iTravelInsured – New York City Bombing Travel Insurance Coverage Position Statement
New York City Bombing- Position Statement
International Medical Group® (IMG®) offers our condolences to the people suffering from the New York City bombing that injured 29 people on Saturday, September 17, 2016.
The U.S. Department of State has not officially declared this event a terrorist attack; however, there are some benefits available for those traveling who may have been injured during the bombing.
IMG members who purchased a travel insurance policy prior to September 17, 2016, may receive coverage for Accident & Sickness Medical Expense and Emergency Medical Transportation. Policies purchased on or after September 17, 2016, may not provide coverage for claims related directly or indirectly to this bombing.
With reference to coverage under IMG’s iTravelInsured® SE and LX policies:
Accident & Sickness Medical Expense: Benefits will be paid for the covered expense incurred, up to the maximum benefit amount shown in the declarations page, as a result of a covered accidental injury, which first occurs during your trip. Only covered expenses incurred during your trip will be reimbursed. Expenses incurred after your trip are not covered.
Emergency Medical Evacuation: When you suffer loss of life for any reason or incur a sickness or injury during the course of your trip, the following benefits are payable, up to the maximum benefit amount shown in the declarations page. If the local attending legally qualified physician and iTravelInsured determine that transportation to a hospital or medical facility is medically necessary to treat an unforeseen sickness or injury which is acute or life threatening and adequate medical treatment is not available in the immediate area, the transportation expense incurred will be paid for the usual and customary charges for transportation to the closest hospital or medical facility capable of providing that treatment.
If you are traveling alone and will be hospitalized for more than 3 consecutive days and emergency evacuation is not imminent, benefits will be paid to transport one person, chosen by you, by economy transportation, for a single visit to and from your bedside.
If you are in the hospital for more than 3 consecutive days and your dependent children who are under 18 years of age and accompanying you on your trip are left unattended, economy transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by iTravelInsured).
In addition, benefits provided under IMG’s iTravelInsured LX policies include:
Cancel for Any Reason Coverage This benefits will be paid for 75% of the prepaid, forfeited, non-refundable payments or deposits you paid for your trip provided:
Your payment for this policy and enrollment form is received within 20 days of the date your initial payment or deposit for your trip is received and;
You insure 100% of the prepaid trip costs that are subject to cancellation penalties or restrictions and also insure within 20 days of the payment or deposit for those travel arrangements the cost of any subsequent travel arrangements (or any other travel arrangements not made through your travel agent) added to your trip; and
You cancel your trip two (2) days or more before your scheduled departure date.
Interruption for Any Reason Coverage: If you interrupt your trip, 48 hours or more after your actual departure date, for any reason not otherwise covered by this policy, benefits will be paid; up to 75% of the total amount of coverage you purchased, to reimburse you for the prepaid payments or deposits for unused non-refundable land or water travel arrangements.
In event of a claim please contact us at:
iTravelInsured Claims Department
P.O. Box 88503
Indianapolis, IN 46208-0500
Telephone: 1.866.243.7524 or 1.317.655.9798
For general inquiries please contact us at:
iTravelInsured Agency Services
P.O. Box 88509
Indianapolis, IN 46208-0509
Telephone: 1.866.347.6673 or 1.317.655.9796
The insurance described in this document is a brief description of coverage provided under Policy Form Series T-210 MP, underwritten by the United States Fire Insurance Company and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the plan documents for complete details. Coverage may vary or may not be available in all states. C&F and Crum & Forster are registered trademarks of United State Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015.