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IMG SE and LX Trip Cancellation Plans

This is a long page – You get lots of information and prices. The prices on this page are for anyone except MO, MT, NY, OR, PA and WA residents. Click here if you live in MT, NY, OR or PA, here if you live in MO or here if you live in WA.

IMG SE and IMG LX have their strengths & quibbles:

Why Buy It? Quibbles
Forefinger bullet point The SE has $250,000 Primary Emergency Medical & $500,000 Emergency Medical Evac / Repatriation Forefinger bullet point The SE plan’s medical is $20,000 Secondary for MO, WA residents
Forefinger bullet point You have 20 days after your initial trip deposit date to get the SE plan’s pre-existing condition and the LX plan’s Any Reason benefits. Forefinger bullet point IMG SE & LX plans’ maximum trip cost is $50,000 per person for MO, WA residents
Forefinger bullet point IMG SE & LX plans’ maximum trip cost is $100,000 per person for all States except MO, WA residents Forefinger bullet point IMG does not refund you the premium if you lower your insured trip cost
Forefinger bullet point You have to buy the LX plan no later than your Final Trip payment to get the LX plan’s pre-existing condition waiver
Forefinger bullet point The IMG LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
Forefinger bullet point 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
Forefinger bullet point 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.
Forefinger bullet point IMG SE & LX plans’ maximum trip length is 180 days
Forefinger bullet point The IMG plans cover stable pre-existing medical conditions of non-traveling family member
Forefinger bullet point The IMG plans have a 60 day pre-existing conditions Lookback Period
Forefinger bullet point Cancellation due to Work Reasons coverage is included
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.

IMGIMG covers you for up to $500,000 Primary Emergency Medical (SE is secondary for MO and WA residents), 150% Trip Interruption. 10 day money back Smile of Satisfaction Guarantee.

IMG’s Policy of Insurance

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 & LX plans cover:

Plan Name IMG SE IMG LX
Secure online order link (you don’t pay extra fees using us) Buy IMG SE Buy IMG LX
Money Back Guarantee 10 days
Cancel For Any Reason Not available Available for a 50% surcharge 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 (SE is secondary for MO and WA residents) $500,000
Emergency Medical Evacuation / Repatriation (per person) $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) $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
(except TX residents
Optional upgrade: $7 per calendar day up to 31 days 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
Insurance Underwriter United States Fire Insurance Company (A Rated)
Secure online order link (you don’t pay extra fees using us) Buy the SE plan Buy the 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
Cancel For Any Reason Benefit Works:

Forefinger bullet point The IMG LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 50% surcharge if bought not more than 20 days after your initial trip deposit date.

If You cancel Your Trip for any reason not otherwise covered by the IMG LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

  1. You cancel Your Trip no later than two (2) days prior to the Scheduled Departure Date of Your Trip.

You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.

This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.

IMG will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us within the specified period.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Here’s How the IMG LX Plan’s
Interruption for Any Reason Works: Benefit Works:

Forefinger bullet point The IMG LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 50% surcharge if bought not more than 20 days after your initial trip deposit date.

If You cancel Your Trip for any reason not otherwise covered by the IMG LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip forty-eight (48) or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

  1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period; and
  2. You insure the full cost of any subsequent arrangements added to the same Trip within twenty (20) days of the date of Your payments for any subsequent Travel Arrangements.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

This benefit does not cover the failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Here are the IMG SE Plan Prices:

Note this important IMG SE Plan pricing information:

  • The table contains rates for Trip costs up to $100,000 per person
  • Steve rounded the prices to the nearest integer
  • It’s the same price for a trip of up to 30 days
  • The daily per person rates for a 31 – 180 days’ trip varies by age
  • Here’s the IMG SE secure online order form

The IMG SE Prices:

Per Person
Trip Cost
Ages
0-39
Ages
40-49
Ages
50-59
Ages
60-64
Ages
65-69
Ages
70-74
Ages
75-79
Ages
80-99
$1-$500 $24 34 36 40 46 53 65 93
$501-1,000 $37 51 57 67 78 92 113 157
$1,001-1,500 $53 73 82 98 114 135 163 225
$1,501-2,000 $68 93 10 128 150 178 214 291
$2,001-2,500 $83 116 134 159 186 220 264 356
$2,501-3,000 $100 139 160 191 223 263 314 420
$3,001-3,500 $117 161 186 222 260 307 364 483
$3,501-4,000 $134 185 213 255 298 349 414 546
$4,001-4,500 $151 208 242 288 335 392 464 608
$4,501-5,000 $168 233 270 321 373 436 515 668
$5,001-5,500 $186 257 298 354 411 480 564 730
$5,501-6,000 $204 281 327 389 448 524 614 792
$6,001-6,500 $222 307 355 421 489 569 665 855
$6,501-7,000 $241 332 384 456 529 614 717 918
$7,001-7,500 $259 358 414 491 568 661 770 982
$7,501-8,000 $278 382 444 526 608 706 823 1,047
$8,001-8,500 $297 408 475 562 650 754 878 1,114
$8,501-9,000 $316 436 505 598 692 803 934 1,183
$9,001-9,500 $335 463 536 635 735 852 991 1,255
$9,501-10,000 $355 490 568 673 778 902 1,050 1,329
$10,001-10,500 $359 498 584 697 808 940 1,097 1,394
$10,501-11,000 $377 524 616 735 853 993 1,159 1,474
$11,001-11,500 $398 551 648 774 899 1,047 1,223 1,558
$11,501-12,000 $416 580 681 814 946 1,103 1,289 1,646
$12,001-12,500 $436 608 715 855 995 1,160 1,357 1,738
$12,501-13,000 $457 636 749 897 1,043 1,219 1,430 1,835
$13,001-13,500 $477 664 783 939 1,094 1,281 1,504 1,936
$13,501-14,000 $496 694 818 983 1,147 1,343 1,581 2,043
$14,001-14,500 $517 724 855 1,028 1,200 1,408 1,661 2,156
$14,501-15,000 $539 753 893 1,074 1,255 1,476 1,744 2,274
Prices for $15,001-$100,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000 0.0359 0.0502 0.0594 0.0716 0.0836 0.0984 0.1163 0.1516
Per Day Cost for Over 31 days Trip Length:
$2.41 3.50 3.80 4.45 5.35 6.77 9.11 15.56

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 are the IMG LX Plan Prices:

Note this important IMG LX Plan pricing information:

  • The table contains rates for Trip costs up to $100,000 per person
  • Steve rounded the prices to the nearest integer
  • It’s the same price for a trip of up to 30 days
  • The daily per person rates for a 31 – 180 days’ trip varies by age
  • Multiply the LX price by 1.5 to get the 75% “Cancel & Interrupt For Any Reason” price
  • Here’s the IMG LX secure online order form

The IMG LX Prices:

(Add 50% to get the Cancel & Interrupt For Any Reason” prices)

Per Person
Trip Cost
Ages
0-39
Ages
40-49
Ages
50-59
Ages
60-64
Ages
65-69
Ages
70-74
Ages
75-79
Ages
80-99
$1-$500 $33 41 45 54 59 70 86 126
$501-$1,000 $94 106 116 128 138 154 176 229
$1,001-1,500 $114 130 148 167 184 206 238 314
$1,501-2,000 $135 157 181 208 231 262 305 399
$2,001-2,500 $159 185 218 250 282 318 370 483
$2,501-3,000 $183 214 254 294 330 376 436 565
$3,001-3,500 $208 244 291 340 382 434 503 648
$3,501-4,000 $235 277 330 385 434 492 570 729
$4,001-4,500 $263 309 371 434 486 551 637 811
$4,501-5,000 $291 343 413 482 540 612 705 893
$5,001-5,500 $321 379 455 530 597 674 776 975
$5,501-6,000 $352 415 499 582 653 738 846 1,059
$6,001-6,500 $385 454 546 635 711 800 918 1,142
$6,501-7,000 $419 493 592 689 770 868 990 1,227
$7,001-7,500 $455 535 641 744 832 935 1,066 1,317
$7,501-8,000 $492 579 692 803 895 1,005 1,142 1,406
$8,001-8,500 $550 643 763 881 977 1,091 1,237 1,511
$8,501-9,000 $618 718 845 966 1,067 1,187 1,337 1,623
$9,001-9,500 $694 801 934 1,060 1,166 1,289 1,445 1,740
$9,501-10,000 $784 899 1,035 1,166 1,275 1,402 1,562 1,869
$10,001-10,500 $868 991 1,133 1,268 1,378 1,511 1,676 1,993
$10,501-11,000 $986 1,119 1,264 1,402 1,516 1,649 1,818 2,145
$11,001-11,500 $1,127 1,268 1,417 1,555 1,670 1,805 1,976 2,313
$11,501-12,000 $1,292 1,444 1,594 1,732 1,847 1,982 2,156 2,497
$12,001-12,500 $1,369 1,530 1,686 1,832 1,952 2,095 2,278 2,641
$12,501-13,000 $1,447 1,615 1,779 1,932 2,058 2,209 2,403 2,791
$13,001-13,500 $1,525 1,702 1,873 2,033 2,167 2,327 2,532 2,947
$13,501-14,000 $1,603 1,788 1,968 2,138 2,276 2,446 2,664 3,107
$14,001-14,500 $1,682 1,876 2,065 2,242 2,389 2,567 2,801 3,277
$14,501-15,000 $1,760 1,965 2,161 2,347 2,502 2,693 2,941 3,453
Prices for $15,001-$100,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000 0.1235 0.1379 0.1517 0.1647 0.1756 0.1890 0.2064 0.2423
Per Day Cost for Over 31 days Trip Length:
$4.70 5.96 6.78 7.98 9.42 11.69 15.57 26.27

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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