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Compare IMG travel insurance - Travel lite vs Travel SE vs Travel LX

International Medical Group, IMG offers three travel insurance plans with Covid quarantine coverage and Cancel for any reasons options. IMG's travel insurance provides coverage for unexpected medical expenses dues to accident or sickness as well as insure the trip expense investment in case of a trip cancellation or delay. The Travel LX plan even has the cancel for any reason benefit where the insured can get up to 75% of the trip expenses for trip cancellation. Compare the different IMG Travel insurance plan benefits at Compare IMG Travel Insurance.

Covid Quarantine IMG Travel Insurance

  • Travel Lite Covid Quarantine Benefit: Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
  • US Residents on domestic and worldwide trips.
  • Travel SE Covid Quarantine Benefit: Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
  • Travel LX Covid Quarantine Benefit: Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
quarantine coverage

Compare popular covid quarantine travel insurance plans

Travelers (Age)
Origin
Destination
Primary Residence
Trip cost
Start date
End date
Compare Travel Plans
Lite   SE    LX 
Travel Lite
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Travel SE
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Travel LX
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 Plan Summary

Trip Cost Minimum Trip Cost: $200
Maximum Trip Cost: $25,000
Minimum Trip Cost: $300
Maximum Trip Cost: $100,000#1
Minimum Trip Cost: $500
Maximum Trip Cost: $100,000
Maximum Trip Length? Up to 180 days Up to 180 days Up to 180 days
Maximum Age? Up to 99 years Up to 99 years Up to 99 years
Coverage Type? Secondary Primary Primary

 Trip Protection

Trip Delay / Quarantine coverage? $500 ($125 per Day) after an initial delay of 12 hrs $500 ($125 per Day) after an initial delay of 12 hrs $1,000 ($250 per Day) after an initial delay of 6 hrs
Trip Cancellation? Up to 100% of insured trip cost Up to 100% of insured trip cost Up to 100% of insured trip cost
Trip Interruption? Up to 125% of insured trip cost per person Up to 150% of insured trip cost per person Up to 150% of insured trip cost per person
Cancel for Any Reason (CFAR)**? Not Covered Not Covered 75% of non-refundable insured trip cost (An additional cost applies if CFAR is selected)
Trip Interruption For Any Reason (IFAR)**? Not Covered Not Covered 75% of non-refundable insured trip cost(An additional cost applies if IFAR is selected.)
Change Fee? Not Covered Up to $150 per person Up to $300 per person
Rental Car Damage and Theft Coverage? Not Covered Up to $40,000 per covered vehicle Up to $40,000 per covered vehicle
Missed Trip Connection? Not Covered $500 after an initial Common Carrier delay of 6 hrs $500 after an initial Common Carrier delay of 3 hrs
Traveling Companion Bedside Companion Daily Benefit Not Covered Not Covered Up to $200 per day($1,000 max per person)
Frequent Traveler Reward Not Covered Up to $75 per person Up to $75 per person
Pet Kennel Not Covered $100 per day($300 max per pet) $100 per day($500 max per pet)
Medical Evacuation and Repatriation of Remains Benefit? Up to $500,000 per person Up to $500,000 per person Up to $1,000,000 per person
Return Transportation Included Included Included
Transportation of Children/Child Included Included Included
Bedside Visit Transportation to Join You Included Included Included
Hospital of Choice Not Covered Not Covered Included
Search and Rescue Not Covered Not Covered Up to $10,000 per person
Political or Security Evacuation and Natural Disaster Evacaution Not Covered Not Covered $50,000 per event per person

 Protection for your belongings

Baggage and Personal Effects? $750($250 max per item) $1,500($250 max per item) $2,500($250 max per item)
Replacement of Passport, Visa, or Other Travel Documents Included Included Included
Sports Equipment Rental Not Covered Not Covered Up to $500 per day($2,000 max per person)
Baggage Delay? Up to $150 Up to $250 Up to $500

 Accident death and dismemberment

Common Carrier? Not Available $25,000 $100,000
Exposure Not Available Not Available Included
Disappearance Not Available Not Available Included

 Travel Insurance

Accident & Sickness Medical and Dental Expense? Up to $100,000 per person Up to $250,000 per person Up to $500,000 per person
Dental Expense Sublimit $1,000 per trip $1,000 per trip $1,000 per trip
Underwriter Travel Lite Insurance Underwriter
Underwritten by United States Fire Insurance Company
Travel SE Insurance Underwriter
Underwritten by United States Fire Insurance Company
Travel LX Insurance Underwriter
Underwritten by United States Fire Insurance Company
Rating Travel Lite Insurance Rating
AM Best Rating: "A"(Excellent)
Travel SE Insurance Rating
AM Best Rating: "A" (Excellent)
Travel LX Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details
#1Missouri (MO) and Washington (WA) states maximum trip cost is up to $50,000 for Travel SE.

Travel Lite plans are not available for Missouri (MO) and Washington (WA) states.

*The trip cancellation benefit is determined by the amount of your trip you elect to protect, up to the maximum benefit stated above.

**You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit. 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. You must cancel your trip two days or more before your scheduled departure date. An additional cost will apply.

***Excess insurance: Shall be in excess of all other valid and collectible insurance or indemnity.
Adventure Sports

IMG Travel Sport insurance

IMG Travel Sport insurance is specifically designed for adventure-seekers and offers flexible sport and adventure travel protection while away from home.

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International Medical Group Insurance - Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

IMG trip cancellation insurance for Covid illness

Will the IMG plans offer protection of loss of trip costs due to a positive COVID test prior to traveling (person may be asymptomatic) since the person is unable to travel? (The policy mentions "sickness" but this may not be a debilitating illness, but it does prevent travel)

Will the IMG plans offer protection should the person test positive during their trip at any time?

COVID-19 is treated the same as any other sickness for purposes of all coverage that are triggered by sickness or that can reimburse losses resulting from a sickness including death caused by sickness. Depending on the Plan Design, this can include but is not necessarily limited to the following (including the sub-benefits of many of these):

  • Trip Cancellation,
  • Trip Interruption,
  • Accident and Sickness Medical Expense;
  • Emergency Medical Evacuation / Medical Repatriation / Return of Remains

Will trip delay include coverage for quarantine for COVID (or other illness)?

Regardless of the terms of the Plan, United States Fire Insurance Company has made the administrative decision to allow for coverage to be extended for the entire duration of a COVID-19 related quarantine, and coverage will be extended for five additional days following the end of the quarantine provided the travelers have not arrived back in their return destination city.

If the travelers incur additional hotel or meal expenses solely due to a quarantine, they will not receive any reimbursement under the Trip Interruption coverage either. Trip Interruption coverage may include a provision that provides reimbursement for additional hotel nights and meals (among other expenses) if the travelers cannot continue travel due to a sickness that does not cause them to need to be hospitalized. Please note that the travelers would actually need to be sick, as certified by a Legally Qualified Physician (as defined by your Plan), for this to apply if this provision is in their Plan.

However, when included in a Plan Design, the Travel Delay and Missed Connection coverages may be able to reimburse additional meal and hotel expenses incurred solely due to a quarantine (subject to the terms and conditions of the applicable coverage).

When does the insurance coverage start on the IMG trip cancellation insurance plan?

The trip cancellation insurance coverage starts on the day following the purchase of the policy. The trip cancellation insurance plan will cover the traveler for factors such as trip cancellation even before the departure date of the trip.

Do these IMG trip plans cover the traveler if infected by Covid?

If the traveler becomes ill with the Covid19 virus while they are insured, it will be covered like any other sickness. Along with trip costs and any eligible medical expenses, Covid19 related Quarantine expenses may also be covered if required by the concerned authority. Please refer to the policy documents for the detailed coverage benefits.

Does IMG cover the Covid19 vaccination?

IMG plans do not cover COVID19 vaccinations since all preventive care is not covered. However it will cover COVID-19 treatment as any other eligible sickness if Covid19 infection happens after the policy is effective. Please see the policy document for more details.

Who is eligible to buy the IMG Plans offered by International Medical Group (IMG)?

All US citizens and US residents are eligible to buy IMG trip cancellation plans. They can buy these trip cancellation plans for travel both within the US as well as outside the country.

Can one cancel the IMG trip plan ?

Yes, one can cancel the IMG plan if there is no claim on the policy and if the traveler :

  1. Requests for cancellation is made within the 10 day free look period after buying the insurance
  2. Requests for cancellation before the start of the trip

What does the trip cost include ?

The trip costs will include all non-refundable expenses such as the airline ticket costs, cruise expenses, hotel booking costs .... In the event of an unplanned cancellation of the trip, these expenses which would otherwise be lost will be covered by the IMG trip cancellation plans.

Can I renew or extend my IMG trip plan ?

No, the IMG plans are not renewable.

Do IMG plans cover pre-existing conditions?

The pre-existing conditions coverage varies depending on the IMG plan.

  1. The IMG Lite plan does not cover Pre-existing conditions
  2. The IMG SE plan covers pre-existing conditions if the insurance is bought within 20 days of the initial trip deposit
  3. The IMG LX plan covers pre-existing conditions if the insurance is bought within 24 hours of trip payment.

Do IMG plans cover cancel for any reason (CFAR)?

Only the IMG LX plan offer Cancel for any reason (CFAR). The IMG Lite and IMG SE plans provide trip cancellation only for covered reasons.

What are the differences between Trip Cancellation and Trip Interruption benefits?

Trip cancellation coverage is available if the entire trip is cancelled even before the start of the trip (this is even before the trip start date). Trip interruption coverage is applicable only after the start of the trip. Trip interruption comes is applicable if the trip is cancelled for a valid covered reason (unless you have the Travel LX plan which covers CFAR), after the start of the trip and here the insured traveler has to return to his/her home country.

What are the coverage differences between the different IMG plan options - Lite, SE, and LX ?

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

If a traveler contracts COVID-19 after starting the trip and must quarantine, would he/she qualify for both quarantine and interruption benefits?

There isn’t a specific “quarantine” benefit, but benefits could apply under both IMG travel Insurance’s Trip Interruption and Travel Delay benefits. Trip interruption would generally reimburse for the prepaid, unused, nonrefundable elements of the trip that are lost. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well.

Do your trip cancellation insurance plans cover the cost of additional accommodation for an individually-ordered quarantine?

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG travel Insurance’s Travel Delay benefit. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well. Benefits would apply to an insured traveler OR a travel companion.

If a traveler needs to further quarantine after completing the required isolation for COVID-19? Will the travel insurance cover it?

If the traveler is required to quarantine as per the terms of coverage, benefits would be extended for up to 5 days after the period of quarantine ends (per the guidelines provided by our underwriter).

If a traveler needs to quarantine while waiting for a COVID-19 screening test result, will the travel insurance cover it?

If required to do so as per the terms of coverage. Note that the policy defines quarantine as follows: Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, ,Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

My credit card has travel benefits on it already, so why should I buy a trip cancellation insurance plan?

There are some very advantageous credit cards out there to help travelers, particularly with money exchange fees when making purchases abroad. However, you should look over your benefits carefully. Certainly travel items charged to the card may be covered and refundable, but what if you get sick at your destination? What if your luggage is lost? What if you need to quarantine or get delayed in one leg of your trip? The best trip cancellation insurance can put your mind at ease.
These best travel insurance are specifically designed to help in all aspects of travel from interruptions that may come up (an emergency back home), unintended trip delays (testing positive for COVID, missing a flight or having a flight cancelled), helping you get your minor children home if you can't, and medical expenses should you become sick or hospitalized. There are plans to help you get your pet home safely and insure your expensive golf clubs or sports equipment get with you to your destination! You have invested so much into your trip planning, you may as well have full peace of mind that your investment is protected and you are taken care of by experts who have dealt with the most unlikely of scenarios!

Compare travel medical insurance

special-coverageIMG Insurance Restrictions

  • IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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