| This is a long page – You get lots of information and prices. This plan is only for Washington State residents. Click here if you live in the other States to see your correct information. |
| 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 |
 You have 20 days after your initial trip deposit date to get the SE and LX plan’s pre-existing condition waiver and the LX plan’s Cancel for Any Reason benefits. |
IMG SE & LX plans’ maximum trip length is 90 days |
| The IMG LX has $100,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation |
The IMG SE has $20,000 Secondary Emergency Medical & $100,000 Emergency Medical Evac / Repatriation |
| IMG SE plan’s maximum trip cost is $50,000 per person & LX plan’s maximum trip cost is $100,000 per person |
You can’t buy a policy for a trip departing more than 3 years from the purchase date |
| You can cancel your trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days after Your Effective Date |
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| 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. |
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| You don’t have to insure your full trip cost to get the pre-existing medical condition coverage. |
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| The IMG plans have a 60 day pre-existing conditions Lookback Period |
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| Cancellation due to Work Reasons coverage is included |
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| The IMG plans do not exclude stable pre-existing medical conditions of non-traveling family members |
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| IMG is one of the few companies we trust | |
| If you already know you want the IMG SE or LX plan, click here for IMG SE and LX’s secure online order form. You may also call us toll free at 1-888-407-3854 to order over the telephone, too. | |
IMG covers you for up to $100,000 (LX) Primary or $20,000 (SE) Secondary Emergency Medical, 150% Trip Interruption. 10 day money back Smile of Satisfaction Guarantee.
Download IMG’s Policy Wording: |
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| IMG SE Policy of Insurance |
IMG LX Policy of Insurance |
| A brief description is below. For LX coverage, terms, conditions and exclusions, select the IMG SE or LX Description of Coverage. | |
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 SE plan | Buy the IMG LX plan |
| Cancel For Any Reason | Not available | Included if the purchase requirements are met |
| Trip Cancellation (per person) | Up to the insured amount | |
| Trip Interruption (per person) | Up to 150% of the insured amount | |
| Emergency Medical (per person) – IMG can advance payment to a medical facility if needed to secure Your admission | $20,000 Secondary | $100,000 Primary |
| Emergency Medical Evacuation / Repatriation (per person) | $100,000 Primary | $1,000,000 Primary |
| 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 | |
| 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) | $500 (after 12 hours) $125 per day | $1,000 (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 | 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 (A Rated) | |
| 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 IMG’s LX Plan’s
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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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