Compare IMG Travel Insurance, IMG Trip cancellation Insurance, Cancel for any reason CFAR insurance

Compare popular covid quarantine travel insurance plans

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Compare Travel Plans Lite SE LX	Travel Lite Buy Now	Travel SE Buy Now	Travel LX Buy Now
Plan Summary
Trip Cost	Minimum Trip Cost: $200 Maximum Trip Cost: $25K	Minimum Trip Cost: $300 Maximum Trip Cost: $100K^#1	Minimum Trip Cost: $500 Maximum Trip Cost: $100K
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	$1K ($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 $40K per covered vehicle	Up to $40K 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($1K 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 $500K per person	Up to $500K per person	Up to $1M 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 $10K per person
Political or Security Evacuation and Natural Disaster Evacaution	Not Covered	Not Covered	$50K per event per person
Protection for your belongings
Baggage and Personal Effects	$750($250 max per item)	$1.5K($250 max per item)	$2.5K($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($2K max per person)
Baggage Delay	Up to $150	Up to $250	Up to $500
Accident death and dismemberment
Common Carrier	Not Available	$25K	$100K
Exposure	Not Available	Not Available	Included
Disappearance	Not Available	Not Available	Included
Travel Insurance
Accident & Sickness Medical and Dental Expense	Up to $100K per person	Up to $250K per person	Up to $500K per person
Dental Expense Sublimit	$1K per trip	$1K per trip	$1K per trip
Underwriter	United States Fire Insurance Company	United States Fire Insurance Company	United States Fire Insurance Company
Rating	"A"(Excellent)	"A" (Excellent)	"A" (Excellent)
Restrictions	Not Available for Addresses from the Following U.S. States/Territories: Missouri (MO) and Washington (WA). Travel Lite Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.	Not Available for Addresses from the Following U.S. States/Territories: Missouri (MO) and Washington (WA). Travel Lite Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.	Optional Cancel for Any Reason (CFAR) is not available for residents of: MO, NY and WA. CFAR must be purchased within 20 days of initial trip deposit date. Optional Interruption for Any Reason (IFAR) is not available for residents of: MO, NY and WA. IFAR must be purchased within 20 days of initial trip deposit date. Travel LX Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Brochure and Details	» Travel Lite Brochure » Travel Lite Details	» Travel SE Brochure » Travel SE Details	» Travel LX Brochure » Travel LX Details

^#1Missouri (MO) and Washington (WA) states maximum trip cost is up to $50K 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.

IMG Trip Cancellation Insurance for Covid Illness

IMG trip cancellation insurance for Covid illness - FAQ's

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)

IMG does offer the option to upgrade to “cancel for any reason” (CFAR) coverage on some of its travel insurance plans. The “Cancel for any reason” add-on benefit gives the traveler the option to cancel for any reason, even if it is not listed in the plan’s base trip cancellation reasons. For example, one can cancel the trip because there was a work related crisis which would not be covered in the base trip cancellation coverage.Please review the plan to check the rules for CFAR coverage. IMG’s Travel LX travel insurance reimburses 75% of the non-refundable trip costs under the CFAR benefit. The traveler must buy the “cancel for any reason” add-on coverage within 21 days of making the initial trip deposit. To make a CFAR claim one must cancel the trip at least two days prior to the actual departure date.

IMG provides travel insurance includes coverage for Covid19 related trip cancellation and medical expenses. IMG’s Travel SE, Travel Lite and Travel LX Basic trip cancellation insurance plans all include Covid coverage. The IMG trip cancellation plans will cover you and reimburse all the financial loss incurred in prepaid expenses and non-refundable deposits.

IMG’s travel insurance includes Pre-existing medical condition waivers as an add-on coverage. Travelers should review the policy details to be sure of this coverage specification. Including this pre-existing conditions waiver add-on will mean the pre-existing conditions is not excluded from your travel insurance coverage.

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

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).

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.

If the traveler becomes ill with Covid while they are insured, it will be covered like any other sickness. Along with trip costs and any eligible medical expenses, related Quarantine expenses may also be covered if required by the concerned authority.

IMG plans do not cover COVID vaccination since all preventive care is not covered. However it will cover COVID-19 treatment as any other eligible sickness if the infection happens after the policy is effective.

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.

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

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

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.

No, the IMG plans are not renewable.

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

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

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.

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.

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

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.

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 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).

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.

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!