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.
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
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.
-
IMG Choice Plan: Purchase within 21 days of your first trip payment.
Cancel For Any Reason (CFAR)
Both plans offer CFAR add-ons. However:
-
TripWise® CFAR: Reimburses up to 75% of nonrefundable costs and not available in NY, WA, or MT.
-
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.
⚖️ Important Information
This article is provided for general informational purposes only and does not guarantee coverage or benefit eligibility. Travel insurance plans vary by provider, and all benefits are subject to the terms, conditions, limitations, and exclusions of the policy purchased.
ICI Traveler is not the insurance carrier or claims department and cannot determine claim outcomes. All coverage decisions, claim approvals, and reimbursements are made solely by the licensed insurance company or claims administrator identified in your policy documents.
We encourage every traveler to review their complete policy documents to fully understand their coverage.
💙 Need Help? The ICI Traveler Team Is Here for You
We're here when you need us. Before reaching out, we encourage you to explore our 🔎 Help Center, where you'll find
answers to hundreds of common travel insurance questions, coverage explanations, travel tips, and policy guidance.
📧 For general questions and non-urgent support: support@icitraveler.com
📞 For urgent questions or assistance before or during your travels: (800) 576-2674 / (719) 573-9080
Trusted travel insurance guidance for every destination, every traveler, every journey.