Plan Detail

Plan Administrator: iTravelInsured | AM Best Rating: A "Excellent" | Underwriter: United States Fire Insurance Company

• Plan best suited - Worldwide.
• Ages - 1 days to 100 years.
• Coverage length - Maximum trip length is 90 days.
• ID card - Apply online to get ID card in email.
• Renew - Nonrenewable.
• Coverage Type: Primary
• Pre-existing condition waiver: Available when policy is purchased within 20 days of initial trip payment

LIMITATIONS AND EXCLUSIONS:

Benefits are not payable for any loss due to, arising or resulting from: Suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane.

• An act of declared or undeclared war
• Participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard
• Riding or driving in races, or speed or endurance competitions or events
• Participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition
• Piloting or learning to pilot or acting as a member of the crew of any aircraft
• Being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician
• The commission of or attempt to commit a felony or being engaged in an illegal occupa­tion nNormal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion
• Dental treatment (except as coverage is otherwise specifically provided herein)
• Amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Declarations Page
• Due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage
• Any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law
• A loss or damage caused by detention, confiscation or destruction by customs nElective Treatment and Procedures
• Complications from Elective Treatment and Procedures otherwise not payable under this Policy
• Medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment
• Failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements for reasons other than Bankruptcy or Default
• Business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion
• A mental or nervous condition, unless hospitalized or Partially Hospitalized for that condition while the Policy is in effect for You
• A loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Policy is not in effect for You
• Bankruptcy or Default or failure to supply services by a supplier of travel services
• Due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto
• Diving while in an abnormal state of which You were aware and/or due to which You were disqualified or not entitled to engage in Diving
• Diving as a professional diver other than as a Diving instructor, Dive master, underwater photographer, or while performing research under the auspices and following the guidelines of the American Academy of Underwater Sciences (AAUS)
• Diving in an area where Diving is forbidden
• An assessment from a Legally Qualified Physician advising You in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip
• Your arrival into a country for which a formal recom­mendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department has been issued preceding Your arrival into that country on Your Trip, or if a country is an Excluded Country preceding Your arrival into that country on Your Trip
• Mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment)
• Participating in bodily contact sports, skydiving or parachuting except parasailing, extreme skiing, skiing outside marked trails or heli-skiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive.

PRE-EXISTING CONDITION EXCLUSION:

The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.