Review of TraveLite from Travelex | Travel Insurance Review

Editor Review

The Good: This plan provides comfortable benefit limits for nearly all of the expected package plan benefits. Kids under 18 are covered at no additional cost when traveling with a covered adult. Optional ‘cancel for any reason’, flight accident AD&D, medical upgrade, and rental car coverage protection available (purchase the plan within 21 days of initial trip deposit).

The Drawbacks: Available only to U.S. citizens and not all benefits are available to citizens of all states.

The Bottom Line: Providing generous medical and evacuation coverage, this plan protects individuals and families on trips lasting up to 365 days (a full year).

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Coverage

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $30,000)
Trip interruption	150%
Travel delays (5 hours or more)	$150 per day/$750 maximum
Medical expenses	$50,000
Emergency evacuations	$250,000
Baggage loss	$1,000
Baggage delay (12 hours or more)	$250
AD&D	$25,000 (24-hour)
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Covered reasons for trip cancellation and interruption in the base plan include job loss or transfer, a natural disaster strike to your primary residence or destination accommodations, terrorist incidents at your destination, and more.
An additional $250 for itinerary change fees when the travel supplier makes a change that prevents you from participating in a planned activity.
Automatic extension of coverage up to 3 or 5 additional days if you are prevented from returning on your scheduled return date (conditions apply).
Evacuation benefits also cover emergency medical reunion and return of minor children under age 18.
Travel assistance services include help for medical emergencies, evacuations, repatriation, legal assistance, lost documents, and concierge services.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Pre-existing condition waiver available if plan is purchased within 21 days of initial trip deposit.
Optional ‘cancel for any reason’ upgrade for up to 95% reimbursement if you have to cancel your trip for any reason not otherwise covered by the plan (purchase within 21 days of initial trip deposit).
Optional flight accident AD&D and medical expenses upgrade available.
Optional extension of coverage is available for up to 30 days (conditions apply).

Limitations

The following are the limitations on this plan’s coverage:

Available only to U.S. citizens.
Not all benefits are available to citizens of all U.S. states.
The ‘cancel for any reason’ upgrade excludes cancellation due to discretionary reasons including fear of traveling or concerns about enjoying the trip.