iTravelInsured Travel LX: Premium Single-Trip Travel Insurance with the Highest Benefits
For a single higher-value or more complex international journey — such as an extended mission project, humanitarian fieldwork in remote areas, faith-based service assignment, luxury conference, or adventure travel — you need stronger protection to safeguard high prepaid costs and handle serious medical or evacuation needs.
iTravelInsured Travel LX from IMG is the highest-benefit single-trip travel insurance plan in the iTravelInsured series. It covers one continuous journey with up to $150,000 in trip cost protection, primary emergency medical coverage up to $500,000, medical evacuation up to $1,000,000, and enhanced extras including search & rescue, hospital of choice, sports equipment rental, and higher baggage/delay limits.
Optional Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) upgrades provide additional flexibility (75% reimbursement). This plan delivers elite-level safeguards at a price that still fits organizations and individuals operating with minimal budgets.
Key Coverage Highlights – iTravelInsured Travel LX
Benefits are per insured person unless otherwise noted. Exact limits, terms, and conditions are in the policy documents. The maximum insured trip cost is up to $150,000 per person.
Trip Cancellation — Up to 100% of the insured trip cost for covered reasons.
Trip Interruption — Up to 150% of the insured trip cost for covered reasons after departure.
Optional Cancel for Any Reason (CFAR) & Interruption for Any Reason (IFAR) — Up to 75% of the non-refundable insured trip cost (available as upgrade at additional cost; not available in all states).
Emergency Accident and Sickness Medical Expense — Up to $500,000 (primary coverage; dental sublimit up to $1,000).
Emergency Medical Evacuation & Repatriation of Remains — Up to $1,000,000 (includes hospital of choice).
Travel Delay — Up to $250 per day per person, maximum $2,500 (after a 6-hour qualifying delay).
Baggage Loss, Damage, or Theft — Up to $2,500 total ($250 per article limit).
Baggage Delay — Up to $500 after a 12-hour qualifying delay.
Rental Car Damage and Theft — Up to $40,000 per covered vehicle.
Missed Connection — Up to $500 (after a 3-hour delay).
Pet Kennel — Up to $100 per day, maximum $500 per pet for covered delays.
Search & Rescue — Up to $10,000 per person.
Political/Security/Natural Disaster Evacuation — Up to $50,000 per event per person.
Sports Equipment Rental — Up to $500 per day ($2,000 max per person).
Additional benefits — Accidental death & dismemberment (up to $100,000 common carrier), change fee reimbursement up to $300, frequent traveler reward up to $75, bedside companion benefit, and 24/7 travel assistance with Telehealth access.
Pre-existing medical conditions may be waived if the plan is purchased within the time-sensitive period (often before or on the final payment date with a 60-day lookback). COVID-19 is covered the same as any other illness. Always review the specific certificate for fully covered reasons, exclusions, age eligibility, and state variations.