iTravelInsured Travel LX Plan Information, Benefits, And Eligibility

The iTravelInsured Travel LX plan is designed for travelers who require comprehensive coverage and support during domestic or international trips, especially those traveling to remote or exotic locations.

It offers one of the most robust travel insurance packages available, covering a wide range of potential issues such as trip cancellations, interruptions, medical emergencies, and travel delays.

With added benefits such as coverage for pet owners and a wide range of evacuation services, this plan provides peace of mind for the discerning traveler.

You can purchase optional upgrades like Cancel for any reason (CFAR) and Interruption for any reason (IFAR) at an additional cost.

What Is iTravelInsured Travel LX Insurance?

• iTravelInsured Travel LX is a comprehensive travel insurance plan designed for discerning travelers, ideal for remote and exotic locations worldwide.
• It provides high-level benefits for trip cancellation, interruption, and delay, as well as medical benefits and emergency services.
• The plan is designed for travelers who want comprehensive coverage for their trip.

Plan Information Of iTravelInsured Travel LX Insurance

• Insurer: United States Fire Insurance Company.
• Policy Type: Travel Insurance.
• Coverage Scope: Domestic and international (including cruises and tours).
• Eligibility: Available to individuals who are booked on a trip and pay the required premium.
• Policy Duration: Coverage starts at the time specified for each benefit (trip cancellation, medical expenses, etc.) and ends at the completion of the trip.
• Free Look Period: 10 days from the date of purchase for a full refund if no claims have been filed and the trip has not started.
• Maximum Trip Length: 180 days.

Key Benefits Of iTravelInsured Travel LX

The iTravelInsured Travel LX plan includes extensive benefits that cover numerous travel-related incidents. Here’s a breakdown of the coverage provided:

Benefit Type	Details
Trip Cancellation	Up to 100% reimbursement of non-refundable trip costs for cancellations due to covered reasons.
Trip Interruption	Reimbursement up to 150% of non-refundable trip costs, covering additional costs for interrupted trips.
Cancel for Any Reason (CFAR)(Optional Upgrade)	Up to 75% of non-refundable trip costs for cancellations not covered by the standard policy (only available at the time of purchase).
Trip Interruption For Any Reason (IFAR)(Optional Upgrade)	Up to 75% of non-refundable trip costs for interruptions not covered by the standard policy
Trip Delay	Up to $250 per day, with a maximum of $2,500 for delays lasting more than 6 hours.
Change Fee	Reimbursement of up to $300 per person for fees incurred to change travel arrangements due to a covered reason.
Medical Evacuation	Up to $1,000,000 for Emergency medical evacuation, including transportation to the hospital of choice and Repatriation of remains.
Traveling Companion/Bedside Companion	Up to $200 per day for a companion to stay bedside if a traveling companion is hospitalized (maximum $1,000).
Pet Kennel Fees	Up to $100 per day for kennel fees if a trip is delayed and a pet must stay longer (maximum $500).
Rental Car Damage and Theft	Up to $40,000 for damage or theft of a rental car.
Baggage and Personal Effects	Up to $2,500 for loss, theft, or damage to baggage and personal effects, including passport or visa replacement.
Search and Rescue	Up to $10,000 for search and rescue services if the traveler is lost or injured.
Accident & Sickness Medical Expenses	Up to $500,000 for medical expenses, including emergency medical treatment and evacuation, with a dental sublimit of $1,000 per trip.
Accidental Death And Dismemberment	$100,000 (Common Carrier)

• Trip cancellation and interruption coverage up to 100% of non-refundable trip cost.
• Medical benefits, including emergency medical evacuation and hospital of choice.
• Travel inconvenience benefits, including baggage delay and loss, and travel delay.
• Political or Security evacuation benefit and natural disaster evacuation up to $50,000 per event/per person.
• Cancel for Any Reason (CFAR) option available for an additional premium.

Trip Cancellation And Interruption Coverage

• Trip cancellation insurance provides a full cash refund if an unexpected event occurs.
• Trip interruption reimburses you for the unused prepaid travel arrangements.
• Coverage for trip cancellation and interruption due to COVID-19.
• Pre-existing condition waiver available if purchased within 20 days of initial trip deposit.

Medical Benefits And Emergency Services

• Medical insurance limit up to $500,000 per person.
• Emergency medical evacuation benefit up to $1,000,000.
• Medical treatment and services related to COVID-19 can be covered.
• Pre-existing medical conditions coverage available with waiver.

Travel Inconvenience Benefits

• Baggage loss/damage benefit up to $2,500.
• Baggage delay benefit up to $500.
• Travel delay benefit up to $250 per day, $2,500 maximum.
• Sports equipment rental benefit up to $500/day, $2,000 max.

iTravelInsured Travel LX Insurance Policy Limits And Exclusions

• Policy limits and exclusions apply, including an exclusion for pre-existing medical conditions.
• Maximum trip duration is 180 days.
• Maximum age insured is 99.

COVID-19 Benefits And Travel Insurance

• COVID-19 coverage, including treatment and quarantine.
• Trip cancellation due to COVID-19.
• COVID-19 testing and vaccination/booster not covered.

iTravelInsured Travel LX Insurance Eligibility And Coverage Details

Who Is Eligible For the iTravelInsured Travel LX Insurance plan?

• Eligibility: The plan is available to individuals up to 99 years who have made the necessary premium payment and are booked to travel.
• Coverage Starts: Coverage begins once the required premium is received and at the designated times for each coverage area (such as trip cancellation or medical expenses).

Covered Events For Trip Cancellation And Interruption

• Trip Cancellation: Coverage for unforeseen circumstances such as illness, injury, death, or severe weather conditions preventing travel.
• Trip Interruption: If a trip must be interrupted due to any of the listed unforeseen circumstances (e.g., injury or death of the insured or a family member, or a natural disaster), the plan provides reimbursement for unused trip costs.

iTravelInsured Travel LX Insurance Pre-Existing Medical Conditions

• The plan offers a waiver for pre-existing medical conditions if the policy is purchased within a time-sensitive period (typically 24 hours after making the final trip payment).

What Is The Pre-Existing Condition Waiver And How Does It Work?

The pre-existing condition waiver is a feature available with the iTravelInsured Travel LX plan, allowing coverage for medical conditions that existed prior to purchasing the plan.

Normally, travel insurance policies do not cover pre-existing conditions, but this waiver enables travelers to receive coverage for medical expenses related to conditions that existed before their trip, as long as the plan is purchased within a time-sensitive period (typically 20 days from the initial trip deposit).

To qualify for this waiver:

• Purchase Timing: You must purchase the plan within the time-sensitive period after booking your trip (usually 20 days).
• No Disability to Travel: You cannot be disabled from travel at the time of purchasing the plan. This means that you should not be experiencing symptoms that prevent you from traveling.
• Proof of Condition: The waiver applies to conditions that are certified by a doctor, allowing coverage for related emergencies during your trip.

This waiver ensures that travelers with existing medical conditions are not excluded from coverage, providing peace of mind in case of an emergency during travel.

iTravelInsured Travel LX Insurance Additional Services

Non-Insurance Emergency Assistance Services

In addition to the comprehensive insurance coverage, iTravelInsured Travel LX provides 24/7 non-insurance emergency travel assistance services, such as:

• Emergency Travel Arrangements: Help with rebooking flights or accommodations if needed.
• Medical Referrals: Assistance in locating medical services or facilities.
• Lost Passport Assistance: Help replacing lost or stolen passports and other vital documents.
• Emergency Cash Transfer: Assistance in transferring emergency funds.
• Legal Assistance: Referrals for legal issues that may arise during travel.

Difference Between iTravelInsured Travel LX And Other Travel Insurance Plans?

The iTravelInsured Travel LX plan stands out from other travel insurance plans due to its extensive coverage, flexibility, and specialized benefits designed for luxury and adventurous travelers. Below are some key differences that set it apart:

1. Comprehensive Coverage for Luxury Travelers

• The iTravelInsured Travel LX plan is specifically designed for luxury travelers and those visiting remote or exotic destinations. It offers higher coverage limits and more inclusive benefits compared to standard travel insurance plans, such as up to $1,000,000 for medical evacuation and repatriation, which is significantly higher than many basic plans.

2. Optional Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) Coverage

• iTravelInsured Travel LX offers optional Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage, which allows travelers to cancel or interrupt their trips for reasons not typically covered by standard plans.
• This flexibility provides an added layer of peace of mind, especially for travelers who might need to change their plans unexpectedly. Most basic or even mid-tier plans don’t offer this level of flexibility, unless it’s a specialized product.

3. Higher Coverage Limits for Trip Interruptions and Delays

• Unlike standard travel insurance, iTravelInsured Travel LX offers 150% reimbursement for trip interruptions, whereas many other plans provide a lower rate, typically 100%.
• Additionally, the trip delay benefit of up to $250 per day (with a $2,500 maximum) is much higher than what is provided by standard plans, which often offer lower per-day reimbursement limits.

4. Specialized Benefits for Adventurous and Remote Travel

• iTravelInsured Travel LX includes Search and Rescue coverage up to $10,000 for travelers involved in outdoor activities or those in remote areas. This is not a common feature in more basic plans, which might only offer emergency evacuation for medical reasons.
• The plan also covers sports equipment rental and ski-related benefits (for those booking ski resorts during certain months), which are tailored for those pursuing adventurous travel activities.

5. Pet Coverage

• Many travel insurance plans do not offer specific coverage for pets, but iTravelInsured Travel LX includes coverage for pet kennel fees if a trip is delayed and pets need to stay longer, as well as trip cancellation or interruption benefits if a pet (including service animals) suffers an illness or injury.
• This feature is particularly beneficial for pet owners, offering a level of protection that basic travel insurance plans typically do not provide.

6. Baggage and Personal Effects Protection

• The plan offers $2,500 for baggage loss (with a $250 maximum per item), which is higher than many standard plans that typically provide much lower reimbursement for lost or stolen personal items.

7. Coverage for Political or Security Evacuation

• iTravelInsured Travel LX includes coverage for Political or Security Evacuations and Natural Disaster Evacuations, offering up to $50,000 per event.
• This level of coverage is especially useful for travelers visiting destinations with political instability or potential natural disasters, a feature that many standard plans do not offer.

8. Higher Coverage for Medical Expenses

• iTravelInsured Travel LX provides up to $500,000 for medical and dental expenses, which is significantly higher than the coverage limits of many entry-level or standard travel insurance plans, which typically cover much lower amounts.

Summary

While many travel insurance plans cover the basics like trip cancellation, delays, and medical emergencies, iTravelInsured Travel LX offers premium protection tailored for high-end travelers or those seeking more specialized coverage, such as luxury trip protection, adventure travel benefits, and higher coverage limits.

The added flexibility with CFAR/IFAR coverage and unique benefits like search and rescue and political evacuation make it an ideal choice for discerning travelers who require extensive, high-limit coverage during their trips.

How Much Does iTravelInsured LX Insurance Cost?

• Cost of iTravelInsured LX insurance depends on factors such as trip cost, trip length, and maximum coverage.

Choosing The Right Travel Insurance Plan

• Consider your travel plans and needs when choosing a plan.
• Look for a plan that covers pre-existing medical conditions and offers a pre-existing condition waiver.
• Consider the cost and coverage limits of the plan.

Why Choose iTravelInsured Travel LX?

• Comprehensive Coverage: The plan offers one of the most extensive travel insurance packages, covering everything from cancellations to medical emergencies and even search and rescue.
• Global Reach: Provides worldwide coverage, ideal for international travelers, especially those visiting remote areas or exotic destinations.
• Pet-Friendly: Includes specific benefits for pet owners, such as kennel fee reimbursement during delays.
• Medical Evacuation: Offers robust emergency medical evacuation coverage, including transportation to a hospital of choice.
• Flexibility: The option to add Cancel for Any Reason (CFAR) or Interruption for Any Reason (IFAR) coverage offers additional peace of mind.

Contact Us And Get A Quote For iTravelInsured Travel LX Insurance

Contact us to get a quote and purchase iTravelInsured Travel LX insurance plan.

Our licensed insurance agents are available to assist you with any questions or concerns.

Get a quote online or by phone today!

Conclusion

The iTravelInsured Travel LX plan provides an unparalleled level of protection for discerning travelers, offering comprehensive coverage for trip cancellations, medical emergencies, evacuation, delays, and more. Whether you’re exploring remote destinations, embarking on a luxury vacation, or traveling with pets, this plan ensures peace of mind with its extensive benefits. With options like Cancel for Any Reason and Interruption for Any Reason, it provides an extra layer of flexibility, making it a valuable choice for any trip. Don’t leave your travels to chance—choose iTravelInsured Travel LX for ultimate protection and support, wherever your journey takes you.

FAQs About iTravelInsured Travel LX

1. What does the iTravelInsured Travel LX plan cover?

The plan covers trip cancellations, trip interruptions, medical emergencies, evacuation, trip delays, rental car damage, baggage loss, and many other travel-related incidents.

2. How do I qualify for coverage?

You qualify by purchasing the plan and paying the premium before your trip begins. Coverage is activated according to the specific benefit you require.

3. Are pre-existing conditions covered?

Yes, if the plan is purchased within a specific period (usually within 20 days of booking your trip), pre-existing medical conditions are covered under the waiver provision.

4. Can I cancel my policy?

Yes, you can cancel the policy within 10 days for a full refund if no claims have been filed and the trip has not started.

5. Does the plan cover pet-related incidents?

Yes, the plan covers pet-related incidents, including trip cancellations or interruptions due to illness, injury, or death of a pet, as well as kennel fees if your trip is delayed.

6. What is the coverage for medical evacuation?

The plan provides up to $1,000,000 for emergency medical evacuation, ensuring you get the care you need and are transported to a hospital of your choice.

How do I file a claim with iTravelInsured Travel LX?

To file a claim with iTravelInsured Travel LX, follow these steps:

• Visit the Claims Portal: Go to the iTravelInsured claims page on the IMG website or use the MyIMG portal.
• Provide Documentation: Gather all necessary documentation to support your claim, such as medical records, proof of cancellation, receipts for non-refundable expenses, and any police or incident reports.
• Submit the Claim: Fill out the claim form, providing all relevant information about the incident. Attach the required supporting documents and submit your claim online.
• Claims Processing: Once your claim is submitted, the claims team will review your case and communicate with you regarding the status and any additional requirements.

Make sure to submit your claim as soon as possible, as delays may affect the outcome or reimbursement. For assistance, IMG’s customer service is available 24/7 to guide you through the process.