IMglobal has 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: October 12, 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 for different budgets and coverage needs
- 24/7 travel assistance through Teladoc on mid-tier and high-tier plans
- Optional CFAR on Choice, SE and LX plans
- Direct billing with select in-network providers
- Uniform pricing across all destinations
- CFAR is not available to New York residents
- The Basic Lite plan has lower coverage limits than competitors
- LX plan pricing exceeds most competitors’ premium tiers
- Trip interruption coverage tops out at 150% of trip cost on most plans
IMglobal Travel Insurance Plans and Features
Trip Cancellation | Covers 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 | Covers 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 | Maxed at $100,000 | Up to $100,000 | Maximum $100,000 | Up to $500,000 |
Emergency Evacuation | Up to $500,000 | Up to $500,000 | Cappeda at $500,000 | $500,000 maximum |
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 | Capped at $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 | Doesn't | No | No | Maxed at $40,000 |
Pet Kennel | No | Doesn't | No | $100 per day ($300 max) |
Plan Features:
- CFAR isn’t sold to New York residents
- Lite carries lower limits than competing basic plans
- LX is priced above most competitors’ premium tiers
- On most plans, trip interruption maxes out at 150% of trip cost
IMglobal Travel Insurance Rates
IMglobal's pricing is influenced by plan, trip cost and traveler age, but it remains consistent across destinations. Rates below reflect a 30-year-old California resident who is on a seven-day trip departing October 1 to 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 coverage covers meals and accommodations following a six-hour delay. The LX plan carries a $2,000 maximum against $500 on other plans. LX alone extends change fee coverage up to $150 per person.
Medical and Evacuation
Emergency Medical (Lite/Choice/SE) | $100,000 |
Emergency Medical (LX) | Is $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 per night (10-night maximum) |
Baggage and Travel Delays
Baggage Loss | $750 ($250 an item) | $750 ($250/item) | $1,000 ($250 per 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 around-the-clock travel assistance for lost passports, emergency prescriptions and medical provider locations. Choice, SE and LX plans incorporate Teladoc for remote medical consultations. IMG's Provider Access database encompasses over 17,000 providers worldwide with direct billing at select facilities.
Add-on Coverages
Cancel for Any Reason (CFAR) | Choice, SE, LX | is 3/4 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 two weeks of initial deposit | Not available in NY. |
What IMglobal Doesn't Cover
Look at these exclusions before purchasing to avoid claim denials and make sure IMglobal meets your travel needs.
IMglobal excludes coverage for the following:
- 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 has a 4-star rating on Trustpilot from 18,798 customer reviews. Customer feedback shows the company's comprehensive medical coverage and quick claims processing. But travelers also report frustrations with the accessibility of customer service and restrictions on add-on purchases.
What Customers Like About IMglobal
- Responsive claims processing with most reimbursements completed within 30 days
- High medical coverage ($100,000 to $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
IMG's underwriters SiriusPoint Specialty Insurance Corporation and United States Fire Insurance Company hold A- (Excellent) ratings from AM Best.
Yes, all four plans cover cruises including port closures, itinerary changes and other cruise-specific scenarios.
The iTravelInsured plans are for US residents only. Non-US citizens traveling to America should consider IMG's Patriot America plan.
IMG reviews claims within 30 days of receiving complete documentation. Direct billing at in-network facilities eliminates claim submission for medical expenses.
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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.