📌 Why Choose iTravelInsured Travel Lite Insurance?
The iTravelInsured Travel Lite travel insurance plan is ideal for budget-conscious travelers who are looking for affordable trip protection for their prepaid trip costs against trip cancellation and trip interruption. In addition, Travel Lite provides coverage for travel and luggage delays along with emergency travel assistance services.
The iTravelInsured Travel Lite plan offers secondary medical coverage, which means it reimburses medical expenses after any existing health insurance has processed a claim. This makes it a good option for travelers who already have a primary health plan but still want additional protection while traveling.
The iTravelInsured Travel Lite plan is rated “A” (Excellent) by AM Best and is underwritten by SiriusPoint America Insurance Company and United States Fire Insurance Company, offering trusted financial strength and reliable coverage.
⭐ iTravelInsured Travel Lite Reviews
❓ Why Choose iTravelInsured Travel Lite Travel Insurance?
iTravelInsured Travel Lite is a smart choice for budget-conscious travelers who want essential trip and medical protection while traveling domestically or internationally. This plan offers secondary medical coverage, helping you manage unexpected medical expenses in coordination with your existing health insurance.
Key benefits include:
- Trip Cost Coverage: Protect your prepaid trip costs up to $25,000.
- Secondary Medical Coverage: Covers eligible medical expenses after your primary health insurance pays.
- Pre-Existing Condition Review Period: Covers eligible conditions reviewed for 60 days prior to the plan’s effective date.
- Medical Evacuation & Repatriation: Coverage up to $500,000 for emergency transport.
- Accident & Sickness Medical Expenses: Covered up to $100,000.
- 24/7 Emergency Travel Assistance: Access non-insurance services for travel emergencies anytime.
- Flexible Purchase: Plan can be purchased up to one day before departure.
- 10-Day Free Look Period: Cancel within 10 days of purchase for a full refund if you haven’t started your trip or filed a claim.
👤 Who Is Eligible to Buy iTravelInsured Travel Lite Insurance?
- US residents on domestic and worldwide trips.
- Available for travelers up to 99 years.
- Maximum trip duration is 180 days.
✈️ What Are the Conditions Covered Under Trip Cancellation and Trip Interruption?
- Sickness, injury or death of insured, a family member, a travel companion, a business partner, a child caregiver, a service animal or pet.
- Insured’s primary residence or destination being rendered uninhabitable.
- Pregnancy, adoption, divorce, or legal separation.
- NOAA hurricane alert or terrorist incident at destination.
- Emergency military duty and evacuations for natural disasters.
- Mechanical breakdown of the common carrier.
- Inclement weather that causes delay or cancellation by your common carrier.
- Travel alert or travel warning for levels four (4) and higher or an evacuation order or travel ban.
💰 How Much Does iTravelInsured Lite Insurance Cost?
The iTravelinsured Lite insurance cost per month is starting at just $90 for 15 days duration.
- Traveler’s age
- Trip Duration
For example here we are showing iTravelinsured Lite travel insurance cost for $25,000 maximum coverage for a 15 days trip length and a trip cost of $3,000, $5,000, $10,000 and $20,000 respectively.
| Age of traveler | $3,000 | $5,000 | $10,000 | $20,000 |
|---|---|---|---|---|
| 0 – 39 years | $90 | $154 | $327 | $670 |
| 40 – 49 years | $117 | $199 | $426 | $878 |
| 50 – 59 years | $154 | $264 | $569 | $1,178 |
| 60 – 64 years | $188 | $328 | $708 | $1,470 |
| 65 – 69 years | $218 | $379 | $820 | $1,708 |
| 70 – 74 years | $262 | $459 | $993 | $2,070 |
| 75 – 79 years | $344 | $601 | $1,302 | $2,718 |
| 80 – 99 years | $421 | $740 | $1,601 | $3,348 |
🏥 What Are Some Examples of IMG iTravelInsured Travel Lite Plan Coverage?
- Trip Cancellation - Protect your financial investment in the event you have to cancel your trip. Having travel insurance with a trip cancellation benefit can help you to avoid losing the money you’ve invested in a trip you can no longer take. iTravelInsured Lite covers up to 100% trip cost.
- Medical Evacuation and Repatriation of Remains - It may provide coverage and assistance for an approved, medically equipped flight to return home, or the repatriation of mortal remains to the insured's primary residence country. iTravelInsured Travel Lite trip cancellation insurance covers up to $500,000 .
- Baggage Delay - It may pay benefits for luggage failing to arrive with the traveler after a set timeframe. iTravelInsured Travel Lite trip cancellation insurance covers up to $150 per person (after delay of 24 hours).
✅ What Are the Plan Benefits of iTravelInsured Travel Lite Insurance?
-
Trip Cancellation help Up to 100% of the non-refundable insured trip cost Trip Interruption help Up to 125% of trip cost Travel Delay help Up to $125 per day per person ($500 max per person) Medical Evacuation and Repatriation of Remains Benefit help Up to $500,000 per person Return Transportation Included Transportation of Children/Child Included Bedside Visit Transportation to Join You Included Accident & Sickness Medical and Dental Expense help Up to $100,000 per person Dental Expense Sublimit $1,000 per trip Coverage Type Secondary
🔔 Why Should I Buy iTravelInsured Travel Lite Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different iTravelInsured Travel Lite insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best iTravelInsured Travel Lite insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying iTravelInsured Travel Lite insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for iTravelInsured Travel Lite insurance claims should you need to use the insurance coverage while on your vacation.
❓iTravelinsured Travel Lite Insurance – FAQ's
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.
Travel Lite provides secondary medical coverage, which means it reimburses eligible medical expenses after your primary health insurance has processed the claim. This helps cover remaining costs such as deductibles, coinsurance, or expenses not fully paid by your primary insurance.
No. Secondary coverage works best for travelers who already have a primary health insurance plan, such as U.S. residents with domestic coverage, and want extra protection abroad.
No. Because it is secondary coverage, you usually need to submit the claim first to your primary insurance. Travel Lite reimburses eligible expenses after your primary insurance has paid./p>
Yes. Travel Lite includes a 10-day Free Look Period, allowing you to request a full refund if canceled within 10 days of purchase, provided your trip has not started and no claims have been filed. After 10 days, the plan becomes non-refundable.
📝 How Do I File a Claim With iTravelInsured Travel Lite Insurance?
To file a claim with iTravelInsured Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
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🔗 Resourceful Links for IMG iTravelInsured Travel Lite Travel Insurance
Blog
Read the article on trip protection cover offered by IMG Travel insurance plan.
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Compare and review the plans benefits of IMG Trip Cancellation insurance plans
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