| This is a long page – You get lots of information |
| This IMG Choice plan page is for MO, MT, MN, OR or NY residents. Click here for the other States. |
| This is important: If you are making any of your payments with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit. |
| IMG plans bought after 8/13/2024 will not cover trips to Afghanistan, Belarus, Cuba, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen. |
IMG Choice Trip Cancellation Plan
Click here to see the IMG SE and LX Plans
The IMG Choice plan has its strengths & quibbles: |
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| Why Buy It? | Quibbles |
 IMG Choice has $100,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation and Repatriation |
The maximum trip length is 90 days |
| You have 21 days after your initial trip deposit date to get the Choice plan’s pre-existing condition coverage. |
IMG Choice’s maximum trip cost is $10,000 per person |
| You don’t have to insure your full trip cost to get the pre-existing medical condition coverage. |
There are no optional upgrades for MO, MT, MN, OR and NY residents. |
| Advance payment may be made to a Hospital if needed to secure Your admission for a covered Sickness or Injury which first occurs during the course of the Covered Trip. |
|
| There’s a 60 day pre-existing conditions Lookback Period |
Cancel for Work Reasons isn’t covered |
| The IMG plans do not exclude stable pre-existing medical conditions of non-traveling family members |
Pets aren’t covered |
| IMG is one of the few companies we trust | |
| If you already know you want the IMG Choice plan, click here for IMG Choice’s secure online order form. | |
IMG covers you with $100,000 Primary Emergency Medical, $500,000 Emergency Medical Transportation, 150% Trip Interruption and more. 10 day money back Smile of Satisfaction Guarantee.
View or Download the Choice Plan’s Policy Wording |
Ready to Order? It’s easy (and safe) to order online.
The IMG Choice plan covers: |
||
| Plan Benefits | IMG Choice | |
| Secure online order link (you don’t pay extra fees using us) | Buy the IMG’s Choice plan | |
| Trip Cancellation (per person) | Up to the insured amount | |
| Trip Interruption (per person) | Up to 150% of the insured amount | |
| Primary Emergency Medical (per person) | $100,000 ($750 Dental Expense sublimit) |
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| Emergency Medical Evacuation / Repatriation (per person) | $500,000 | |
| Non-Medical Emergency Evacuation (per person) | Political or Personal Security Evacuation Maximum Benefit $100,000 and Natural Disaster Evacuation Maximum Benefit $100,000 | |
| Your deadline to waive the Pre-Existing Condition exclusion | Your Initial Trip Deposit Date plus 20 days | |
| Pre-Existing Condition Lookback Period | 60 Days for any Traveller | |
| Travel Baggage (per person) | $1,000 ($250 per article maximum) | |
| Travel Baggage Delay (per person) | $300 (after 6 hours) | |
| Travel Delay (per person) | $1,000 (after 6 hours at $150 per day) | |
| Missed Connection (per person) | $500 (after a 6 delay) | |
| 27/7 AD&D (per person) | $10,000 | |
| 3rd Party Travel Supplier Financial Insolvency deadline | 14 Day Wait if bought by the Initial Trip Deposit Date plus 20 days | |
| Terrorist Incident coverage in Itinerary City Note: There can’t be any Terrorist Incidents during the 60 days prior to purchase, even if it happens after the cancellation benefit is in effect. |
“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.” | |
| Insurance Underwriter | SiriusPoint America Insurance Company | |
| Money Back Guarantee | 10 days | |
| Secure online order link (you don’t pay extra fees) | Buy the IMG Choice plan | |
Ready to Purchase? It's easy and safe to purchase online.
PS - Read Steve's Blog or you may Subscribe to Steve's blog here
PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.
PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.
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