PRODUCTS

For more than a decade, iTravelInsured® has provided travel insurance to more than a million travelers worldwide. Our mission is to help travelers like you, protect their travel investment from the unexpected. We realize that traveling is an exciting experience, but anything can happen while you are away from home. Our specially designed travel insurance policy, paired with our world-class service, provides the coverage and confidence travelers need.
Rest assured that iTravelInsured is there with you, wherever your travels take you, delivering world-wide coverage, multilingual capabilities, international claims specialists and access to 24-hour emergency assistance service. That's Travel Protection Without Boundries, the iTravelInsured way.


Deluxe Travel Lodging Details

CoveragesMaximum Limits
Vacation Rental/Timeshare Exchange Cancellation$20,000.00
Vacation Rental/Timeshare Exchange Interruption$20,000.00
Baggage & Personal Effects$1,500.00
Rental Car Damage$40,000.00
10-Day Free LookYou can cancel your plan within 10 days of purchase when you have not filed a claim or departed on your trip.
Traveling CompanionsThis policy is per reservation, everyone staying at the rental under the covered reservation would be insured.
Trip Cancellation (What's Covered?)$30,000.00
Trip Interuption$37,500.00
Travel Delay($150 Per Day)$600.00
Missed Connection$500.00
Change Fee$50.00
Reimbursement of Miles or Reward Points$75.00
Baggage Delay$200.00
Accident & Sickness Medical Expense$30,000.00
Emergency Medical Evacuation$75,000.00
Common Carrier AD&D$50,000.00
Ticket Saver/Conference Registration Fee$500.00
Pre-Existing ConditionsCovered if purchased within 20 days of initial trip deposit.
ChildrenChildren Under 18 are included at no additional cost.

Coverages for Pre-Existing Medical Conditions

iTravelInsured offers a Pre-Existing Waiver for you and your traveling companions as long as your policy is purchased within 20 days of initial trip payment and you are medically able to travel at the time the policy is purchased.

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ITRAVELINSURED DELUXE TRAVEL LODGINGS

Trip Cancellation & Interruption - What's Covered?

Here are a few examples of covered trip cancellation and interruptions perils. Please note that the listed perils are not all applicable to both trip cancellation and interruption, for complete details click here to view the insurance policy, which will also be sent to you upon purchase.

  • Sickness, Injury or Death of Insured, a Family Member, a Travel Companion, a Business Partner or a Child Caregiver
  • Insured’s Primary Residence or Destination Uninhabitable
  • Documented Theft of Passports/Visas
  • Involved in a Merger, Job Loss or Job Relocation
  • Documented Traffic Accident
  • Unannounced Strike
  • Inclement Weather that Causes Cessation of Services Provided by Your Common Carrier
  • Mechanical breakdown of the Common Carrier
  • Natural Disasters, Mandatory Evacuations
  • Active Military Service
  • A Terrorist Incident Documented in a U.S. Travel Warning
  • Revoked Military Leave
  • Bankruptcy or Default of Travel Provider
  • NOAA Hurricane Warning at Destination
  • Subpoena
  • Jury Duty
  • Quarantine
  • Hijack
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World-Class Non-Insurance Emergency Assistance Services

iTravelInsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind®.

  • Emergency Travel Arrangements
  • Medical Referral
  • Lost Passport/Travel Documents Assistance
  • 24-Hour Medical Monitoring
  • Lost Luggage Assistance
  • Emergency Cash Transfer
  • Embassy or Consulate Referral
  • Legal Referrals
  • Emergency Message Relay
  • Emergency Translations
  • Emergency Prescription Replacement
(These Travel Assistance Services are offered by iTravelInsured and are not insurance benefits provided by United States Fire Insurance Company.)

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INSURANCE EXCLUSIONS AND LIMITATIONS

Benefits are not payable for any loss due to, arising or resulting from:

  1. Suicide, attempted suicide or any intentionally self-inflicted injury of You , a Traveling Companion, Family Member or Business Partner booked to travel with You , while sane or insane;
  2. An act of declared or undeclared war;
  3. Participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;
  4. Riding or driving in races, or speed or endurance competitions or events;
  5. Participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;
  6. Piloting or learning to pilot or acting as a member of the crew of any aircraft;
  7. Being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;
  8. The commission of or attempt to commit a felony or being engaged in an illegal occupation;
  9. Normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
  10. Dental treatment (except as coverage is otherwise specifically provided herein);
  11. Amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Declarations Page;
  12. Due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;
  13. Any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
  14. A loss or damage caused by detention, confiscation or destruction by customs;
  15. Complications from Elective Treatment and Procedures otherwise not payable under this Policy;
  16. Medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
  17. Failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements for reasons other than Bankruptcy or Default;
  18. Business, contractual or educational obligations of You , a Family Member, Business Partner, or Traveling Companion;
  19. A mental or nervous condition, unless hospitalized or Partially Hospitalized for that condition while the Policy is in effect for You;
  20. A loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Policy is not in effect for You;
  21. Bankruptcy or Default or failure to supply services by a supplier of travel services;
  22. Due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto;
  23. Diving while in an abnormal state of which You were aware and/or due to which You were disqualified or not entitled to engage in Diving;
  24. Diving as a professional diver other than as a Diving instructor, Dive master, underwater photographer, or while performing research under the auspices and following the guidelines of the American Academy of Underwater Sciences (AAUS);
  25. Diving in an area where Diving is forbidden.
  26. An assessment from a Legally Qualified Physician advising You in writing that You , a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip.
  27. Your arrival into a country for which a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department has been issued preceding Your arrival into that country on Your Trip, or if a country is an Excluded Country preceding Your arrival into that country on Your Trip.

PRE-EXISTING CONDITION EXCLUSION:

The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1)received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

WAIVER OF THE PRE-EXISTING CONDITION EXCLUSION:

Benefits are not payable for any loss due to, arising or resulting from:

  1. Your Payment or Deposit for this Policy and enrollment form are received within 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.

MEDICALLY FIT TO TRAVEL EXCLUSION:

The Company will not pay any expense as a result of You having been advised in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip. If Coverage for a Trip is purchased and it is later determined that You , a Traveling Companion, Family Member or Business Partner booked to travel with You were not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip, the Coverage is void and premium paid will be returned.
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