Travel Insurance Reviews International Medical Group iTravelInsured Travel LX
iTravelInsurance Travel LX from International Medical Group is a single-trip comprehensive travel insurance plan which offers a higher level of coverage to domestic or international travelers than iTravelInsurance Travel SE. Coverages offered by this plan include trip cancellation, interruption, travel delay and travel medical coverage.
To learn more, see the iTravelInsurance Travel LX product page.
The trip included a
cruise
International Medical Group
iTravelInsured Travel LX
One star on Satisfied as I did not have to use the coverage, so no comment on claims. It did provide peace of mind being half way around the world in a remote location. I did compare with Medjet (limited to evacuation) and other policies and it "ticked all the boxes" for trip cancellation and interruption, lost luggage, medical & evacuation. Five stars on ease of purchase and communications via email.
Clayton H. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured Travel LX
I was fortunate in that I did not need to use this coverage. But that being said, you never know what will happen so I would not travel without it!
Leslie T. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured Travel LX
Good to have for peace of mind.
Sarah A. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel LX
I had a medical issue while overseas but didn’t want to visit a doctor in a 3rd world country. Since I waited until I was back in the US to get medical treatment I was not eligible to file a claim.
Lorraine W. would not
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured Travel LX
Frankly, it’s hard to rate a plan without having filed a claim.
William D. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured Travel LX
Did not have to file any claims for this trip to Ireland. However, it is always comforting to know that if needed, we would have been covered.
Thomas M. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured Travel LX
I didn’t need to use it but was happy with their correspondence letting me know that they are there if I need them.
Bernardine S. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured Travel LX
As usual, we didn’t need to tap into our coverage. Which, of course, is the best possible outcome. That noted, the plan offered the coverage we desired at an affordable price.
David D. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel LX
Insurance Buyer Beware: Trip Interruption "for any reason" does not mean “for any reason”
Well, we recently travelled to Asia and bought an insurance policy called the "International Medical Group iTravelInsured LX plan". The policy from United States Fire Insurance/IMG iTravelInsured LX states the following in their contract "Interruption for Any Reason Benefit - up to 75% of Non-Refundable Trip Cost Insured"
Thus, in order to ensure we would be covered for all possible interruptions or delays, we spent the extra $ to get “Cancel for any reason” and “Trip Interruption for any reason”.
Soon after our travel began (first 24 hours) we faced a travel interruption at the airport, forcing us to buy new tickets and delaying our trip by 3 days. 2 weeks later in the trip we incurred another travel airline related interruption and also incurred lost baggage.
When we filed a claim for the 2 interruptions and lost baggage cases iTravelInsured rejected all 3 claims outright. The only written denial was related to the first, (and primary loss of $3,600) which was rejected because the “fine print” in the iTravelInsured LX plan states that payment for trip interruption could only be exercised 48 hours after the trip has started. We received verbal communication at that time from iTravelInsured that therefore we were also not eligible for the other 2 claims either.
Fortunately there is a formal grievance process for each loss which we filed along with tons of paperwork. After submission iTravelInsured did reluctantly pay for the second and third claim, but not the one that fell within the 48 hour exclusion.
So my advice to those reading this on insuremytrip is to note that it appears that you cannot ever get guaranteed coverage for the full length of your trip, from Travel delay through Trip Interruption, that “trip interruption for any reason” does not mean “for any reason”, and I would urge prospective insurers to re-consider buying these extended coverages or look elsewhere for policies that might cover your whole trip.
Also, given the reluctance by United States Fire Insurance/IMG iTravelInsured to fairly pay our claim the first time without going through formal grievances, I would suggest buyers to consider other policies on insuremytrip. We have bought insurance for dozens of trips and other than this company, when we have had to file a legitimate claim, the claims have been honored in a timely fashion the first time.
Well, we recently travelled to Asia and bought an insurance policy called the "International Medical Group iTravelInsured LX plan". The policy from United States Fire Insurance/IMG iTravelInsured LX states the following in their contract "Interruption for Any Reason Benefit - up to 75% of Non-Refundable Trip Cost Insured"
Thus, in order to ensure we would be covered for all possible interruptions or delays, we spent the extra $ to get “Cancel for any reason” and “Trip Interruption for any reason”.
Soon after our travel began (first 24 hours) we faced a travel interruption at the airport, forcing us to buy new tickets and delaying our trip by 3 days. 2 weeks later in the trip we incurred another travel airline related interruption and also incurred lost baggage.
When we filed a claim for the 2 interruptions and lost baggage cases iTravelInsured rejected all 3 claims outright. The only written denial was related to the first, (and primary loss of $3,600) which was rejected because the “fine print” in the iTravelInsured LX plan states that payment for trip interruption could only be exercised 48 hours after the trip has started. We received verbal communication at that time from iTravelInsured that therefore we were also not eligible for the other 2 claims either.
Fortunately there is a formal grievance process for each loss which we filed along with tons of paperwork. After submission iTravelInsured did reluctantly pay for the second and third claim, but not the one that fell within the 48 hour exclusion.
So my advice to those reading this on insuremytrip is to note that it appears that you cannot ever get guaranteed coverage for the full length of your trip, from Travel delay through Trip Interruption, that “trip interruption for any reason” does not mean “for any reason”, and I would urge prospective insurers to re-consider buying these extended coverages or look elsewhere for policies that might cover your whole trip.
Also, given the reluctance by United States Fire Insurance/IMG iTravelInsured to fairly pay our claim the first time without going through formal grievances, I would suggest buyers to consider other policies on insuremytrip. We have bought insurance for dozens of trips and other than this company, when we have had to file a legitimate claim, the claims have been honored in a timely fashion the first time.
Stephen E. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Carol
Thank you for taking time to provide us with a detailed review. We are sorry to hear that you were unhappy with the claim process, but it's good to hear that our Anytime Advocate was able to help you receive reimbursement for 2 parts of your claim.
If you have any other questions, please call us at 800-487-4722.Oct 08,2019 -
IMG RR Team Account
International Medical Group
It’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation.Oct 09,2019
International Medical Group
iTravelInsured Travel LX
Bought the plan as insurance against well any health or other problems. The company was precise in their information provided and gave me the assurance I needed to travel. Would recommend and will use it again!
Sidney A. would
recommend this plan to a friend or relative.
The IMG iTravelInsured LX plan provides coverage up to 100,000 USD per person for unforeseen, accidental injuries or emergency illnesses which first occur during the trip, and are treated by a physician during the trip. If medical treatment is not obtained during the trip, and the traveler waits until returning home to the United States, the travel insurance expires and is not responsible for the medical bills.
Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.