For more than a decade now, IMG, Inc. has provided trip protection insurance to more than a million travelers worldwide. IMG®, Inc’s mission has been to help travelers protect their travel investment. Traveling is an exciting experience, however anything can happen while you are away from home. These custom designed travel insurance products along with world-class non-insurance services provide the coverage and confidence travelers need when traveling overseas.
IMG offers a range of travel insurance programs for every customer need. Whether you need coverage for a vacation, business trip, student group trip or stay at a hotel or resort, IMG has got the right plan. IMG's services also include:
Rest assured that IMG is there with you, wherever your travels take you, bringing world-wide coverage, multilingual capabilities, international claims specialists and access to 24–hour emergency assistance service.
The IMG travel insurance have no exclusion for medical expenses for Covid19 virus. Any medical expenses incurred due to Coronavirus will be covered by IMG insurance. However cancellation of the trip due to Coronavirus is not covered unless you have purchased the 'Cancel for any reason insurance' benefit which is offered by the Travel LX insurance and you purchased this plan within 20 days of the initial trip deposit.
Here are a few examples of trip cancellation and interruptions perils that can be covered. Please note that the listed perils are not all applicable to both trip cancellation and interruption; refer to the wording of the plan, which is sent upon purchase, for complete details. Additional terms apply to every peril.
Compare benefits offered by International Medical Group's Trip protection insurance Plans
The IMG plans namely Travel Lite vs Travel SE vs Travel LX offer trip protection cover for travel expenses from trip cancellation, trip interruption, trip delay, baggage loss.
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 that include 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.
This can make all the difference should anyone contract Covid before your vacation and have to cancel the trip. The IMG plans will cover you and reimburse all the financial loss incurred in prepaid expenses and non-refundable deposits. The IMG trip cancellation plans will also cover all Covid19 related medical expenses while traveling.
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):
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 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.
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.
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 :
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.
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).
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.
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!
IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.