iTravelInsured Travel Lite Insurance by IMG

A budget-friendly travel insurance plan that offers comprehensive coverage for trip cancellation, interruption, and medical expenses. It serves as secondary coverage and includes 24/7 travel assistance, making it ideal for travelers looking to safeguard their trip against unexpected events.

Yes, you can submit a cancellation request and receive a full refund within 10 days from the effective date of your coverage, as long as your trip departure date has not occurred and you have not filed a claim.

Here are some common exclusions for the iTravelInsured Travel Lite Insurance policy:

• Pre-existing medical conditions: Any medical condition that existed within 60 days prior to the effective date of the plan.
• War and terrorism: Losses due to war, invasion, acts of foreign enemies, hostilities, or warlike operations (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or any act of terrorism.
• Self-inflicted injuries: Any loss resulting from self-inflicted injury or suicide, whether the insured is sane or insane.
• Participation in professional sports: Injuries or losses sustained while participating in professional sports or any hazardous activities.
• Illegal acts: Any loss resulting from the insured's participation in illegal acts, including but not limited to the use of illegal drugs or driving under the influence of alcohol.
• Pregnancy and childbirth: Normal pregnancy, childbirth, or elective abortion.
• Mental health disorders: Any loss resulting from mental or nervous disorders, including but not limited to anxiety, depression, or stress.

The trip cancellation insurance coverage starts on the day following the purchase of the policy. The trip cancellation insurance plan will cover the traveler for factors such as trip cancellation even before the departure date of the trip.

No, the iTravelInsured Travel Lite plan does not cover pre-existing conditions.

The trip costs will include all non-refundable expenses such as the airline ticket costs, cruise expenses, hotel booking costs. In the event of an unplanned cancellation of the trip, these expenses which would otherwise be lost will be covered by the IMG trip cancellation plans.

No, the IMG plans are not renewable.

Trip cancellation coverage is available if the entire trip is cancelled even before the start of the trip (this is even before the trip start date). Trip interruption coverage is applicable only after the start of the trip. Trip interruption comes is applicable if the trip is cancelled for a valid covered reason after the start of the trip and here the insured traveler has to return to his/her home country.

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG travel Insurance’s Travel Delay benefit. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well. Benefits would apply to an insured traveler OR a travel companion.