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If you are receiving a full refund or travel credit due to Covid, IMG can change the dates on your policy. Click here to learn what you can do with your IMG iTI policy. |
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 SE and LX Trip Cancellation Plans
IMG SE and IMG LX have their strengths & quibbles: |
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Why Buy It? | Quibbles |
The SE has $250,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation and Repatriation | The SE plan’s medical is $20,000 Secondary for WA residents |
IMG SE & LX plans’ maximum trip cost is $150,000 per person for most States | IMG LX plan’s Cancel for Any Reason isn’t available to NY and WA residents |
You have 20 days after your initial trip deposit date to get the SE plan’s pre-existing condition and the LX plan’s Cancel for Any Reason benefits. | You can’t buy a policy for a trip departing more than 3 years from the purchase date |
You don’t have to insure your full trip cost to get the pre-existing medical condition coverage. | Cancellation due to a NOAA hurricane warning or watch must occur more than 14 days after Your Effective Date |
You have to buy the LX plan at or before the Final Payment for your trip to get the LX plan’s pre-existing condition waiver | The maximum trip length for NY and WA residents is 90 days |
Your domesticated dog(s) or cat(s) that live with you in your primary residence are covered the same as a family member for Trip Cancellation and Interruption except for NY residents. | The LX plan’s “Final Payment” means your last payment(s) or deposit(s) for your trip made to the organization or provider with whom your booking your trip. |
The IMG LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation | NY residents have $150,000 Primary Emergency Medical |
You can cancel your trip within 24 hours of Your Scheduled Departure Date if Your Scheduled Departure City or Scheduled Destination is under a hurricane warning or watch as issued by the NOAA National Hurricane Center | |
Advance payment may be made to a Hospital if needed to secure Your admission because of a covered Sickness or Injury which first occurs during the course of the Covered Trip. | |
IMG SE & LX plans’ maximum trip length is 180 days | |
The IMG plans have a 60 day pre-existing conditions Lookback Period | |
Cancellation due to Work Reasons coverage is included | |
The IMG plans do not exclude stable pre-existing medical conditions of non-traveling family members | |
IMG is one of the few companies we trust | |
If you already know you want the IMG SE plan, click here for IMG SE’s secure online order form or here for IMG LX’s secure online order form. You may call us toll free at 1-888-407-3854 to order over the telephone, too. |
IMG covers you for up to $500,000 Primary Emergency Medical (SE is secondary for WA residents), 150% Trip Interruption. 10 day money back Smile of Satisfaction Guarantee.
View or Download IMG’s State-Specific Policy Wordings: |
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IMG SE Policy Wording |
IMG LX Policy Wording |
A brief description is below. For SE or LX coverage, terms, conditions and exclusions, select the IMG SE or LX Policy Wordings. |
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The IMG SE & IMG LX plans cover: |
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Plan Name | IMG SE | IMG LX |
Secure online order link (you don’t pay extra fees using us) | Buy the IMG’s SE plan | Buy the IMG LX plan |
Cancel For Any Reason upgrade | Not available | Yes, if bought within 20 days of your Initial Trip Deposit Date |
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) – IMG can advance payment to a medical facility if needed to secure Your admission | $250,000 ($20,000 secondary for WA residents and $150,000 primary for NY residents) |
$500,000 ($100,000 for WA residents) |
Emergency Medical Evacuation / Repatriation (per person) $1,000 Dental Expense sublimit |
$500,000 | $1,000,000 |
Non-Medical Emergency Evacuation (per person) | No Coverage | $50,000 |
Your deadline to waive the Pre-Existing Condition exclusion | Your Initial Trip Deposit Date plus 20 days | No later than Final Trip payment |
Pre-Existing Condition Lookback Period | 60 Days (you or your Traveling Companion) | |
Travel Baggage (per person) | $1,500 | $2,500 |
Travel Baggage Delay (per person) | $250 (12 Hours or More) | $500 (12 Hours or More) |
Travel Delay (per person) | $2,000 (after 12 hours) $125 per day | $2,500 (after 6 hours) $250 per day |
Missed Connection (per person) | $500 (more than 6 hours) | $500 (more than 3 hours) |
Common Carrier AD&D (per person) | $25,000 | $100,000 |
$40,000 Rental Car Damage | $40,000 Included | |
24 Hour Emergency Assistance | Yes | |
Travel Supplier Financial Insolvency | 14 Day Wait if purchased not more than 20 days after your initial trip deposit date | |
Terrorist Incident coverage in Itinerary City | “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 | United States Fire Insurance Company or SiriusPoint America Insurance Company | |
Money Back Guarantee | 10 days | |
Secure online order link (you don’t pay extra fees using us) | Buy the IMG SE plan | Buy the IMG LX plan |
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here’s How the IMG LX Plan’s
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Here’s How the IMG LX Plan’s
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Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Kim or Steve at 888-407-3854 or 507-214-3854.
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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