This is a long page – You get lots of information and prices. The prices on this page are for anyone except MO, NY, PA and WA residents. Click here if you live in NY or PA, here if you live in MO or here if you live in WA. |
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. |
As of Feb 1, 2024 new IMG Trip Cancellation plans cover trips to Israel. CFAR isn’t available and losses due to, arising, or resulting from the conflict in Israel are not covered. |
IMG SE and LX Trip Cancellation Plans
IMG SE and IMG LX have their strengths & quibbles: |
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Why Buy It? | Quibbles |
The SE has $250,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation and Repatriation | The SE plan’s medical is $20,000 Secondary for MO, WA residents |
IMG SE & LX plans’ maximum trip cost is $150,000 per person for all States except MO, MT, NY, OR, PA and WA | IMG SE & LX plans’ maximum trip cost is $50,000 per person for MO, MT, NY, OR, PA and WA |
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. | You can’t buy a policy for a trip departing more than 2 years from the purchase date |
You don’t have to insure your full trip cost to get the pre-existing medical condition coverage. | |
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 | |
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. | |
IMG SE & LX plans’ maximum trip length is 180 days | |
The IMG plans have a 60 day pre-existing conditions Lookback Period | |
Cancellation due to Work Reasons coverage is included | |
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. |
IMG 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.
Download IMG’s Policy Wording: |
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IMG SE Policy of Insurance |
IMG LX Policy of Insurance |
A brief description is below. For SE or 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 & IMG LX plans cover: |
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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 | 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) $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 | |
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 the IMG LX Plan’s
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Here’s How the IMG LX Plan’s
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Here are the IMG SE Plan Prices:
Note this important IMG SE Plan pricing information:
- The table contains rates for Trip costs up to $150,000 per person
- Steve rounded the prices to the nearest integer
- It’s the same price for a trip of up to 31 days
- The daily per person rates for a 32 – 180 days’ trip varies by age
- Here’s the IMG SE secure online order form
The IMG SE Plan Prices: |
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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 | $569 | $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-$150,000 Multiply the following amounts by your trip cost to get the price: |
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$15,001-$150,000 | .0362 | .0506 | .0599 | .0721 | .0843 | .0991 | .1172 | .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 $150,000 per person
- Steve rounded the prices to the nearest integer
- It’s the same price for a trip of up to 31 days
- The daily per person rates for a 32 – 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) |
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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-$150,000 Multiply the following amounts by your trip cost to get the price: |
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$15,001-$150,000 | .1238 | .1382 | .152 | .1651 | .176 | .1894 | .2068 | .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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