Comprehensive Review Of iTravelInsured Travel Lite – U.S. Fire
When it comes to travel insurance, securing the right plan can make all the difference, The iTravelInsured Travel Lite – U.S. Fire policy, underwritten by United States Fire Insurance Company, is designed to offer essential coverage for travelers seeking an affordable solution.
Whether you’re planning a vacation, a business trip, or a short getaway, this plan offers valuable benefits like trip cancellation, medical evacuation, baggage coverage, and more.
What Is iTravelInsured Travel Lite – U.S. Fire?
The iTravelInsured Travel Lite – U.S. Fire plan is a basic travel insurance policy that provides essential coverage for trip cancellations, interruptions, medical emergencies, and travel delays.
It is designed for budget-conscious travelers who want peace of mind without the higher premiums associated with more comprehensive plans. It includes features like emergency medical coverage, baggage protection, and travel delays, making it an ideal choice for standard travel needs.
- iTravelInsured Travel Lite is a budget-friendly travel insurance plan designed for price-conscious travelers.
- It provides essential coverage for trip cancellations, interruptions, and delays, as well as emergency travel assistance services.
- The plan is ideal for travelers who want to protect their trip investment without breaking the bank.
- iTravelInsured Travel Lite provides access to international claims specialists for assistance with claims processing and worldwide coverage with multilingual capabilities
Key Benefits Of iTravelInsured Travel Lite – U.S. Fire
Trip Cancellation & Interruption Coverage
- Trip Cancellation: This benefit reimburses you up to 100% of your non-refundable trip costs if you need to cancel your trip due to unforeseen circumstances, such as illness or death of a family member
- Trip Interruption: If your trip is interrupted for any reason covered under the policy, you can recover up to 125% of your non-refundable trip costs
Medical And Emergency Evacuation Coverage
- Accident & Sickness Medical: Coverage up to $100,000 for unforeseen accidents or sickness during your trip
- Medical Evacuation: If you need to be evacuated for medical reasons, the plan provides coverage up to $500,000, ensuring you receive transportation to the nearest suitable medical facility
Baggage And Personal Effects
- If your baggage is lost, stolen, or damaged during your trip, iTravelInsured Travel Lite – U.S. Fire will reimburse you up to $750 (with a per-item maximum of $250)
Trip Delay And Baggage Delay
- Trip Delay: Up to $125 per day, with a total reimbursement of up to $500 for additional expenses incurred due to delays
- Baggage Delay: If your baggage is delayed for more than 24 hours, the policy reimburses you for necessary items, up to $150
Trip interruption coverage up to 125% of trip cost
Emergency travel assistance services, including travel and baggage delay, and medical evacuation
Worldwide coverage, with multilingual capabilities
Coverage Details
Coverage Table For iTravelInsured Travel Lite – U.S. Fire
| Benefit | Maximum Benefit Amount |
|---|---|
| Trip Cancellation | 100% of the non-refundable insured trip cost |
| Trip Interruption | 125% of the non-refundable insured trip cost |
| Trip Delay | Up to $125 per day, with a maximum of $500 |
| Medical Evacuation And Repatriation of Remains | Up to $500,000 |
| Accident & Sickness Medical | Up to $100,000 |
| Baggage & Personal Effects | $750, with a $250 per item limit |
| Baggage Delay | Up to $150 |
| Dental Expenses | Up to $1,000 for emergency dental |
Trip Cancellation Coverage
- Covers trip cancellations due to unforeseen events such as natural disasters, illness, or injury
- Includes coverage for trip cancellations due to home uninhabitable due to fire, flood, burglary, or natural disaster
Additional Information
- Maximum trip duration: 180 days
- Maximum age insured: 99
- Pre-existing condition waiver: Not available
- Premium refunds: Available within 10 days from the effective date of coverage
How Much Does iTravelInsured Travel Lite Cost?
- The cost of iTravelInsured Travel Lite ranges from $46 to $740, depending on trip cost and length
- Travelers can choose the coverage that best fits their needs and budget
When Does Coverage Begin And End?
- Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this Policy is received by iTravelInsured, Inc
- Coverage 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
International Medical Group
- International Medical Group (IMG) provides international medical insurance, travel insurance, and service to the international community with worldwide coverage and multilingual capabilities
- IMG offers medical security and peace of mind, wherever you travel
- The company has been in business for over 20 years and has a 4.5-star rating with 93% of shoppers recommending their services
Why Choose iTravelInsured Travel Lite – U.S. Fire?
Affordable Coverage
iTravelInsured Travel Lite – U.S. Fire offers a more affordable solution for travelers who do not require extensive coverage but still want reliable protection during their trip. It’s an ideal option for those who only need the essentials like trip cancellation, medical coverage, and baggage protection.
Comprehensive Protection for a Variety of Issues
Despite being an entry-level policy, iTravelInsured Travel Lite – U.S. Fire offers a strong suite of coverage. From trip cancellations to emergency medical evacuation, this plan ensures you’re protected from the unexpected.
24/7 Travel Assistance
With iTravelInsured Travel Lite – U.S. Fire, travelers gain access to 24/7 travel assistance services, helping you with 24-hour medical monitoring, medical referrals, lost luggage assistance, and emergency travel arrangements, Emergency prescription replacement, legal referrals, emergency translations, whenever needed.
Pros And Cons Of iTravelInsured Travel Lite – U.S. Fire
Pros:
- Affordable Premiums: Travel Lite – U.S. Fire offers essential coverage at a lower cost compared to more comprehensive plans
- Medical Evacuation Coverage: Up to $500,000 for medical evacuations, which is ideal for travelers heading to remote destinations
- Baggage and Delay Protection: Offers solid protection for lost baggage, delays, and the cost of necessary personal items during travel delays
- No Need for Extensive Coverage: Perfect for travelers who need basic protection without the added cost of higher coverage
Cons:
- Limited Medical Coverage: With a maximum of $100,000 for medical expenses, travelers visiting high-risk regions may need more comprehensive medical coverage
- No Coverage for Pre-Existing Conditions: Like most travel insurance policies, pre-existing conditions are not covered unless specifically purchased under certain conditions
- Lower Baggage Coverage: With a $250 per item maximum for lost or damaged baggage, higher-value items may not be fully covered
- Limited to Certain Circumstances: Trip cancellations and interruptions are only covered if the event is unforeseen as per the policy’s definition
10-Day Free Look Period
To ensure complete satisfaction, iTravelInsured Travel Lite – U.S. Fire offers a 10-day free look period. If you are not fully satisfied with your plan, you can cancel the coverage within 10 days of purchase (before departure or filing a claim) for a full refund of the premium cost.
Contact Us And Get A Quote
Contact us to get a quote and purchase iTravelInsured Travel Lite – U.S. Fire.
Our licensed insurance agents are available to assist you with any questions or concerns.
Get a quote online or by phone today!
Conclusion iTravelInsured Travel Lite – U.S. Fire Review
iTravelInsured Travel Lite – U.S. Fire is a great option for travelers looking for affordable and reliable coverage without unnecessary extras. Offering key benefits like trip cancellation, medical evacuation, and baggage protection, it’s a solid choice for those who need basic coverage at a budget-friendly price. With its 24/7 assistance and solid medical coverage, it provides peace of mind without breaking the bank.
FAQs For iTravelInsured Travel Lite U.S. Fire
1. What does Trip Cancellation cover?
Trip Cancellation covers up to 100% of non-refundable trip costs if you need to cancel your trip due to unforeseen reasons such as illness, death, or hospitalization.
2. How does the Trip Delay benefit work?
The plan offers $125 per day for up to $500 to cover necessary expenses such as lodging and meals if your trip is delayed by at least 6 hours.
3. Is medical evacuation covered?
Yes, medical evacuation is covered up to $500,000 if you require transportation to the nearest medical facility or back to your home country due to a medical emergency.
4. What happens if my baggage is delayed?
If your baggage is delayed for more than 24 hours, the plan reimburses you for necessary personal items, such as clothing and toiletries, up to $150.
5. Does this policy cover pre-existing conditions?
No, pre-existing conditions are excluded from coverage.
