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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:
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 WA residents and both the SE and LX plans are Secondary for MO residents
Forefinger bullet point IMG SE & LX plans’ maximum trip cost is $150,000 per person for most States Forefinger bullet point IMG LX plan’s Cancel for Any Reason isn’t available to NY and 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 Cancel for Any Reason benefits. Forefinger bullet point You can’t buy a policy for a trip departing more than 3 years from the purchase date
Forefinger bullet point You don’t have to insure your full trip cost to get the pre-existing medical condition coverage. Forefinger bullet point Cancellation due to a NOAA hurricane warning or watch must occur more than 14 days after Your Effective Date
Forefinger bullet point 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 Forefinger bullet point The maximum trip length for NY and WA residents is 90 days
Forefinger bullet point 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 MO, NY and WA residents. Forefinger bullet point 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.
Forefinger bullet point The IMG LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation Forefinger bullet point NY residents have $150,000 Primary Emergency Medical
Forefinger bullet point 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
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 have a 60 day pre-existing conditions Lookback Period
Forefinger bullet point Cancellation due to Work Reasons coverage is included
Forefinger bullet point 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.

IMGIMG 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:
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:
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, Secondary for MO residents and $150,000 primary for NY residents)		 $500,000
($100,000 for WA residents and Secondary for MO 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 (not for NY residents) $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
Cancel For Any Reason Benefit Works:

There’s an optional 75% Cancel and Interrupt For Any Reason upgrade 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:

If you interrupt Your Trip forty-eight (48) or more hours after the actual Scheduled Departure Date 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, 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.

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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