TripWise® vs. The Choice Plan (IMG): What’s the Difference?
Compare these two popular travel insurance plans to determine which fits your trip needs best.
Overview
Both TripWise® and The Choice Plan by IMG are trusted options for travelers seeking comprehensive protection for their trips. While both offer solid coverage for medical emergencies, trip cancellation, and travel delays, each plan has its own structure, features, and ideal use case.
This article provides a side-by-side comparison to help you decide which plan is the best fit for your trip—whether you're going on a cruise, tour, international vacation, or mission trip.
🧾 Quick Comparison Table
| Feature | TripWise® | IMG Choice Plan |
|---|---|---|
| Max Trip Cost | $25K per person | $10K per person |
| Trip Cancellation | Up to 100% | Up to 100% |
| Trip Interruption | Up to 150% | Up to 150% |
| Emergency Medical |
$100,000 (option to increase to $500,000) |
$100,000 (option to increase to $250,000) |
| Pre-Existing Condition Waiver | Yes, if purchased within 21 days | Yes, if purchased within 21 days |
| Cancel For Any Reason (CFAR) | Available as upgrade | Available as upgrade |
| Telemedicine Access | n/a | Included |
| Baggage Coverage | Up to $2,500 | Up to $1,000 |
| Travel Delay | Up to $2,500 | Up to $1,000 |
| Claims Department Reputation | Known for quick responses and customer service | Reliable with IMG’s global support system |
| Underwriter | United States Fire Insurance | SiriusPoint |
📌 Key Differences to Consider
✈️ Flexibility with Plan Options
TripWise® allows you to customize coverage levels to meet the exact needs of your trip. It’s ideal for those who want more control over how much coverage they’re getting for medical, trip cancellation, and travel delay. The TripWise® plan can cover trip costs up to $25,000 per person.
IMG’s Choice Plan is more streamlined but varies by age and trip cost. It’s a solid all-in-one package, especially for younger travelers or straightforward itineraries. The Choice Plan can cover trip costs up to $10,000 per person.
🩺 Pre-Existing Medical Conditions
Both plans offer pre-existing condition waivers, but the timing is key:
-
TripWise®: Purchase within 21 days of your first trip payment.
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IMG Choice Plan: Purchase within 21 days of your first trip payment.
🔄 Cancel For Any Reason (CFAR)
Both plans offer CFAR add-ons. However:
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TripWise® CFAR: Reimburses up to 75% of nonrefundable costs and not available in NY, WA, or MT.
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IMG Choice CFAR: Reimburses up to 75% of nonrefundable costs and not available in MO, MT, MN, or NY.
TripWise® often has more consistent access to CFAR, especially for mission groups or custom tours.
CFAR is not available in Israel on any plan.
❓Still Not Sure?
We’re happy to walk you through both plans and help you choose the one that fits your itinerary and budget.
📞 (800) 573-9080
✉️ support@insuranceconsultantsintl.com
⚖️ Disclaimer
This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.
Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.
It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.