IMG Travel Insurance

Those two do not carry the same grade. AM Best upgraded SiriusPoint's rated operating subsidiaries to A (Excellent) in April 2026. United States Fire has held A+ (Superior) since the Crum & Forster upgrade of August 2025. Both are solid. Neither is the one you should assume you have.

Which means the useful instruction is short: read the underwriting company named on the certificate issued for your state. That document is the only thing that settles it.

There is a twist here worth the detour. IMG's own published disclaimer still describes an older, lower SiriusPoint rating — copy written before the upgrade and never refreshed. A carrier's own marketing lagging the rating agency by years is exactly why this site reads the source rather than the summary.

One more thread. United States Fire sits inside Crum & Forster — the group behind Seven Corners and Faye, and the outright owner of Travel Insured International. So several brands you would compare against each other place at least some of their travel risk with the same underwriting company. IMG is the most complicated of them, because its applicable underwriter can also be SiriusPoint.

The jump from SE to LX is where this range earns its reputation. Up to half a million in primary medical. Up to a million in evacuation. And a separate benefit for political, security and natural-disaster evacuation that almost nothing else in this series carries at all.

For a mainstream Caribbean sailing, SE is a reasonable default. For Alaska, the fjords, an expedition itinerary — anywhere the nearest adequate hospital and the hospital you would actually want are a long flight apart — the hospital-of-choice benefit alone is the argument.

And then there is the thing this carrier is genuinely bad at, which has nothing to do with what it covers.

This is not a reason to avoid IMG. The cover underneath is among the strongest in this series. It is a reason to ignore every date on this page, including ours, and read the plan document for your own state before you buy.

The practical version. Buying shortly after your initial deposit gives you the best chance of meeting the earliest window on offer. It does not on its own secure the benefit — you still have to satisfy the rest of the conditions in your plan document, including being medically able to travel when you buy and insuring later-added trip costs on time.

Buy LX if your itinerary goes somewhere remote. Up to $500,000 of primary medical, up to $1,000,000 of evacuation, and a separate benefit for political, security and natural-disaster evacuation that almost nothing else here carries. Alaska, Greenland, the fjords, expedition sailings — this is a serious policy for exactly those.

Buy it if you are on a high-deductible health plan. LX pays primary, so IMG settles first rather than waiting behind your insurer. On a cruise, where you often pay a foreign hospital yourself and claim later, that is a materially easier week.

Skip it if you cannot face reading a plan document. Said plainly: this carrier demands more homework than the others in this series. Four similarly named plans with genuinely different benefits, deadlines quoted four different ways, and terms that vary by state. If you want to buy something in ten minutes and never think about it again, another carrier will serve you better.

And find out which underwriter you actually have, because here your state can decide which company insures you. A (Excellent) and A+ (Superior) are both sound grades, so this is not a warning — but they are different companies with different balance sheets, and only your certificate says which one stands behind you. Given the size of the limits on LX, that is worth the ten seconds it takes to look.