IMG Travel Insurance review: 4.7 out of 5 stars

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IMG travel insurance provides customers with a transparent process for viewing its policies, including prices and coverage limits, creating an excellent experience for travelers seeking trip protection. Explore our IMG travel insurance review to find the right coverage options for your needs.

Best travel insurance title: Best for transparent coverage

IMG travel insurance ranks fourth overall among the insurers we've compared for its transparent coverage, flexible policies, and superior customer experience. We especially like how easy it is to find sample policy brochures and contracts online, allowing us to browse plan descriptions, limits, and exclusions quickly.

Provides a transparent customer experience, where you can see coverage limits and policy documents without going through a lengthy quote process

Offers high medical coverage limits of up to $500,000

Has an A (Excellent) Financial Strength Rating from AM Best

You can receive up to 75% back with IMG Travel Insurance CFAR coverage

Has a B rating with the Better Business Bureau

The IMG Claims Center page doesn't list a phone number, instead pointing customers toward the online portal

IMG travel insurance offers these types of coverage:

Trip cancellation: Covers up to a certain amount of your non-refundable trip costs if you cancel for a covered reason.

Trip interruption: Covers up to a certain amount of your non-refundable trip costs if you interrupt your trip for a covered reason.

Trip delay: Provides up to a certain amount per day for eligible trip delays.

Change fee: Provides up to a certain amount per person for eligible change fees.

Frequent traveler reward: Covers up to a certain amount for reinstating loyalty program rewards.

Rental car damage and theft coverage: Provides up to a certain amount in rental car collision and theft coverage.

Missed trip connection: Provides up to a certain amount per person for missed connections.

Pet kennel: Provides up to a certain amount per day (up to a maximum total amount) for pet kennel fees.

Political or personal security evacuation: Covers up to a certain amount per event per person for eligible evacuations.

Natural disaster evacuation: Covers up to a certain amount per event per person for eligible evacuations.

Accidental death and dismemberment: Provides reimbursement for eligible situations involving an accidental death or dismemberment.

Emergency medical expense: Covers up to a certain amount for emergency medical expenses during your trip.

Emergency dental expense: Covers up to a specified amount for emergency dental care during your trip.

Medical evacuation and repatriation of remains: Covers eligible medical evacuation and, if necessary, repatriation of remains.

Search and rescue: Covers eligible search and rescue charges per person.

Baggage damage or loss: Covers eligible charges for the replacement or repairs of damaged or lost luggage during your travels. This coverage may include replacing passports, visas, and other travel documents.

Baggage delay: Reimburses up to a certain amount per person for eligible baggage delays.

Sporting equipment rental: Reimburses up to a certain amount per day (and up to a maximum per person) for lost, stolen, damaged, or delayed equipment.

CFAR/IFAR: Adds cancel-for-any-reason and interrupt-for-any-reason coverage to your eligible plan.

Enhanced medical: Increases your emergency medical, emergency medical evacuation, and repatriation coverage limits.

Cruise: Includes additional coverage benefits, such as an itinerary change benefit and travel inconvenience benefit.

Sport: Increases your baggage delay and sports equipment rental coverage limits.

What does IMG travel insurance not cover?

It may depend on the policy, but IMG travel insurance generally excludes:

Preexisting conditions (unless you have the exclusion waiver)

Traveling against the advice of a physician

IMG travel insurance plans and coverage limits

iTravelInsured Choice Plus: Up to $10,000

iTravelInsured Choice Cruise: Up to $10,000

iTravelInsured Choice Plus: Up to $15,000

iTravelInsured Choice Cruise: Up to $15,000

iTravelInsured Choice: Up to $500 per person

iTravelInsured Choice Plus: Up to $500 per person

iTravelInsured Choice Cruise: Up to $500 per person

iTravelInsured LX: Up to $500 per person

iTravelInsured SE: Up to $500 per person

iTravelInsured Choice: Up to $150 per day per person ($1,000 max per person)

iTravelInsured Choice Plus: Up to $150 per day per person ($1,000 max per person)

iTravelInsured Choice Cruise: Up to $150 per day per person ($1,000 max per person)

iTravelInsured LX: Up to $250 per day per person ($1,000 max per person)

iTravelInsured Lite: Up to $125 per day per person ($500 max per person)

iTravelInsured SE: Up to $125 per day per person ($2,000 max per person)

iTravelInsured LX: Up to $300 per person

iTravelInsured SE: Up to $150 per person

iTravelInsured LX: Up to $40,000 per covered vehicle

iTravelInsured SE: Up to $40,000 per covered vehicle

iTravelInsured LX: $100 per day ($500 max per pet)

iTravelInsured SE: $100 per day ($300 max per pet)

iTravelInsured Choice Cruise: $100 for prepaid excursions

iTravelInsured Choice Plus: Up to $250,000

iTravelInsured Choice Cruise: Up to $100,000

iTravelInsured Choice Plus: Up to $1,000

iTravelInsured Choice Cruise: Up to $750

Patriot Platinum: Up to $300 (or up to $8,000,000 for traumatic dental injury)

Patriot Multi-Trip: Up to $300 (or up to $1,000,000 for traumatic dental injury)

Medical evacuation and repatriation of remains

iTravelInsured Choice Plus: Up to $1,000,000

iTravelInsured Choice Cruise: Up to $500,000

Political, security, or natural disaster evacuation

iTravelInsured Choice Plus: Up to $100,000

Patriot Platinum: Up to $100,000 (political evacuation); up to $25,000 (natural disaster evacuation)

Patriot Multi-Trip: Up to $100,000 (political evacuation); up to $25,000 (natural disaster evacuation)

iTravelInsured LX: Up to $200 per day ($1,000 maximum per person)

iTravelInsured LX: Up to $10,000 per person

iTravelInsured Choice: Up to $1,000 ($250 max per item)

iTravelInsured Choice Plus: Up to $1,000 ($250 max per item)

iTravelInsured Choice Cruise: Up to $1,000 ($250 max per item)

iTravelInsured LX: Up to $2,500 ($250 max per item)

iTravelInsured Lite: Up to $750 ($250 max per item)

iTravelInsured SE: Up to $1,500 ($250 max per item)

Patriot Platinum: Up to $50 per item ($500 maximum) for lost luggage

Patriot Multi-Trip: Up to $150 per item ($500 maximum) for lost luggage

iTravelInsured Choice: Up to $300 per person (6-hour delay)

iTravelInsured Choice Plus: Up to $300 per person (6-hour delay)

iTravelInsured Choice Cruise: Up to $300 per person (6-hour delay)

iTravelInsured LX: Up to $500 per day (12-hour delay)

iTravelInsured Lite: Up to $150 per person (24-hour delay)

iTravelInsured SE: Up to $250 per person (12-hour delay)

iTravelInsured LX: Up to $500 per day ($2,000 max per person)

These are some of the primary plans IMG travel insurance offers:

iTravelInsured Choice: This is a base trip cancellation plan that provides up to $10,000 in trip protection coverage.

iTravelInsured Choice Plus: This offers the same trip cancellation coverage as the Choice plan, but provides additional emergency medical coverage.

iTravelInsured Choice Cruise: This plan includes both trip cancellation and emergency medical coverage, as well as specific cruise benefits such as itinerary changes and travel inconvenience perks.

iTravelInsured LX: This plan is designed for luxury travelers and includes a high limit of up to $150,000 in trip cancellation coverage.

iTravelInsured Lite: This plan strikes a balance between slightly higher trip cancellation coverage limits and slightly lower medical expense limits.

iTravelInsured SE: This is another plan with high trip cancellation coverage (up to $150,000), but fewer overall benefits than the LX plan.

Patriot Platinum: This travel medical plan provides up to $8,000,000 in coverage.

Patriot Multi-Trip: An annual travel medical plan that covers multiple trips over the course of a year.

How much does IMG travel insurance cost?

For these prices, we submitted quotes on the IMG travel insurance website using the following generic information: a 35-year-old traveler from Iowa with a two-week itinerary and a total trip cost of $5,000. (Note: We input a one-year duration for the Patriot Multi-Trip plan.)

If we consider that travel insurance generally costs 4% to 10% of your total trip cost, a policy for a $5,000 trip should cost between $200 to $500. While some of the IMG travel insurance plans fall within that range, multiple options are actually less expensive.

How does this compare to other travel insurance plan costs?

Travel Medical Excluding USA Basic: $35.81

Travel Medical Excluding USA Choice: $49.50

Travel Medical Annual Multi-Trip: $368.75

Worldwide Trip Protector Essential: $156

In general, IMG travel insurance costs are aligned with competitors' policy prices. Still, it's worth comparing coverage limits and exclusions across competing plans to see which provider offers the best deal for your needs.

Is IMG a reputable travel insurance company?

Yes, IMG is a reputable travel insurance company with over 36 years in business and an A (Excellent) Financial Strength Rating from AM Best.

IMG is owned by SiriusPoint, a multibillion-dollar insurance company. SiriusPoint is also one of IMG's insurance underwriters.

Does IMG travel insurance cover preexisting conditions?

Yes, certain IMG travel insurance policies may include preexisting condition waivers, provided you meet the terms and conditions. These could include paying your premium within a certain time frame and being able to travel when your premium is paid.

The IMG travel insurance main headquarters is located at 9200 Keystone Crossing, Suite 800, Indianapolis, IN 46240.

How long has IMG travel insurance been in business?

IMG travel insurance has been in business for over 36 years.

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