IMG vs. Seven Corners vs. Travel Insured

IMG's philosophy is optionality. Four plans — Choice, Lite, Travel SE, Travel LX — and IMG states plainly that Choice lacks benefits SE and LX carry, rather than simply carrying smaller versions of them. A plan document that changes with your state. An underwriter decided by plan form and state, either SiriusPoint America or United States Fire, on two different AM Best grades. Four purchase deadlines describing two separate benefits. All of it is answerable, and none of it is answered for you.

Seven Corners' philosophy is concentration. Two comprehensive plans plus a dedicated cruise product, one insurance company, one purchase date gating the waiver and the cancel-for-any-reason upgrade together, and a medical limit level with the highest figure this site has found anywhere. Then five conditions turn up, and they do not all finish on the day you pay. Insure the full prepaid non-refundable cost, insure any later additions within fifteen days of each payment, cancel at least two days out to use CFAR, and read the two state exceptions printed in the carrier's own footnotes.

Travel Insured's philosophy is integration. One group owns the brand, writes the policies through United States Fire and answers the emergency line through C&F Services, with AM Best having upgraded Crum & Forster members to A+ (Superior) in August 2025. Nothing there has to be looked up twice. The cost of the neatness is a range relaunched on 11 December 2024 and never made available in three states.

Set the three beside each other and the pattern is almost too tidy to trust. IMG makes the buyer do the work in advance. Seven Corners makes the buyer do it continuously, for as long as the booking is still being paid for. Travel Insured does the work itself, then declines to sell the result behind three particular state lines. Nobody here hands out half a million dollars of medical cover for nothing.

Roughly half a million dollars of emergency medical, published as primary. IMG puts up to $500,000 on Travel LX, then adds that the applicable form varies with your state. Seven Corners puts up to $500,000 on Trip Protection Choice and names its exceptions in a footnote: Montana gets secondary evacuation, Missouri gets secondary medical and evacuation. Travel Insured describes around $500,000 on Platinum, then discloses a carve-out of its own: its primary plans are primary except for rental car damage and theft. Three companies at one altitude, and three ways of admitting that the altitude moves.

Up to $1,000,000 of emergency evacuation and repatriation on all three top plans, four times the $250,000 usually called a sensible minimum. IMG alone adds a second evacuation benefit, worth $50,000 and reserved for emergencies that are not medical. Seven Corners publishes the million, though one distributor listing shows half of it, and Travel Insured publishes it on Platinum while keeping around $200,000 on Essential, a respectable floor for a plan at the entry end.

Cancel-for-any-reason as an upgrade on the top plan rather than a standard benefit. IMG and Seven Corners both reimburse up to 75%, which is the market standard and not the halved rate some carriers offer. Travel Insured bundles it with interrupt-for-any-reason and publishes no dollar limit, which almost nothing else here manages. Seven Corners lets you cancel two days before departure; Travel Insured wants 48 hours' notice, and 72 hours into the trip before the interruption half responds.

A deadline counted from your first payment rather than your last. Seven Corners publishes 20 days from the initial deposit, with a 60-day look-back. Travel Insured publishes 21 days on Platinum and 14 below it, so the cheaper you buy the less time you get. IMG publishes four dates across four sources, and says openly that the plan document you receive depends on where you live.

Three of those four rows are a real tie. The fourth is a tie only if one line on a marketplace listing counts as evidence equal to a condition a carrier prints itself. It does not, which is why IMG scores worst of the three on the deadline row.

IMG wants an hour at the start, and it wants that hour from you. The two things a buyer wants settled before paying — who carries the risk, and by when the policy has to be bought — IMG answers with a dependency rather than an answer. IMG cover may be written by SiriusPoint America Insurance Company, whose rated operating subsidiaries AM Best raised to A (Excellent) in April 2026, or by United States Fire Insurance Company, at A+ (Superior) since August 2025. Both are sound. Only the certificate issued for your state settles which is yours, and IMG's own disclaimer still quotes a superseded, lower SiriusPoint grade.

The deadlines get the same treatment, and the two-way showdown takes them apart properly rather than in summary. Compressed to what a three-way needs: four dates appear across published sources, and they describe two benefits. Disregard all of them and open the plan document written for your state. IMG is the only carrier here whose toll is paid in uncertainty rather than in effort.

Seven Corners wants fifteen days, over and over. Anything added to the trip after you buy has to be insured within fifteen days of that payment, not fifteen days of the deposit. Cruises are bought in exactly the way that rule punishes: a deposit, then an excursion, then a hotel night, then a transfer. The same two-way works through the mechanics and what missing one costs. In a three-way the point is narrower. This is the only toll here that keeps being charged after you have driven through the gate.

Travel Insured wants a home address it is permitted to sell to. The current three-plan range launched on 11 December 2024, and residents of Montana, New York and Washington are not eligible for it. They are offered the previous Worldwide Trip Protector and Edge plans instead. Not a renamed version, not a marginally different limit, but an earlier generation of product. Everything good about Platinum describes something those residents cannot buy, which makes availability the only row here a buyer can do nothing about.

There is a fourth toll Travel Insured charges quietly, and it is worth pricing before you compare quotes. The base plans are deliberately lean and the rest is sold as optional bundles: cruise, flight, pet, hotel and theme park, rental car, baggage, extreme sports. Eight sit on Platinum, seven on Deluxe, five on Essential. The Cruise Bundle adds trip interruption for shore excursions, and nothing at checkout insists you take it. A base quote from Travel Insured and a base quote from either rival are not the same object.

IMG fails the buyer who will not read. It says as much itself, more or less. The plan document depends on your address, hospital of choice is missing from some plans in some states, and three plans in four publish no medical figure you could quote. Buy IMG in ten minutes off a comparison listing and you may end up on Choice, whose limits sit at the budget end of the family. That is two plans below the half a million you thought you were buying. Reviews mention support being hard to reach in peak season and confusion over the waiver requirements, which is the shape of complaint you would have predicted.

Seven Corners fails the buyer who books in pieces and then forgets. The cover is level with the best on this page and keeping it is the hardest work on this page, and both facts belong to one carrier for one reason. Reviews frequently mention slow claims processing, and reviewers describe the plans as priced above many competitors, some carrying a deductible. None of that establishes an approval or payment rate. It is a pattern worth knowing before buying the most condition-heavy policy in the series.

Travel Insured fails the buyer at the state line first, and a second buyer at the bottom of its own range. Essential carries around $50,000 of medical, around $200,000 of evacuation, no cancel-for-any-reason at any price, a fourteen-day waiver window and a twelve-hour delay threshold. Twelve hours was designed around a missed hotel night; a ship leaves at five with or without you. And a 2026 review puts standard claims processing at four to six weeks, a third-party estimate rather than an audited figure. Unremarkable, until you learn another carrier here pays some claims the same day.

Notice what none of those three failures is. None of them is the coverage. Every failure mode here is one of process, availability or attention, which is what happens once three companies converge on a limit and have to compete on something else.

Travel Insured leads this board, four rows against IMG's three and Seven Corners' one, and it leads on nothing you would call coverage. Its four are cancel-for-any-reason, knowing who insures you, legibility, and what the cheapest plan buys. IMG's three are evacuation, what is asked of you afterwards, and who is allowed to buy at all. Seven Corners leads one row, the waiver, and the medical limit it used to take here is a three-way tie at nine. Every one of the three tied rows is a coverage row, which is the finding rather than a failure of the scale, because a board led on paperwork is exactly what you get once the protection between three carriers stops differing.

Half a million is not a club of three, and the page's title is the loosest thing on it. This site's Freely guide records up to $500,000 of emergency medical and up to $1,000,000 of evacuation, bundled into one app-based plan as standard. That is level with the highest figures this site has found, and the guide scores the limit ten out of ten. So the honest premise is narrower than the headline. These three are the tiered comprehensive ranges that climb to half a million, and the climb is what this page is actually about: which tier, which state, which deadline. Freely has no tier to climb, sells no cancel-for-any-reason at any price, and belongs in a comparison against the other app-native carrier rather than this one — which is where Faye vs. Freely takes it. Read this page as three routes, not a census of the summit.

The three $500,000 figures are not the same kind of object, and this page leans on treating them as one. IMG publishes up to $500,000 and immediately says the applicable form depends on your state. Seven Corners publishes up to $500,000 and then sells the range as Economy and Elite in New York and Washington, on slightly different limits. Travel Insured is described as around $500,000 in current published materials, a researcher's hedge rather than a carrier's number. Line them up and they look identical. Read the qualifiers and every one of the three moves.

None of these carriers publishes a price, and price is what most people decide on. The one price signal here belongs to Seven Corners, and it is unflattering. Reviewers consistently describe it as more expensive than many competitors, with some plans carrying a deductible. There is no equivalent finding for IMG or Travel Insured, and that absence is not evidence they are cheaper. It is evidence nobody wrote it down.

Casting Travel Insured as the state-line carrier is unfair to it and generous to Seven Corners. Travel Insured excludes three states from its current range, which is severe and easy to check. Seven Corners renames its whole range in New York and Washington, gives Montana residents secondary evacuation and Missouri residents secondary medical and evacuation, and prints all of it in footnotes. IMG issues a different plan document depending on where you live. All three are state-shaped. Only one is state-shaped in a way you can discover in ten seconds.

Two of the eleven scorecard rows were built for this page. Six of them — medical, evacuation, who pays first, the waiver, cancel-for-any-reason and cruise benefits — are scored in all three carrier guides. Three more are scored in the guides as well: underwriter strength in IMG's, clarity in both IMG's and Seven Corners', availability in Travel Insured's. There availability takes the same four out of ten it takes here. That leaves what is asked of you afterwards, and where the range bottoms out. Those two exist because nothing else separates three companies that agree about the coverage, and a scorecard weighing whatever is left once the important rows tie has a thumb near the scale.

Four scores on this board were corrected to match the two-way, and one was left deviating. Where a row exists on both pages, the two-way's number governs. So the medical limit is a three-way tie at nine rather than a Seven Corners win, and who pays first ties at eight. Legibility reads four against five, and the bottom of the range is level at five. The exception is what is asked of you afterwards, where IMG keeps an eight against the two-way's seven, because that row here is also being scored against a carrier that does publish post-purchase deadlines. It is one point, and at the two-way's seven that row would tie IMG with Travel Insured instead of handing IMG the lead on it.

In many cases these three roads end at one balance sheet. United States Fire Insurance Company stands behind every Seven Corners policy, writes Travel Insured's as a fellow Crum & Forster company, and depending on plan form and state may write IMG's as well. The plan terms genuinely differ and the certificates are not interchangeable. The company carrying the risk may well be. The directory maps which brands share which plumbing.

And the claims evidence for all three is anecdotal, and should not be read as anything else. A 2026 review puts Travel Insured's standard processing at roughly four to six weeks. Reviews of Seven Corners mention slow claims against a long-established assistance operation, and reviews of IMG mention service being hard to reach at peak times. None of it establishes any company's approval or payment rate. A page that keeps insisting on reading the source has to say so about its own softest material.