International Mountain Guides Climbing and Mountaineering Expeditions

Travel and Cancellation Insurance

 

 

Help with Travel and Cancellation Insurance

Policy Requirement for Mountaineering Coverage

To receive coverage for mountaineering, the Adventure Sports Coverage MUST be purchased. Please note that to receive all benefits available (including other upgrades), your policy MUST be purchased within 21 days of initial trip payment. For trip specific recommendations on travel insurance please click here »

ATTENTION Washington and Montana State and Non-US Residents

Please be advised that Travel Guard does not offer a policy for your region, so we recommend the Travelex Travel Select policy with the Adventurer Plus Pak upgrade for your IMG program.

IMG requires that all*  trip participants purchase Travel Insurance that includes coverage for medical evacuation, repatriation and medical expenses for the duration of their IMG program. Trip Cancellation Insurance is strongly recommended. Trekking and mountaineering programs are true "adventure travel." As such, each program requires long lead-times — for us as a guide service and for you as a participant — in order to properly plan and prepare. Unexpected life events occur. Your travel plans might change due to illness while you are abroad or because of a family emergency even before you leave home. Our recommendation is that you protect your investment and welfare against these unexpected circumstances so you and your loved ones can prepare for your upcoming adventure with more peace of mind.

We recognize that deciding on the right insurance policy can become confusing and even trying. We've created this page to assist you in understanding the basics of this type of insurance and our suggestions for you. As our expertise lies in helping you to the top of mountains — not in the nuances of insurance policies — we strongly recommend that you address specific questions with your insurance agent and take time to thoroughly understand any policy you purchase.

* The insurance requirement does not apply to IMG customers on programs within the continental USA, but is strongly encouraged.

Trip-Specific Recommendations

Click on the headings below to view details on insuring your specific type of trip (click again on the heading to contract/hide the text for that section):

Mountaineering Climbs and Expeditions (not Mt. Rainier)  [+/-]

My Travel Guard with the Adventure Sports Coverage upgrade:

  • Receive all the base plan benefits including coverage for Mountaineering (exclusion without the Adventure Sports Coverage, see "Recommended Upgrades" below).
  • Base plan benefits include medical evacuation/repatriation coverage of up to $100,000.
  • By using IMG's account ID #148218, trip cancellation includes coverage of up to $100,000 and trip interruption of up to $100,000.
  • Recommended Upgrades:
    • Adventure Sports Coverage
      This upgrade waives the exclusion of coverage for mountaineering.
    • Hospital of Choice Evacuation Upgrade (Required for all Vinson Massif Expeditions)
      This upgrade increases the Emergency Evacuation limits up to $1,000,000.
    • Additional Unforeseen Events Upgrade — Optional
      This upgrade waives the exclusion of Pre-Existing Medical Conditions.
    • Cancel for Any Reason — Optional
      Any chance of needing to cancel for another reason not covered by your base policy? This upgrade is for you.
    • To receive these upgrade benefits, your policy and upgrades must be purchased within 21 days of initial trip payment.

Mt. Rainier Climbs and Training  [+/-]

My Travel Guard with the Adventure Sports Coverage:

  • Receive all the base plan benefits including coverage for Mountaineering (exclusion without the Adventure Sports Coverage, see "Recommended Upgrades" below).
  • Recommended Upgrades:
    • Adventure Sports Coverage
      This upgrade waives the exclusion of coverage for mountaineering.
    • Additional Unforeseen Events Upgrade — Optional
      This upgrade waives the exclusion of Pre-Existing Medical Conditions.
    • Cancel for Any Reason — Optional
      Any chance of needing to cancel for another reason not covered by your base policy? This upgrade is for you.
    • To receive these upgrade benefits, your policy and upgrades must be purchased within 21 days of initial trip payment.

ATTENTION Washington and Montana State and Non-US Residents

Please be advised that Travel Guard does not offer a policy for your region, so we recommend the Travelex Travel Select policy with the Adventurer Plus Pak upgrade for your IMG program.

Trekking (Kilimanjaro, Machu Picchu & Himalayan Treks)  [+/-]

My Travel Guard:

  • Trip cancellation coverage of 100% of trip cost, up to $100,000. Trip interruption coverage of 100% of trip cost, up to $100,000.
  • Medical evacuation/repatriation coverage of up to $100,000.
  • Recommended Upgrades:
    • Additional Unforeseen Events Upgrade — Optional
      This upgrade waives the exclusion of Pre-Existing Medical Conditions.
    • Cancel for Any Reason — Optional
      Any chance of needing to cancel for another reason not covered by your base policy? This upgrade is for you.
    • To receive these upgrade benefits, your policy and upgrades must be purchased within 21 days of initial trip payment.

Additional Remarks

Contacting Travel Guard by phone? When speaking with a Travel Guard representative by phone, please note IMG's account ID #148218. Travel Guard Call Center: 800-826-1300

Pre-existing medical conditions? No problem — just purchase the Additional Unforeseen Events Upgrade within 21 days of initial trip payment. This upgrade waives the exclusion of Pre-Existing Medical Conditions.

Haven't purchased your airfare yet? No problem. Purchase your plan within 21 days of your initial trip payment. Then once you have your airfare, give Travel Guard a call to add more coverage for the cost of your airfare.

Not sure you purchased the right plan? Don't worry. You have a 15 day review period to look things over and receive a refund of the policy premium less the processing fee if not fully satisfied.

Please be sure to review the plan details for more information. This web page is a partial description of benefits. Per Travel Guard, your individual policy will govern the final interpretation of any provision or claim.

International Mountain Guides
Why Travel Insurance?

Because we understand the level of commitment and dedication you expend to climb each mountain, IMG recommends that every climber protect their investment by purchasing Trip Cancellation Insurance. Travel Insurance that includes medical evacuation, repatriation and medical expenses is required for all IMG programs outside of the contiguous USA.

For those unexpected family emergencies or an injury that might prevent you from leaving home, your Trip Cancellation policy will have you covered. Travel Insurance helps you with problems you may encounter while abroad — ranging from lost luggage to medical evacuation due to illness. For those reasons, please consider insuring the full price of your program including any non-refundable transportation costs.

I want to let you know that I am grateful that I got my money's worth. I worked so hard to be able to afford the trip and it was worth every cent...
~Gary G.
I was very impressed with how everything was so well organized. It seemed like every little detail was covered. IMG is way better than the others. Way better! You guys are the best in the business...
~Jim P.
 
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