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iTravelInsured/Insider
Planning a vacation can be an exciting endeavor. Regardless of where and why you’re traveling, it’s vital to ensure that you’re protected if something goes wrong. And this is why travel insurance is important.
In this review of Travel insurance travel insurance, a well-known name in the industry, we’ll share the company’s insurance offerings, look at premium costs, and let you know how to file a claim. We’ll also share a couple of comparisons between iTravelInsured and other reputable insurance companies.
Travel insurance plans from iTravelInsured
Travel insurance offers six primary plans: Travel Lite, Travel SE, Travel LX, Travel LX Basic, Travel Sport, and Travel Essential. Each plan has different coverage limits and various types of protection.
Here’s a look at what you’ll get with each plan:
Travel LiteTravel SETravel LXTravel LX BasicTravel SportTravel EssentialTrip cancellation100% of trip cost100% of trip cost100% of trip cost100% of trip cost100% of trip cost100% of trip costTrip interruption125% of trip cost150% of trip cost150% of trip cost150% of trip cost125% of trip cost125% of trip costCancel for Any ReasonN/AN/A75% of trip cost (must purchase within 20 days of trip deposit)N/AN/AN/AEmergency medical$100K (secondary coverage)$250K (primary coverage)$500K (primary coverage)$500K (primary coverage)$250K (secondary coverage)N/APre-existing condition No coverage (look-back period of 60 days)Covered if purchased within 20 days of trip depositCovered if policy purchased before final trip paymentCovered if policy purchased before final trip paymentCovered if purchased within 21 days of trip depositCovered if purchased within 21 days of trip depositMedical evacuation, repatriation$500K$500K$1 million$1 million$1 millionN/ATravel delay$500 ($125 daily limit), for 12+ hour delays$2K ($125 daily limit), for 12+ hour delays$2.5K ($250 daily limit), for 6+ hour delays$2.5K ($250 daily limit), for 6+ hour delays$5K ($250 daily limit), for 6+ hour delays$2K ($250 daily limit), for 12+ hour delaysBaggage delay$150, covered after 24-hour delay$250, for 12+ hour delays$500, for 12+ hour delays$500, for 12+ hour delays$750 ($100 daily limit) for 9+ hour delaysN/ABaggage & personal items loss$750, $250 per item$1.5K, $250 per item$2.5K, $250 per item$2.5K, $250 per item$3K, $250 per itemN/AMissed connectionN/A$500, for 6+ hour delays$500, for 3+ hour delays$500, for 3+ hour delaysN/AN/AAccidental death & dismembermentN/A$25K$100K$100K$25KN/A
Determining which of these plans will best suit your needs will depend on your budget and which coverages matter most to you.
For example, the Travel LX plan offers the highest coverage limits but will also cost the most. In comparison, the Travel Lite plan is designed for budget-conscious travelers. Its coverage limits are lower than the other plans, but you’ll also pay less for your policy.
In addition to these six primary plans, iTravelInsured offers the following plans designed specifically for a specific type of traveler or group:
Multi-trip travel medical insurance plansTravel medical insurance for missionaries and seniorsMedical insurance for students in a cultural exchange or study abroad programInternational health insurance plans
Additional coverage options from iTravelInsured
Travel insurance only offers two optional add-ons to its top-tier Travel LX plan. These include CFAR (cancel for any reason) and IFAR (interruption for any reason) coverage. And these add-ons must be purchased within 20 days of the initial trip deposit.
How much does travel insurance from iTravelInsured cost?
To get a quote from Travel insurance, you can either go directly to its website or use an insurance aggregator like Squaremouth to compare your options more easily.
You’ll be asked to provide personal information, like your age and state of residence, along with trip-specific information, like trip costs, travel dates, and destination.
After entering your details, you’ll get an instant quote for the insurance plans available for your trip.
We ran some simulations to provide real-life examples of the costs associated with a travel insurance policy from iTravelInsured.
For the first example, we looked at premiums for a 45-year-old female living in Alaska, taking a two-week trip to Belize and spending $4,000 on the trip. The price ranges from around $90 to $417, depending on the level of coverage chosen.
Those prices represent between 2.25% and 10% of the total trip cost, which is a wide range. However, they’re still somewhat in line with industry averages of travel insurance rates: 4% to 8% of total trip costs.
For the next example, we looked at the the costs for the six different iTravelInsurance plans for a 30-year-old California resident traveling by plane to Iceland for two weeks. The trip cost is set at $6,000. The plan rates range from $136.35 to $529.94.
In the last example, we looked for coverage for a 55-year-old resident of Delaware traveling by plane to the United Kingdom for two weeks with a trip cost of $8,000.
In this example, the price for coverage ranges from about $203 to $1,041, with the Travel Essential plan being the least expensive and the Travel LX plan being the most costly. That makes sense, though, because you’ll get far more coverage with the LX plan than the Essential one. Though these prices are a bit outside of industry averages when looking at the lowest tier and top-tier plans, which range from 2.5% to 13% of total trip costs.
From these examples, you can see that the cost of coverage increases as the age of the traveler increases. Though that’s completely normal regardless of which insurance provider you’re dealing with.
How do I file a claim with iTravelInsured?
Claims with iTravelInsured will be handled through its claims center. You can contact customer service or the claims center 24 hours a day at 866-347-6673 or 1-866-243-7524, respectively.
Claims forms and information can be mailed to:
IMG iTravelInsured Claims
PO Box 3231
Farmington Hills, Michigan 48333-3231
You can also email claims to itravelclaims@imglobal.com.
Compare iTravelInsured vs AIG Travel Guard
We’ll look at a couple of different plans from both Travel insurance and AIG Travel Guard to compare and contrast the coverage between the two companies.
We’ll start with iTravelInsured’s Travel Essential and AIG’s Essential plans.
AIG’s Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, and up to $100 per day ($500 total) for delays of 12 or more hours, and coverage for lost or delayed baggage.
In comparison, iTravelInsured’s Travel Essential offers trip cancellation coverage of 100% of the trip cost, $0 of emergency medical evacuation coverage, up to $2,000 (with a $250 daily limit) for trip delays of 12+ hours, and no lost or delayed baggage coverage.
So in this instance, it’s pretty easy to decipher the main differences between these plans. And to see that you’ll get much better coverage with AIG’s Essential plan.
Now we’ll look at both of the highest-tier plans from each provider.
AIG’s Deluxe plan, the highest-tier option, provides trip cancellation coverage of up to $150,000, emergency medical evacuation coverage of up to $1,000,000, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.
iTravelInsured’s Travel LX plan provides trip cancellation coverage of 100% of the trip cost, up to $1,000,000 in emergency medical evacuation, up to $2,500 with a $250 daily limit )reimbursement for travel delays of 6+ hours, and relatively high limits on coverage for delayed or lost baggage.
In this instance, the Travel LX policy provides superior coverage. But it’s important to always get quotes for your particular situation to find the policy that best fits your needs and budget.
Read more: AIG Travel guard insurance review
Compare iTravelInsured vs Allianz travel insurance
Both Travel insurance and Allianz Travel Insurance offer various plans with varying levels of coverage designed for different types of travelers. These include single-trip plans and policies covering those who take multiple trips per year.
Allianz’s most popular single-trip option is the OneTrip Prime plan, which offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.
iTravelInsured’s most popular plan is the Travel SE plan, which provides trip cancellation coverage of 100% of trip costs, trip interruption coverage of 150% of trip costs, emergency medical coverage for $250,000 (primary coverage), coverage for baggage loss, theft, or damage up to $1,500 ($250 per item), and up to $2,000 ($125 daily limit) in travel delay coverage for delays of 12+ hours. Overall, it offers more coverage than Allianz in this example.
Again, it’s best to compare quotes using your personal and trip details to determine which policy is the best for you. Various factors will determine the final cost of any of these policies.
Read more: Allianz travel insurance review
Compare iTravelInsured vs credit card travel insurance
If you have a travel rewards credit card, check its insurance coverages before purchasing a travel insurance plan from Travel insurance or another company. That way, you won’t be paying twice for coverage you might already have! Some basic insurance coverages, like primary rental car insurance, are offered through many travel rewards credit cards.
It’s worth considering whether the coverage offered through your credit cards is primary or secondary. Secondary coverage will only kick in after any other relevant travel insurance policies you have. And note that insurance provided through a credit card likely won’t cover medical issues, just things like trip and baggage delays.
Once you’re clear on the coverage you have through your credit cards, you can purchase travel insurance to fill in the gaps.
Methodology
We looked at a variety of factors in reviewing the travel insurance plans offered by Travel insurance. We also compared them to plans offered by other reputable travel insurance companies. And considered things like coverage limits, premiums costs, available add-ons, and more.
Because the costs and available coverage depend primarily on the specific traveler’s personal and trip details, it’s best to compare a number of different options to determine which fits your needs. That way you’ll know you’re getting the right amount of coverage that aligns not only with your needs but with your budget, also.
iTravelInsured frequently asked questions (FAQ)
Is iTravelInsured legit?
Yes, the iTravelInsured travel insurance plans are legitimate plans offered through IMG. IMG (International Medical Group) has been around since 1990 and specializes in travel insurance.
Does iTravelInsured cover COVID-19?
Select iTravelInsured plans offer coverage for COVID, including the Travel LX plan and the Patriot Platinum Travel Medical Insurance and Patriot America Plus medical insurance plans. Be sure to read the fine print of your policy before assuming it offers COVID coverage.