IMglobal offers four travel protection plans with four coverage levels:
IMglobal Travel Insurance Review
IMglobal offers four travel insurance plans with rates starting at $76 for a seven-day trip. The company offers Lite, Choice, SE and LX coverage levels for financial protection during your travels.
Find out if you should buy travel insurance from IMglobal.
Updated: January 9, 2026
Advertising & Editorial Disclosure
Key Takeaways
IMglobal offers four iTravelInsured plans: Lite, Choice, SE, and LX
Emergency medical coverage: $100,000 to $500,000 with evacuation up to $500,000
Lite plan costs $76 for a seven-day $2,500 trip, LX plan costs $171
IMglobal Travel Insurance Pros and Cons
- Four plan tiers to match different budgets and coverage needs
- 24/7 travel assistance with Teladoc on mid and high-tier plans
- Optional CFAR on Choice, SE and LX plans
- Direct billing with select in-network providers
- Consistent pricing across all destinations
- CFAR coverage not available in New York
- Basic Lite plan has lower coverage limits compared to competitors
- LX plan pricing is higher than most competitors' premium tiers
- Trip interruption coverage maxes out at 150% of trip cost on most plans
IMglobal Travel Insurance Plans and Features
Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
Trip Interruption | 100% of trip cost | 100% of trip cost | 150% of trip cost | 150% of trip cost |
Trip Delay | Up to $500 per person | Up to $125 per day ($500 max) | Up to $125 per day ($500 max) | Up to $125 per day ($2,000 max) |
Emergency Medical | Up to $100,000 | Up to $100,000 | Up to $100,000 | Up to $500,000 |
Emergency Evacuation | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 |
Baggage Loss | $750 ($250 per item) | $750 ($250 per item) | $1,000 ($250 per item) | $1,500 ($250 per item) |
Baggage Delay | Up to $150 after 24 hours | Up to $150 after 24 hours | Up to $300 after 6 hours | Up to $250 after 12 hours |
CFAR Available | No | Yes (75% reimbursement) | Yes (75% reimbursement) | Yes (75% reimbursement) |
Rental Car Coverage | No | No | No | Up to $40,000 |
Pet Kennel | No | No | No | $100 per day ($300 max) |
Plan Highlights:
- Lite: Basic trip protection and medical coverage for budget travelers
- Choice: Best value, adds CFAR eligibility for just $2 more than Lite
- SE: 150% trip interruption and improved baggage delay coverage
- LX: $500,000 medical coverage, rental car damage up to $40,000, and $2,000 trip delay max
All plans include $10,000 accidental death and dismemberment coverage ($25,000 for flights).
IMglobal Travel Insurance Rates
IMglobal's pricing varies by plan, trip cost, and traveler age but remains consistent across destinations. Rates below reflect a 30-year-old California resident on a seven-day trip departing October 1-7, 2025.
Seven-Day Trip ($2,500 trip cost):
- Lite: $76
- Choice: $78
- SE: $91
- LX: $171
*Rates apply to the USA, Europe, and Asia destinations. A $10,000 trip costs $333 (Lite), $281 (Choice), $382 (SE) and $835 (LX).
IMglobal also offers medical-only plans with coverage from $100,000 to $8,000,000 and deductibles from $0 to $25,000. Rates start at $10 for a seven-day trip.
Comparing IMglobal vs. Other Companies
For seven-day trips worth $2,500, IMglobal's Lite plan costs $76 and Choice costs $78:
IMglobal | $76 (Lite) | $78 (Choice) / $91 (SE) | $171 (LX) |
BHTP | $69 | $90 / $95 | $125 |
Tin Leg | $43 | $68 / $82 | $117 |
Generali | $72 | $84 | $105 |
Seven Corners | $81 | $124 | N/A |
Nationwide | $69 | $99 | N/A |
IMglobal's Lite and Choice plans sit in the mid-range. The LX plan at $171 ranks among pricier options but includes rental car damage coverage up to $40,000 and $2,000 trip delay maximums, which are features competitors often omit or cap lower. Choice offers the best value at $78, adding CFAR eligibility for only $2 more than Lite.
What's Covered by IMglobal Travel Insurance
IMglobal's iTravelInsured plans protect travelers through trip cancellation and interruption coverage, emergency medical care, baggage protection and 24/7 travel assistance. Coverage details vary by plan tier, with LX offering the most comprehensive protection.
Trip Protection
Trip cancellation coverage reimburses 100% of non-refundable costs for illness, injury, death, serious weather and jury duty. Trip interruption provides 100% reimbursement on Lite and Choice plans, increasing to 150% on SE and LX plans.
Trip delay reimburses meals and accommodations after six hours. The LX plan offers a $2,000 maximum compared to $500 on other plans. Only LX includes change fee coverage up to $150 per person.
Medical and Evacuation
Emergency Medical (Lite/Choice/SE) | $100,000 |
Emergency Medical (LX) | $500,000 |
Emergency Evacuation (All Plans) | $500,000 |
Political/Disaster Evacuation | $100,000 per event |
Hospital Room | Semi-private rate coverage |
Walk-in Clinic Visits | $15 copay (waived with $0 deductible) |
Dental Emergency | Up to $300 |
Emergency Ambulance | Full coverage |
Interfacility Transfers | Full coverage |
Hospital Indemnity | $250/night (10-night maximum) |
Baggage and Travel Delays
Baggage Loss | $750 ($250/item) | $750 ($250/item) | $1,000 ($250/item) | $1,500 ($250/item) |
Baggage Delay | $150 (after 24 hrs) | $150 (after 24 hrs) | $300 (after 6 hrs) | $250 (after 12 hrs) |
Sports Equipment Rental | Not covered | Not covered | Not covered | $250/day |
Travel Assistance
All plans include 24/7 travel assistance for lost passports, emergency prescriptions and medical provider locations. Choice, SE and LX plans include Teladoc for remote medical consultations. IMG's Provider Access database includes over 17,000 providers worldwide with direct billing at select facilities.
Add-on Coverages
Cancel for Any Reason (CFAR) | Choice, SE, LX | 75% of trip costs | Within 14 days of initial deposit | Cancel at least 48 hours before departure. Not available in NY. |
Interruption for Any Reason | Choice, SE, LX | 75% of trip costs | Within 14 days of initial deposit | Not available in NY. |
What IMglobal Doesn't Cover
Review these exclusions before purchasing to avoid claim denials and make sure IMglobal meets your travel needs.
IMglobal excludes coverage for:
- Named storms after they've been officially named
- Amateur or professional sporting competitions
- Activities conducted under the influence of alcohol or drugs
- Travel against physician's advice
- Pre-existing conditions unless waiver requirements are met
- Mental health treatment
- Routine medical care
- Elective procedures
IMglobal User Reviews
IMglobal maintains a 4-star rating on Trustpilot from 18,798 customer reviews. Customer feedback highlights the company's comprehensive medical coverage and quick claims processing. But travelers also report frustrations with customer service accessibility and add-on purchase restrictions.
What Customers Like About IMglobal
- Responsive claims processing with most reimbursements completed within 30 days
- High medical coverage ($100,000-$500,000) and evacuation limits ($500,000) help travelers on international trips
- Direct billing at 17,000+ in-network providers eliminates upfront payment requirements
- Four plan tiers (Lite, Choice, SE, LX) let travelers match coverage to their specific needs and budgets
- Teladoc access on Choice, SE and LX plans offers convenient remote medical consultations
Common Complaints About IMglobal
- Customer service difficult to reach during peak travel seasons
- CFAR add-on must be purchased within 14 days of initial deposit, missing this window eliminates upgrade option
- Pre-existing condition waiver requirements confuse some travelers
- Adventure activity coverage gaps not always clear in policy documentation
- CFAR coverage not available in New York
IMglobal Claims Documentation Requirements
File claims online through IMG's member portal by creating an account and selecting "My Claims." IMG reviews claims within 30 days of receiving complete documentation.
Trip Cancellation/Interruption | Proof of trip payment (receipts, confirmation emails), documentation of covered reason (medical records, death certificate, employer letter), airline or hotel cancellation notices |
Medical Expenses | Itemized medical bills, medical records and physician statements, prescription receipts, payment proof |
Baggage Loss/Damage | Police reports for theft, airline baggage delay reports, purchase receipts for replacement items, photos of damaged items |
Trip Delay | Airline delay confirmation, receipts for meals and accommodations, proof of additional expenses incurred |
Emergency Evacuation | Medical necessity documentation, evacuation service invoices, physician authorization for transport |
FAQ: IMglobal Travel Insurance
What is IMG's AM Best rating?
IMG's underwriters SiriusPoint Specialty Insurance Corporation and United States Fire Insurance Company hold A- (Excellent) ratings from AM Best.
Does IMglobal cover cruise travel?
Yes, all four plans cover cruises including port closures, itinerary changes and other cruise-specific scenarios.
Can non-US citizens buy IMglobal coverage?
The iTravelInsured plans are for US residents only. Non-US citizens traveling to America should consider IMG's Patriot America plan.
How long does IMglobal take to process claims?
IMG reviews claims within 30 days of receiving complete documentation. Direct billing at in-network facilities eliminates claim submission for medical expenses.
Does IMglobal require a medical exam?
No. You must be medically able to travel at purchase to qualify for pre-existing condition waivers and full coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.