Best IMG Vacation Insurance Plans
A complete guide to the two types of vacation coverage travel medical insurance and trip protection insurance with every IMG plan explained in plain language.
What Is Vacation Insurance?
Vacation insurance is an umbrella term for coverage designed around leisure travel. It generally falls into two categories: travel medical insurance, which pays for injuries and illness that happen while you're away from home, and trip protection insurance (also called trip cancellation insurance), which reimburses the money you've already spent on your trip if something forces you to cancel, cut it short, or delay it.
Some plans combine elements of both, offering trip cancellation benefits alongside a limited amount of medical coverage. Understanding which category or combination fits your trip is the first step to picking the right plan.
Why travelers need vacation insurance
- public Most domestic health insurance doesn't cover you abroad
- payments Non-refundable trip costs are only protected if you insure them
- thunderstorm Weather, illness, and world events can disrupt travel with no warning
- flight_takeoff Emergency medical evacuation abroad can cost tens of thousands out of pocket
Two Types of Vacation Insurance
Every IMG vacation plan falls into one of these two categories. Jump to the one that matches your priority.
Covers you if you get sick or injured on your trip medical expenses, evacuation, and repatriation. Best when your main risk is a medical emergency abroad.
View Plan Details »Covers the money you've already spent flights, hotels, cruises if you have to cancel, cut short, or delay your trip, plus limited medical benefits.
View Plan Details »Travel Medical Insurance
Travel medical insurance exists to close the gap left by your regular health plan once you leave your home country. It pays for doctor visits, hospital stays, emergency medical evacuation, and repatriation of remains the costs that can spiral quickly if you're hospitalized overseas without coverage. IMG's Patriot Series is built specifically for this purpose, with three tiers based on how much coverage you want.
Patriot Lite Insurance
Patriot Lite is IMG's entry-level travel medical plan, built for travelers who want dependable emergency medical coverage without paying for benefits they won't use. It covers accident and sickness medical expenses from $50,000 up to $1,000,000, with medical evacuation coverage up to $1,000,000 enough to handle a genuine emergency without the cost of the higher tiers.
- check_circle Medical : $50,000 – $1,000,000
- check_circle Medical evacuation :Up to $1,000,000
- check_circle Telehealth: Optional add-on
Patriot Plus Insurance
Patriot Plus sits between Lite and Platinum, offering the same medical and evacuation coverage range as Lite but with telehealth included as standard rather than an add-on a good middle ground for travelers who want virtual doctor access built in without stepping up to Platinum's higher limits.
- check_circle Medical : $50,000 – $1,000,000
- check_circle Medical evacuation :Up to $1,000,000
- check_circle Telehealth : Included
Patriot Platinum Insurance
Patriot Platinum is IMG's top-tier travel medical plan, with medical coverage from $2,000,000 up to $8,000,000 and medical evacuation matched to the same limit. It's built for travelers heading somewhere with limited local healthcare infrastructure, or anyone who wants the largest possible safety net. Trip cancellation and interruption are available as optional add-ons.
- check_circle Medical : $2,000,000 – $8,000,000
- check_circle Medical evacuation : Up to $8,000,000
- check_circle Trip cancellation :Optional add-on
Also in the Travel Medical family
Trip Protection Insurance
Trip protection insurance also called trip cancellation insurance reimburses the non-refundable money you've already spent on your vacation if you have to cancel, interrupt, or delay it for a covered reason. Unlike travel medical plans, these are typically bundled with limited medical benefits, baggage protection, and travel delay coverage, making them a genuine two-in-one option. IMG's iTravelInsured Series covers this category in three tiers.
iTravelInsured Choice
iTravelInsured Choice is IMG's most-purchased trip protection plan. It reimburses trip cancellation up to 100% of your insured trip cost and trip interruption up to 150%, and includes telehealth access at no extra cost a strong all-around option for most vacations.
- check_circle Medical : $100,000
- check_circle Trip cancellation : Up to 100% of trip cost
- check_circle Trip interruption : Up to 150% of trip cost
iTravelInsured SE
iTravelInsured SE steps up the medical limit to $250,000 while keeping the same strong trip cancellation and interruption benefits as Choice a good fit for travelers who want a bit more medical cushion alongside their trip protection.
- check_circle Medical : $250,000
- check_circle Trip cancellation : Up to 100% of trip cost
- check_circle Trip interruption : Up to 150% of trip cost
iTravelInsured LX
iTravelInsured LX is the top of the series, with medical coverage up to $500,000 and the option to add Cancel For Any Reason the most flexible choice for expensive or far-in-advance bookings.
- check_circle Medical : $500,000
- check_circle Trip cancellation : Up to 100% of trip cost
- check_circle CFAR :Available as add-on
- Trip cancellation only pays out for reasons listed in your policy job loss, illness, severe weather unless you add Cancel For Any Reason coverage.
- You generally must insure 100% of your prepaid, non-refundable trip costs subject to cancellation penalties to keep full benefits valid.
- CFAR must typically be added at the time you buy the base plan, within a set number of days of your initial trip deposit.
- Trip interruption applies only after your trip has started trip cancellation only applies before departure.
- These plans are not renewable; a new trip requires a new policy.
- Buy trip protection as soon as you make your first trip deposit many benefits (like pre-existing condition waivers) are time-sensitive to your purchase date.
Vacation Insurance - FAQs
Travel medical insurance primarily covers unexpected medical expenses during your trip, such as doctor visits, hospitalization, and emergency evacuation. Trip cancellation insurance helps reimburse eligible prepaid, non-refundable trip expenses when you cancel for a covered reason.