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It can be exciting to plan a vacation. It doesn’t matter where you are traveling or why, it is important to be protected in the event of an emergency. This is why Travel insuranceImportant.
This review will examine iTravelInsuredTravel insurance is a well-known brand in the industry. We will share the company’s insurance offerings, examine premium costs, and show you how to file for a claim. We will also compare iTravelInsured with other reputable insurance providers.
Website of iTravelInsured
Pros & Cons
Highlights
Additional Reading
Travel insurance plans available from iTravelInsured
iTravelInsured offers six primary plans: Travel Lite, Travel SE, Travel LX, Travel LX Basic, Travel Sport, and Travel Essential. Each plan provides different protection options and covers different amounts.
Let’s take a look at the benefits of each plan.
The best plan for you will depend on what coverages are most important to you and your budget.
Travel LX plans, for instance, offer the best coverage limits and the highest cost but are also the most expensive. The Travel Lite plan, on the other hand, is for budget-conscious travellers. The coverage limits of the Travel Lite plan are lower than those offered by other plans. However, you will pay less for your policy.
These six plans are not the only ones offered by iTravelInsured. iTravelInsured also offers these plans for groups or individuals:
- Multi-trip travel insurance plans
- For seniors and missionaries, there is travel medical insurance.
- Students enrolled in study abroad programs or cultural exchanges may be eligible for medical insurance.
- International insurance plans
Additional coverage options are available at iTravelInsured
iTravelInsured only offers two optional add-ons to its top-tier Travel LX plan. These include CFAR(cancel for whatever reason) and IFAR coverage. These add-ons can only be purchased within 20 business days of your initial trip deposit.
How much does travel insurance with iTravelInsured run?
Get a quote by iTravelInsuredYou can either visit the company’s website directly or use Squaremouth, an insurance aggregator, to help you compare your options.
You will need to give personal information such as your name and address, along with trip-specific information such as trip costs, travel dates, destination, and other details.
Once you have entered your details, you will receive an instant quote on the insurance options available for your trip.
To show you real-life examples of how much a policy from iTravelInsured would cost, we ran simulations.
The first example is a 45-year old female living in Alaska who takes a two-week trip into Belize and spends $4,000 on it. Depending on the coverage selected, the price can range from $90 to $417.
These prices are between 2.25% to 10% of the total trip costs, which is quite a large range. They are however somewhat within the range of Industry averages for travel insurance rates4% to 88% of the total trip costs
We next looked at the costs of the six iTravelInsurance options for a California resident who is 30 years old and intends to travel by plane to Iceland for 2 weeks. The trip costs are $6,000. Plan rates vary from $136.35 up to $529.94
In the previous example, we searched for coverage for a 55-year old Delaware resident traveling by plane to the United Kingdom. It cost $8,000.
The price of coverage ranges between $203 and $1,041, with Travel Essential being the most expensive and Travel LX being the most expensive. The LX plan offers more coverage than the Essential, so it makes sense. Although these prices are not as high as industry averages, they still represent a significant portion of the total trip cost for both top-tier and lower tier plans. They range from 2.5% to 13%.
These examples show that coverage costs increase with age. This is normal, regardless of the insurance company you are dealing with.
How can I file a claim for iTravelInsured
Claims for iTravelInsured will only be dealt with through its Customer Service. Center for Claims. Customer service and the claims center are available 24 hours a days at 866-347-66673 or 1-866-243-7524.
You can mail information and forms for claims to:
IMG iTravelInsured Claims
PO Box 3231
Farmington Hills, Michigan 48333-33231
You can also email claims to itravelclaims@imglobal.com.
Compare iTravelInsured vs AIG Vacation Guard
We’ll take a look at some of the different plans available from each. iTravelInsuredAnd 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 cancellations up to $100,0000, up to $150,000 for emergency medical evacuation expenses, up to $100 per hour ($500 total) for delays exceeding 12 hours and coverage for lost and delayed baggage.
iTravelInsured’s Travel Essential, on the other hand, offers trip cancellation coverage for 100% of the trip costs, $0 of emergency evacuation coverage, up $2,000 (with a $250 per day limit), for trip delays of 12+ hour, and no lost/delayed baggage coverage.
This makes it easy to identify the key differences between the plans. AIG’s Essential plan will give you much more coverage.
Let’s now examine the two highest-tier plans offered by each provider.
The AIG Deluxe plan is the most expensive option. It provides trip cancellation coverage up to $150,000, emergency evacuation coverage up to $1,000,000, up $200 per day ($1,000 maximum), reimbursement for travel delays exceeding 12 hours and baggage coverage.
iTravelInsured’s Travel LX Plan provides trip cancellation coverage up to 100%, up to $1,000,000 for emergency medical evacuation and up to $2,500 per day for travel delays up to 6+ hours. There are also high limits on baggage coverage for lost or delayed luggage.
The Travel LX policy offers superior coverage in this case. It is important to get quotes tailored to your situation in order to determine the best policy for you.
Continue reading: AIG Travel Guard Insurance Review
Compare iTravelInsured vs Allianz.
Both iTravelInsuredAnd AllianzDifferent types of travelers can choose from different plans that offer different levels of coverage. These plans include policies that cover multiple trips each year as well as single-trip policies.
OneTrip Prime is Allianz’s most popular single trip option. It offers trip cancellation coverage up up to $100,000, trip interruption coverage of up to $150,000 and emergency medical coverage up for $50,000. You also get coverage for baggage theft or damage up up to $1,000, as well as coverage for travel delays up to $800.
The most popular plan offered by iTravelInsured is the Travel SE plan. This plan provides trip cancellation coverage up to 100%, trip interruption coverage up to 150%, and emergency medical coverage up to $250,000 (primary). It also covers baggage loss or theft up to $1500 ($250 per item) and travel delay coverage up to $2,000 ($125 per day limit). It offers greater coverage than Allianz for this example.
To help you choose the best policy, compare quotes using personal and trip information. The final cost of any policy will depend on many factors.
Continue reading: Allianz travel insurance review
Compare iTravelInsured vs. Credit card travel insurance
If you are a Travel rewards credit cardBefore you purchase travel insurance, make sure to check the coverages. iTravelInsuredOr another company. This will ensure that you don’t have to pay twice for the same coverage you may already have. Basic insurance coverages include Insurance for primary rental carThese are available through many travel reward credit cards.
Consider whether your credit card coverage is primary or secondary. Secondary coverage can only be added after the expiration of any travel insurance policies. Also, note that credit card insurance will not cover medical problems.
Once you’re confident about your credit card coverage, you can get travel insurance to help fill in the gaps.
Methodology
When reviewing the available travel insurance plans, we looked at many factors. iTravelInsured. We also compared them with plans offered by other reputable insurance companies. We also looked at coverage limits, premiums cost, add-ons available, and many other things.
Costs and coverage are dependent on individual details such as trip details and traveler. Therefore, it is a good idea for travelers to shop around to find the best option. You’ll be able to determine if you’re getting enough coverage to meet your needs, as well as your budget.
Frequently Asked Questions (FAQs) from iTravelInsured
Yes, the iTravelInsured plans for travel insurance are valid plans offered by IMG. IMG (International Medical Group), which specializes in travel insurance, has been around since 1990.
Some iTravelInsured policies offer COVID coverage. These include the Travel LX plan, Patriot Platinum Travel Medical Insurance and Patriot America Plus Medical Insurance Plans. Before you believe your policy provides COVID coverage, be sure to carefully read the fine print.
