The IMG Travel SE plan does not include auto insurance; it provides medical, trip cancellation, and baggage protection but excludes vehicle liability or collision coverage.
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Core Coverage of Travel SE
Travel SE focuses on health‑related benefits such as emergency medical expenses, hospital stays, and evacuation, as well as trip interruption, cancellation, and lost‑baggage reimbursement.
What's Not Covered
Vehicle-related risks—liability, collision, comprehensive, or personal injury protection for cars, motorcycles, or rentals—are not part of the plan. IMG expects travelers to obtain separate auto insurance or rely on a personal policy that extends abroad.
How to Add Auto Protection
Travelers can purchase a standalone auto rental insurance policy, add a non‑owner car insurance rider, or verify that their existing auto insurer provides international coverage. Some credit cards also include rental‑car collision damage waiver (CDW) when the rental is paid with the card.
Key Considerations
- Check your home auto policy for international extensions.
- Review credit‑card benefits for rental‑car coverage.
- Consider a dedicated travel‑auto endorsement if you'll drive frequently abroad.