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 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.

IMG SE and IMG LX have their strengths & quibbles:
Why Buy It?	Quibbles
The IMG SE has $150,000 Primary Emergency Medical & $500,000 Emergency Medical Evac / Repatriation	The SE plan’s medical is $20,000 Secondary for MO, WA residents
You have 20 days after your initial trip deposit date to get the SE plan’s pre-existing condition	IMG SE & LX plans’ maximum trip length is 90 days
IMG SE & LX plans’ maximum trip cost is $100,000 per person for all States except MO and WA residents	IMG SE & LX plans’ maximum trip cost is $50,000 per person for MO and WA residents
You have to buy the LX plan no later than 24 hours after your Final Trip payment to get the LX plan’s pre-existing condition waiver
The IMG LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
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
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.
The IMG plans cover stable pre-existing medical conditions of non-traveling family member
The IMG plans have a 60 day pre-existing conditions Lookback Period
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.

IMG covers you for up to $500,000 (LX) or $150,000 (SE) Primary Emergency Medical (SE is secondary for FL, KS, MO, VA 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 40% surcharge
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 (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 24 hours after your 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 IMG’s LX Plan’s Cancel For Any Reason Benefit Works: The IMG 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 LX policy, you will be reimbursed for 75% of the non-refundable prepaid expenses for Travel Arrangements You paid for Your Trip, provided: Your payment for this plan is received not more than 20 days after Your initial deposit/payment for Your Trip; and You insure 100% of all prepaid Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and You cancel Your Trip two (2) days or more before Your Scheduled Departure Date; or 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 SE Plan Prices:

Note this important IMG SE 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 30 days
• The daily per person rates for a 31 – 90 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	$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	0.0331	0.0463	0.0549	0.0661	0.0772	0.0908	0.1073	0.1399
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 LX Plan Prices:

Note this important IMG 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 30 days
• The daily per person rates for a 31 – 90 days’ trip varies by age
• Multiply the LX price by 1.4 to get the 75% “Cancel & Interrupt For Any Reason” price
• Here’s the IMG LX secure online order form

The IMG LX Prices without Cancel for Any Reason:
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	0.0958	0.107	0.1177	0.1278	0.1362	0.1466	0.1601	0.188
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

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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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