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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 Evacuation and 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) $2,000 (after 12 hours) $150 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
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 Plan 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 $66 $94
$501-1,000 $37 $51 $58 $68 $79 $93 $114 $158
$1,001-1,500 $54 $73 $83 $98 $115 $136 $164 $227
$1,501-2,000 $69 $94 $108 $129 $151 $179 $215 $294
$2,001-2,500 $84 $117 $135 $160 $188 $222 $266 $359
$2,501-3,000 $100 $140 $162 $192 $225 $265 $317 $424
$3,001-3,500 $118 $163 $188 $224 $262 $309 $367 $487
$3,501-4,000 $135 $187 $215 $257 $300 $352 $417 $550
$4,001-4,500 $152 $210 $243 $290 $337 $395 $467 $612
$4,501-5,000 $169 $235 $272 $323 $376 $439 $519 $674
$5,001-5,500 $188 $259 $300 $357 $414 $484 $566 $736
$5,501-6,000 $205 $284 $330 $391 $452 $528 $619 $798
$6,001-6,500 $224 $309 $358 $425 $492 $573 $670 $861
$6,501-7,000 $242 $334 $386 $460 $533 $619 $723 $925
$7,001-7,500 $261 $360 $417 $495 $572 $666 $776 $989
$7,501-8,000 $281 $385 $448 $531 $612 $712 $830 $1,054
$8,001-8,500 $299 $412 $478 $567 $655 $760 $884 $1,122
$8,501-9,000 $319 $439 $509 $603 $698 $809 $941 $1,192
$9,001-9,500 $337 $466 $540 $640 $740 $858 $999 $1,264
$9,501-10,000 $358 $493 $572 $678 $784 $909 $1,058 $1,339
$10,001-10,500 $361 $502 $588 $702 $814 $948 $1,106 $1,405
$10,501-11,000 $380 $528 $621 $740 $859 $1,001 $1,168 $1,486
$11,001-11,500 $401 $556 $653 $779 $906 $1,054 $1,232 $1,570
$11,501-12,000 $419 $584 $687 $820 $953 $1,111 $1,299 $1,658
$12,001-12,500 $439 $612 $720 $861 $1,002 $1,169 $1,368 $1,751
$12,501-13,000 $461 $641 $754 $901 $1,051 $1,228 $1,441 $1,849
$13,001-13,500 $480 $669 $789 $946 $1,103 $1,290 $1,515 $1,951
$13,501-14,000 $500 $700 $824 $990 $1,156 $1,354 $1,593 $2,059
$14,001-14,500 $521 $729 $861 $1,036 $1,210 $1,419 $1,673 $2,172
$14,501-15,000 $543 $759 $898 $1,082 $1,264 $1,487 $1,757 $2,291
Prices for $15,001-$100,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000 0.0362 0.0506 0.0599 0.0721 0.0843 0.0991 0.1172 0.1528
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 $117 $128 $139 $154 $176 $230
$1,001-1,500 $114 $131 $148 $167 $184 $206 $239 $315
$1,501-2,000 $135 $157 $182 $209 $232 $262 $305 $400
$2,001-2,500 $160 $185 $218 $251 $282 $318 $371 $484
$2,501-3,000 $183 $215 $254 $295 $331 $377 $437 $567
$3,001-3,500 $209 $245 $292 $340 $382 $435 $504 $649
$3,501-4,000 $236 $278 $331 $386 $435 $493 $571 $731
$4,001-4,500 $264 $310 $372 $435 $487 $553 $639 $813
$4,501-5,000 $292 $344 $414 $483 $541 $613 $707 $895
$5,001-5,500 $322 $380 $456 $535 $598 $675 $778 $977
$5,501-6,000 $353 $416 $500 $583 $654 $739 $848 $1,061
$6,001-6,500 $386 $455 $547 $637 $712 $802 $920 $1,145
$6,501-7,000 $420 $494 $593 $690 $772 $870 $992 $1,230
$7,001-7,500 $456 $536 $642 $746 $834 $937 $1,068 $1,320
$7,501-8,000 $493 $581 $694 $805 $897 $1,007 $1,145 $1,410
$8,001-8,500 $552 $645 $765 $884 $979 $1,094 $1,239 $1,515
$8,501-9,000 $619 $719 $841 $968 $1,069 $1,189 $1,340 $1,627
$9,001-9,500 $696 $803 $936 $1,062 $1,168 $1,292 $1,448 $1,744
$9,501-10,000 $786 $901 $1,038 $1,168 $1,278 $1,405 $1,566 $1,874
$10,001-10,500 $870 $993 $1,136 $1,271 $1,382 $1,515 $1,680 $1,997
$10,501-11,000 $989 $1,122 $1,267 $1,405 $1,519 $1,653 $1,822 $2,150
$11,001-11,500 $1,130 $1,271 $1,420 $1,559 $1,674 $1,810 $1,981 $2,318
$11,501-12,000 $1,295 $1,447 $1,597 $1,736 $1,852 $1,987 $2,161 $2,503
$12,001-12,500 $1,372 $1,533 $1,690 $1,836 $1,957 $2,100 $2,283 $2,647
$12,501-13,000 $1,450 $1,618 $1,783 $1,937 $2,063 $2,214 $2,409 $2,797
$13,001-13,500 $1,529 $1,706 $1,877 $2,038 $2,172 $2,332 $2,538 $2,953
$13,501-14,000 $1,607 $1,792 $1,973 $2,143 $2,282 $2,452 $2,670 $3,114
$14,001-14,500 $1,686 $1,881 $2,070 $2,247 $2,395 $2,573 $2,808 $3,285
$14,501-15,000 $1,764 $1,969 $2,166 $2,353 $2,508 $2,699 $2,948 $3,461
Prices for $15,001-$100,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000 0.1238 0.1382 0.152 0.1651 0.176 0.1894 0.2068 0.2429
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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