iTravelInsured Travel LX
A comprehensive trip protection insurance plan offering extensive coverage for trip cancellation, trip delay and medical coverage.
- Standard Benefits Policy comes with these benefits.
- COVID-19 Coverage Included
- Trip Cancellation: Up to 100%
- Trip Interruption: Up to 150%
- Travel Delay: Up to $2,500
- Missed Connection: Up to $500
- Lost/Damaged Checked Baggage: Up to $2,500
- Emergency Medical Evacuation: Up to $1,000,000
- Accident & Sickness Expense: Up to $500,000
- Free Look Back Period (Cancelable): 10 days
- Optional Benefits Can be added for an additional cost.
- Cancel for Any Reason (CFAR)
- Trip Interruption for Any Reason (IFAR)
|Up to $100,000 of trip cost|
|Up to 150% of trip cost|
|Available if purchased within 24 hours of final trip payment|
|Up to $2,500 ($250/day)|
24 Hour AD&D
Accident and Sickness Medical Expense
|$500,000 ($100,000 for FL, KS, MO, VA, WA)|
Baggage and Personal Effects
|$500 (after initial delay of 12 hours)|
Cancel for Any Reason
|Optional Add-ON: 75% of trip cost insured if purchased within 20 days of initial trip deposit|
Cancel for Work Reason
Common Carrier AD&D
Emergency Medical Evacuation
Emergency Medical Expense
|$500,000 ($100,000 for FL, KS, MO, VA, WA)|
Interruption for any reason
|Optional Add-ON: 75% of trip cost insured|
Lost Golf Rounds and Equipment Rental
|$2,000 (up to $500 per day)|
Lost Ski Days and Equipment Rental
|$500 (after initial delay of 3 hours)|
Optional Collision Damage Waiver
Optional Flight Accident
Reimbursement of Miles or Reward Points
Plan Administrator Company
Carrier / Underwriter
United States Fire Insurance Company
AM Best Rating
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: 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 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.
Q5: Is the plan cancelable?
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.
Q6: Are pre-existing conditions covered by the plan?
Pre-existing conditions coverage varies with the plan option you choose.
Q7: Can I cancel the plan for any reason?
iTravelInsured Travel LX has an optional Cancel for Any Reason benefit that can be added to a policy for specific states. Cancel for Any Reason must be purchased within 20 days of your initial trip payment date. Please review your policy terms and conditions for a list of exclusions and restrictions.
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.
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.
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.