Could one policy really cover cancellations, medical emergencies, lost baggage and rental car damage all at once?
IMG Signature Travel Insurance is built for people planning future trips who want clear financial protection and quick help when things go wrong.
This plan offers headline limits you notice first: trip cancellation up to $100,000 and interruption up to 150% of trip cost. It also includes medical expense coverage up to $100,000 per person, dental sublimits, and AD&D protection. Baggage and personal effects are covered up to $2,500, and baggage delay pays up to $500.
For real-world disruptions, there are benefits for missed connections, trip delays, change fees, and rental car damage up to $40,000. Adventure-friendly perks include sports equipment rental and search & rescue support. Optional CFAR/IFAR can reimburse up to 75% of nonrefundable trip costs when eligible.
Underwritten by United States Fire Insurance Company (Crum & Forster, AM Best A), the plan also includes a 10-day free look and an initial claims assessment target of 24 hours for fast assistance.
Key Takeaways
- Why Choose IMG Signature Travel Insurance for Your Next Trip
- Who This Service Is For: Adventurous Travelers, Families, and Frequent Flyers
- img signature travel insurance: Key Benefits and Maximum Coverage Limits
- Signature PLUS Options: Cancel or Interrupt for Any Reason
- How IMG Signature Travel Insurance Works with a Global Rescue Membership
- How to Purchase: Members and Non‑Members
- Timing Matters: Purchase Within Days of Initial Trip Payment
- Claims, Support, and Direct Billing
- Understanding Exclusions, State Variations, and Terms
- Rental Car Damage, Baggage, and Equipment Protections
- Pricing Guidance and Value: Planning Coverage Around Your Trip Cost
- Trust & Provider Details
- Conclusion
- FAQ
- High limits: cancellation up to $100,000 and interruption up to 150% of trip cost.
- Strong medical protection: up to $100,000 per person plus dental and AD&D benefits.
- Practical trip support: baggage coverage, delays, missed connections, and change fee help.
- Extra perks: rental car damage up to $40,000, sports equipment rental, and search & rescue.
- Optional CFAR/IFAR offers up to 75% reimbursement when eligible.
- Trusted underwriting and a 10-day free look with a 24-hour initial claim assessment target.
Why Choose IMG Signature Travel Insurance for Your Next Trip
Choose a plan that pairs high limits with practical benefits so you can travel with confidence.
Comprehensive protection matters when a cancelled flight or overseas emergency could cost thousands. This policy mixes large limits — cancellation up to $100,000, interruption to 150% of trip cost, and medical up to $100,000 per person — with everyday help for delays, missed connections, and change fees.
Optional add‑ons like CFAR/IFAR can reimburse up to 75% of nonrefundable trip costs when eligible. Rental car damage and theft coverage up to $40,000 can reduce the need to buy costly counter coverage at pickup.
The plan pairs these limits with timely assistance: 24/7 support and an initial claims assessment target of 24 hours. It also works alongside a Global Rescue membership for medical evacuation and field services, giving financial protection plus emergency response.
“Backed by a strong underwriter, this provider gives clear limits and fast service when you need it most.”
| Key Feature | Limit | Practical Benefit | Note |
|---|---|---|---|
| Trip Cancellation | $100,000 | Recovers prepaid trip cost | High limit for expensive trips |
| Interruption | 150% of trip cost | Pays extra return/resume costs | Helps with last-minute changes |
| Medical Expense | $100,000 per person | Covers emergency care abroad | Critical for international travel |
| Rental Car Damage | $40,000 | May avoid counter insurance | Subject to state availability |
Trusted backing: Underwritten by United States Fire Insurance Company (Crum & Forster, AM Best A), the plan aims to combine strong financial support with practical services. Review state-specific plan documents to confirm exact benefits and availability.
Who This Service Is For: Adventurous Travelers, Families, and Frequent Flyers
Active explorers, group vacationers, and frequent fliers each face distinct risks; a tailored plan answers those needs.
Adventure travelers who bring specialized equipment benefit from sports equipment rental coverage up to $2,000 per person ($500/day). This helps skiers, divers, and cyclists get replacements or rentals quickly so a broken or lost item doesn’t end the day.
Families gain practical support with baggage and personal effects coverage up to $2,500 and baggage delay funds up to $500. These limits help replace essentials for children and keep group plans moving when luggage is late.
Frequent flyers value missed connection and trip delay benefits that protect tight itineraries and multi-destination trips. Combined with 24/7 assistance, this reduces stress when schedules change at odd hours.
Single-trip vs. annual use cases
Choose single-trip protection for a one-off vacation or explore annual options if you take many trips a year. Annual plans often save time and cost for repeat travelers and can offer in-network direct billing to reduce up-front medical payments abroad.
“Direct billing with in-network providers can make care abroad simpler and less costly at the moment of service.”
- Medical expense limits (up to $100,000 per person) help active travelers manage injury or illness costs.
- Search & rescue up to $10,000 is a smart add for risky excursions.
- Always review state availability and plan terms for your itinerary.
Compare options and learn more about specific benefits by visiting signature travel insurance.
img signature travel insurance: Key Benefits and Maximum Coverage Limits
Here are the specific maximums and benefits that define this policy’s protection package.
Trip cancellation is covered up to $100,000. Trip interruption pays up to 150% of the trip cost to cover added return or resume expenses.
Medical, dental, and AD&D
Accident & sickness medical expense covers up to $100,000 per person. A dental sublimit of $1,000 helps with urgent dental care. Common carrier AD&D provides up to $100,000 for covered accidents on public transport.
Disruption and baggage benefits
Trip delay pays up to $1,000 total ($250/day after 6 hours). Missed connection offers up to $500 after a 3-hour wait. Change fee reimbursement is capped at $300.
Baggage and personal effects are covered to $2,500 with a $250 per-item limit. Baggage delay provides up to $500 for essentials.
Property, car, and adventure protections
Rental car damage and theft coverage extends to $40,000 per vehicle. Sports equipment rental is covered up to $2,000 ($500/day). Search & rescue pays up to $10,000. Frequent travelers may receive a $75 reward for loyalty.
Confirm state-specific variations and read full plan documents before purchase. For an independent overview, see the signature travel insurance review.
Signature PLUS Options: Cancel or Interrupt for Any Reason
For travelers seeking extra flexibility, Signature PLUS lets you cancel or interrupt for reasons that the base plan does not cover.
CFAR/IFAR at 75% reimbursement explained
CFAR (Cancel For Any Reason) and IFAR (Interrupt For Any Reason) are premium options that reimburse up to 75% of non‑refundable, insured trip cost. These add-ons cover personal changes such as a change of heart or shifting family plans that are not covered under the base cancellation benefits.
Availability, cost, and New York state limitations
CFAR and IFAR must be purchased together as Signature PLUS and add to the overall plan premium. They only apply when the per‑person insured trip cost is $100,000 or less.
- Eligibility: must be purchased within 20 days of your initial trip payment to qualify.
- Not offered to New York residents due to state rules.
- Standard covered reasons (like serious illness) remain under the base cancellation benefit; CFAR/IFAR extends optional reasons.
“Adding Signature PLUS increases flexibility but adds cost — it can be worth it for high‑value, complex itineraries.”
Tip: Verify the add‑on at checkout and read documentation for timing and proof requirements to ensure smooth reimbursement.
How IMG Signature Travel Insurance Works with a Global Rescue Membership
Combining a financial protection plan with a dedicated evacuation service creates a broader safety net for high‑risk or remote trips.
Financial coverage vs. emergency response: The plan reimburses losses like cancellation, interruption, medical bills, baggage, and rental car damage. A global rescue membership focuses on getting you out of danger—medical and non‑medical evacuations, security extractions, and 24/7 advisory support worldwide.
Evacuation can be extremely costly. Complex rescues or long‑distance medevacs may exceed $25,000 to $250,000+, so a membership that handles logistics can be lifesaving and cost‑effective.
| Service | Provided By | Why It Matters |
|---|---|---|
| Medical evacuation | Global Rescue membership | Rapid extraction and transport to appropriate care |
| Trip cancellation/interruption | Financial protection plan | Reimburses prepaid nonrefundable costs |
| 24/7 advisory | Global Rescue membership | Real‑time security and medical advice |
| Medical expense coverage | Financial protection plan | Pays inpatient and outpatient emergency care abroad |
Most complete protection: Holding both products links operational rescue with monetary reimbursement. In crises such as political unrest or natural disasters, rescue teams handle extraction while the plan covers medical bills and trip losses.
- Global Rescue membership includes medical and non‑medical evacuations, security extractions, and continuous advisory services.
- The plan covers cancellation, interruption, medical expenses, baggage, delays, and rental car damage.
- Over 1 million members trust Global Rescue, including the US Ski Team, NASA, and National Geographic.
How they work together: Memberships and plans are distinct but complementary. Purchase each product as needed and review terms so coverage and services match your destination and activities.
How to Purchase: Members and Non‑Members
First confirm if you already hold a membership, then follow the appropriate checkout path. The process is straightforward and organized to get coverage quickly.
Existing members
Log in to your Member Portal, select Travel Insurance from the left menu, and complete the checkout steps to add the plan.
If you cannot recall login credentials, contact Member Services at 617-459-4200 or email memberservices@globalrescue.com for help.
Non‑members
Visit the Join Now pathway to enroll, then add the plan during checkout when prompted. You may also purchase a policy without membership via partner page links and follow the on‑screen prompts.
Quick tips and support
- Prepare trip details in advance: dates, destination, total trip cost, and traveler names.
- Confirm whether you want Signature PLUS (CFAR/IFAR) if still within the eligibility window.
- Verify state availability and per‑person trip cost limits, including New York restrictions.
- Keep your confirmation email and policy documents for reference and claims.
- For technical or purchase questions, member services can guide you through the process.
“Purchase early to preserve eligibility for pre‑existing condition waivers and CFAR/IFAR options.”
Timing Matters: Purchase Within Days of Initial Trip Payment
Buy early to unlock key protections that depend on purchase timing. If your policy is purchased within days of your initial trip payment, you gain two major advantages that many travelers miss.
Pre‑existing condition waiver eligibility
Purchase within 20 days of your initial trip payment and the plan automatically includes a pre‑existing medical condition waiver at no added cost, provided you are not disabled from travel when the plan cost is paid.
Unlocking CFAR/IFAR by buying within 20 days
CFAR/IFAR (75% reimbursement) is available only if the add‑on is purchased within that same 20‑day window and is sold together as Signature PLUS. Note: per‑person insured trip cost must be ≤ $100,000 to qualify, and New York residents are excluded from this option.
Policies only cover unforeseen events that occur after the purchase date, so earlier purchase widens your effective protection window. Document your initial trip payment date and set reminders to buy the plan before the 20‑day deadline.
- Keep receipts for deposits like airfare or tour down payments to align timing.
- Early purchase clarifies effective dates and can simplify later claims.
- Always read plan documents for the exact definition of “pre‑existing condition” and required proof.
“Buying soon after your first trip payment preserves options and adds financial flexibility when plans change.”
For details on purchase steps and eligibility, visit this Global Rescue travel page.
Claims, Support, and Direct Billing
When you need help, clear claims steps and fast responses make the difference.
IMG aims to give a prompt first review: the insurer targets an initial claims assessment within 24 hours after you submit a claim. That early review clarifies next steps and any missing documentation.
How to file a claim and access in-network care
Create or log into your portal account, open the Claims area, choose the correct policy, and follow the on-screen prompts to start a new claim. Upload clear, legible receipts, medical reports, proof of delay, and any itineraries to speed processing.
Use the Provider Search Tool to find in-network care before you go or while abroad. With eligible providers, direct billing can let the facility bill the insurer so you avoid large out-of-pocket payments at the point of service.
24/7 assistance and what to expect
Member services provide 24/7 support for medical and major disruptions. Call or message for guidance if you’re hospitalized, need a medical evacuation, or face a serious itinerary loss.
| Support Topic | Action | Effect |
|---|---|---|
| Initial assessment | Submitted claim reviewed within 24 hours | Fast clarification of missing items or next steps |
| Filing process | Portal login → Claims → Select policy → Upload docs | Simplifies tracking and reduces errors |
| Direct billing | Provider bills insurer when in-network | Lower out-of-pocket at time of care |
| 24/7 assistance | Always-on help for medical and disruption events | Operational guidance and rescue coordination |
Practical tips: keep copies of tickets, itineraries, and medical reports. Complete documentation shortens approval timelines. If you need portal help or have member questions, contact Member Services for support. Review your policy’s coverage triggers and exclusions so you know when a claim is eligible.
“A clear claim, complete documents, and early contact with member services are the fastest path to resolution.”
For an independent overview of plan details and filing expectations, see this NerdWallet summary: IMG travel insurance review.
Understanding Exclusions, State Variations, and Terms
Start with the fine print: exclusions, state variations, and timing rules drive coverage outcomes. That clarity reduces surprises when filing a claim.
Pre‑existing conditions, epidemics, and named storms
Pre‑existing condition waivers apply only if you buy the plan within 20 days of your first trip payment and you are able to travel when you pay the premium.
Exclusions often include epidemics and severe storms after a storm is named. Verify the policy language before storm season to confirm protection limits.
Free Look Period and refund eligibility
The plan includes a 10‑day Free Look: get a full refund if you cancel within 10 days of the effective date, your trip has not started, and you have not filed a claim.
- Benefits and availability vary by state—read your state‑specific documents.
- CFAR/IFAR is not available to New York residents and has extra eligibility rules.
- Understand key definitions like “covered reason,” “pre‑existing condition,” and “reasonable and customary.”
Preserve benefits by meeting notification deadlines and keeping receipts. Contact the provider for clarification before purchase to set clear expectations for service and care.
“Knowing the rules ahead of time smooths the claims process and avoids last‑minute surprises.”
Rental Car Damage, Baggage, and Equipment Protections
Clear rules on car and baggage coverage help you file claims faster and with less stress.
Rental car damage and theft
Rental car damage and theft are covered up to $40,000 per covered vehicle. This limit can offset or replace counter‑offered waivers at pickup and may save you from buying costly add‑ons at the desk.
Keep key documentation: the rental agreement, damage photos, and a police report when required. These items speed claims and prove fault or loss.
Baggage, delays, and equipment rental
Baggage and personal effects are covered to $2,500 with a $250 per‑item cap. That sets realistic expectations for high‑value items.
Baggage delay pays up to $500 for essential purchases after a qualifying delay. Keep receipts and the airline PIR (property irregularity report).
Sports equipment rental is covered up to $2,000 ($500/day) to rent or replace gear that is lost, delayed, or unusable.
| Protection | Limit | Notes |
|---|---|---|
| Rental car damage & theft | $40,000 per vehicle | Use rental agreement and photos for claims |
| Baggage & personal effects | $2,500 total ($250/item) | Retain receipts and airline PIRs |
| Baggage delay | $500 | Eligible after carrier delay; keep receipts |
| Sports equipment rental | $2,000 ($500/day) | Covers replacement or rental costs |
- Document everything: photos, receipts, PIRs, and police reports.
- Check exclusions (high‑value jewelry, wear and tear, or depreciation rules).
- Verify whether a credit card offers overlapping car or baggage benefits and whether it pays primary or secondary.
- Confirm coverage for international destinations and country‑specific limitations before your trip.
“Photograph contents, report issues promptly, and keep all receipts to speed reimbursement.”
Pricing Guidance and Value: Planning Coverage Around Your Trip Cost
Start by calculating nonrefundable expenses to see how premiums will scale. Pricing depends primarily on total trip cost and how long you’ll be away. Shorter trips and lower prepaid costs usually mean lower premiums.
How trip duration and total trip cost affect price
Premiums rise as your trip cost and duration increase. Accurately list airfare, tours, and nonrefundable hotel deposits so the insured amount reflects true exposure.
When premium add‑ons are worth it
Adding CFAR/IFAR (Signature PLUS) increases the premium but can be worthwhile for high-value or unpredictable trips. Consider it for remote destinations, peak-season bookings, or multi‑segment itineraries.
- Trade‑off: this provider plan can cost more than some competitors, yet higher medical limits and rental car coverage may justify the price.
- Compare coverage levels—not just sticker price—especially medical limits, interruption percentage, and specialty benefits.
- Check credit card protections for overlap; if your card covers certain expenses, you may adjust the plan you buy.
Save quotes, document changes to trip cost, and update the insured amount if you add prepaid expenses. Choose coverage dates that include pre‑departure risk windows and confirm deductibles, sublimits, and exclusions before checkout.
“Verify final pricing and benefits in the provider plan documents so you know what you’re buying.”
Trust & Provider Details
Trust grows when operational rescue pairs with solid financial backing for unexpected events.
IMG and Global Rescue partnership overview
How the two work together: The policy supplies financial coverage while Global Rescue delivers evacuation and advisory services many travelers value.
This partnership streamlines support: members can coordinate a rescue operation and start a claims process through clear channels. Global Rescue is trusted by over one million members, including organizations like the US Ski Team, NASA, and National Geographic, which underscores its operational credibility.
Underwriting by United States Fire Insurance Company (Crum & Forster, AM Best A)
Financial strength matters: Benefits are underwritten by United States Fire Insurance Company, part of Crum & Forster, with an AM Best A (Excellent) rating. That rating signals reliable claims-paying capacity and adds consumer confidence in policy performance.
Membership and the policy are separate products that address different risks. Together they form a system that combines operational rescue with monetary protection for medical bills, cancellations, and property losses.
“A reputable provider, established services, and strong underwriting are key markers of a dependable plan.”
- Partnership: operational rescue services paired with monetary coverage.
- Credibility: Global Rescue serves 1M+ members and high-profile organizations.
- Underwriting: United States Fire Insurance Company — AM Best A (Excellent).
- Note: availability and exact benefits vary by state; consult plan documents.
- Need help? Use official Member Services channels to pick the right mix of membership and coverage.
Conclusion
Plan your purchase early to lock in time-sensitive benefits and wider protection.
IMG Signature delivers broad coverage across cancellation, interruption, medical expenses, delays, baggage, and rental car damage. Add Signature PLUS (CFAR/IFAR) within the eligibility window to get up to 75% reimbursement for qualifying nonrefundable costs.
Pair this plan with a Global Rescue membership for evacuation and advisory services so operational help and monetary coverage work together. Buy within 20 days of your initial trip payment to qualify for the pre-existing condition waiver and CFAR/IFAR (not available in New York).
For help purchasing or login issues, contact Member Services at 617-459-4200 or memberservices@globalrescue.com. Save confirmations, set reminders, and get a quote aligned to your trip cost and duration to secure the right plan for your upcoming trip.
FAQ
What does IMG Signature Travel Insurance cover for trip cancellation and interruption?
This plan covers trip cancellation up to 0,000 and trip interruption up to 150% of the insured trip cost. Covered reasons include illness, injury, and other specified events listed in the policy. Optional Cancel For Any Reason (CFAR) or Interrupt For Any Reason (IFAR) coverage can reimburse up to 75% when purchased and activated per plan rules.
How much medical expense coverage does the plan provide?
The policy includes up to 0,000 per person for emergency medical expenses, with a dental sublimit for emergency dental treatment and Accidental Death & Dismemberment (AD&D) benefits as specified in the certificate.
Are baggage loss and delay covered?
Yes. The plan provides benefits for baggage loss, theft, and delay, along with reimbursement for delayed essentials. Coverage limits and required documentation are detailed in the policy terms.
Is rental car damage included?
Rental car damage and theft are covered up to ,000 per vehicle under the plan’s vehicle loss benefit, subject to policy limits, exclusions, and required proof of loss.
What search and rescue or emergency evacuation services are available?
The plan includes search & rescue coverage up to ,000. Emergency evacuation and repatriation services are available and may pair with Global Rescue membership services for operational response and transport.
How does the Global Rescue membership work with this policy?
Global Rescue provides field rescue, medical extraction, and evacuation logistics; IMG’s plan offers financial protection for medical and travel losses. Many travelers purchase both so Global Rescue handles the extraction and IMG covers related medical, evacuation, and trip expenses per the policy.
Who is this plan best suited for?
It’s designed for adventurous travelers, families, and frequent flyers who want broad medical and trip protection — including coverage for sports equipment rental, rental vehicles, baggage, and longer or multi‑trip needs.
Are adventure sports and equipment rental covered?
Many common adventure activities and rented sports equipment are covered, but some high‑risk activities may require an upgrade or be excluded. Check the activity list and equipment limits in the certificate before booking.
What are Signature PLUS, CFAR, and IFAR options?
Signature PLUS refers to optional benefits that include Cancel For Any Reason (CFAR) or Interrupt For Any Reason (IFAR). These provide up to 75% reimbursement when you buy the option within the required timeframe and meet eligibility rules. Note availability varies by state, and New York has limitations.
How soon must I buy the plan to get pre‑existing condition waivers?
To qualify for the pre‑existing medical condition waiver, you generally must purchase the plan within a set number of days after your initial trip payment—commonly 14–20 days depending on the product—and insure the full non‑refundable trip cost.
What is the purchase process for members and non‑members?
Existing Global Rescue or IMG members can log in, select the travel product, and complete purchase online. Non‑members can enroll and add the plan during checkout. Member Services is available by phone and email for assistance with enrollment and plan selection.
How do I file a claim and what is the typical response time?
File claims via the insurer’s claims portal or by email/phone as outlined in the policy documentation. Initial claim assessment aims to start within 24 hours of receipt; full processing time varies by complexity and required receipts.
Is there direct billing for medical providers?
The plan offers coordination with in‑network providers and, where available, direct billing for eligible medical services. Always confirm provider arrangements with Member Services before treatment when possible.
What exclusions or state variations should I know about?
Standard exclusions include certain pre‑existing conditions (unless waived), epidemics/pandemics per policy wording, and named storm provisions. State availability and specific coverages vary; check the policy for your state and the Free Look Period for refund rights.
How does timing affect CFAR/IFAR eligibility?
CFAR/IFAR requires purchasing the option within the plan’s specified window—often within 14–20 days of initial trip deposit—and insuring the full trip cost. Late purchases typically do not qualify for these enhanced cancel/interrupt benefits.
What should I know about pricing and deciding on add‑ons?
Price depends on trip cost, duration, traveler age, and optional benefits like CFAR or increased medical limits. Compare the premium against non‑refundable trip costs and potential medical evacuation exposures to judge value.
Are there limits for dental, AD&D, or lost equipment?
Yes. Emergency dental has a sublimit, AD&D benefits are capped per policy, and limits apply to lost or damaged equipment, including sports gear. Review the schedule of benefits for exact dollar amounts.
Who underwrites the plan and what are the provider credentials?
The product is underwritten by United States Fire Insurance Company (part of Crum & Forster), rated by AM Best. Coverage is administered in partnership with Global Rescue for evacuation services and policy distribution.
Can I get a refund if I change my mind after purchase?
Most plans include a Free Look Period during which you may cancel for a full refund if unused. Refund eligibility and timelines are specified in the policy and vary by state and product.
How are trip interruption expenses like missed connections or change fees handled?
The plan includes benefits for missed connections, trip delay, and change fees up to the policy limits when caused by covered reasons. Documentation such as carrier records and receipts is typically required for reimbursement.
Where can I find contact information for emergency assistance and Member Services?
Emergency assistance and Member Services contact details appear in your policy documents and on the insurer’s website. A 24/7 assistance line is available for medical evacuations, travel issues, and claims guidance.