📌 Why Choose iTravelInsured Travel LX Insurance?
Ideal for international visitors to the U.S., Starting at just $28/day
iTravelInsured Travel LX is a primary coverage travel insurance plan offering the highest levels of benefits among all iTravelInsured plans, designed for elite, discerning travelers. Optional upgrades for Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) are available at an additional cost (not available in NY).
With iTravelInsured Travel LX, you can recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of covered reasons. As a primary coverage plan, it also provides direct payment for emergency medical treatment while you’re away from home, reducing paperwork and ensuring fast access to care. Additional benefits include coverage for travel delays, baggage delays, and other travel-related emergencies.
The Pre-Existing Condition Exclusion Waiver is available with the iTravelInsured Travel LX plan when purchased within 24 hours of your final trip payment. Eligible pre-existing medical conditions are covered, including conditions within the 60-day look-back period, ensuring you’re protected even for last-minute purchases.
⭐ iTravelInsured Travel LX Insurance Reviews
💎 Why IMG iTravelinsured LX Insurance Is the Top Choice for U.S. Travelers?
US residents, especially ones with high-deductible health plans (HDHPs), might not get sufficient protection during travel with regular health insurance. Thus, IMG’s iTravelinsured LX, a premium plan that comes with full medical and trip protection, is the one to be chosen by many travelers.
Top Primary Trip Cancellation Insurance for U.S. TravelersMost travel insurance plans are secondary, meaning you must first file a claim with your domestic health insurer. Not with iTravel LX.
iTravel LX offers Primary trip cancellation and interruption coverage, so IMG pays first, giving you:
- Faster and smoother claims
- No long back-and-forth with your domestic insurer
- Hassle-free reimbursements
📉 Why iTravel LX Is Ideal for U.S. Travelers With High Deductible Health Insurance?
If you rely on a high-deductible health plan (HDHP) at home, unexpected medical costs can add up quickly. iTravelnsured LX provides strong medical coverage and comprehensive trip protection with no medical deductible, so your coverage begins immediately, giving you peace of mind from the moment your plan is active perfect for seniors, families, and travelers with ongoing medical needs.
iTravel LX protects you with:- Trip cost coverage up to $150,000.
- Emergency medical coverage up to $500,000.
- Medical evacuation coverage up to $1,000,000.
- Search and rescue coverage up to $10,000.
- Lower out-of-pocket expenses while traveling.
- Peace of mind with strong primary benefits.
- Pre-existing condition coverage is available if purchased within 24 hours of your final trip payment.
- 60-day look-back period applies, meaning only the medical history in the 60 days before purchasing the plan is considered.
This combination ensures more travelers qualify for coverage, making it especially valuable for seniors, families, and travelers with ongoing medical conditions.
With IMG iTravel LX, You Get:- Primary trip cancellation & interruption
- Trip cost coverage up to $150,000
- Emergency medical & evacuation coverage up to $1,000,000
- Pre-existing condition coverage when purchased within 24 hours of final trip payment
- 60-day look-back period for pre-existing conditions
- Coverage from a trusted global travel insurance provider
- High-value protection for US residents
❓ Why Choose iTravelInsured Travel LX Travel Insurance?
iTravelInsured Travel LX is a luxury travel insurance plan for U.S. residents traveling domestically or worldwide, offering trip cost coverage up to $150,000 and primary coverage with no deductible, providing elite-level protection and peace of mind on every trip. This plan combines comprehensive medical protection, trip reimbursement options, and flexible benefits designed for discerning travelers:
- Primary Travel Insurance coverage: Pays eligible medical expenses directly, ensuring fast and hassle-free claims.
- No Medical Deductible: Travel insurance coverage starts immediately, so you’re protected from the moment your plan is active.
- Pre-Existing Condition Exclusion Waiver: Covered if purchased within 24 hours of your final trip payment, including eligible conditions within the 60-day look-back period.
- Rental Car Coverage: Damage and theft protection up to $40,000.
- Medical Evacuation & Repatriation of Remains: Coverage up to $1,000,000.
- Accident & Sickness Medical Expenses: Covered up to $500,000.
- Pet Care Coverage: Pet kennel benefit up to $100/day, maximum $500 per pet.
- Search & Rescue Benefit: Up to $10,000 per person.
- Optional Cancel For Any Reason (CFAR): Reimburses up to 75% of non-refundable trip costs.
- Flexible Purchase: Plan can be purchased up to one day before departure.
- 10-Day Free Look / Refund Option: Receive a full refund if canceled within 10 days of purchase, provided you haven’t departed or filed any claim.
Result: With iTravelInsured Travel LX, travelers enjoy direct medical payment, pre-existing condition protection, and elite-level trip coverage, making it a top choice for luxury, high-value, and adventure trips worldwide.
👤 Who Is Eligible to Buy iTravelInsured Travel LX Insurance?
- US residents on domestic and worldwide trips.
- Available for travelers up to 99 years.
- Maximum trip duration is 180 days.
❤ Are Pre-Existing Conditions Covered by iTravelInsured Travel LX?
- Yes. Pre-exisiting condition exclusion Waiver is covered if purchased within 24 hours of final trip payment.This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment..
- Pre-Existing Condition review period: 60 days prior to effective plan date.
⚕️ What Is a Pre-Existing Condition Waiver?
Pre-existing condition Waiver may provide coverage for some pre-existing medical conditions during the trip, if enrollment date timelines are met, and insured is not disabled from travel at the time premium is paid.🚢 What Does iTravelInsured Travel LX Cruise Insurance Cover?
iTravelInsured Travel LX Cruise Insurance the right choice for your cruise trip. It offers comprehensive coverage, including:- Cancelling your Cruise: Covers 100% of your trip cost.
- Getting injured or Sick: Emergency accident and sickness benefits up to $500,000.
- Missing the Boat: Coverage up to $500 per person.
- Medical Evacuation: Coverage up to $1,000,000.
- Trip Cost Coverage: The plan offers coverage for trips up to $150,000.
IMG Best Cruise Insurance for U.S. Travelers
❌ 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 or adoption.
- Divorce or legal separation.
- NOAA hurricane warning or watch at destination.
- A terrorist incident.
- Emergency military duty for a natural disaster.
- Evacuations due to national 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 Travel LX Insurance Cost?
iTravelInsured LX cost starts from $835 to $30,362 for 15 days trip duration.
- Traveler’s age
- Trip Duration
iTravelInsured Travel LX offers trip cost coverage up to $150,000.
For example here we are showing iTravelInsured Travel LX cost for 15 days duration of trip
| Age of traveler | $10,000 | $20,000 | $50,000 | $100,000 |
|---|---|---|---|---|
| 0 – 39 years | $835 | $2,626 | $6,562 | $13,122 |
| 40 – 49 years | $957 | $2,932 | $7,327 | $14,652 |
| 50 – 59 years | $1,101 | $3,224 | $8,057 | $16,112 |
| 60 – 69 years | $1,356 | $3,734 | $9,332 | $18,662 |
| 70 -74 years | $1,547 | $4,168 | $10,417 | $20,832 |
| 75 – 79 years | $1,959 | $5,172 | $12,927 | $25, 852 |
| 80 – 99 years | $2,344 | $6,0748 | $15,182 | $30,362 |
Source: AmericanVisitorInsurance®
✈️ What Does IMG iTravelInsured Travel LX Cover?
- 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 LX covers up to 100% trip cost.
- Travel Insurance for Flights - Whether the airline loses your bags, your flight gets delayed or cancelled, or a host of other unexpected issues, having travel insurance can provide financial protection when something goes wrong. iTravelInsured LX insurance covers Up to $250 per day per person($2,500 max per person).
- Cancel For Any Reason Insurance (CFAR) - Cancel For Any Reason coverage is a travel insurance benefit that allows you to get partially reimbursed for cancelling a trip for a reason not otherwise covered under your plan. You can quite literally cancel a trip for any reason, and still get some of your money back. iTravelInsured LX trip plan covers up to 75% of non-refundable trip cost.
- Travel Insurance for Pet Owners - We understand pets are like family, which is why we’ve designed some travel protection plans to include benefits specifically for pet owners. We also understand it's just as important to look out for your pets when you're not traveling, which is why we've partnered with Fetch, so you can give your dog or cat the care they need without ever worrying about the cost. This plan covers $100 per day with $500 maximum per pet.
- 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 LX trip cancellation insurance covers up to $1,000,000.
✈ Which Emergency Travel Services Are Covered by iTravelInsured LX?
After buying the Itravel insured LX trip protection insurance we get 24/7 access to IMG world class customer service while on your trip, including the following emergency travel assistance services designed to give global peace of mind.
- Emergency travel arrangements
- Medical referral
- Loss passport/travel document assistance
- 24 – hour medical monitoring
- Lost Luggage assistance
- Emergency cash transfer
- Legal referrals
- Emergency translations
- Emergency prescription replacement
✅ What Are the Plan Benefits of iTravelInsured Travel LX Insurance?
-
Trip Cancellation help Up to 100% of the non-refundable insured trip cost Trip Interruption help 150% of trip cost Travel Delay help Up to $250 per day per person($2,500 max per person) Change Fee help Up to $300 per person Frequent Traveler Reward Up to $75 per person Rental Car Damage and Theft Coverage help Up to $40,000 per covered vehicle Missed Trip Connection help Up to $500 per person Traveling Companion Bedside Companion Daily Benefit Up to $200 per day to a maximum of $1,000 per person Pet Kennel $100 per day ($500 max per pet) Medical Evacuation and Repatriation of Remains Benefit help Up to $1,000,000 per person Baggage and Personal Effects help $2,500 ($250 max per item) Replacement of Passport, Visa, or Other Travel Documents Included Sports Equipment Rental Up to $500 per day ($2,000 max per person) Baggage Delay help Up to $500 per person (after delay of 12 hours) Return Transportation Included Transportation of Children/Child Included Bedside Visit Transportation to Join You Included Hospital of Choice Included Search and Rescue Up to $10,000 per person Political or Security Evacuation and Natural Disaster Evacaution $50,000 -
Common Carrier Accidental Death help $100k Exposure Included Disappearance Included Accident & Sickness Medical and Dental Expense help Up to $500,000 per person Dental Expense Sublimit $1,000 per trip Coverage Type Primary
**These (CFER/IFAR) benefits can only be purchased at the time the base plan is purchased. These beefits are bundled together and cannot be purchased separately. Not available to NY residents.
🔐 What Is the Best Travel Insurance With Theft Gear Coverage?
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
❓ iTravelInsured Travel LX Insurance - FAQ's
Yes, one can cancel the IMG plan if there is no claim on the policy and if the traveler :
- Requests for cancellation is made within the 10 day free look period after buying the insurance
- Requests for cancellation before the start of the trip
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.
You compare the coverage differences between the three IMG plans IMG travel insurance Comparision
A pre-existing condition waiver is a benefit offered by some trip protection insurance plans. It may provide coverage for certain pre-existing medical conditions during the trip, provided enrollment deadlines are met and the insured is not disabled from traveling when the premium is paid.
Primary coverage means the Travel LX plan pays eligible medical expenses first, without requiring you to file a claim with any other insurance (such as your domestic health plan). This leads to faster claim processing, fewer steps, and less paperwork for the traveler.
Yes. Because it offers primary medical coverage, the plan can directly pay hospitals or medical providers for covered expenses, reducing or eliminating the need for upfront out-of-pocket payments.
Yes. The Travel LX plan includes a 10-day Free Look Period, allowing you to request a full refund within 10 days of purchasing the policy, as long as you have not started your trip and no claims have been filed. After the 10-day period, the plan becomes non-refundable.
Yes! Even if you have an HDHP at home, unexpected medical expenses while traveling can quickly add up. Plans like iTravelInsured Travel LX provide strong medical coverage and trip protection with no medical deductible, so coverage starts immediately. This ensures you’re protected from the moment your plan is active, giving peace of mind for seniors, families, and travelers with ongoing medical needs.
If you rely only on a High-Deductible Health Plan (HDHP), you may face very high out-of-pocket costs, since HDHPs often don’t cover international treatment or require you to meet a large deductible first. Travel insurance with primary medical coverage for example, iTravelInsured Travel LX available on American Visitor Insurance pays your eligible medical bills immediately, without requiring you to meet your HDHP deductible. This helps you avoid thousands in unexpected expenses.
The iTravelInsured LX insurance plan covers Cancel for any reason, Interruption for any reason, Trip Cancellation, Trip Interruption, Trip Delay, Baggage Loss and Theft, Rental Car Damage, Missed Trip Connection, Pet kennel, Search and Rescue, Accidental Death and Dismemberment, Repatriation of Remains, Accident and Sickness Medical and Dental Expenses, and more.
Yes, iTravelInsured Travel LX plan can cover stable pre-existing conditions like cancer if you qualify for its pre-existing condition waiver by purchasing the policy before your final trip payment and being medically fit to travel.
Learn more »
Yes. The Pre-Existing Condition Exclusion Waiver is available if you purchase your travel insurance within 24 hours of your final trip payment. This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.
🔔 Why Should I Buy IMG on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different IMG 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 IMG 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 IMG.
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 IMG claims should you need to use the insurance coverage while on your vacation.
📝 How Do I File a Claim With iTravelInsured LX Insurance?
To file a claim with iTravelInsured LX, 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
Need Assistance Choosing The Right Plan?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
🔗 Resourceful Links for IMG iTravelInsured Travel LX Travel Insurance
Blog
Read the article on trip protection cover offered by IMG Travel insurance plan.
Click here to read more »Travel Lite vs Travel SE vs Travel LX
Compare and review the plans benefits of IMG Trip Cancellation insurance plans
Click here to read more »🚫 What Are the Restrictions for iTravelInsured Travel LX Insurance?
- Optional Cancel for Any Reason (CFAR) is not available for residents of: MO, NY and WA. CFAR must be purchased within 20 days of initial trip deposit date.
- Optional Interruption for Any Reason (IFAR) is not available for residents of: MO, NY and WA. IFAR must be purchased within 20 days of initial trip deposit date.
- iTravelInsured Travel LX Insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
