iTravel Insured Lite Plan Overview

The Travel Lite Insurance plan is designed for travelers seeking to protect their trip investment against trip cancellation and trip interruption. It is our lowest priced travel insurance program and provides coverage for travel and baggage delay as well as access to our non-insurance emergency travel assistance service. Travel Lite plan provides the following benefits:

• Trip Cancellation
• Trip Interruption
• Travel Delay
• Baggage & Personal Effects
• Baggage Delay
• Accident & Sickness Medical Expense
• Emergency Medical Evacuation

Non-Insurance Emergency Travel Assistance Services

Non-Insurance Emergency Travel Assistance Services IMG offers more than insurance protection. The following emergency travel assistance services are available 24/7 while you are on your trip, giving you Global Peace of Mind® (complete details will be provided upon purchase): » Emergency travel arrangements » Medical referral » Lost passport/travel documents assistance » 24-hour medical monitoring » Lost luggage assistance » Emergency cash transfer » Embassy or consulate referral » Legal referrals » Emergency message relay » Emergency translations » Emergency prescription replacement

Covered Perils

• Emergency Sickness/Illness/Injury/Death
• Hijacking, Medical Quarantine, Subpoena or Jury Duty
• Home uninhabitable due to fire, flood, burglary or Natural Disaster
• Direct involvement in a documented traffic accident while enroute to your departure
• Organized Labor Strike
• Terrorist Incident*
• Inclement Weather and Natural Disaster
• Revocation of previously granted military leave
• Financial Default of Travel Supplier
• Theft of passport or visa that prevents departure
• Mandatory evacuation ordered by government authority due to adverse weather and Natural Disaster

Compare all of the iTravelInsured plans

iTravelInsured offers a range of travel insurance programs for every insurance need. Whether your client needs coverage for a vacation, business trip, student travel or stay at a hotel or resort, we've got the right plan. iTravelInsured's exceptional services also provide:

• Emergency travel assistance for even the smallest travel disruption
• Responsive medical management in the event of medical emergencies anywhere in the world
• International, multilingual customer service centers
• Claims specialists who process tens of thousands of claims each year from around the world

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Trip Cancellation

Up to $25,000 of trip cost* *The trip cancellation benefit is determined by the amount of your trip you elect to protect, up to the maximum benefit stated above. Trip Cancellation & Interruption - What’s Covered? Here are a few examples of covered trip cancellation and interruptions perils. Please note that the listed perils are not all applicable to both trip cancellation and interruption; refer to the protection plan, which is sent upon purchase, for complete details. Additional terms apply to every peril. „ Sickness, injury or death of insured, a family member, a travel companion, a business partner or a child caregiver „ Insured’s primary residence or destination being rendered uninhabitable „ Documented theft of passports/visas „ Involved in a merger, job loss or job relocation „ Traffic accident „ Unannounced strike „ Inclement weather that causes cessation of services provided by your common carrier „ Mechanical breakdown of the common carrier „ Evacuations due to natural disasters „ Emergency miltiary duty for national disaster „ A terrorist incident „ Revoked military leave „ Bankruptcy or default of travel provider (other than the travel supplier, tour operator, travel agency, organization, or firm from whom you purchased travel arrangments supplied by others) „ NOAA hurricane warning at destination „ Court order to appear as a witness „ Jury duty „ Quarantine „ Hijack

Trip Interruption

125% of Trip Cost** **The trip interruption benefit is determined by the amount of trip cancellation benefit purchased. All benefits are per insured person.

Travel Delay

Up to $500 per person ($125 per Day after an innitial delay of 12 hours)

Baggage Delay

Up to $150 per person (after initial delay of 24 hours)

Baggage and Personal Effects

Up to $750 per person

Accident and Sickness Medical Expenses

Up to $100,000 per person

Emergency Medical Evacuation

Up to $250,000 per person

Coverage Type

Secondary

Policy Wording By State

Please click the link containing the State you are currently residing in to access the applicable Travel Lite plan wording: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Georgia Hawaii Idaho Illinois Indiana Iowa Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont West Virginia Wisconsin Wyoming

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What benefits are included in an iTravelInsured travel insurance plan?

Travel Lite plan provides the following benefits: Trip Cancellation Trip Interruption Travel Delay Baggage & Personal Effects Baggage Delay Accident & Sickness Medical Expense Emergency Medical Evacuation Travel SE plan provides the following benefits: Trip Cancellation Trip Interruption Missed Connections Travel Delay Baggage & Personal Effects Baggage Delay Change Fee Reimbursement of Miles or Reward Points Rental Car Damage - Optional Upsell Accidental Death & Dismemberment (Common Carrier Only) Accident & Sickness Medical Expense - Primary Emergency Medical Evacuation Travel LX Plan provides the following benefits: Trip Cancellation Trip Interruption Missed Connections Travel Delay Baggage & Personal Effects Baggage Delay Change Fee Reimbursement of Miles or Reward Points Rental Car Damage Cancel and Interrupt for Any Reason - when plan is purchased within 20 days of initial trip payment Accidental Death & Dismemberment (Common Carrier Only) Accident & Sickness Medical Expense - Primary Emergency Medical Evacuation Hospital of Choice Non-Medical Emergency Evacuation Search & Rescue

When does insurance coverage begin?

Trip Cancellation: Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this Policy is received by iTravelInsured, Inc. This is Your “Effective Date” and time for Trip Cancellation. All Other Coverages: Coverage begins when You depart on the first Travel Arrangement (or alternate travel arrangement if You must use an alternate travel arrangement to reach Your Trip destination) for Your Trip. This is Your “Effective Date” and time for all other coverages, except Trip Cancellation.

When does coverage end?

Your coverage automatically ends on the earlier of: 1) the date Your Trip is completed; 2) the Scheduled Return Date; 3) Your arrival at Your return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of Your Trip covered by this Policy. Termination of this Policy will not affect a claim for loss that occurs after premium has been paid.

What if a trip is longer than 90 days?

The insured would have coverage for the first 90 consecutive days of a trip. Coverage would end at 12:01 a.m. on the 91st day of the insured’s trip. Contact us at 1-800-576-2674 to inquire about possible insurance options for trips longer than 90 days.

What is a definition of a “Trip”?

“Trip” means a scheduled trip for which coverage for Travel Arrangements is requested and the premium is paid prior to Your actual or Scheduled Departure Date of Your Trip.

What perils are covered under the Trip Cancellation benefit?

• Emergency Sickness, Injury or Death to You, a Family Member, a Travel Companion, a Business Partner or a Child Caregiver.
• You or a Travel Companion are hijacked.
• You or a Travel Companion are detained under quarantine.
• You or a Travel Companion are summoned to serve on a jury or served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
• Your home or the home of a Travel Companion is made Uninhabitable by fire, flood, burglary or a Natural Disaster.
• A documented theft of Your passport or visa that prevents You from going on Your Covered Trip.
• A permanent transfer of employment of 250 miles or more.
• An automobile accident directly involving You or a Travel Companion, substantiated by a police report, while en route to a departure point for the Covered Trip.
• Unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel.
• Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel.
• Mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel.
• A government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster.
• You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war.
• Involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.
• A Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip.
• Revocation of Your previously granted military leave or re-assignment due to war.
• Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements supplied by others) causing a complete cessation of travel services more than 10 days following Your Effective Date.
• You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip.
• Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster.
• You, Your Traveling Companion or Family Member traveling with You is required to work during the Trip. *Available if policy is purchased within 20 days of initial trip payment.
• A cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;
• A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

• The Travel LX plan has additional perils that are not listed here. Please refer to the insurance certificate or contact Agency Services for a description of the additional coverage.
• *Complete details of coverage, terms, limitations and exclusions that may affect benefits are summarized in the certificate. Please read the certificate carefully and note all state exceptions that may apply.

What is Common Carrier AD&D?

This benefit covers for loss of life, limb or sight that is a direct result of a covered accident that occurs during a trip while the insured is entering, onboard, or exiting from a licensed Common Carrier (such as an airplane, a bus, a train, a ship, or a taxi) licensed for the transportation of passengers for hire. Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and all state exceptions that may apply.

What events are covered under the Trip Interruption benefit?

The perils protected against are listed in your policy and include various benefits available to you in the event you must interrupt your covered trip for a covered reason. These perils are similar to the trip cancellation perils except they provide coverage once you depart for your covered trip. The insured is reimbursed for unused non-refundable travel arrangements plus additional transportation costs to catch up to their trip or return home early.

What does Baggage Delay cover?

This benefit reimburses a specified amount for the purchase of emergency toiletries and clothing when an insured’s checked luggage is lost or delayed by the airline or other Common Carrier for 24 hours or more.

Is loss of baggage covered?

Baggage and personal possessions are covered up to the specified amount with the Travel SE and Travel LX plans. A maximum benefit of $250 per item applies. Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and all state exceptions that may apply.

What are the stipulations to cancel my travel insurance coverage?

If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 10 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

What does the Travel Delay benefit cover?

Provides a daily benefit, up to a maximum benefit after a specified period for reasonable additional traveling expenses incurred because of a Travel Delay of a specified number of hours that results from:

• Any delay of a Common Carrier (the delay must be certified by the Common Carrier);
• A traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);
• Lost or stolen passports, travel documents or money (must be substantiated by a police report);
• Quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;
• A documented weather condition preventing You from getting to the point of departure.

Can I buy travel insurance after an incident has occurred?

Only incidents that occur after your policy is in effect are considered. Insurance does not cover events that are no longer unexpected or unforeseen.

What is considered an Accident?

An Accident is defined as a sudden, unexpected unusual specific event that occurs at an identifiable time and place, and shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

Are there any coverage exclusions?

Complete details of coverage exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all exclusions and state exceptions that may apply. PLEASE SEE POLICY DETAILS BY STATE for exact wording

Can the Pre-Existing Condition Exclusion be waived?

The Travel SE and Travel LX plans offer a waiver. Travel SE Waiver: The exclusion for Pre-Existing Condition will be waived provided: (a)Your Payment or Deposit for this Policy and enrollment form are received 20 days of the date Your initial Payment or Deposit for Your Trip is received and; (b) You are not disabled from travel at the time Your premium is paid. Travel LX Waiver: The exclusion for Pre-Existing Condition will be waived provided: (a)Your Payment or Deposit for this Policy and enrollment form are received within 24 hours of the date Your final Payment or Deposit for Your Trip is received and; (b)You are not disabled from travel at the time Your premium is paid.

How can a traveler get assistance while on a trip?

If a traveler needs help with any travel emergency (from a lost passport to the need for medical care) please call one of the following numbers as soon as possible: (1) 866-243-7524 or (1) 317-655-9798 from outside North America. Travel assistance is available to travelers 24 hours a day, every day of the year, wherever they are in the world.