International Medical Group iTravelInsured LX

The iTravelInsured LX plan has excellent coverage, like the iTravelInsured SE plan, but with higher benefit levels and additional coverages. The plan is specifically designed for luxury and adventure trips to exotic locations.

For this reason, the plan includes adventure sports and activities as covered reasons for emergency medical care. This can help to provide emergency medical coverage to you if injured while participating in an adventure activity. It’s excellent coverage for travelers participating in sky diving, extreme skiing or mountaineering; be sure to read the full certificate for the full list of included and excluded sports and activities.

In addition to traditional trip cancellation and trip interruption coverage, the LX plan offers Cancellation for Any Reason and Interruption for Any Reason coverage for all travelers who purchase this plan within the first 20 days of their initial trip payment. This coverage will help to reimburse you up to 75% of the total trip cost if your trip must be cancelled or interrupted for any reason at all.

The LX plan offers a pre-existing condition waiver if your plan is purchased prior to or within 24 hours of final trip payment. Unlike the SE plan, this plan has up to $1,000,000 in coverage for emergency medical evacuations and automatically includes the hospital of choice benefit as well. This may be of interest to you if you are participating in extreme adventure activities with a chance of becoming injured while traveling.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

Trip Cancellation
Trip Interruption
Baggage Loss
Baggage Delay
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating
Years in Business
112

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Baggage Loss
Baggage Delay
Supplier Default

Medical

Medical Limit
Complications of Pregnancy
Terrorism
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Flight Only
Included in Accidental Death - Common Carrier

Evacuation

Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Your Quote

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Ratings and reviews

Our customers rate the International Medical Group iTravelInsured LX on our site
(4.48) of 5
on average based on 175 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
I was unsatisfied with the slow speed of processing our claim (two months) and the settlement. The company denied the airfare cost of my family of four returning home early from our Irish vacation because two of our party came down with pneumonia. They did pay for the medical and lodging costs due to an air delay, but not the cost of the additional airfare to cut our trip short, which was the bulk of our claim. I travel a lot and purchase trip insurance regularly. The one thing I purchase insurance for is hassle free coverage and timeliness. IMG fell short in both regards. This is the first time i have used IMG and it will be the last.
Richard K.
Had a minor medical urgent care incident but the hassle of getting all the required documentation from the Moroccan clinic to be used in filing a claim wasn't feasible - and the total cost of the service was about $45. I thought about filing anyway just to see how it would get handled, but figured it would be a waste of my time and the company's time - there are more effective things for both of us to do!
Sig S.
Fortunately we did not have to make use of the plan benefits. Reason for choosing this plan is the medical coverage -- it is primary and also provides a maximum medical benefit of $ 500,000. Great coverage for a retiree on Medicare traveling outside the US.
James S.
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