iTravelInsured Travel Lite

Q1: Who is eligible for the iTravelInsured Trip Plans?

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.

Q2: Does my plan cover COVID-19?

If you become ill from contracting COVID-19 during your period of coverage or ordered into quarantine from an authorized person(s), you may be eligible for reimbursement of medical expenses and trip costs. Please refer to your plan documents for the terms and conditions of these benefits.

Q3: What should be included in the trip cost?

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.

Q4: Can I extend the plan if I stay longer on my trip?

Trip plans are not extendable. In case of change of plans, you would need to purchase a new plan.

Q5: Is the plan cancelable?

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.

Q6: Are pre-existing conditions covered by the plan?

Pre-existing conditions coverage varies with the plan option you choose.

1. Pre-existing conditions are not covered by the iTravelInsured Lite option
2. Pre-existing condition coverage waiver is available with the SE plan if you purchase the plan within 20 days of initial trip deposit day
3. Pre-existing condition coverage waiver is available with the LX plan if you purchase the plan within 24 hours of final trip payment.

Q7: Can I cancel the plan for any reason?

Cancel for Any Reason is available only with the LX plan as an optional add-on to the coverage. For all other options, trip cancellation is covered only for covered reasons.

Q8: What are some of the covered reasons for trip cancellation benefits?

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.

Q9: What is the difference between Trip Cancellation and Trip Interruption?

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.

Q10: What are the differences between the three iTravelInsured plans - Lite, SE, and LX?

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.

Q12: When does my coverage start on my trip insurance policy?

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.