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

Medical

Medical Limit

Accidental Death

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

Evacuation

Medical Evacuation

Your Quote

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Ratings and reviews

Our customers rate the International Medical Group iTravelInsured LX on our site
(4.50) of 5
on average based on 228 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
as claims were not made, i can only say i had peace of mind knowing if something happened I would most likely be covered - never know until it happens as there are exclusions that may come into play.
JOSEPH P.
expensive for the coverage I needed
Sarah W.
On the plus side, they did pay my entire claim, and everyone I talked to was polite. On the negative side, they spent a lot of my time making me jump through hoops to get there, as if you are inherently trying to cheat them. In this case, a $300 hotel room I didn't get to in Alaska after cancelling the cruise to Alaska (for medical reasons). The hotel bill was the subject of several phone calls and emails and documentation requests. Funny, they were fine with paying for the cruise, the expensive part. If they had been gracious about the fraction of the total cost (the hotel), I could have given them a stellar review. I've bought a dozen policies in the past; this is my first claim; if not for the hassle, I'd probably buy from them again and they probably would've made back their $300 on my next buy! (Not to mention the labor costs they are paying for ... people to nitpick over every dime.) In fairness, I must say that this is my first claim; maybe all the companies are like this. One word of advice: one must prove one purchased something: if you are traveling with other people, don't split any prepaid costs, because it is then hard to prove who paid for what when you try to claim it. Pay your own way (with receipts) for all of it. And get cancellation receipts too.
James E.
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