IMG

International Medical Group Travel Lite Insurance

Travel Lite Insurance Cost, itravelinsured Travel Lite travel insurance

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Travel Lite Insurance that covers Covid Quarantine

  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay which is $2,500/$250 per person per day and is included in the basic coverage.
  • US Residents on domestic and worldwide trips.
  • This plan offers Trip Cancellation up to 100% of the non-refundable insured trip cost.
quarantine coverage

Travel Lite insurance

The Travel Lite Travel Insurance Plan is ideal for the budget conscious travelers who is looking for inexpensive trip protection coverage for the invested trip cost against trip cancellation and trip interruption. iTravelInsured Travel Lite Insurance also offers coverage for travel and luggage delay along with emergency travel assistance services.
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International Medical Group’s Travel Lite Insurance plan summary

  • US Residents on domestic and worldwide trips
  • Inexpensive coverage for trip cancellation & interruption
  • Maximum trip duration: 180 days
  • Maximum age insured: 99 years
  • Pre-Existing Condition Exclusion Waiver: Not Available
  • Pre-existing condition review period: 60 days
  • Premium refund: if cancelled within 10 days from the plan effective date, as long as your trip departure date has not occurred and you have not filed a claim.
  • Minimum trip cost to be insured: $200
  • Coverage type: Secondary
trip protection

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Plan benefits of Travel Lite insurance

Trip Protection Benefits
Trip Cancellation Up to 100% of insured trip cost
Trip Interruption Up to 125% of insured trip cost per person
Travel Delay $500 ($125 per day after an inital delay of 12 hours)
Medical Evacuation and Repatriation of Remains Benefit Up to $500,000 per person
Baggage and Personal Effects $750 ($250 max per item)
Replacement of Passport, Visa, or Other Travel Documents Included
Baggage Delay Up to $150
Accident & Sickness Medical and Dental Expense Up to $100,000 per person
Dental Expense Sublimit $1,000 per trip
Coverage Type Excess

special-coverageTravel Lite Insurance Restrictions

  • Not Available for Addresses from the Following U.S. States/Territories: New York (NY).
  • Not available if Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK), Syria (SYR) & Venezuela (VEN).

iTravelInsured Trip Insurance - Frequently asked questions

When does the insurance coverage start on the iTravelInsured trip insurance plan?

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

Do these iTravelInsured trip plans cover the traveler if infected by Covid?

If the traveler becomes ill with the Covid19 virus while they are insured, it will be covered like any other sickness. Along with trip costs and any eligible medical expenses, Covid19 related Quarantine expenses may also be covered if required by the concerned authority. Please refer to the policy documents for the detailed coverage benefits.

Does iTravelInsured cover the Covid19 vaccination?

iTravelInsured plans do not cover COVID19 vaccinations since all preventive care is not covered. However it will cover COVID-19 treatment as any other eligible sickness if Covid19 infection happens after the policy is effective. Please see the policy document for more details.

Who is eligible to buy the iTravelInsured Plans offered by International Medical Group (IMG)?

All US citizens and US residents are eligible to buy iTravelInsured trip cancellation plans. They can buy these trip cancellation plans for travel both within the US as well as outside the country.

Can one cancel the iTravelInsured trip plan ?

Yes, one can cancel the iTravelinsured plan if there is no claim on the policy and if the traveler :

  1. Requests for cancellation is made within the 10 day free look period after buying the insurance
  2. Requests for cancellation before the start of the trip

What does the trip cost include ?

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 iTravelInsured trip cancellation plans.

Can I renew or extend my iTravelInsured trip plan ?

No, the iTravelInsured plans are not renewable.

Do iTravelInsured plans cover pre-existing conditions?

The pre-existing conditions coverage varies depending on the iTravelInsured plan.

  1. The iTravelInsured Lite plan does not cover Pre-existing conditions
  2. The iTravelInsured SE plan covers pre-existing conditions if the insurance is bought within 20 days of the initial trip deposit
  3. The iTravelInsured LX plan covers pre-existing conditions if the insurance is bought within 24 hours of trip payment.

Do iTravelInsured plans cover cancel for any reason (CFAR)?

Only the iTravelInsured LX plan offer Cancel for any reason (CFAR). The iTravelInsured Lite and iTravelInsured SE plans provide trip cancellation only for covered reasons.

What are the differences between Trip Cancellation and Trip Interruption benefits?

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 (unless you have the Travel LX plan which covers CFAR), after the start of the trip and here the insured traveler has to return to his/her home country.

What are the coverage differences between the different iTravelInsured plan options - Lite, SE, and LX ?

You compare the coverage differences between the three iTravelInsured plans iTravelInsure Comparision

If a traveler contracts COVID-19 after starting the trip and must quarantine, would he/she qualify for both quarantine and interruption benefits?

There isn’t a specific “quarantine” benefit, but benefits could apply under both IMG ItravelInsured Insurance’s Trip Interruption and Travel Delay benefits. Trip interruption would generally reimburse for the prepaid, unused, nonrefundable elements of the trip that are lost. 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.

Do your trip insurance plans cover the cost of additional accommodation for an individually-ordered quarantine?

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG ItravelInsured 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.

How does one get the Quarantine Reimbursement from Travel Insurance?

Travelers can download the IMG Trip insurance claims forms for quarantine reimbursement. Instructions regarding required documentation are listed on the first page of each form. (The forms vary depending on the type of loss being claimed).

If a traveler needs to further quarantine after completing the required isolation for COVID-19? Will the travel insurance cover it?

If the traveler is required to quarantine as per the terms of coverage, benefits would be extended for up to 5 days after the period of quarantine ends (per the guidelines provided by our underwriter).

If a traveler needs to quarantine while waiting for a COVID-19 screening test result, will the travel insurance cover it?

If required to do so as per the terms of coverage. Note that the policy defines quarantine as follows: Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, ,Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

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