ICI Traveler

What ICI Traveler Is

ICI Traveler is a travel insurance agency, not an insurer: its footer describes it as a "Licensed insurance agency operating in all 50 states," and it sells plans that other companies underwrite and administer. Its about page states, "For over 25 years, our family-owned team has helped travelers, mission groups, and families protect their journeys with clarity, compassion, and real support," and that the company "began in 1998 as Insurance Consultants International." Its founder, Craig Robinson, is quoted there too: "Behind every itinerary is a real person, a real family, and a trip that matters. We've always believed travelers deserve more than a policy. They deserve someone they can trust."

The homepage sorts visitors by traveler type rather than one generic quote form: it lists a Family Vacationer, Luxury Traveler, Frequent Traveler, Israel and Holy Land Traveler, Safari Traveler, a Mission Trips and Faith-Based track, Cruiser, AMAC Member, Scuba Diver and Global Citizen as separate entry points, each routing to a different plan or plan family. The mission track is its own named service: the mission-trip page states, "Mission Trip Insurance is a specialized service of ICI Traveler, helping churches, mission organizations, missionaries, and faith-based travelers find travel insurance options for their unique journeys."

Who Carries the Risk

The plan pages name the carriers behind each product. The TripArmor page says its full plan wording is "Underwritten by United States Fire Insurance Company, administered by IMG," and that "Claims and assistance services provided by IMG (International Medical Group)." The Allianz Annual Executive Plan page states that its insurance benefits are underwritten by BCS Insurance Company, rated A (Excellent) by A.M. Best, or Jefferson Insurance Company, rated A+ (Superior) by A.M. Best, "depending on your state of residence." The emergency assistance page lists 24/7 assistance, claims and customer service contacts for IMG, Allianz Global Assistance, Travel Insured International, Trawick International and Seven Corners, and warns that "Phone numbers may vary depending on the insurance plan purchased."

That page is also clear about the agency's limits: "ICI Traveler is not a 24-hour emergency assistance provider and cannot authorize medical treatment or medical evacuations." It lists what the agency does help with, including general coverage questions, policy documents, claims guidance and policy changes before departure. The TripArmor page puts claims the same way: "Claims are handled directly by your insurance carrier, as they are the ones responsible for reviewing, approving, and paying claims based on your plan."

TripArmor, the Mission Plan

The mission-trip page prices TripArmor "starting at just $33 per person" with "no age-based rates." The same page's estimate shows the post-departure plan at "$33.00 per person · up to 30 days," with Pennsylvania residents at "$43.12/person" and "Additional days $2.58/day (up to 90 days)." It adds that "The $33 plan includes post-departure benefits only and does not include trip cancellation coverage." The plan details page limits who can buy it: "Because of our exclusive flat-rate pricing, this plan is available only to those traveling for faith-based and ministry purposes," and it "is not available for general leisure travel, vacation travel, or cruises unrelated to faith-based or ministry purposes."

The page's coverage summary lists Emergency Medical Coverage up to $100,000, Emergency Medical Evacuation and Repatriation up to $1,000,000, Political and Security Evacuation up to $25,000 per event, Natural Disaster Evacuation up to $25,000 per event, Baggage and Personal Effects up to $1,500, Trip Interruption up to $1,000, Travel Delay "up to $200 per day (maximum $2,000)," and Accidental Death and Dismemberment up to $50,000. It adds "24/7 Teladoc Access," which lets a traveler "speak with a licensed physician anytime during your trip for non-emergency medical needs," marked as a non-insurance service, and assistance through IMG's iTravelInsured, which the page says offers "referral and coordination only." Trip Cancellation and a Cancel For Any Reason upgrade are optional; the page says the CFAR upgrade "is only available if added within 20 days of your initial trip deposit" and is "Not available to NY residents."

Claims go online through a MyIMG account, with supporting documents such as trip confirmations, medical records and police reports for theft. The plan carries a free look: a buyer may cancel "within this 10-day review period for a full refund - provided your trip has not started and no claim has been filed," and "After the 10-day review period, the plan becomes non-refundable."

The Allianz Annual Executive Plan

The second plan with a full page on the site "protects all trips taken within a 12-month policy period." A buyer picks "a per-person annual trip cancellation limit - $5,000, $7,500, or $10,000," and Trip Cancellation and Trip Interruption draw from that shared limit while other benefits reset each trip. The page lists Emergency Medical and Dental Care up to $50,000 per trip, Emergency Medical Transportation up to $250,000 per trip, Travel Delay up to $1,600 per trip, Baggage Loss, Damage, or Theft up to $1,000 per trip, Rental Car Damage and Theft up to $45,000, and Travel Accident up to $50,000. It states that "Medical benefits are secondary to other valid coverage."

This is the one plan on the site with a price table. For most states the page lists $805 per person for the $10,000 limit, $635 for $7,500 and $510 for $5,000; for Florida, Kansas and Texas it lists $785, $615 and $485. It notes, "Pricing shown is based on standard plan examples and may vary." The plan "is not available in New York or Washington," and the page states, "Plans only available to U.S. residents and may not be available in all jurisdictions." On pre-existing conditions, it says a buyer "must purchase your plan within 14 days of your initial trip deposit" to be eligible for the time-sensitive waiver of pre-existing medical condition exclusions. The free look is "15 days (or more, depending on your state of residence)," and the agency sends a renewal reminder before the year ends.

Buying Through the Site

A plan-matching tool on the all-plans page sorts a shopper by trip cost and age before recommending a plan: it names the Choice Plan for "trips under $10,000 per person and travelers under 71," the GoReady Elite Plan for "travelers 71 and older," and routes a shopper who would "prefer to speak with an agent" to the TripWise Plan. That threshold is a routing rule for the recommendation, not a stated age cap. The FAQ page says "Most travelers purchase coverage right after their first trip deposit," and that buying early can "help you qualify for time-sensitive options like Cancel For Any Reason." For an emergency abroad, the site tells travelers to "contact the 24/7 Emergency Assistance Provider listed on your travel insurance policy immediately." The Choice, GoReady Elite and TripWise plans have no benefit tables on the all-plans page, so their limits come from the quote.

Who It Suits

ICI Traveler suits a shopper who already knows what kind of trip they are insuring, since the site organizes itself around traveler types, mission teams, families, cruisers, frequent travelers and AMAC members, and who wants to see benefit limits and, for the annual plan, a price table before quoting. It fits a church or mission organization in particular, since TripArmor is sold only for faith-based and ministry travel at a per-person rate that the site says has no age-based increases, with a named underwriter and administrator. The Allianz annual plan is limited to U.S. residents and unavailable in New York and Washington, and the agency itself does not run an emergency line or decide claims, so a traveler deals with the carrier once something goes wrong abroad.