Travelers with or considering International Medical Group (IMG) travel insurance for Israel may have questions about coverage. In general, IMG plans continue to provide benefits for eligible events unrelated to the ongoing conflict, subject to each plan’s terms. IMG considers the conflict a known event; its insurance plans exclude losses directly resulting from it. Coverage differs among trip protection, travel medical, and long-term insurance plans.
Why IMG plans exclude losses caused by the ongoing conflict in Israel
IMG trip protection plans provide cancellation and interruption benefits only for unforeseen reasons listed in the insurance certificate. Unforeseen means travelers did not know about, anticipate, or reasonably expect an event when purchasing insurance. IMG considers the ongoing conflict in Israel a known event and excludes trip cancellations or interruptions directly caused by it.
IMG plans have a war exclusion, meaning IMG does not cover losses caused by war, even without a formal declaration. The exclusion extends to invasion, civil war, and uprisings.
What IMG plans still cover
Israel travel insurance under IMG continues to provide the same benefits for eligible events not caused by the ongoing conflict. A planned trip to Israel canceled due to a covered illness. A doctor visit for the flu while in Israel. An injury with no connection to the hostilities. IMG plans continue to cover cancellation costs and medical expenses under their standard terms, conditions, and exclusions.
What IMG plans do not cover
IMG’s travel insurance war exclusion applies to losses directly caused by the ongoing conflict in Israel. A planned trip canceled because of war-related events. An injury caused by the fighting while in Israel. IMG excludes the resulting cancellation costs and medical expenses under the applicable plan’s terms.
How IMG coverage differs by plan type
IMG plans cover different travel and medical needs. Each plan has specific benefits, limits, and conditions for cancellations, terrorism, and evacuation.
Trip protection plans
IMG’s trip protection plans reimburse eligible cancellation and interruption costs for listed unforeseen reasons. A sickness or injury unrelated to the ongoing conflict may still qualify. Certain events involving terrorism, government advisories, and travel restrictions have separate conditions.
| IMG Plan | Trip Cancellation/Interruption | Terrorism | Political/Security Evacuation |
|---|---|---|---|
| Travel LX | Listed unforeseen reasons; new Level 4 advisory, evacuation order, travel ban for an itinerary city, or 6+ hour airport civil disorder/riot | Qualifying Terrorist Incident | $50,000 maximum |
| Travel SE | Listed unforeseen reasons; new Level 4 advisory, evacuation order, travel ban for an itinerary city, or 6+ hour airport civil disorder/riot | Qualifying Terrorist Incident | Not included |
| Travel Choice | Listed unforeseen reasons; new Level 4 advisory | Qualifying Terrorist Incident | $100,000 maximum |
| Choice Cruise | Listed unforeseen reasons; new Level 4 advisory; missed port of call following a Terrorist Incident | Qualifying Terrorist Incident | $100,000 maximum |
A Level 4 travel advisory is the U.S. Department of State’s highest advisory level, meaning Do Not Travel. A Terrorist Incident is an act of violence that meets the terrorism definition in the insurance certificate. The specific definition and qualifying conditions vary by plan.
Travel medical insurance plans
IMG travel medical plans cover eligible illnesses and injuries during international travel, subject to certificate terms. When comparing travel medical insurance Israel plans, terrorism and political evacuation are separate benefits with plan-specific limits and conditions.
| IMG Plan | Trip Cancellation/Interruption | Terrorism | Political/Security Evacuation |
|---|---|---|---|
| Patriot International® Lite – Individual and Group; Patriot International Platinum™ – Individual and Group; Patriot Multi-Trip™ – Individual and Group | No trip cancellation benefit | $50,000 maximum | $100,000 maximum |
| GlobeHopper® Senior Single-Trip; GlobeHopper® Senior Multi-Trip | Trip interruption for a relative’s death or damage to the traveler’s home | $50,000 maximum | $50,000 maximum |
| Patriot Exchange Program™ – Individual and Group | No trip cancellation benefit | $50,000 maximum | $10,000 maximum |
| Student Health Advantage™ – Individual and Group | No trip cancellation benefit | $50,000 maximum | $10,000 maximum |
Long-term, expat, missionary insurance plans
For longer stays in Israel, coverage differs most in how IMG handles terrorism, trip interruption, and political evacuation.
| IMG Plan | Trip Cancellation/Interruption | Terrorism | Political/Security Evacuation |
|---|---|---|---|
| Outreach® International Insurance – Individual; Outreach® Group Travel Medical Insurance | Trip interruption up to $5,000 | $50,000 maximum | Up to $10,000 |
| Global Medical Insurance® – Bronze, Silver, Gold | No trip cancellation benefit | Excluded | Not included |
| Global Medical Insurance® Platinum | No trip cancellation benefit | Excluded; optional Terrorism Rider up to $50,000 lifetime | $10,000 lifetime maximum |
| GEO Group | No trip cancellation benefit | Excluded | $10,000 lifetime maximum |
All plans in the group exclude war. Outreach includes terrorism and political evacuation benefits. Global Medical Insurance excludes terrorism unless the $50,000 lifetime Terrorism Rider is added, while GEO Group excludes terrorism entirely.
How travel advisory timing affects IMG coverage
For Israel travel advisory insurance, timing matters. A Level 3 advisory, meaning Reconsider Travel, or a Level 4 advisory, meaning Do Not Travel, can affect certain IMG benefits. As of the posting date, October 21, 2026, Israel is at Level 3, with specified areas at Level 4. Advisory status alone does not determine coverage.
For plans with terrorism coverage, benefits do not apply if a qualifying State Department advisory or CDC Level 3 or higher notice was in effect on or within six months before arrival. Coverage can also be excluded if an advisory takes effect after arrival and the traveler unreasonably remains.
Political evacuation requires an order directing all non-emergency U.S. government personnel to leave due to political unrest after arrival. The traveler must contact IMG within 10 days. A qualifying advisory in effect on or within six months before arrival can exclude the benefit.
Trip protection plans use purchase or effective dates. Listed covered reasons must meet the timing requirements in the applicable certificate. If included, political or security evacuation does not apply when the qualifying event precedes arrival.
What to check before buying an IMG plan or traveling to Israel
- Review the insurance certificate. Check exclusions, definitions, and benefit triggers to understand the Israel travel insurance coverage provided by the plan.
- Compare important travel dates. Purchase, effective, departure, and arrival dates can affect eligibility for certain benefits, including trip cancellation insurance Israel benefits.
- Check the current U.S. Department of State travel advisory. Advisory level and timing can affect terrorism and political evacuation benefits.
- Contact an agent with coverage questions. An agent can explain plan terms and point you to the applicable certificate provisions.
Frequently Asked Questions
Does IMG travel insurance cover war in Israel?
If I cancel my trip to Israel because of the conflict, will I be reimbursed?
If I get sick or hurt in Israel for a reason unrelated to the conflict, am I covered?
Is terrorism covered under IMG plans?
What if the U.S. government orders an evacuation?
Does the State Department advisory level affect my coverage?
Compare IMG plans for travel to Israel based on trip length, coverage needs, and plan benefits. Get quotes or contact us today with questions about specific certificate terms and exclusions.
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