at SquareMouth
IMG
With a wide range of plans, choosing the right IMG plan might be overwhelming for some travelers.
at SquareMouth
Pros
- Coverage available for adventure travelers.
- Identifies medical providers with direct billing to reduce your out-of-pocket costs.
Cons
- Claim approval can be lengthy.
IMG has provided travel insurance since 1990 and has three types of insurance: travel, travel medical and international health. The company is based in Indianapolis and is owned by SiriusPoint, a multibillion-dollar company and leader in the insurance industry.
IMG touts the 18 languages employees speak, the company’s more than 1 million happy customers, 1 million doctors and teledocs, and in-house nurse staff as some of the reasons to choose it for your travel insurance needs.
What sets IMG apart is the variety of travel insurance plans available, including ones targeted to cruisers, pet owners and LGBTQIA+ travelers.
On this page
- How to maximize your rewards
- IMG Travel Insurance offerings
- What IMG travel insurance covers
- IMG detailed policy overview
- What IMG plans do not cover
- How much is IMG travel insurance
- Which IMG plan is best for me?
- Does IMG offer 24/7 travel assistance?
- How to file a claim with IMG travel insurance
- Is IMG travel insurance worth it?
IMG Travel Insurance offerings
IMG offers three general categories of plans: travel insurance, travel medical insurance and international health insurance.
IMG offers six main plans, with iTravelInsured Travel SE, iTravelInsured Choice and iTravelInsured Travel LX providing the most well-rounded coverage and benefits.
The three plans all include medical coverage, medical evacuation, trip cancellation, trip interruption and telehealth appointments. Cancel For Any Reason (CFAR) coverage is available as an add-on for any of the three at an additional cost.
- iTravelInsured Choice: This plan is the company’s most popular and has the lowest limits for medical coverage. It’s designed for all kinds of travel at a low price.
- iTravelInsured Travel SE: It’s a midrange plan with a higher medical coverage limit and the same medical evacuation coverage as the Choice plan, as well as additional benefits that are not in the Choice plan.
- iTravelInsured Travel LX: This plan has the highest level of benefits and is best for people going to exotic and remote locations.
Three other plans are also available but with more limited coverage.
- iTravelInsured Essential: This plan does not include any medical coverage and is simply to cover cancellation and interruption costs.
- iTravelInsured Lite: This plan includes medical, medical evacuation, cancellation and interruption but does not include telehealth or the ability to add CFAR coverage.
- iTravelInsured GT: This is a policy for groups of 10 or more traveling together.
There are also specific medical plans that do not include coverage for things like cancellation or interruption but have high limits for medical and medical evacuation. One plan has coverage for up to $8 million!
There are also international health insurance plans specifically for people living or working abroad, mainly for a year or longer, such as digital nomads, expats or people with dual residences.
IMG also has cruise-specific plans that cover things like an itinerary change and travel inconvenience.
Subscribe to our free TravelNerd newsletter for inspiration, tips and money-saving strategies, delivered straight to your inbox.
By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
What IMG travel insurance covers
We’ll focus on the three most comprehensive plans, which IMG calls travel insurance plans. Some of the things the plans cover:
- Trip cancellation: If you have to cancel your trip for a covered reason, the IMG plans would pay you back for what you have already paid.
- Trip interruption: If you have to start your trip late or end it early because of a covered reason, benefits might pay for unused, prepaid and nonrefundable travel costs as well as what it costs you for additional transportation.
- Flight delay: If your flight is delayed for a certain number of hours due to a covered reason, benefits can help cover expenses such as extra meals and hotel accommodations.
- Missed trip connection: If you have to pay extra to catch up with your trip because you miss your departure, you might get paid back.
- Baggage damage, delay or loss: What if the airline loses your suitcase or it is late to arrive? IMG plans would pay for some personal items you might need.
- Medical expenses if you are sick or injured: The three main IMG plans pay for out-of-pocket expenses if you get sick or injured and for evacuation if you need to get to a hospital or home.
The three main plans — iTravelInsured Choice, iTravelInsured Travel SE and iTravelInsured Travel LX — have CFAR coverage as well as Interruption For Any Reason (IFAR) coverage available at an additional cost.
The plans also cover travelers up to age 99.
IMG detailed policy overview
Here’s how the three main plans from IMG — the iTravelInsured Travel SE, iTravelInsured Choice and iTravelInsured Travel LX — compare to one another.
We searched for plans for a 45-year-old man who lives in Illinois and is planning to take a $2,000 trip to Mexico on October 1-7, 2026.
Coverage limits | |
|---|---|
Trip cancellation | iTravelInsured Choice: Up to 100% of trip cost. iTravelInsured SE: Up to 100% of trip cost. iTravelInsured LX: Up to 100% of trip cost. |
Trip interruption | iTravelInsured Choice: Up to 150% of trip cost. iTravelInsured SE: Up to 150% of trip cost. iTravelInsured LX: Up to 150% of trip cost. |
Trip delay | iTravelInsured Choice: Up to $150 per day per person ($1,000 max per person). iTravelInsured SE: Up to $125 per day per person ($2,000 max per person). iTravelInsured LX: Up to $250 per day per person ($2,500 max per person). |
Accident, sickness and medical expenses | iTravelInsured Choice: Up to $100,000 per person. iTravelInsured SE: Up to $250,000 per person. iTravelInsured LX: Up to $500,000 per person. |
Medical evacuation | iTravelInsured Choice: Up to $500,000 per person. iTravelInsured SE: Up to $500,000 per person. iTravelInsured LX: Up to $1 million per person. |
Baggage and personal effects | iTravelInsured Choice: $1,000 ($250 max per item). iTravelInsured SE: $1,500 ($250 max per item). iTravelInsured LX: $2,500 ($250 max per item). |
Baggage delay | iTravelInsured Choice: Up to $300 per person (after delay of 6 hours). iTravelInsured SE: Up to $250 per person (after delay of 12 hours). iTravelInsured LX: Up to $500 per person (after delay of 12 hours). |
Ability to add Cancel For Any Reason (CFAR) coverage | iTravelInsured Choice: Yes. iTravelInsured SE: Yes. iTravelInsured LX: Yes. |
Ability to add Interruption For Any Reason (IFAR) coverage | iTravelInsured Choice: Yes. iTravelInsured SE: Yes. iTravelInsured LX: Yes. |
Pre-existing condition coverage | iTravelInsured Choice: Yes (if terms are met). iTravelInsured Travel SE: Yes (if terms are met). iTravelInsured Travel LX: Yes (if terms are met). |
Telehealth | iTravelInsured Choice: Included. iTravelInsured Travel SE: Included. iTravelInsured Travel LX: Included. |
Political, security or national disaster evacuation | iTravelInsured Choice: Up to $100,000 per event per person. iTravelInsured Travel SE: None. iTravelInsured Travel LX: Up to $50,000 per event per person. |
The Choice and LX plans include coverage for sports equipment rental, while the SE plan does not.
The SE and LX plans also include coverage for pets. The Choice and LX plans have coverage for political or security evacuation.
The LX and SE plans also include coverage for change fees and rental cars.
What IMG plans do not cover
The three main IMG plans are fairly comprehensive, but the three other plans are not as all-encompassing, so you need to make sure the plan you’re looking at has what you need.
For example, the iTravelInsured Essential plan is mostly for cancellation and interruption protection and includes no medical coverage.
As is typical with most travel insurance companies, IMG plans do not include coverage for:
- Suicide or attempted suicide.
- War, invasion, acts of foreign enemies or hostilities between nations.
- Something that happens while intoxicated.
How much is IMG travel insurance
How much does IMG travel insurance cost? To compare, we searched for coverage for a 45-year-old man who lives in Illinois and is planning to take a $2,000 trip to Mexico on October 1-7, 2026.
The lowest-priced plan is iTravelInsured Choice at $75, the iTravelInsured Travel SE plan is $102, and the iTravelInsured Travel LX is $169. These prices are without CFAR and IFAR coverage.
During our search, other plans were offered, including iTravelInsured Choice Plus, which is basically the Choice plan with add-ons such as CFAR and IFAR coverage and higher medical coverage. The price for that is $114.
🤓Nerdy Tip
The results you see when you search for a plan might differ depending on where you live. Not all plans are available in all states. There is also a special policy if the Mexican adventure is a cruise, and it includes things like itinerary changes and travel inconvenience. That policy is $99.
At $75, the IMG iTravelInsured Choice plan is about the same price as some of IMG’s competitors that offer the same $100,000 in medical coverage. AXA’s Explorer Standard plan is $73, and Seven Corners’ Trip Protection Basic is $75. The World Nomads Standard plan is $84 but includes $125,000 in medical coverage.
» Learn more: The best travel credit cards right now
Which IMG plan is best for me?
Which plan is right for you depends on the amount of coverage you want.
If you want coverage for sports equipment, the iTravelInsured Choice and iTravelInsured Travel LX plans are your best bet.
If higher medical and medical evacuation coverage are your most important criteria, you might want to stay away from the Choice plan since its limits are the lowest.
Also, remember only the LX and SE plans include coverage for rental cars, pets and change fees.
There are several subtle differences between the plans, so it might help to use IMG’s plan comparison tool, which will point them out.
Does IMG offer 24/7 travel assistance?
Yes, IMG has 24/7 support, and the people helping you speak 18 languages among them.
You can get help with emergency travel arrangements, medical referrals, lost documents, emergency cash transfers, legal referrals and more.
How to file a claim with IMG travel insurance
The easiest way to file a claim with IMG is through the company’s portal, MyIMG. Once you create an account, you can submit a claim there just by following the prompts.
For a trip claim, you must provide an invoice, itinerary or confirmation that includes all of your trip details as well as support documents that prove your loss.
Contact IMG as soon as you can within 30 days of the loss. You can do this by calling 317-655-4500 or emailing [email protected]. You must file your claim within 90 days of the loss.
Once it is submitted, you’ll receive a confirmation email that includes a tracking number you can use to follow along as IMG processes your claim. Once the company receives your claim, someone will review it within 10 business days.
Is IMG travel insurance worth it?
IMG travel insurance policies are comprehensive and include coverage if you get sick or hurt before or during your trip or need to cancel or interrupt your vacation.
Your credit card might have some travel coverage, so you might not need to duplicate what you already have but add to it.
You buy insurance hoping you never need to use it, but if you do need it, you’ll be happy to have it.
Frequently Asked Questions
When does coverage begin?
IMG travel insurance coverage begins at 12:01 a.m. on the day after you pay for the plan, which is the effective date. That starts the clock for any cancellation benefits. The other coverages begin when you depart for your trip.
Is medical coverage for IMG plans primary or secondary?
The medical coverage on IMG travel insurance plans is primary, meaning you can file a claim with IMG no matter what other type of medical insurance you have and IMG will be the first to pay you for the medical claim.
When is the last day I can buy an IMG plan?
You can buy an IMG travel insurance plan up to one day before departure.
Does IMG cover my prepaid costs if my travel provider files for bankruptcy?
Yes, IMG plans cover the bankruptcy or default of an entity that directly provides travel arrangements.
What if something happens to my pet? Would IMG cover me?
The SE and LX plans cover you in the event of sickness, injury or death of a pet. The Choice plan does not.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
Explore more on
