite 300 Indianapolis, IN 46208 USA. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights, and other proprietary materials owned, registered and used by the administrator and its representatives throughout the world.

Version: CM00501393A210511
Version 0621/0621A

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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