IMG Trip Cancellation Insurance

IMG trip protection insurance cost calculator

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Trip cancellation insurance plans from IMG

iTravelInsured Essential
  • Cheap plan for US residents traveling within the US.
  • This plan is available upto 70 years.
  • Coverage up to $200 for baggage delay.
  • The review period for pre-existing conditions is 180 days.
  • Limited travel protection with cost effective coverage.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • request_quote

    Maximum Trip Cost
    $10,000

  • calendar_month

    Trip Duration
    31 days

  • local_hospital

    Common carrier AD&D
    $10,000

  • shopping_cartBuy Now
iTravelInsured Travel Lite
  • Ideal for the budget conscious travelers.
  • Pre-existing condition review period is 60 days.
  • Available for US residents on domestic and worldwide trips.
  • Accident and Sickness medical expense covered up to $100,000.
  • Provides inexpensive coverage for trip cancellation & interruption.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • request_quote

    Maximum Trip Cost
    $25,000

  • calendar_month

    Trip Duration
    180 days

  • local_hospital

    Medical Evacuation
    Up to $500,000

  • shopping_cartBuy Now
iTravelInsured Travel Choice
  • Cheap plan for US residents on domestic and worldwide trips.
  • Pre-existing waiver is available if bought within 21 days.
  • Accident and Sickness medical expense covered up to $100,000.
  • Airline reissue or cancellation fee covered up to $200.
  • Covers cancel for any reason & interrupt for any reason benefit.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • request_quote

    Maximum Trip Cost
    $10,000

  • calendar_month

    Trip Duration
    90 days

  • local_hospital

    Medical Evacuation
    Up to $500,000

  • shopping_cartBuy Now
iTravelInsured Travel SE
  • Ideal for budget-minded travelers and cruise travelers.
  • Pre-existing waiver is available if bought within 20 days.
  • Available for US residents on domestic and worldwide trips.
  • Accident and Sickness medical expense covered up to $250,000.
  • Covers cancel for any reason & interrupt for any reason benefit.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • request_quote

    Maximum Trip Cost
    $150,000

  • calendar_month

    Trip Duration
    90 days

  • local_hospital

    Medical Evacuation
    Up to $150,000 per person

  • shopping_cartBuy Now
iTravelInsured Travel LX
  • Best for luxury travelers travelers and business travelers.
  • Available for US residents on domestic and worldwide trips.
  • Search and rescue benefit covered up to $10,000.
  • Rental car damage and theft coverage up to $40,000.
  • Covers cancel for any reason & interrupt for any reason benefit.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • request_quote

    Maximum Trip Cost
    $150,000

  • calendar_month

    Trip Duration
    180 days

  • local_hospital

    Medical Evacuation
    Up to $1,000,000

  • shopping_cartBuy Now
iTravelInsured Travel Sport
  • Designed for adventure-seekers.
  • Available to U.S. citizens and residents
  • Sports equipment rental coverage up to $5,000 per person.
  • Pre-existing waiver is available if bought within 21 days.
  • Accident and Sickness medical expense covered up to $250,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • request_quote

    Maximum Trip Cost
    $100,000

  • calendar_month

    Trip Duration
    90 days

  • local_hospital

    Medical Evacuation
    Up to $1,000,000 per person

  • shopping_cartBuy Now

Who can buy IMG trip insurance?

  • U.S. citizens traveling abroad or domestically
  • US students, families, solo travelers, and business travelers
  • American tourists on cruises or group trips

Factors to consider when buying US trip insurance

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Non-Refundable Travel Costs

Could you afford to lose prepaid expenses if your trip is cancelled unexpectedly?

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Severe Weather Risks

Are you traveling to an area prone to hurricanes, snowstorms, or other extreme weather?

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Health Emergencies Abroad

Would you be able to cover medical bills out of pocket if you became ill or injured?

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Flight Interruptions

Could you benefit from coverage for added expenses due to flight delays or cancellations?

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Lost or Stolen Luggage

Would replacing essential belongings like clothes, electronics, or documents be financially difficult?

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Entry Requirements for Your Destination

Some countries require proof of travel insurance as a condition of entry.

IMG Best Cruise Insurance for US Travelers

When should I buy trip insurance?

The best time to buy trip insurance is immediately after booking your trip. Purchasing early ensures you receive all available benefits, and coverage starts right away.

Here are the key reasons to act quickly:

Do I need trip insurance?

Trip insurance is a great way to cover yourself against unforeseen interruptions to your travels. Whether you're vacationing, visiting loved ones, or on business, having the right protection can take care of your health and your wallet. Trip insurance typically costs about 5% of the total trip cost, and is definitely worth it given the value that it provides in the event of an adverse situation.

Why consider trip insurance?

IMG’s travel insurance policies provide important features, such as:

  • Trip Cancellation Coverage – Pay-outs prepaid, non-refundable costs if your trip is cancelled because of unexpected circumstances like illness, injury, or loss of a family member.
  • Emergency Medical and Sickness Coverage – Pays for unexpected medical care while you are away from home.
  • Emergency Medical Evacuation – Pays for emergency transport to the nearest appropriate medical facility—a requirement for admission to some countries.

What are the different types of trip insurance coverage?

Trip Cancellation Insurance:

If you need to cancel your trip for a covered reason, such as illness, injury, or a family emergency, this benefit can reimburse your non-refundable, prepaid trip expenses. This way, you don’t lose your investment.

Flight Travel Insurance:

Flight-related issues, like delayed flights or lost luggage, can quickly disrupt your plans. This coverage can help reimburse costs for delays, rebooking’s, baggage loss, and other unexpected problems with airlines.

IMG Cruise Travel Insurance:

Cruises often require upfront payments and have strict cancellation penalties. Travel insurance for cruises protects your prepaid cruise, flights, and shore excursions if your trip is cancelled or interrupted for a covered reason.

Cancel For Any Reason (CFAR) Insurance:

This optional upgrade lets you cancel your trip for any reason, not just the ones listed in the standard policy. You can receive partial reimbursement, typically between 50 and 75 percent, of your trip costs, offering you more flexibility.

Travel Insurance for Pet Owners:

Some plans offer benefits specifically for pets, like boarding coverage if you are delayed returning home. Plus, through our partnership with Fetch, you can access affordable pet health insurance, ensuring your dog or cat receives care and protection while you’re away.

IMG trip insurance for senior travelers

Senior travelers often need specific travel insurance that provides good medical coverage, trip protection, and peace of mind. Many domestic health insurance plans, including Medicare, offer limited or no coverage outside the United States. This makes travel insurance necessary.

Key Benefits for Seniors:

  • Emergency Medical Coverage: This covers unexpected illnesses or injuries while traveling, including hospital stays and doctor visits.
  • Emergency Medical Evacuation: This includes necessary transportation to the nearest suitable medical facility or back home.
  • Trip Cancellation and Interruption: This reimburses non-refundable expenses if you cancel or interrupt your trip for covered reasons.
  • Coverage for Pre-Existing Conditions.: This is available with certain plans when purchased within 20 days of the initial trip deposit.
  • Cancel for Any Reason (CFAR) Option: This upgrade is available with the iTravelInsured Travel LX plan, providing the most flexibility in uncertain situations.

Why buy trip insurance on American Visitor Insurance?

  • American Visitor Insurance is a trusted partner of top US travel insurance providers
  • Easy to compare different trip plans with clear benefit highlights
  • Expert customer support to help you choose and buy
  • Secure online purchase with instant policy confirmation
  • American Visitor Insurance offers best prices with no hidden fees
  • Optional benefits for trip cancellation and interruption
  • Complete coverage including emergency medical, baggage loss, travel delay, and more
  • Customize your policy to fit your travel needs and budget
  • 24/7 assistance for emergencies anywhere in the world

airplanemode_inactive IMG Insurance Restrictions

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

IMG trip cancellation insurance FAQ's

1. 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

2. 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.

3. 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.

4. 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

5. 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.

6. Can I renew or extend my IMG trip plan?

No, the IMG plans are not renewable.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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!