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Compare trip plans from iTravelInsured, Travel lite vs Travel SE vs Travel LX

iTravelInsured offers a three travel insurance plans for different traveler requirements. iTravelInsured travel insurance provides coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay The ITravelLX plan even as the cancel for any reason benefit where the insured can get up to 75% of the trip expenses for trip cancellation. Compare the different iTravelInsured Travel plan benefits at Compare iTravelInsured Travel Insurance

Compare iTravelInsured Trip Plans from International Medical Group

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Lite   SE    LX 
Travel Lite
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Travel SE
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Travel LX
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Plan Maximum, deductible & Coverage
Trip Cancellation* Up to 100% of insured trip cost Up to 100% of insured trip cost Up to 100% of insured trip cost
Trip Interruption Up to 125% of insured trip cost per person Up to 150% of insured trip cost per person Up to 150% of insured trip cost per person
Cancel for Any Reason (CFAR)** Not Covered Not Covered 75% of non-refundable insured trip cost (An additional cost applies if CFAR is selected)
Trip Interruption For Any Reason (IFAR)** Not Covered Not Covered 75% of non-refundable insured trip cost(An additional cost applies if IFAR is selected.)
Trip Delay Up to $125 per day per person($500 max per person) Up to $125 per day per person($500 max per person) Up to $250 per day per person($1,000 max per person)
Change Fee Not Covered Up to $150 per person Up to $300 per person
Frequent Traveler Reward Not Covered Up to $75 per person Up to $75 per person
Rental Car Damage and Theft Coverage Not Covered Up to $40,000 per covered vehicle Up to $40,000 per covered vehicle
Missed Trip Connection Not Covered Up to $125 per day($500 max per person) Up to $125 per day($500 max per person)
Traveling Companion Bedside Companion Daily Benefit Not Covered Not Covered Up to $200 per day($1,000 max per person)
Pet Kennel Not Covered $100 per day($300 max per pet) $100 per day($500 max per pet)
Medical Evacuation and Repatriation of Remains Benefit Up to $500,000 per person Up to $500,000 per person Up to $1,000,000 per person
Return Transportation Included Included Included
Transportation of Children/Child Included Included Included
Bedside Visit Transportation to Join You Included Included Included
Hospital of Choice Not Covered Not Covered Included
Search and Rescue Not Covered Not Covered Up to $10,000 per person
Political or Security Evacuation and Natural Disaster Evacaution Not Covered Not Covered $50,000 per event per person

 Protection for your belongings

Baggage and Personal Effects $750($250 max per item) $1,500($250 max per item) $2,500($250 max per item)
Replacement of Passport, Visa, or Other Travel Documents Included Included Included
Sports Equipment Rental Not Covered Not Covered Up to $500 per day($2,000 max per person)
Baggage Delay Up to $150 Up to $250 Up to $500

 Accident death and dismemberment

Common Carrier Not Available $25,000 $100,000
Exposure Not Available Not Available Included
Disappearance Not Available Not Available Included

 Travel Insurance

Accident & Sickness Medical and Dental Expense Up to $100,000 per person Up to $250,000 per person Up to $500,000 per person
Dental Expense Sublimit $1,000 per trip $1,000 per trip $1,000 per trip
Coverage Type*** Excess Primary Primary
Underwriter Travel Lite Insurance Underwriter
Underwritten by United States Fire Insurance Company
Travel SE Insurance Underwriter
Underwritten by United States Fire Insurance Company
Travel LX Insurance Underwriter
Underwritten by United States Fire Insurance Company
Rating Travel Lite Insurance Rating
AM Best Rating: "A"(Excellent)
Travel SE Insurance Rating
AM Best Rating: "A" (Excellent)
Travel LX Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details
*The trip cancellation benefit is determined by the amount of your trip you elect to protect, up to the maximum benefit stated above.

**You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit. Cancel for Any Reason benefit does not cover the failure of the travel supplier to provide the bargained for travel arrangements due to cessation of operations for any reason. You must cancel your trip two days or more before your scheduled departure date. An additional cost will apply.

***Excess insurance: Shall be in excess of all other valid and collectible insurance or indemnity.

itravel trip insurance for Covid illness

Will the iTravel plans offer protection of loss of trip costs due to a positive COVID test prior to traveling (person may be asymptomatic) since the person is unable to travel? (The policy mentions "sickness" but this may not be a debilitating illness, but it does prevent travel)
Will the iTravel plans offer protection should the person test positive during their trip at any time?
COVID-19 is treated the same as any other sickness for purposes of all coverage that are triggered by sickness or that can reimburse losses resulting from a sickness including death caused by sickness. Depending on the Plan Design, this can include but is not necessarily limited to the following (including the sub-benefits of many of these):
  • Trip Cancellation,
  • Trip Interruption,
  • Accident and Sickness Medical Expense;
  • Emergency Medical Evacuation / Medical Repatriation / Return of Remains

Regardless of the terms of the Plan, United States Fire Insurance Company has made the administrative decision to allow for coverage to be extended for the entire duration of a COVID-19 related quarantine, and coverage will be extended for five additional days following the end of the quarantine provided the travelers have not arrived back in their return destination city.

If the travelers incur additional hotel or meal expenses solely due to a quarantine, they will not receive any reimbursement under the Trip Interruption coverage either. Trip Interruption coverage may include a provision that provides reimbursement for additional hotel nights and meals (among other expenses) if the travelers cannot continue travel due to a sickness that does not cause them to need to be hospitalized. Please note that the travelers would actually need to be sick, as certified by a Legally Qualified Physician (as defined by your Plan), for this to apply if this provision is in their Plan.

However, when included in a Plan Design, the Travel Delay and Missed Connection coverages may be able to reimburse additional meal and hotel expenses incurred solely due to a quarantine (subject to the terms and conditions of the applicable coverage).

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Travel insurance resources

Travel insurance resources

International travel insurance resources for travel outside your home country. Know more
Factors for travel insurance

Factors for travel insurance

Important factors to consider while deciding on the best Travel insurance. Know more
Types of travel insurance

Types of travel insurance

Different US travel insurance options, fixed benefits vs comprehensive coverage.Know more

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