ILLX

iTravelInsured Travel LX

Trip Plan
Administrator/Underwriter
IMG
United States Fire Insurance Company
Coin
Trip Cancellation
up to $100,000
Notification
Trip Interruption
150% of trip cost
Coin
Trip Delay
$1,000
Coin
Medical Evacuation
$1,000,000
Coin
Missed Connection
$500 (after 3 hrs. of delay)
BUY
All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.
Trip Interruption
Up to 150% of trip cost
Trip Cancellation
Up to $100,000 of trip cost
Pre-Existing Coverage
Available if purchased within 24 hours of final trip payment
Trip Delay
$1,000 after 6 hours of initial delay
24 Hour AD&D
Not Available
Accident and Sickness Medical Expense
$500,000 ($100,000 for FL, KS, MO, VA, WA)
Baggage and Personal Effects
$2,500
Baggage Delay
$500 (after initial delay of 12 hours)
Cancel for Any Reason
Included: 75% of trip cost insured if purchased within 20 days of initial trip deposit
Cancel for Work Reason
Not Available
Change Fee
$300
Common Carrier AD&D
$100,000
Emergency Medical Evacuation
$1,000,000
Emergency Medical Expense
$500,000 ($100,000 for FL, KS, MO, VA, WA)
Interruption for any reason
Included: 75% of trip cost insured
Lost Golf Rounds and Equipment Rental
$2,000 (up to $500 per day)
Lost Ski Days and Equipment Rental
N/A
Missed Connection
$500 (after initial delay of 3 hours)
Non-emergency Evacuation
$50,000
Optional Collision Damage Waiver
$40,000 (included)
Optional Flight Accident
Not Available
Reimbursement of Miles or Reward Points
$75

Plan Administrator Company

IMG

Carrier / Underwriter

United States Fire Insurance Company

iTravelInsured Travel LX 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: 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.

Q3: Can I renew the plan if I extend my trip?

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

Q4: 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.

Q5: 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.

Q6: Can I cancel the plan for any reason?

Cancel for Any Reason is available only with the LX option with no extra cost. For all other options, trip cancellation is covered only for covered reasons.

Q7: 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.

Q8: 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.

Q9: 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.

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.