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This is a long page – You get lots of information and prices. The prices on this page are for MT, NY, OR and PA residents. Click here if you live in MO or here if you live in WA or here if you live in the other States to see your correct information.
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 first payment 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 iTravelInsured SE and LX Trip Cancellation Plans

IMG iTI SE and IMG iTI LX have their strengths & quibbles:

Why Buy It? Quibbles
Forefinger bullet point The IMG iTravelInsured SE has $150,000 Primary Emergency Medical & $500,000 Emergency Medical Evac / Repatriation Forefinger bullet point The iTravelInsured SE plan’s medical is $20,000 Secondary for MO, WA residents
Forefinger bullet point You have to buy the SE plan within 20 days after your initial trip deposit date to get the SE plan’s pre-existing condition Forefinger bullet point IMG iTravelInsured SE & LX plans’ maximum trip length is 90 days
Forefinger bullet point IMG iTravelInsured SE & LX plans’ maximum trip cost is $100,000 per person for all States except MO and WA residents Forefinger bullet point IMG iTravelInsured SE & LX plans’ maximum trip cost is $50,000 per person for MO and WA residents
Forefinger bullet point MT, PA and NY residents have to buy the iTravelInsured LX plan at or before the Final Trip payment for Your Trip to get the iTravelInsured LX plan’s pre-existing condition waiver Forefinger bullet point IMG does not refund you the premium if you lower your insured trip cost
Forefinger bullet point You don’t have to insure your full trip cost to get the pre-existing medical condition coverage.
Forefinger bullet point OR residents have to buy the LX plan within 20 days after the initial trip deposit date to get the LX plan’s pre-existing condition and the LX plan’s Cancel for Any Reason benefits.
Forefinger bullet point The IMG iTravelInsured 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 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 iTravelInsured is one of the few companies we trust
If you already know you want the IMG iTravelInsured SE or LX plan, click here for IMG iTravelInsured SE’s or 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 iTravelInsured IMG iTravelInsured covers you for up to $500,000 (LX) or $150,000 (SE) Primary Emergency Medical (SE is secondary for MO and WA residents), 150% Trip Interruption. 10 day money back Smile of Satisfaction Guarantee.

Download IMG iTravelInsured’s Policy Wording:

IMG iTravelInsured SE
Policy of Insurance
IMG iTravelInsured LX
Policy of Insurance
A brief description is below. For iTravelInsured SE or LX coverage, terms, conditions and exclusions, select the IMG iTravelInsured 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 iTI SE & IMG iTI LX plans cover:

Plan Name IMG iTravelInsured SE IMG iTravelInsured LX plan
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 Available for a 40% surcharge within 20 days of your Initial Trip Deposit Date, but not for NY residents.
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 $150,000 $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 OR residents deadline is the Initial Trip Deposit Date plus 20 days. MT, PA and NY residents’ deadline is at or before the Final Payment for your trip
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
Rental Car Damage $40,000 for $7 per calendar day you have the car $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 (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 iTravelInsured LX Plan’s
Cancel For Any Reason Benefit Works:

Forefinger bullet point The IMG iTravelInsured LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 40% 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 iTravelInsured LX policy, you will be reimbursed for 75% of the non-refundable prepaid expenses for Travel Arrangements You paid for Your Trip, provided:

  1. Your payment for this plan is received not more than 20 days after Your initial deposit/payment for Your Trip; and
  2. You insure 100% of all prepaid Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and
  3. You cancel Your Trip two (2) days or more before Your Scheduled Departure Date; or
  4. You interrupt Your Trip, 48 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to 75% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements.

Here are the IMG iTravelInsured SE Plan Prices:

Note this important IMG iTravelInsured SE Plan pricing information:

The IMG iTravelInsured 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 $22 $31 $33 $37 $42 $49 $60 $86
$501-$1,000 $34 $47 $53 $62 $72 $85 $104 $145
$1,001-$1,500 $49 $67 $76 $90 $105 $125 $150 $208
$1,501-$2,000 $63 $86 $99 $118 $138 $164 $197 $269
$2,001-$2,500 $77 $107 $124 $147 $172 $203 $244 $329
$2,501-$3,000 $92 $128 $148 $176 $206 $243 $290 $388
$3,001-$3,500 $108 $149 $172 $205 $240 $283 $336 $446
$3,501-$4,000 $124 $171 $197 $235 $275 $322 $382 $504
$4,001-$4,500 $139 $192 $223 $266 $309 $362 $428 $561
$4,501-$5,000 $155 $215 $249 $296 $344 $402 $475 $617
$5,001-$5,500 $172 $237 $275 $327 $379 $443 $521 $674
$5,501-$6,000 $188 $259 $302 $358 $414 $484 $567 $731
$6,001-$6,500 $205 $283 $328 $389 $451 $525 $614 $789
$6,501-$7,000 $222 $306 $354 $421 $488 $567 $662 $847
$7,001-$7,500 $239 $330 $382 $453 $524 $610 $711 $906
$7,501-$8,000 $257 $353 $410 $486 $561 $652 $760 $966
$8,001-$8,500 $274 $377 $438 $519 $600 $696 $810 $1,028
$8,501-$9,000 $292 $402 $466 $552 $639 $741 $862 $1,092
$9,001-$9,500 $309 $427 $495 $586 $678 $786 $915 $1,158
$9,501-$10,000 $328 $452 $524 $621 $718 $833 $969 $1,227
$10,001-$10,500 $331 $460 $539 $643 $746 $868 $1,013 $1,287
$10,501-$11,000 $348 $484 $569 $678 $787 $917 $1,070 $1,361
$11,001-$11,500 $367 $509 $598 $714 $830 $966 $1,129 $1,438
$11,501-$12,000 $384 $535 $629 $751 $873 $1,018 $1,190 $1,519
$12,001-$12,500 $402 $561 $660 $789 $918 $1,071 $1,253 $1,604
$12,501-$13,000 $422 $587 $691 $828 $963 $1,125 $1,320 $1,694
$13,001-$13,500 $440 $613 $723 $867 $1,010 $1,182 $1,388 $1,787
$13,501-$14,000 $458 $641 $755 $907 $1,059 $1,240 $1,459 $1,886
$14,001-$14,500 $477 $668 $789 $949 $1,108 $1,300 $1,533 $1,990
$14,501-$15,000 $497 $695 $823 $991 $1,158 $1,362 $1,610 $2,099
Prices for $15,001 – $100,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000 .0331 .0463 .0549 .0661 .0772 .0908 .1073 .1399
Per Day Cost for Over 31 days Trip Length:
$2.22 $3.23 $3.50 $4.11 $4.94 $6.25 $8.41 $14.36

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 iTravelInsured LX Plan Prices:

Note this important IMG iTravelInsured LX Plan pricing information:

  • The table contains rates for Trip costs up to $100,000 per person
  • It’s the same price for a trip of up to 31 days
  • The daily per person rates for a 32 – 90 days’ trip varies by age
  • Multiply the iTravelInsured LX price by 1.4 to get the 75% Cancel & Interrupt For Any Reason price
  • Here’s the IMG iTravelInsured LX secure online order form

The IMG iTravelInsured LX Prices:

(Add 40% 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
$0-$500 $27 $33 $37 $44 $48 $57 $70 $103
$501-$1,000 $77 $86 $95 $105 $113 $125 $143 $187
$1,001-$1,500 $93 $106 $121 $136 $150 $168 $195 $257
$1,501-$2,000 $110 $128 $148 $170 $189 $214 $249 $326
$2,001-$2,500 $130 $151 $178 $204 $230 $259 $302 $394
$2,501-$3,000 $149 $175 $207 $240 $270 $307 $356 $462
$3,001-$3,500 $170 $200 $238 $277 $312 $354 $410 $529
$3,501-$4,000 $192 $226 $270 $314 $354 $402 $466 $596
$4,001-$4,500 $215 $253 $303 $354 $397 $450 $521 $662
$4,501-$5,000 $238 $280 $337 $393 $441 $500 $576 $730
$5,001-$5,500 $262 $310 $371 $433 $487 $550 $634 $796
$5,501-$6,000 $288 $339 $408 $475 $533 $602 $691 $865
$6,001-$6,500 $314 $371 $446 $519 $580 $654 $750 $933
$6,501-$7,000 $342 $403 $484 $562 $629 $709 $808 $1,002
$7,001-$7,500 $371 $437 $523 $608 $679 $764 $870 $1,075
$7,501-$8,000 $402 $473 $565 $656 $731 $821 $933 $1,149
$8,001-$8,500 $449 $525 $623 $719 $798 $891 $1,010 $1,234
$8,501-$9,000 $504 $586 $690 $789 $871 $969 $1,092 $1,325
$9,001-$9,500 $567 $655 $763 $865 $952 $1,053 $1,180 $1,421
$9,501-$10,000 $640 $734 $846 $952 $1,041 $1,145 $1,276 $1,527
$10,001-$10,500 $709 $809 $925 $1,036 $1,126 $1,234 $1,369 $1,627
$10,501-$11,000 $806 $914 $1,033 $1,145 $1,238 $1,347 $1,485 $1,752
$11,001-$11,500 $921 $1,036 $1,157 $1,270 $1,364 $1,474 $1,614 $1,889
$11,501-$12,000 $1,055 $1,179 $1,302 $1,415 $1,509 $1,619 $1,760 $2,040
$12,001-$12,500 $1,118 $1,249 $1,377 $1,496 $1,594 $1,711 $1,860 $2,157
$12,501-$13,000 $1,182 $1,319 $1,453 $1,578 $1,681 $1,804 $1,963 $2,279
$13,001 -$13,500 $1,245 $1,390 $1,530 $1,661 $1,770 $1,900 $2,068 $2,406
$13,501-$14,000 $1,309 $1,460 $1,607 $1,746 $1,859 $1,998 $2,176 $2,537
$14,001-$14,500 $1,374 $1,532 $1,686 $1,831 $1,951 $2,097 $2,288 $2,676
$14,501-$15,000 $1,437 $1,605 $1,765 $1,917 $2,043 $2,199 $2,402 $2,820
Prices for $15,001 – $100,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$100,000 .0958 .107 .1177 .1278 .1362 .1466 .1601 .188
Per Day Cost for Over 31 days Trip Length:
$3.65 $4.63 $5.26 $6.19 $7.31 $9.07 $12.08 $20.38

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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