- What benefits are included in an iTravelIinsured program?
Perfect and Elite Plans provides the following benefits:
- Trip Cancellation
Baggage & Personal Possessions
Emergency Medical/Dental Expense
Emergency Medical Evacuation/Repatriation
Emergency Reunion or Return of Mortal Remains
Common Carrier AD&D
Plan covers trip cancellation, trip delay, and
baggage delay only
As a benefit of membership in the National Small Business Travel & Health Association
(NSBTHA), all three plans also include certain emergency assistance services (these are not insurance benefits)
that are also available while traveler is on a trip, such as:
- Emergency Travel Arrangements
- Lost Passport/Travel Documents Assistance
- Lost Luggage Assistance
- Embassy or Consulate Referral
- Emergency Message Relay
- Emergency Prescription Replacement
- Medical Referral
- 24-Hour Medical Monitoring
- Emergency Cash Transfer
- Legal Referrals
- Emergency Translations
When does insurance coverage begin?
Upon our acceptance of the insured's application and payment of the full program cost,
coverage for the trip cancellation benefit begins at 12:01 a.m. on the day after
we receive the insured's applcation. Coverage for all other benefits (Trip Interruption,
Baggage, Travel Delay, Baggage Delay, etc.) begins on the scheduled date and time
the insured begins the covered trip.
When does coverage end?
Coverage ends the earliest of:
- Arrival at the place to which the insured is scheduled to return from a covered trip;
- The date the insured is scheduled to arrive at the place to which the insured is scheduled to return from a covered trip;
- The 30th consecutive day after the date the insured is scheduled to begin the covered trip; or
- Cancellation of the covered trip.
What is a "covered trip"?
A "covered trip" means any travel and sojourn to a scheduled destination that is
more than 120 miles from the starting point and not exceeding 30 consecutive days.
The number of cities or countries visited during any trip is irrelevant.
What if a trip is longer than 30 days?
The insured would have coverage for the first 30 consecutive days of a trip in which
travel and sojourn is to a scheduled destination more than 120 miles from the starting
point. Coverage would end at 12:01 a.m. on the 31st day of the insured's
What is the amount of the trip cancellation benefit?
An insured should select the amount of the trip cancellation benefit needed to protect
the cost of the trip. The maximum amount that may be selected for any one trip depends
on the certificate type purchased. Under the Lite,
Picture Perfect, and Elite
Insurance Programs, the maximum trip cancellation benefit for any one trip is $20,000
If an insured's trip is cancelled 35 days after purchasing an iTravelInsured program
and the insured receives a full refund from the travel supplier, can the insured
get a refund of the cost of the program? (Back)
An insured cannot obtain a refund if he/she didn't have a loss. Once the insured
pays the program cost and the insurance company accepts the payment, a "binding"
contract is formed. In exchange for payment, the insurance company issues a promise
to pay any and all valid claims.
If a trip is cancelled or interrupted, will the insured be reimbursed for all tickets
purchased for the trip, including those that may have been purchased after purchasing
an iTravelInsured Program? (Back)
All tickets purchased will be considered, and benefits will be paid under the terms
of the insurance policy for non-refundable, unused payments and deposits not to
exceed the lesser of the total trip protection purchased, or the maximum benefit
shown on the Schedule of Benefits. Note: The trip
interruption benefit does NOT apply to the Lite Plan.
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 unforeseeable. If you were
to purchase an iTravelInsured program after learning that a family member is sick,
and this event causes you to cancel your trip, no trip cancellation benefits would
be payable under the terms of the policy.
Do I have to travel abroad to be covered?
You do not have to leave your country or cross international boundaries; simply
travel to a destination at least 120 miles from your starting point for which you
have purchased: (i) a ticket on board a common carrier, or (ii) a hotel room, or
(iii) a ticket for admission to any event.
Are pre-existing medical conditions excluded from coverage?
Benefits for emergency illness, injury or death that is a result of a pre-existing
condition will be considered as long as:
- The insured is medically able to travel on the date coverage is purchased, and
(a) An injury or illness has not manifested itself during the 60 days immediately
before the purchase of the iTravelInsured program or,
Complete details of coverage terms, limitations and exclusions that may affect
benefits payable are summarized in the certificate. Please read the certificate
carefully and note all state exceptions.
Can the pre-existing condition exclusion be waived?
Yes, the pre-existing condition exclusion is waived if all the following conditions
Coverage is purchased within 14 days after the
date the initial trip deposit was paid to the
travel supplier, and,
- The insured is medically able to travel on the date the coverage is purchased.
What events are covered under the trip cancellation benefit? (Back)
- Emergency illness, injury or death to You, A Family Member, A Business Partner,
A Travel Companion, or A Travel Companion's Family Member
Financial default of a travel supplier
A terrorist incident
Organized labor strike, natural disasters or bad weather resulting in the complete
cessation of services by a travel supplier for at least 24 consecutive hours
Home made uninhabitable by fire, windstorm, vandalism or flood
Traffic accident on the way to a departure point
Revoked leave for active duty military, police or fire fighters
Job termination or layoff
Complete details of coverage terms, limitations and exclusions that may affect benefits
payable are summarized in the certificate. Please read the certificate carefully
and note all state exceptions that may apply.
What events are covered under the trip interruption benefit? (Back)
The coverage is exactly the same as the trip cancellation benefit, except that it
applies to these covered events only when they occur during the covered trip. The
insured is reimbursed for the non-refundable, unused payments and deposits because
he or she could not finish the trip.
interruption coverage is not available with the
What does the travel delay benefit cover?
This benefit reimburses up to $100 per 24-hour period for reasonable additional accommodations and travel expenses incurred because of a travel delay of at least 24 hours that results from:
- Travel supplier delay
- Lost or stolen passport, travel documents or money
- Medical quarantine
- Natural disaster
- Injury or illness of the insured or a travel companion
What does baggage delay cover? (Back)
This benefit pays 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? (Back)
Baggage is covered for up to $1,000 per insured
with the Picture Perfect plan, up to $2000 with the
Elite Plan. There is a maximum benefit of $500 for the first item and thereafter no more than $250 per item. Baggage must be checked or stored with a common carrier, hotel or motel in which the insured is registered as a passenger or guest.
This benefit does not apply to the Lite Plan.
What is covered by Emergency Medical / Dental Expense benefit? (Back)
If an insured becomes ill, injured or hospitalized during a trip, this benefit reimburses any covered, eligible medical expense not covered by any other health, credit card or other travel insurance. There is no deductible under this benefit.
There are some limits and exclusions for certain types of expenses, medical services or medical conditions or illnesses. Please review the policy carefully.
does not apply to the Lite Plan.
What does Emergency Medical Transportation cover? (Back)
This benefit covers authorized medical evacuations to the nearest appropriate hospital from where the insured became ill or injured, provided there is no qualified facility or doctor available at the place of illness or injury. This benefit also covers medical repatriation when the attending doctor and our doctor agree that the insured would be medically better off by transferring to another medical facility closer to home. Should an insured die on a trip, this benefit also pays to bring the remains home.
This benefit does not apply to the Lite Plan.
What is Common Carrier AD&D? (Back)
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 a licensed common carrier or conveyance, such as an airplane, a bus, a train, a ship or a taxi. The carrier or conveyance must be available for public use and licensed by the government authority under which the carrier operates.
This benefit does not apply to the Lite Plan.
What is considered an accident? (Back)
An accident means an unexpected, unintended, unforeseeable event causing injury or loss of life. It must occur during the policy period while the insured is traveling on a trip.
Are there any coverage exclusions?
Yes, the policy contains a section titled "Services Not Provided." Please read this section carefully for a full explanation. Some of the exclusions listed are:
- Injury, illness or death as a result of a war or an act of war
- Riding or flying in any flying device other than a licensed commercial common carrier aircraft
- Serving in one of the armed forces of any country or international authority
- Intentionally self-inflicted injuries, suicide or attempts or actual violations of the law
- Injuries or illnesses that result from being under the influence of any drugs or narcotics, unless administered or prescribed by a licensed doctor
- Emotional, mental or nervous disorders
Injuries from parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or without proper dive training and certification from a professional organization, rock or mountain climbing, or hunting
- Expenses for dental treatment due to normal maintenance or wear and tear
- Injury or illness from participation in any scheduled athletic event
- Traveling against the advice of a physician
- Pregnancy or childbirth when you are scheduled to give birth within two months from the date of a covered trip
Would I have coverage in the event of an earthquake? (Back)
No, travel insurance does not provide coverage for cancellation or interruption of a covered trip if an earthquake renders your home uninhabitable.
I am abroad and have lost my passport. What should I do? (Back)
24/7 Emergency Assistance number and advise them of
what happened. They will assist you in contacting the
nearest Embassy or Consulate so you can obtain a new passport to continue your trip.
How can a traveler get assistance 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
- If calling from overseas: 01-317-655-9798
Travel assistance is available to travelers 24 hours a day, every day of the year, wherever they are in the world.