Underwriter: SiriusPoint America Cruise Insurance
Cruise insurance offers short-term travel coverage that helps provide support for cruise-specific issues, such as cruise cancellation or trip delays, along with medical coverage should the policyholder become sick or injured while aboard the ship.
Showing 6 of 6 plans
iTravelInsured Choice
Underwriter: SiriusPoint America 
Trip CancellationUp to 100%
Trip InterruptionUp to 150%
Baggage LossUp to $1,000
Cancel For Any ReasonOptional Add-on benefit
Emergency Medical*Up to $100,000
Medical Evacuation*Up to $500,000
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 150%
- Travel Delay: Up to $1,000
- Emergency Medical Evacuation
- Accident & Sickness Medical and Dental Expense
- Missed Trip Connection
- Telehealth Services
- Optional Cancel for Any Reason (CFAR) & Trip Interruption for Any Reason (IFAR): Up to 75%
- Optional Enhanced Medical
- Optional Cruise Protection
- Optional Sports Protection
- COVID-19 Coverage
- For U.S residents or U.S citizens traveling within the U.S and/or internationally
- For Age 14 days to 99 years of age
- Coverage for a maximum of 90 days
- Must be purchased prior to departure.
- Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
- Optional Cancel for Any Reason (CFAR) is not available for NY residents or for Israel destination. CFAR must be purchased within 21 days of initial trip deposit date
- Optional Interruption for Any Reason (IFAR) is not available for NY residents or for Israel destination. IFAR must be purchased within 21 days of initial trip deposit date
- Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered
- Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Myanmar (MMR), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR), Uganda (UGA), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)
- Not Available for Purchase from the Following U.S. States/Territories: Washington (WA), Puerto Rico (PR) & Maine (ME). The policy will still cover the traveler(s) visiting and temporarily staying in these U.S. states.
Please refer to the following article concerning the claim process:
Trip Insurance Claim Process
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
Pre-existing condition coverage waiver is available with the iTravelInsured Choice plan if you purchase the plan within 21 days of initial trip deposit day
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.
You may cancel the insurance by giving written consent within the first to occur of the following: (a) 10-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.
iTravelInsured Choice can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
The iTravelInsured Choice plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
iTravelInsured Choice will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Quarantine coverage in iTravelInsured Choice plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
iTravelInsured Choice has an optional Cancel for Any Reason and Interruption For Any Reason benefit that can be added to a policy at the time of purchase and must be within 21 days of your initial trip payment date. The optional rider offers up to 75% for non-refundable deposits if cancellation or interruption is due to a non-covered reason under the policy. Not available for NY residents or Israel destination. Please review your policy terms and conditions for a list of exclusions and restrictions.
All options of the plan would cover for the specific covered reasons. Some of these include:
- Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
- Insured's primary residence or destination uninhabitable
- Documented theft of passports/visas
- Involved in a merger, job loss, or job relocation
- Documented traffic accident
- Unannounced strike
- Inclement weather that causes cessation of services provided by your common carrier
Please check the brochure for more details.
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
The telehealth benefit provides 24/7 access to connect with a board-certified medical professional who can help diagnose, treat, and prescribe medications for many non-emergency medical issues over the phone or through online video consultation.
iTravelInsured Choice offers an Enhanced Medical rider that provides increased coverage for emergency accident and sickness medical expenses, as well as emergency medical evacuation. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.
iTravelInsured Choice offers a Cruise rider that provides additional benefits and trip cancellation/interruption covered reasons specific to cruise travel. The rider must be purchased at the time of application and policyholders should review their policy terms and conditions for any exclusions and restrictions.
iTravelInsured Choice offers a Sports rider that increases Baggage Delay coverage to $1,000 and includes sports equipment. It also increases Sports Equipment Rental coverage to $1,000 and provides $20,000 in Accident and Sickness Medical Expense coverage for participation in adventure, extreme, or hazardous sports, including mountaineering.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
iTravelInsured Choice can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The iTravelInsured Choice plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Cancel for Any Reason & Trip Interruption for Any Reason
Provides cancellation coverage for up to 75% of pre-paid, forfeited, non-refundable payments or deposits for any reason not otherwise covered by this policy or excluded, provided all the following: 1) You purchase this policy within 20 days of initial trip payment or deposit.
2) You insure 100% of the prepaid trip costs that are subject to cancellation penalties and restrictions.
3) You cancel your trip 2 days or more before your scheduled departure date.
4) The cancellation reason is not an exclusion in the policy.
The benefit will also provide coverage if you interrupt your trip 48 hours or more after your departure date, for any reason not otherwise covered in the policy or excluded. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
2) You insure 100% of the prepaid trip costs that are subject to cancellation penalties and restrictions.
3) You cancel your trip 2 days or more before your scheduled departure date.
4) The cancellation reason is not an exclusion in the policy.
The benefit will also provide coverage if you interrupt your trip 48 hours or more after your departure date, for any reason not otherwise covered in the policy or excluded. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
Cruise Protection
Provides additional benefits and trip cancellation/interruption covered specifically for travelers taking a cruise.
- Itinerary Change Benefit: Up to $100 reimbursement if a major itinerary change causes you to miss a prepaid exclusion.
- Travel Inconvenience Benefit: Up to $100 payment if certain inconveniences occur on your trip, such as a virus affecting 30% of passengers, an issue impacting the ship's functionality and operations, significant delays arriving/leaving port, water level issues, natural disasters, and more.
- Additional covered reasons include a government-mandated shutdown of an airport, air traffic control system, cruise port or train station for at least 6 hours and cruise cancellations due to excessive water levels.
Enhanced Medical
Provides increased coverage for emergency accident and sickness medical expense coverage up to $250,000 and emergency medical evacuation and repatriation coverage up to $1,000,000.
Sports Protection
Provides increased baggage delay coverage up to $1,000 and includes sports equipment. The benefit also increases the sports equipment rental coverage to $1,000, and provides $20,000 in coverage for accident and sickness medical expenses due to participation in adventure sports, extreme sports, hazardous sports, and mountaineering.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
iTravelInsured Choice Cruise
Underwriter: SiriusPoint America Trip CancellationUp to 100%
Trip InterruptionUp to 150%
Baggage LossUp to $1,000
Emergency Medical*Up to $100,000
Medical Evacuation*Up to $500,000
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 150%
- Travel Delay: Up to $1,000
- Emergency Medical Evacuation
- Accident & Sickness Medical and Dental Expense
- Missed Trip Connection
- Telehealth Services
- COVID-19 Coverage
- For U.S residents or U.S citizens traveling within the U.S and/or internationally
- For Age 14 days to 99 years of age
- Coverage for a maximum of 90 days
- Must be purchased prior to departure.
- Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
- Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered
- Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Myanmar (MMR), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR), Uganda (UGA), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)
- Not Available for Purchase from the Following U.S. States/Territories: Puerto Rico (PR), Oregon (OR), New York (NY), Montana (MT), Missouri (MO), Minnesota (MN), Maine (ME) & Washington (WA). The policy will still cover the traveler(s) visiting and temporarily staying in these U.S. states.
Please refer to the following article concerning the claim process:
Trip Insurance Claim Process
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
Pre-existing condition coverage waiver is available with the iTravelInsured Choice Cruise plan if you purchase the plan within 21 days of initial trip deposit day
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.
You may cancel the insurance by giving written consent within the first to occur of the following: (a) 10-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.
iTravelInsured Choice Cruise can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
The iTravelInsured Choice Cruise plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
iTravelInsured Choice Cruise will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Quarantine coverage in iTravelInsured Choice Cruise plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
iTravelInsured Choice Cruise does not offer a Cancel for Any Reason benefit. Please review your policy terms and conditions for a list of exclusions and restrictions.
All options of the plan would cover for the specific covered reasons. Some of these include:
- Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
- Insured's primary residence or destination uninhabitable
- Documented theft of passports/visas
- Involved in a merger, job loss, or job relocation
- Documented traffic accident
- Unannounced strike
- Inclement weather that causes cessation of services provided by your common carrier
Please check the brochure for more details.
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
The telehealth benefit provides 24/7 access to connect with a board-certified medical professional who can help diagnose, treat, and prescribe medications for many non-emergency medical issues over the phone or through online video consultation.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
iTravelInsured Choice Cruise can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The iTravelInsured Choice Cruise plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
iTravelInsured Travel SE
Underwriter: US Fire / SiriusPoint AmericaTrip CancellationUp to 100%
Trip InterruptionUp to 150%
Baggage LossUp to $1,500, $250 per item
Cancel For Any ReasonOptional Add-on benefit
Emergency Medical*Up to $250,000
Medical Evacuation*Up to $500,000
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 150%
- Travel Delay: Up to $2,000
- Emergency Medical Evacuation
- Accident & Sickness Medical and Dental Expense
- Missed Trip Connection
- Rental Car Damage & Theft Coverage
- Telehealth Services
- Change Fee
- Optional Cancel for Any Reason (CFAR) & Trip Interruption for Any Reason (IFAR): Up to 75%
- COVID-19 Coverage
- For U.S residents or U.S citizens traveling within the U.S and/or internationally
- For Age 14 days to 99 years of age
- Coverage for a maximum of 90 days
- Must be purchased prior to departure.
- Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
- Optional Cancel for Any Reason (CFAR) is not available for residents of: NY & WA. CFAR must be purchased within 20 days of initial trip deposit date
- Optional Interruption for Any Reason (IFAR) is not available for residents of: NY & WA. IFAR must be purchased within 20 days of initial trip deposit date
- Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered
- Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Myanmar (MMR), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR), Uganda (UGA), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)
Please refer to the following article concerning the claim process:
Trip Insurance Claim Process
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
A pre-existing condition coverage waiver is available with the iTravelInsured Travel SE plan if you purchase the plan within 20 days of the initial trip deposit day.
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.
You may cancel the insurance by giving written consent within the first to occur of the following: (a) 10-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
iTravelInsured Travel SE can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.
The iTravelInsured Travel SE plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
iTravelInsured Travel SE will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Quarantine coverage in iTravelInsured Travel SE plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
iTravelInsured Travel SE has an optional Cancel for Any Reason and Interruption For Any Reason benefit that can be added to a policy at the time of purchase and must be within 20 days of your initial trip payment date. The optional rider offers up to 75% for non-refundable deposits if cancellation or interruption is due to a non-covered reason under the policy. Not available to residents of NY and WA. Please review your policy terms and conditions for a list of exclusions and restrictions.
All options of the plan would cover for the specific covered reasons. Some of these include:
- Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
- Insured's primary residence or destination uninhabitable
- Documented theft of passports/visas
- Involved in a merger, job loss, or job relocation
- Documented traffic accident
- Unannounced strike
- Inclement weather that causes cessation of services provided by your common carrier
Please check the brochure for more details.
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
The telehealth benefit provides 24/7 access to connect with a board-certified medical professional who can help diagnose, treat, and prescribe medications for many non-emergency medical issues over the phone or through online video consultation.
The differences among the plans are mostly the level of coverage. The Lite option offers the most basic coverage, and does not include certain coverages like Pre-existing condition waiver and Cancel for Any Reason. The SE option is the one that provides medium range coverage; the LX option offers the most extensive benefit features and amounts among all the options. You can see the amounts listed in the comparison brochure.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
iTravelInsured Travel SE can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The iTravelInsured Travel SE plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Cancel for Any Reason & Trip Interruption for Any Reason
Provides cancellation coverage for up to 75% of pre-paid, forfeited, non-refundable payments or deposits for any reason not otherwise covered by this policy or excluded, provided all the following: 1) You purchase this policy within 20 days of initial trip payment or deposit.
2) You insure 100% of the prepaid trip costs that are subject to cancellation penalties and restrictions.
3) You cancel your trip 2 days or more before your scheduled departure date.
4) The cancellation reason is not an exclusion in the policy.
The benefit will also provide coverage if you interrupt your trip 48 hours or more after your departure date, for any reason not otherwise covered in the policy or excluded. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
2) You insure 100% of the prepaid trip costs that are subject to cancellation penalties and restrictions.
3) You cancel your trip 2 days or more before your scheduled departure date.
4) The cancellation reason is not an exclusion in the policy.
The benefit will also provide coverage if you interrupt your trip 48 hours or more after your departure date, for any reason not otherwise covered in the policy or excluded. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
FlexiPAX
Underwriter: US Fire Trip CancellationUp to 100%
Trip InterruptionUp to 150%
Baggage LossUp to $1,000
Cancel For Any ReasonOptional Add-on benefit
Emergency Medical*Up to $100,000
Medical Evacuation*Up to $500,000
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 150%
- Travel Delay: Up to $1,000
- Emergency Medical Evacuation
- Accident & Sickness Medical Expense
- Missed Connection
- Itinerary Change
- Optional Cancel and Interrupt for Any Reason Bundle: Up to 75%
- Optional Cancel for Work Reasons: Up to 100%
- Optional Rental Car Damage & Theft Coverage
- Optional Trip Delay Increase
- Optional Medical Upgrade
- COVID-19 Coverage
- For U.S residents traveling within the U.S and internationally
- For Ages 1 to 99 years old
- Coverage for a maximum of 180 days
- Must be purchased prior to departure.
- Trip must be scheduled, prepaid, and arranged prior to departure. No minimum distance requirement from your primary residence.
- Not available for residents of: MO, MT, NY, and WA
- Cancel and Interrupt for Any Reason Bundle must be purchased within 21 days of initial trip deposit date
- Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo (COG), Congo, The Democratic Republic of (COD), Cote D'Ivoire (CIV), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Israel (ISR), Liberia (LBR), Libya (LBY), Myanmar (MMR), North Korea (PRK), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR) & Yemen (YEM)
- Not available for purchase if the traveler(s) is from one of these U.S. States/Territories: American Samoa (AS), Washington (WA), Virgin Islands (VI), Puerto Rico (PR), New York (NY), Montana (MT), Missouri (MO), Marshall Islands (MH) & Guam (GU). The policy will still cover the traveler(s) visiting and temporarily staying in these destinations.
Please refer to the following article concerning the claim process:
Trip Insurance Claim Process
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
The insurance company will not pay for any expenses as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date of coverage. The exclusion for Pre-Existing Condition will be waived provided: (a) Your payment for the policy was within 21 days of the date of your initial deposit date. (b) You insure all pre-paid trip costs that are subject to cancellation penalties or restrictions. (c) You are not disabled at the time your premium is paid.
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.
You may cancel the insurance by given written consent within the first to occur of the following: (a) 14-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy. If the free look back period has passed, you can only cancel for a covered trip cancellation reason or if you have purchased the optional Cancel for Any Reason benefit.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
FlexiPAX can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
The FlexiPAX plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
FlexiPAX will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Quarantine coverage in the FlexiPAX plan falls under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
FlexiPAX has an optional Cancel and Interrupt for Any Reason Bundle that can be added to a policy. The bundle must be purchased within 21 days of your initial trip payment date. Please review your policy terms and conditions for a list of exclusions and restrictions.
All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, Bankruptcy/Default, Quarantine, Residence Uninhabitable
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
The optional Cancel for Work Reasons benefit offered in the FlexiPax plan can pay up to 100% of your non-refundable insured trip cost if you cancel your trip due to a work-related reason. Coverage must be purchased within 21 days of your initial trip payment or deposit. This can be purchased with an additional premium at the time of purchase.
The optional Trip Delay Increase benefit offered in the FlexiPax plan can increase the trip delay maximum coverage amount for the policy period. The benefit will cover $150 per day up to the maximum amount selected. This can be purchased with an additional premium at the time of purchase.
Option #1: $1,500
Option #2: $2,000
Option #3: $2,500
Option #1: $1,500
Option #2: $2,000
Option #3: $2,500
The optional Rental Car Damage And Theft Coverage benefit offered in the FlexiPax plan can provide reimbursement up to the maximum benefit of $30,000 if your rental car is damaged while on a trip due to collision, theft, vandalism, natural disaster, or any cause beyond your control while in your possession, or your rental car is stolen and not recovered. This can be purchased with an additional premium at the time of purchase.
FlexiPAX can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The FlexiPAX plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Cancel And Interrupt for Any Reason
Provides cancellation coverage for up to 75% of pre-paid, forfeited, non-refundable payments or deposits for any reason not otherwise covered by this policy or excluded, provided all the following:
1) You purchase this policy within 21 days of initial trip payment or deposit.
2) You cancel your trip no later than 48 hours prior to your scheduled departure date.
The benefit will also provide coverage if you interrupt your trip 72 hours or more after your departure date, for any reason not otherwise covered in the policy. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
1) You purchase this policy within 21 days of initial trip payment or deposit.
2) You cancel your trip no later than 48 hours prior to your scheduled departure date.
The benefit will also provide coverage if you interrupt your trip 72 hours or more after your departure date, for any reason not otherwise covered in the policy. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
Cancel For Work Reasons
Pays up to 100% of your trip cost if you cancel your trip due to the work related reasons shown below. (Coverage must be purchased within 21 days of your initial trip payment or deposit.)
1) Company merger/acquisition.
2) Transfer which requires relocation of your principal residence.
3) Requirement to work during the trip.
4) Place of employment unsuitable for business due to natural disaster.
Note: Coverage for job termination & layoff is included in the base plan
1) Company merger/acquisition.
2) Transfer which requires relocation of your principal residence.
3) Requirement to work during the trip.
4) Place of employment unsuitable for business due to natural disaster.
Note: Coverage for job termination & layoff is included in the base plan
Trip Delay Increase
The optional Trip Delay Increase benefit offered in the FlexiPax plan can increase the trip delay maximum coverage amount for the policy period. The benefit will cover $150 per day up to the maximum amount selected. This can be purchased with an additional premium at the time of purchase.
Option #1: $1,500
Option #2: $2,000
Option #3: $2,500
Option #1: $1,500
Option #2: $2,000
Option #3: $2,500
Rental Car Damage And Theft Coverage
Reimburse up to the maximum benefit shown ($30,000) if your rental car is damaged while on a trip due to collision, theft, vandalism, natural disaster or any cause beyond your control whole in your possession, or your rental car is stolen and not recovered.
Medical Upgrade
This upgrade increases your coverage limits for medical expenses, medical evacuation, and repatriation benefits.
Bundle 1
Accident & Sickness Medical Expense up to $250,000
Medical Evacuation and Repatriation of Remains up to $1,000,000
Bundle 2
Accident & Sickness Medical Expense up to $500,000
Medical Evacuation and Repatriation of Remains up to $1,500,000
Bundle 1
Accident & Sickness Medical Expense up to $250,000
Medical Evacuation and Repatriation of Remains up to $1,000,000
Bundle 2
Accident & Sickness Medical Expense up to $500,000
Medical Evacuation and Repatriation of Remains up to $1,500,000
Baggage and Personal Effects Increase
Increase your coverage for expenses resulting from baggage loss during your trip up to $2,500.
Baggage Delay Increase
Increase your coverage for expenses resulting from baggage delays during your trip up to $2,500.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
iTravelInsured Travel Lite
Underwriter: US Fire / SiriusPoint AmericaTrip CancellationUp to 100%
Trip InterruptionUp to 125%
Baggage LossUp to $750, $250 per item
Emergency Medical*Up to $100,000
Medical Evacuation*Up to $500,000
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 125%
- Travel Delay: Up to $500
- Emergency Medical Evacuation
- Accident & Sickness Medical and Dental Expense
- Baggage and Personal Effects
- Emergency Travel Arrangements
- COVID-19 Coverage
- For U.S residents or U.S citizens traveling within the U.S and/or internationally
- For Age 14 days to 99 years of age
- Coverage for a maximum of 180 days
- Must be purchased prior to departure.
- Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
- Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered
- Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Myanmar (MMR), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR), Uganda (UGA), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)
Please refer to the following article concerning the claim process:
Trip Insurance Claim Process
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
The iTravelInsured Travel Lite plan does not include a pre-existing condition waiver. The policy excludes conditions diagnosed or treated within 60 days before the purchase date. Please review your policy documents for any limits or exclusions.
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Trip plans are not extendable. In case of change of plans, you would need to purchase a new plan.
You can cancel the plan and get a full refund back, within 10 days of the look-up period. After 10 days of purchase, the plan is not cancelable or refundable.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
iTravelInsured Travel Lite can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.
The iTravelInsured Travel Lite plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
iTravelInsured Travel Lite will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Quarantine coverage in iTravelInsured Travel Lite plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
iTravelInsured Travel Lite does not offer a Cancel for Any Reason benefit. Trip cancellation is covered only for eligible covered reasons. Please review your policy terms and conditions for a list of exclusions and restrictions.
All options of the plan would cover for the specific covered reasons. Some of these include:
- Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
- Insured's primary residence or destination uninhabitable
- Documented theft of passports/visas
- Involved in a merger, job loss, or job relocation
- Documented traffic accident
- Unannounced strike
- Inclement weather that causes cessation of services provided by your common carrier
Please check the brochure for more details.
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
The differences among the plans are mostly the level of coverage. The Lite option offers the most basic coverage, and does not include certain coverages like Pre-existing condition waiver and Cancel for Any Reason. The SE option is the one that provides medium range coverage; the LX option offers the most extensive benefit features and amounts among all the options. You can see the amounts listed in the comparison brochure.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
iTravelInsured Travel Lite can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The iTravelInsured Travel Lite plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
iTravelInsured Travel LX
Underwriter: US Fire / SiriusPoint AmericaTrip CancellationUp to 100%
Trip InterruptionUp to 150%
Baggage LossUp to $2,500, $250 per item
Cancel For Any ReasonOptional Add-on benefit
Emergency Medical*Up to $500,000
Medical Evacuation*Up to $1,000,000
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 150%
- Travel Delay: Up to $2,500
- Emergency Medical Evacuation
- Accident & Sickness Medical and Dental Expense
- Missed Trip Connection
- Rental Car Damage & Theft Coverage
- Telehealth Services
- Change Fee
- Optional Cancel for Any Reason (CFAR) & Trip Interruption for Any Reason (IFAR): Up to 75%
- COVID-19 Coverage
- For U.S residents traveling within the U.S and/or internationally
- For Age 14 days to 99 years of age
- Coverage for a maximum of 90 days
- Must be purchased prior to departure.
- Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
- Optional Cancel for Any Reason (CFAR) is not available for residents of: NY. CFAR is included for the following states: WA. CFAR must be purchased within 20 days of initial trip deposit date
- Optional Interruption for Any Reason (IFAR) is not available for residents of: NY. IFAR must be purchased within 20 days of initial trip deposit date
- Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered unless the Cancel For Any Reason (CFAR) benefit is selected
- Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Myanmar (MMR), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR), Uganda (UGA), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)
Please refer to the following article concerning the claim process:
Trip Insurance Claim Process
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
A pre-existing condition coverage waiver is available with the iTravelInsured Travel LX plan if you purchase the plan before the final trip payment.
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.
You may cancel the insurance by giving written consent within the first to occur of the following: (a) 10 days free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
iTravelInsured Travel LX can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.
The iTravelInsured Travel LX plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
iTravelInsured Travel LX will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Quarantine coverage in iTravelInsured Travel LX plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
iTravelInsured Travel LX has an optional Cancel for Any Reason and Interruption For Any Reason benefit that can be added to a policy at the time of purchase and must be within 20 days of your initial trip payment date. The optional rider offers up to 75% for non-refundable deposits if cancellation or interruption is due to a non-covered reason under the policy. Not available to residents of NY. Please review your policy terms and conditions for a list of exclusions and restrictions.
All options of the plan would cover for the specific covered reasons. Some of these include:
- Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
- Insured's primary residence or destination uninhabitable
- Documented theft of passports/visas
- Involved in a merger, job loss, or job relocation
- Documented traffic accident
- Unannounced strike
- Inclement weather that causes cessation of services provided by your common carrier
Please check the brochure for more details.
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
The telehealth benefit provides 24/7 access to connect with a board-certified medical professional who can help diagnose, treat, and prescribe medications for many non-emergency medical issues over the phone or through online video consultation.
The differences among the plans are mostly the level of coverage. The Lite option offers the most basic coverage, and does not include certain coverages like Pre-existing condition waiver and Cancel for Any Reason. The SE option is the one that provides medium range coverage; the LX option offers the most extensive benefit features and amounts among all the options.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
iTravelInsured Travel LX can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The iTravelInsured Travel LX plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Cancel for Any Reason & Trip Interruption for Any Reason
Provides cancellation coverage for up to 75% of pre-paid, forfeited, non-refundable payments or deposits for any reason not otherwise covered by this policy or excluded, provided all the following: 1) You purchase this policy within 20 days of initial trip payment or deposit.
2) You insure 100% of the prepaid trip costs that are subject to cancellation penalties and restrictions.
3) You cancel your trip 2 days or more before your scheduled departure date.
4) The cancellation reason is not an exclusion in the policy.
The benefit will also provide coverage if you interrupt your trip 48 hours or more after your departure date, for any reason not otherwise covered in the policy or excluded. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
2) You insure 100% of the prepaid trip costs that are subject to cancellation penalties and restrictions.
3) You cancel your trip 2 days or more before your scheduled departure date.
4) The cancellation reason is not an exclusion in the policy.
The benefit will also provide coverage if you interrupt your trip 48 hours or more after your departure date, for any reason not otherwise covered in the policy or excluded. Benefits will be paid up to 75% of the total amount of coverage you purchased to reimburse you for the prepaid payments or deposits for unused non-refundable land, or water travel arrangements.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
