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.
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
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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.
International Medical Group
iTravelInsured Travel LX
Did not have to use. So up front looked to be a good plan. Would most likely use again. I would like to be able to preprint forms for treatment ahead of time, because with the confusion of an injury having forms readily accessible during treatment, would help with not having to correspond with medical staff when leaving vacation for home.
Benjamin D. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured Travel LX
Good news was we had no need to use our insurance on our month long trip which might make it seem like a waste of money - but our peace of mind in knowing we had the coverage available if it had been needed was worth every penny.
Kathleen B. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel LX
Did not need to file a claim, so I cannot give an assessment of how well the plan responds to claims.
James C. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel LX
It was good to have for a trip to India but we did not use it which was very good
David L. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured Travel LX
I selected this plan based on a recommendation from another traveler and upon my own research, it appeared to be a good decision.
Obviously I was fortunate that neither of us needed to use it but felt secure in knowing we had it.
Obviously I was fortunate that neither of us needed to use it but felt secure in knowing we had it.
Patricia D. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured Travel LX
Great benefits and great rate! Having good insurance while traveling really gives me a lot of peace of mind.
Julie M. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured Travel LX
We have purchased many Trip Insurance policys over the years with "insure my trip" we will continue to do so. The problem came when I suddenly fell sick before our trip to Norway and was hospitalized with sepsis. We were with IMG, what a terrible situation they put us in, I wont go over the details but there were MANY, it took 43 days to pay out our policy, and I am sure it would not be paid now if it weren't for the ADVOCATE at INSURE MY TRIP, who did a fantastic job for us and single hand got us paid. In all fairness I guess I was told IMG was going thru some computer changes and that was part of the problem, but I could never talk to the same person working on my case anytime I asked for a supervisor they were not available, VERY POOR customer service. Thanks INSUREMYTRIP.com
Terry E. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Mike
Thank you for your feedback on the policy. We are sorry to learn that you were unable to travel. We are pleased to hear that your claim was paid. Thank you for allowing InsureMyTrip to advocate on your behalf. We look forward to assisting you in the future.Sep 23,2019
If you have any other questions, please call us at 800-487-4722.