Is InsureMyTrip legit?
Short profile: InsureMyTrip is a travel insurance comparison marketplace founded in 2000 by Jim Grace and headquartered in Warwick, Rhode Island. A division of IMT Services, LLC, it sells no own-brand product — policies are issued by the insurers on its shelf — and it was acquired by Ignyte Insurance in a deal announced September 1, 2026.
Verdict: Legit
InsureMyTrip is a legitimate comparison marketplace — in business since 2000, with a documented ownership change (Ignyte Insurance, announced September 1, 2026) and company-reported scale of 6M+ travellers. The marketplace caveats apply in full: it cannot decide or override a claim, and the policy’s insurer is the entity your contract is with. Its claims-advocacy program (Anytime Advocates, since 2007) is a genuine service differentiator, accurately described as advocacy rather than authority. Verdict dated October 23, 2026; we re-check when the underlying evidence changes.
The 5-point evidence checklist
- PassRegistration & identity — Founded 2000 by Jim Grace; headquartered in Warwick, Rhode Island; a division of IMT Services, LLC; acquired by Ignyte Insurance (announced September 1, 2026); official site insuremy-trip.com. It presents itself as a marketplace, not an insurer — the insurers behind its plans are named at purchase.
- PassPricing transparency — Plans are compared side by side before purchase, and the company publishes its buyer-cost research (typical comprehensive premiums ~6% of trip cost, with age-band averages) — the same data this site cites. Marketplace prices are filed insurer prices; the commission does not add to your premium.
- Not foundComplaints pattern — Not applicable in carrier form: complaints about a policy attach to the issuing insurer, not the marketplace, and our standard complaint source covers auto carriers in any case. The company’s self-reported review average (4.7 out of 5 across 100,000+ customer reviews, per its September 2026 acquisition release) is a company figure, and we print it labelled as one rather than as an independent index.
- Not foundRefund & cancellation terms — Cancellation and refund terms belong to the underlying insurer’s plan documents. The marketplace cannot set or change them — read the specific plan’s terms and review period before buying. Marked Not found at the marketplace level rather than summarising many insurers’ terms as one.
- PassIndependent evidence — The September 2026 Ignyte acquisition (PRNewswire; Insurance Journal) and 26 years of continuous operation corroborate the business independently; its cost research is cited by third parties (and by this site) because it publishes its buyer data.
Complaints, ratings, and pricing notes
InsureMyTrip’s scale figures are snapshots, not a single fact: 4M+ travellers in the company’s 2020 anniversary release, 6M+ travellers and a 4.7/5 self-reported review average in the September 2026 acquisition release. This page prints the current figure with its date and source, and the older one nowhere — mixing vintages is how marketplace profiles quietly inflate. The ownership change is recent enough that many directories still show the pre-acquisition company; the Ignyte deal (announced September 1, 2026) is the current fact.
A safer next step
Compare how the major travel names sell and where each fits on our best travel insurance comparison page. Or run the numbers for your own situation first with the travel insurance cost estimator.
Full details, reader reviews, and the claim module: read the full InsureMyTrip profile.
Sources (checked October 2026): PRNewswire via Morningstar and Insurance Journal (Sep 1–2, 2026 — Ignyte acquisition; 6M+ travellers; 100,000+ reviews at 4.7/5); InsureMyTrip 20th-anniversary release via PRNewswire (Jul 16, 2020 — founding, Anytime Advocates 2007, reviews database 2011); TheTraveler.org InsureMyTrip analysis, 2026 (marketplace model, claims-decision limits).