TRAVEL PROTECTION
WITHOUT BOUNDARIES

Travel Insurance FAQ's

• What benefits are included in an iTravelInsured travel insurance plan?

  Travel Lite plan provides the following benefits:

  • Trip Cancellation 
  • Trip Interruption 
  • Travel Delay 
  • Baggage & Personal Effects 
  • Baggage Delay
  • Accident & Sickness Medical Expense
  • Emergency Medical Evacuation

  Travel SE plan provides the following benefits:

  • Trip Cancellation 
  • Trip Interruption 
  • Missed Connections
  • Travel Delay
  • Baggage & Personal Effects 
  • Baggage Delay
  • Change Fee
  • Reimbursement of Miles or Reward Points
  • Rental Car Damage - Optional Upsell
  • Accidental Death & Dismemberment (Common Carrier Only)
  • Accident & Sickness Medical Expense - Primary
  • Emergency Medical Evacuation

  Travel LX Plan provides the following benefits:

  • Trip Cancellation 
  • Trip Interruption 
  • Missed Connections
  • Travel Delay
  • Baggage & Personal Effects 
  • Baggage Delay
  • Change Fee
  • Reimbursement of Miles or Reward Points
  • Rental Car Damage
  • Cancel and Interrupt for Any Reason - when plan is purchased within 20 days of initial trip payment
  • Accidental Death & Dismemberment (Common Carrier Only)
  • Accident & Sickness Medical Expense - Primary
  • Emergency Medical Evacuation
  • Hospital of Choice
  • Non-Medical Emergency Evacuation
  • Search & Rescue

• When does insurance coverage begin?

  Trip Cancellation: Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this Policy is received by iTravelInsured, Inc. This is Your “Effective Date” and time for Trip Cancellation.

  All Other Coverages:  Coverage begins when You depart on the first Travel Arrangement (or alternate travel arrangement if You must use an alternate travel arrangement to reach Your Trip destination) for Your Trip. This is Your “Effective Date” and time for all other coverages, except Trip Cancellation.

• When does coverage end?

  Your coverage automatically ends on the earlier of: 1) the date Your Trip is completed; 2) the Scheduled Return Date; 3) Your arrival at Your return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of Your Trip covered by this Policy. Termination of this Policy will not affect a claim for loss that occurs after premium has been paid.

• What if a trip is longer than 90 days?

  The insured would have coverage for the first 90 consecutive days of a trip. Coverage would end at 12:01 a.m. on the 91^st day of the insured’s trip. Contact iTravelInsured to inquire about possible insurance options for trips longer than 90 days.

• What is a definition of a “Trip”?

  “Trip” means a scheduled trip for which coverage for Travel Arrangements is requested and the premium is paid prior to Your actual or Scheduled Departure Date of Your Trip.

• What perils are covered under the Trip Cancellation benefit?

  • Emergency Sickness, Injury or Death to You, a Family Member, a Travel Companion, a Business Partner or a Child Caregiver.
  • You or a Travel Companion are hijacked.
  • You or a Travel Companion are detained under quarantine.
  • You or a Travel Companion are summoned to serve on a jury or served with a court order  to appear as a witness in a legal action in which You  or Your Traveling Companion is not a party (except law enforcement officers);
  • Your home or the home of a Travel Companion is made Uninhabitable by fire, flood, burglary or a Natural Disaster.
  • A documented theft of Your passport or visa that prevents You from going on Your Covered Trip.
  • A permanent transfer of employment of 250 miles or more.
  • An automobile accident directly involving You or a Travel Companion, substantiated by a police report, while en route to a departure point for the Covered Trip.
  • Unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel.
  • Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You  are scheduled to travel.
  • Mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel.
  • A government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster.
  • You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war.
  • Involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year. 
  • A Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip.
  • Revocation of Your previously granted military leave or re-assignment due to war. 
  • Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You  purchased Your Travel Arrangements supplied by others) causing a complete cessation of travel services more than 10 days following Your Effective Date.
  • You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip.
  • Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster.
  • You, Your Traveling Companion or Family Member traveling with You is required to work during the Trip. *Available if policy is purchased within 20 days of initial trip payment.
  • A cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;
  • A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You  to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

  The Travel LX plan has additional perils that are not listed here. Please refer to the insurance certificate or contact Agency Services for a description of the additional coverage.

  *Complete details of coverage, terms, limitations and exclusions that may affect benefits are summarized in the certificate. Please read the certificate carefully and note all state exceptions that may apply.

• What is Common Carrier AD&D?

  This benefit covers for loss of life, limb or sight that is a direct result of a covered accident that occurs during a trip while the insured is entering, onboard, or exiting from a licensed Common Carrier (such as an airplane, a bus, a train, a ship, or a taxi) licensed for the transportation of passengers for hire.

  Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and all state exceptions that may apply.

• What events are covered under the Trip Interruption benefit?

  The perils protected against are listed in your policy and include various benefits available to you in the event you must interrupt your covered trip for a covered reason. These perils are similar to the trip cancellation perils except they provide coverage once you depart for your covered trip. The insured is reimbursed for unused non-refundable travel arrangements plus additional transportation costs to catch up to their trip or return home early.

• What does Baggage Delay cover?

  This benefit reimburses a specified amount for the purchase of emergency toiletries and clothing when an insured’s checked luggage is lost or delayed by the airline or other Common Carrier for 24 hours or more.

• Is loss of baggage covered?

  Baggage and personal possessions are covered up to the specified amount with the Travel SE and Travel LX plans. A maximum benefit of $250 per item applies.

  Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and all state exceptions that may apply.

• What are the stipulations to cancel my travel insurance coverage?

  If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following:  (a) 10 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date.  If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

• What does the Travel Delay benefit cover?

  Provides a daily benefit, up to a maximum benefit after a specified period for reasonable additional traveling expenses incurred because of a Travel Delay of a specified number of hours that results from:

  • Any delay of a Common Carrier (the delay must be certified by the Common Carrier);
  • A traffic accident in which You  or Your Traveling Companion is not directly involved (must be substantiated by a police report);
  • Lost or stolen passports, travel documents or money (must be substantiated by a police report);
  • Quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;
  • A documented weather condition preventing You from getting to the point of departure.

• Can I buy travel insurance after an incident has occurred?

  Only incidents that occur after your policy is in effect are considered.  Insurance does not cover events that are no longer unexpected or unforeseen.

• What is considered an Accident?

  An Accident is defined as a sudden, unexpected unusual specific event that occurs at an identifiable time and place, and shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

• Are there any coverage exclusions?

  Complete details of coverage exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all exclusions and state exceptions that may apply.

  iTravelInsured Lite
  iTravelInsured SE
  iTravelInsured LX

• Can the Pre-Existing Condition Exclusion be waived?

  The Travel SE and Travel LX plans offer a waiver.

  Travel SE Waiver:

  The exclusion for Pre-Existing Condition will be waived provided:

  1. Your Payment or Deposit for this Policy and enrollment form are received 20 days of the date Your initial Payment or Deposit for Your Trip is received and;
  2. You are not disabled from travel at the time Your premium is paid.

  Travel LX Waiver:

  The exclusion for Pre-Existing Condition will be waived provided:

  1. Your Payment or Deposit for this Policy and enrollment form are received within 24 hours of the date Your final Payment or Deposit for Your Trip is received and;
  2. You are not disabled from travel at the time Your premium is paid.

• How can a traveler get assistance while on a trip?

  If a traveler needs help with any travel emergency (from a lost passport to the need for medical care) please call one of the following numbers as soon as possible: (1) 866-243-7524 or (1) 317-655-9798 from outside North America.

  Travel assistance is available to travelers 24 hours a day, every day of the year, wherever they are in the world.