iTravelInsured Travel Lite
Rated A (Excellent)By: IMG, UW: US FireUnited States Fire Insurance Company
An economical trip protection insurance plan for U.S Residents, offering basic coverage for trip cancellation, trip delay and also limited medical coverage.
- Standard Benefits Policy comes with these benefits.
Cancel for Any Reason (CFAR) : Excluded- COVID-19 Coverage Included
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 125%
- Travel Delay: Up to $500
- Missed Connection: Excluded
- Lost/Damaged Checked Baggage: Up to $750
- Emergency Medical Evacuation: Up to $500,000
- Accident & Sickness Expense: Up to $100,000
- Free Look Back Period (Cancelable): 10 days
- Optional Benefits Can be added for an additional cost.
- No Optional Benefits Available
Trip Cancellation | Up to $25,000 of trip cost |
Trip Interruption | Up to 125% of trip cost |
Pre-Existing Coverage | No |
Trip Delay | $500 ($125 per day after an initial delay of 12 hours) |
24 Hour AD&D | Not Available |
Accident and Sickness Medical Expense | $100,000 |
Baggage and Personal Effects | $750 |
Baggage Delay | $150 (after initial delay of 24 hours) |
Cancel for Any Reason | Not Available |
Cancel for Work Reason | Not Available |
Change Fee | N/A |
Common Carrier AD&D | Not Available |
Emergency Medical Evacuation | $500,000 |
Emergency Medical Expense | $100,000 |
Interruption for any reason | N/A |
Lost Golf Rounds and Equipment Rental | N/A |
Lost Ski Days and Equipment Rental | N/A |
Missed Connection | Not Covered |
Non-emergency Evacuation | N/A |
Optional Collision Damage Waiver | Not Covered |
Optional Flight Accident | Not Covered |
Reimbursement of Miles or Reward Points | N/A |
Plan Administrator Company
IMG
Carrier / Underwriter
United States Fire Insurance Company
AM Best Rating
A (Excellent)
iTravelInsured Travel Lite Insurance FAQs | |
| 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.
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| 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:
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. | |
| Q11: Does iTravelInsured cover the Coronavirus vaccination? iTravelInsured doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions. | |
| 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. | |
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.
