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International Medical Group (IMG) Travel Insurance Review – Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

29 Published Articles 3095 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Why Purchase Travel Insurance

Why purchase travel insurance from img, travel insurance and covid-19, types of policies offered by img, how to get a quote, the value of travel insurance comparison websites, to credit card travel insurance, to other travel insurance companies, to point-of-sale coverage, how to file a claim with img, everything else you need to know, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

It’s been especially important to protect our travel investments recently. You’ve likely had to cancel at least 1 trip in the past couple of years, and there’s still the uncertainty of whether future trips could face the same fate.

As a result, seeking out travel insurance that’s both affordable and provides the right combination of coverage has become an essential element of the trip-planning process versus a mere afterthought.

When it comes to purchasing travel insurance , it can be difficult to know where to start. Whether you conveniently buy the coverage offered when you purchase your trip, compare travel insurance companies and policies in-depth, or rely on your credit card with travel insurance , having as much information as possible can be helpful in making a decision on travel insurance.

Today we’re going to focus on 1 specific travel insurance company, International Medical Group, Inc. (known as IMG or IMGlobal). We’re also going to talk briefly about travel insurance in general, give you some tips on finding the best travel insurance value, and provide some direction when faced with the decision of whether you need to purchase coverage.

We’ll get to our review of IMG in short order, but let’s start by briefly discussing why you’d want to consider purchasing travel insurance.

Travel insurance provides protection for economic loss should unexpected covered events occur prior to and during your travels. The more money you have at risk, the greater the need to consider travel insurance.

If you’re simply purchasing a domestic flight and hotel for a weekend away, you may not need to purchase travel insurance.

However, if your trip includes a lot of non-refundable expenses or your itinerary is complex (increasing the chances that something could go wrong), you’ll want to be fully protected.

In addition, if your trip includes potentially dangerous sports activities , you’re visiting remote locations, or if you will not have medical insurance during your travels, you’ll also want to strongly consider travel insurance.

Here are some sample situations where travel insurance could provide protection:

• You’re on safari, become seriously ill, and need to be evacuated to the nearest hospital.
• There is severe weather, your flights are canceled and you must stay at a hotel overnight before continuing your trip.
• An immediate family member passes away causing you to cancel your trip.
• You’re skiing, fall, and break your leg.
• There is a flood, your home becomes uninhabitable, and you must cancel your trip.

Bottom Line: If your trip is expensive, has a complex itinerary, you’re visiting a remote location, or you need medical coverage during your travels, you should consider a comprehensive travel insurance policy.

There are a lot of companies from which to select when purchasing travel insurance. The bottom line, however, is whether the company is financially sound, can pay its claims, offers a policy that is affordable, and has coverage matching your needs.

IMG checks all those boxes as a leading provider of international health insurance, travel medical insurance , and comprehensive travel insurance. The company’s parent company, SiriusPoint America Insurance Company, is rated A- (Excellent) by prominent insurance financial rating company A.M. Best . Additionally, IMG has been around for over 25 years, so you know you’re dealing with an established company.

IMG has also been accredited by the Better Business Bureau since 2005 and has an A- rating. The company has had 59 complaints in the past 3 years, the majority of which were concerns with products/services typical of other insurance company complaints, including claims processing.

Whether IMG has the exact policy that matches your needs and is affordable for you requires more research. We’ll be digging deeper into examples of its policies and pricing later in this article.

First, however, let’s talk about COVID-19 and how IMG may provide related coverage.

In the light of the pandemic, we’ve all become more aware of the need for travel insurance. Perhaps you’ve had to cancel a trip due to the fear of getting ill while traveling, or borders were shut down, making it impossible to travel to your destination.

Unfortunately, travel insurance does not cover these situations unless you have purchased Cancel for Any Reason insurance . This add-on to your travel insurance policy offers protection when you feel the need to cancel for any reason . The coverage can be expensive and only 50% to 75% of your trip expenditure will be covered.

Many travel insurance companies include coverage for COVID-19 for medical coverage, trip cancellation, trip interruption, and trip delay. Some companies exclude COVID-19.

IMG treats COVID-19 as any other illness on the company’s iTravelInsured travel protection plans. It also offers a Cancel for Any Reason insurance add-on, depending on the policy you select. IMG may exclude coverage from some of its medical plans if your destination is designated as having a Level 3 warning by the Department of State (DOS) or the Center for Disease Control (CDC).

Bottom Line: Travel insurance does not cover voluntary trip cancellations due to fear of getting ill or cancellations for borders that have been shut down due to COVID-19. You would need to purchase Cancel for Any Reason insurance to have coverage. IMG offers this add-on option with some of its plans. 

IMG offers 25 different insurance plans, ranging from basic travel medical insurance, comprehensive travel insurance, cruise and sports coverage, international medical insurance, and more.

The company is known for its international medical insurance offerings , including plans for visitors to the U.S. (including non-U.S. citizens, students, and exchange visitors). U.S. citizens traveling abroad will find several comprehensive travel insurance plans that include medical coverage or plans that have strong medical coverage with ancillary travel insurance.

The company also offers insurance that complies with Schengen visa requirements, specialized plans for government service workers, for marine captains/crew, and for those doing mission work.

Let’s look at a comparison snapshot of a few of the most popular plans offered by IMG and some of the coverage combinations you can expect to find.

This is just an overview of the core coverage offered by 3 of IMG’s travel insurance plans. Descriptions are abbreviated and are meant for comparison only.

Bottom Line: IMG offers a large variety of plans that allow you to select the type and level of coverage you prefer. In addition to comprehensive travel insurance plans, the company offers travel medical plans for visitors to the U.S. and plans for U.S. citizens when traveling both internationally and in the U.S.

Obtaining a quote from IMG for your trip is simple. You’ll need to provide your age, where you reside, and your primary trip destination. You’ll also need to provide the dates of your trip and the total cost of your trip.

Once you hit submit, you’ll receive an instant quote for several different plan options. You can compare coverages, pricing, and then select the plan that fits what you’re looking for.

You can then purchase the plan and coverage will start on the date you selected.

You will have 10 days to review the plan. If you’re not satisfied, you will receive a full refund.

Bottom Line: You can receive an instant quote on the IMG website by providing minimal information. You can also immediately purchase the policy and be covered for the date you selected. 

Chances are we wouldn’t purchase a new vehicle without shopping around to find the best value. Fortunately, comparing travel insurance policies to find the best value requires a lot less effort.

Travel insurance comparison websites simplify the process making it easy to compare dozens of companies and hundreds of policies, all in a few minutes.

You’ll need to input your trip and traveler information including where you reside, the cost and dates of the trip, whether you want an annual multi-trip policy, and the date you wish coverage to begin.

Also, all of these comparison sites offer click-through links to COVID-19 coverage information for each featured company.

Here are some of the best travel insurance comparison websites to get you started:

• Squaremouth — Squaremouth compares a wide variety of policies, including annual plans that cover every trip you take within a 1-year period, medical travel insurance, single-trip coverage, and plans that cover sports/special activities.
• Insure My Trip — Insure My Trip is a good source for comparing comprehensive single- or multi-trip plans that include medical coverage.
• TravelInsurance.com — While the site does not compare medical-only plans, it offers comparisons of comprehensive travel insurance plans.
• AARDY.com — We like AARDY as it does a great job of comparing dozens of highly rated travel insurance companies. We don’t like having to provide our email in order to obtain a quote, however.

Bottom Line: Travel insurance comparison websites help you compare the best companies and policy options in a minimal amount of time. You can also purchase the policy after your search and receive immediate coverage. 

How IMG Compares

Let’s look now at how IMG compares to the complimentary travel insurance coverage on your credit cards, to other travel insurance companies, and to the point-of-sale travel insurance offerings you might find when purchasing flights or travel packages.

Here’s how IMG compares:

If your trip is simply a flight and a short hotel stay, the travel insurance that comes with your credit card could provide you with all the coverage you need.

Once your trip becomes more complex, or more expensive, the need for travel insurance becomes greater. In either of these situations, or if you need medical coverage for your trip, the coverage that comes on your credit card will not be sufficient.

One important element is that most of the coverage provided on your credit card is secondary , meaning you must file a claim with other insurance first. You could potentially have to deal with the travel provider, the credit card company, any other insurance that may cover the loss, and the claims administrator.

Having a comprehensive travel insurance policy, like those sold by IMG, could simplify the process, especially for a complex trip involving several providers.

To learn more about the best credit cards for travel insurance , we invite you to check out our informative article.

Bottom Line: The travel insurance that comes complimentary on your credit card may be sufficient enough to cover a simple trip, perhaps just consisting of a flight and hotel. Expensive, more complex trips, or those requiring medical coverage, will be better served by purchasing a comprehensive travel insurance policy. 

Using a travel comparison website like the ones mentioned previously allows you to compare companies and policies quickly .

While plans and prices will vary widely depending on your trip and personal criteria, we created a quote based on a single-trip, 1 week in length, involving a traveler 40 years of age, with a total trip cost of $2,000.

The above quote does include CFAR insurance. But even without it, IMG came out higher than most competitors. Policy coverage was identical in most cases but IMG did offer $1,000,000 evacuation coverage, $10,000 in search-and-rescue coverage, and coverage for rented sporting equipment.

When we look at travel medical coverage plans, IMG becomes more competitive (using our limited example). You will find some travel insurance coverages are also provided, making this option a consideration if you’re looking for a medical-specific plan.

Your criteria could change the comparisons entirely. That’s why a travel insurance comparison website is an essential tool when seeking out the best value in travel insurance.

Bottom Line: While our limited comparisons showed IMG plans as being higher than the competitors, this may not be the case for your specific trip and policy preferences. Plans that focused on medical coverage tended to be more competitive. Always compare options to find the best value for you. 

The coverage options provided at checkout when you purchase a flight, vacation package, or other travel, can be limited. Additionally, the coverage is focused on cancellation and interruption coverage and only for the specific reasons listed.

To illustrate how IMG would stack up against point-of-sale coverage, we looked at the coverage and cost of insuring the same flight as the point-of-sale coverage above. For just a few dollars more, with IMG you would have emergency medical and evacuation coverage, and trip delay coverage. The point-of-sale plan covers just trip cancellation/interruption for up to 100% of the trip cost.

Bottom Line: In our limited example, even a budget policy purchased from IMG offers more coverage than a point-of-sale policy of a similar price. Always compare prior to purchasing, as rates will vary based on trip criteria. 

If you need medical treatment during your travels, in many cases IMG can work directly with the medical provider. But if you also need to file a medical claim, the best way to get started is to complete the online claim form .

As the filing of a claim for a baggage delay can be quite different than filing a medical claim, and the documentation required will certainly differ, you’ll want to begin by using a claim form designed for your specific type of loss.

You can select the associated form on the company’s claim center website . Each individual claim form lists the unique required documentation you will need to submit for that type of claim.

You can also contact the company by calling 866-243-7524, 317- 655-4500, or 317-655-9796. On each claim form, there is also an address, phone number, fax number, and email that may differ depending on the type of claim.

Be aware that there are deadlines for reporting claims and submitting all of the required documentation and these timeframes can differ depending on the type of claim.

Bottom Line: The best way to submit a claim is by completing the online claim form specific to the type of claim, which is available on the company’s claim center website. On the claim form you will find the associated phone number, address, email address, and fax number to help facilitate your claim should you need this additional information. 

Be aware that some of the plans IMG offers may provide secondary coverage versus primary coverage. This means that you must first file a claim with any other insurance that may apply.

You can feel comfortable purchasing a policy from IMG as you’ll have 10 days from the date of purchase to review the plan and get a full refund if you’re not satisfied.

We were able to obtain a quote for travelers up to and including age 99. Coverage levels and pricing vary by age.

While we have focused on individual travel and medical insurance in this article, IMG does have an Enterprise division that provides services to corporations and other organizations.

IMG is a good choice as a travel insurance company due to its financial stability and the fact it has been in business so long. However, you’ll need to compare plans and pricing with competitors to make sure the company provides the best value for you personally when purchasing a comprehensive travel insurance plan.

If you’re looking at insuring a single trip of short duration, the company can provide solid value over point-of-sale policies by delivering more coverage for similar economic outlay.

Additionally, the company’s travel medical insurance plans with primary coverage could provide you with solid medical coverage during your travels for minimal cost.

For more information on the basics of purchasing travel insurance , the best travel insurance companies , and how travel insurance works with COVID-19, visit our additional articles on these topics.

Frequently Asked Questions

Is img a good travel insurance company.

Yes. IMG is an established company backed by highly rated companies. The company is accredited by the Better Business Bureau with an A- rating.

Does IMG sell Cancel for Any Reason Insurance?

Yes. Cancel for Any Reason insurance is available as an add-on to some of the plans offered by IMG. However, just like other travel insurance providers, there’s a limited window of time to purchase the coverage. There are also limits on the percentage of trip costs that are covered.

What is IMG visitors insurance?

IMG offers several levels of medical plans for visitors to the U.S. These plans can cover students and visitors traveling on J-1 and J-2 visas, including non-U.S. citizens.

How can I contact IMG?

You can reach IMG by calling 866-243-7524, 317- 655-4500, or 317-655-9796. If you are out of the U.S., you can call collect.

You can also reach the company via email at [email protected] or by mail at International Medical Group, Inc., P.O. Box 88500, Indianapolis, IN, 46208.

Does IMG cover COVID-19?

IMG treats COVID-19 the same way it treats any other illness on many coverages including medical, trip interruption, trip cancellation, and trip delay.

You may also have the option to purchase Cancel for Any Reason insurance on some of its plans.

Be sure to check the specific policy prior to purchasing for related COVID-19 coverage.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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International Medical Group (IMG) Travel Insurance Review (2024)

Learn what IMG travel insurance has to offer and if it’s the right trip and medical insurance for your next getaway.

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you’re looking for comprehensive medical insurance for your upcoming trip, International Medical Group (IMG) is worth considering. Founded in the late 1980s, IMG is a worldwide travel insurance provider offering up to $8 million in emergency care and medical evacuation coverage — more than 10x that of many competing insurance providers. Special policies are also available for students and seniors, with premiums below $100 per person on many basic plans.

With lower premiums and higher-than-average coverage limits, IMG can be an appealing choice to insure your next international excursion. However, we believe there are other better options for travel insurance coverage.

Our Take on International Medical Group (IMG)

In our comprehensive review of travel insurance providers , we awarded IMG a total score of 4.4 out of 5 stars, with its standout offering being a diverse range of plan options. From students traveling with a visa requiring medical insurance to sports professionals who need equipment insurance, IMG offers a selection of more than 10 plans for most international travelers. Comparatively, many travel insurance providers only offer up to three plan options.

IMG’s policies also have coverage limits that go above and beyond most other travel insurance providers. For example, medical limits go up to $8 million with IMG, while most other companies offer options up to $1 million or less. This can make IMG an appealing choice for travelers concerned about potential medical emergencies. IMG also offers a wide range of added coverages not seen with most other providers — like benefits toward missed flights and pet kennel bills — though inclusions vary by plan.

However, be sure to read IMG customer reviews before you buy. Negative customer reviews on the company’s Better Business Bureau (BBB) and Trustpilot profiles consistently mention a failure to pay out claims and negative experiences with customer service professionals. IMG also does not include baggage delay benefits in its most economic plans.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

IMG Pros and Cons

Compare img to other travel insurance companies.

IMG is not the only travel insurance provider available — and the best provider for your needs will vary depending on the details of your trip. Browse the table below to learn more about additional coverage options from other providers.

The destination you are traveling to can also play a role in the best travel insurance provider for your needs. For example, if you are traveling to a rural area with limited access to a hospital, you might want to prioritize a policy with comprehensive medical evacuation benefits.

Explore travel insurance providers based on destination using the dropdown below.

What Does IMG Travel Insurance Cover?

One of the most unique features of IMG travel insurance is the variety of policy options it offers. In most parts of the U.S., you can access 15 unique travel insurance plans, which vary based on the level of coverage and types of benefits included. Medical coverage limits are available with benefits up to $8 million, and you can also find millions worth of evacuation coverage. If you are an older traveler or traveling to a more remote area where you could need medical care, IMG’s higher-tier plans could be worth the cost.

IMG also offers specific plan options for students traveling on visas that require a certain level of medical insurance, visitors to the Schengen area and even sports travelers looking for equipment protections. If you are a student or need unique coverage inclusions, IMG’s range of policy choices might offer a more customized fit than other providers.

Let’s take a look at a few of IMG’s most popular travel insurance policy options and what each covers.

iTravelInsured Travel SE

The iTravelInsured Travel SE policy is IMG’s primary option for travel medical and cancellation coverage. This plan includes the following major benefits:

• 100% trip cancellation coverage
• 150% trip interruption coverage
• $125 per person per day trip delay benefits (up to $2,000)
• $150 to cover airline change fees
• $250,000 worth of primary medical expense coverage ($1,000 limitation on dental care)
• $500,000 worth of medical evacuation coverage

The policy also includes extra benefits, like a supplement for pet kennel expenses and missed connection costs. Overall, the iTravelInsured Travel SE policy is an affordable option that provides competitive benefits compared to other major travel insurance providers.

Patriot International Platinum

The Patriot International Platinum plan is a medical-oriented travel insurance policy offering customizable medical insurance with up to $8 million worth of coverage. This maximum benefit is significantly higher than other providers, making the Patriot International plan a strong choice for anyone concerned about international health insurance bills. This plan also offers benefits for:

• Emergency medical evacuation up to your total medical coverage limit
• $25,000 toward natural disaster evacuation services
• $100,000 toward politically-oriented evacuations
• $50,000 worth of accidental death and dismemberment (AD&D) coverage

With lower premiums and customizable medical maximums, this policy can also be a strong choice for students who need to maintain medical coverage as a term of a study abroad visa.

IMG’s comparison platform makes it easy to determine which plans best fit your coverage needs and budget.

iTravelInsured Travel LX

Travelers looking for both comprehensive travel and medical coverage can explore the all-inclusive iTravelInsured Travel LX plan. This plan includes:

• $250 per person per day trip delay benefits (up to $2,000)
• $300 to cover airline change fees
• $500,000 worth of primary medical expense coverage ($1,000 limitation on dental care)
• $1 million worth of medical evacuation coverage
• Up to $10,000 toward search and rescue expenses
• $2,000 in sports equipment rental coverage

Like the SE plan detailed above, the iTravelInsured Travel LX policy includes extended additional benefits for pets and other considerations you might have abroad. This policy can be most beneficial for covering a high-value trip or adventure travel to a rural destination thanks to the extra evacuation and emergency search benefits.

The table below summarizes IMG’s most popular plans compared to some other policy options.

IMG Add-On Options

Add-ons, or riders, are benefits you can include in your policy, often for an extra fee. Below are optional add-ons and features available in higher-value IMG plans:

• Accident death and dismemberment
• Cancel for any reason coverage
• Change fee coverage
• Interruption for any reason coverage
• Natural disaster evacuation coverage
• Political and personal security evacuation coverage
• Rental car damage and theft coverage
• Pet kennel coverage
• Search and rescue coverage
• Sports equipment rental coverage

What’s Not Covered by IMG Travel Insurance?

While IMG offers higher medical benefits than some other insurers, its policies do not cover every situation. The following are some exclusions laid out in IMG’s most popular travel insurance plans and where you might want to shop for coverage if these inclusions are important to you.

• Pre-existing conditions: If you’re older or have a pre-existing medical condition that could affect your trip, you might want to look for a travel insurance provider that offers a longer window to add this coverage. With IMG, you must purchase travel insurance coverage 14 days after your initial trip deposit to have medical coverage extended to pre-existing conditions.
• Business equipment: While IMG offers specialized policies with inclusive athletic equipment coverage, it does not have policies with business equipment coverage . If you are traveling for work, consider a provider like Berkshire Hathaway, which offers this coverage as an optional add-on.
• Electronics and jewelry: Like most travel insurance providers, IMG’s policies include exclusions for the full value of expensive items like jewelry, cell phones and laptops. If you must bring these items, consider a provider like HTH Worldwide that offers added rider choices for high-value items.

Cost of IMG Travel Insurance

According to our review, the average IMG traveler can expect to pay about $217 for premium coverage. While this number is comparable to other travel insurance providers, IMG also offers medical policy options for as low as $30 per traveler. If you are shopping on a budget, we recommend browsing IMG’s large list of plan options, as customizable coverage choices can help you adjust pricing.

The type of trip you are planning also plays a role in pricing. Browse the table below to learn more about how trip details can influence the price you pay for travel insurance.

IMG International Travel Insurance Cost

The price of international travel insurance varies depending on the benefits offered. To help you get a better idea of what you might pay for IMG’s top travel insurance policies, we requested quotes for a 30-year-old couple planning a $7,000, week-long trip to the United Kingdom. The table below summarizes the quotes we gathered.

*Quotes in the table above were collected directly from the provider’s website, and are accurate as of November 2023. Pricing for Patriot plans reflects a $2 million medical coverage limit.

IMG Domestic Travel Insurance Cost

IMG’s most popular travel insurance policy options also offer coverage for U.S. travelers taking domestic vacations across the country. To help you get an idea of the cost of IMG’s domestic coverage, we requested quotes for a 35-year-old American traveler taking a domestic vacation valued at $2,000. The table below reflects the quotes we received.

*Quotes in the table above were collected directly from the provider’s website, and are accurate as of November 2023. 

Note that Patriot plans are not currently available for U.S. residents traveling in the U.S.

Read More: Travel Insurance For Parents Visiting The USA

IMG's iTravelInsured Customer Reviews

IMG gets many positive reviews on review sites that say the company provides transparent policies that clearly list what’s covered. However, there are some negative reviews about glitches with the IMG website and general frustration with website performance. Others have complaints about canceling trips and not receiving expected coverage.

Overall, IMG Global gets 4.6 out of 5 stars from nearly 7,000 reviews on Trustpilot. Here are four examples:

“This website makes it very easy to find what type of insurance I need. I have been using IMG for five years for all my international trips.” — Tao “The process is clear and simple, and the product is well-priced for an extensive range of coverage. I use it for both business and personal travel.” — Meagan “The website application process is frustrating. I had to continue to clear my cache five times to get it to work… One more time of not working, and I was going with someone else. Fortunately, it worked on the sixth attempt…” — Warren “We never traveled to Turks and Caicos but they charged us the full amount even if we canceled more than one month before the trip!” — Luca Montebugnoli

We reached out to a representative by email for comment on the reviews above and received the following statement:

“At IMG, our mission is to be an exceptionally innovative partner that provides creative and practical solutions, and our staff strives to ‘Be There’ to protect and enhance the well-being of our customers every day.

We appreciate the time our customers take to share the experiences they’ve had with our company to further connect others to the travel and health safety solutions we provide for those traveling, living or working away from home.

We understand how important it is to provide high-quality service to our customers, which is evidenced by our overwhelmingly positive Trustpilot reviews, and we are committed to providing every customer with the best possible experience.”

How To File a Claim with IMG Travel Insurance

The fastest and easiest way to file a claim with IMG travel insurance is through your customer portal. Here is a quick breakdown of how to use it:

• To file a claim, click the “My Claims” button in your customer portal. Here, you will be guided through next steps to provide documentation based on your claim type.
• Gather supporting documents to upload to your portal. The type of documents you need will vary depending on the type of claim you’re filing. For example, if you need reimbursement for travel expenses, you can provide a trip invoice, itinerary or confirmation showing details of your trip.
• After submitting your claim, a representative will review your documentation and compare it with coverage on your policy. The representative should get back in touch with you to arrange a reimbursement.

IMG also allows you to file a claim through the mail or using a fax machine. Explore policy documents and claims forms you might need using IMG’s claims center .

Is IMG a Good Choice for Travel Insurance?

Overall, IMG is a strong travel insurance provider for both international and domestic coverage. Its higher medical limits can be appealing to those worried about medical coverage or older travelers using Medicare, which does not offer primary health insurance benefits abroad. IMG’s policies can also be worthwhile options for students, athletes and anyone else with unique visa-based coverage needs.

However, customer reviews suggest some issues with customer service and claims handling. While not representative of every experience, this might be an issue for customers who value concierge-level coverage or those worried about traveling abroad for the first time. No matter your coverage needs, we recommend getting a quote from at least three competing providers to find the best plan at the right price for your trip.

Frequently Asked Questions About IMG Travel Insurance

Is img good travel medical insurance.

Certain IMG travel medical insurance plans may meet healthcare insurance requirements for the J1 and J2 visas, which can make IMG a solid option to consider for international students participating in U.S. exchange programs. For other travelers, IMG has travel medical plans that include up to $8 million in coverage with deductibles from $0 to $25,000. Some plans are renewable, which could make it a good choice for group trips and extended stays abroad.

Does IMG Global cover COVID?

IMG policies cover COVID-19 like other illnesses. If you have to cancel a trip or your trip gets interrupted because you fall ill from the virus, nonrefundable costs such as airfare and prepaid hotel stays may be reimbursed.

Is IMG Global good for international travel?

The variety of international travel plans and travel support make IMG an option worth considering for international travel. Customer assistance is available 24/7 and has services such as medical referrals, lost luggage assistance, emergency cash transfers, legal referrals and emergency translations while you’re away.

What company underwrites IMG travel insurance?

IMG’s travel insurance policies are insured by SiriusPoint and Crum & Forster . Both of these companies maintain A.M. Best ratings of at least an A- , indicating IMG is very likely to be able to continue paying its policy payouts for the foreseeable future.

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Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

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Get a quote today., img travel insurance: plans, costs, reputation, and services.

IMG specializes in providing travel medical insurance to individuals, families, and groups who are traveling, studying abroad, or even living abroad.

Its customer service is multilingual and available 24/7.

It has an A+ rating from the Better Business Bureau (BBB) and offers the ability to insure as an individual, family, group, or all three, helping you to minimize coverage gaps.

IMG Travel Insurance Coverage & Plans

Though IMG has three coverage selections for trip insurance, it really shines when it comes to travel medical insurance.

IMG offers medical coverage for vacations or other trips as well as international health insurance.

The company is a great option to consider for groups, students, or others who will be working or studying abroad for extended periods of time.

Available Plans:

• Comprehensive
• Trip Cancellation/Interruption
• Accidental Death

Travel Insurance Plans

IMG’s iTravelInsured product line has three different policy options covering a number of potential financial losses including trip cancellation, baggage delay, and emergency medical evacuation.

These plans cover you throughout your entire trip, and some even provide Cancel For Any Reason (CFAR) benefits.

iTravelInsured Travel Lite Insurance

• As IMG’s lowest-priced travel insurance program, the iTravelInsured Travel Lite insurance plan is designed for people who want to protect themselves against trip cancellations or trip interruptions.
• It also provides coverage for travel and baggage delay, as well as access to IMG’s non-insurance emergency travel assistance.

iTravelInsured Travel SE Insurance

• The Travel SE plan is IMG’s most popular travel insurance plan for both domestic and international destinations.
• This plan includes coverage for extra expenses your family could incur due to travel delays such as movie rentals, internet usage fees, and additional kennel fees for pets.

iTravelInsured Travel LX Insurance

• For travelers willing to pay a little extra for peace of mind, IMG’s Travel LX plan provides the highest level of benefits, including Cancel for Any Reason and Interruption for Any Reason coverage.
• This plan is a good choice for those considering adventurous activities or those planning a trip to remote or exotic locations.

Medical Insurance Plans

IMG offers a variety of medical insurance plans that cover visits to doctors, hospitals, or other licensed providers , including dentists.

In the event of a severe health issue, you may need emergency medical coverage to insure things such as evacuation and repatriation.

Medical coverage is even available for those with preexisting conditions, and there is no age limit for coverage.

Patriot Travel Medical Insurance

• IMG’s most popular plan, it provides coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

Patriot America Plus

• This plan is for non-U.S. residents who need temporary medical coverage when traveling to the United States for a minimum of five days.
• There are a wide variety of plan limits and deductible options.

Patriot Exchange Program

• As its name indicates, this plan is specifically designed for students or groups studying abroad.
• IMG states that most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements.

Visitors Care

• This plan for non-U.S. citizens offers a selection of scheduled benefits for those traveling or temporarily living outside their home country for at least five days.
• It can be renewed for up to 24 months.

Patriot Platinum Travel Medical Insurance

• This IMG medical travel insurance plan provides maximum coverage for short-term trips and vacations.
• It allows you to choose from an extensive range of deductibles and maximum limits and includes exclusive access to IMG’s Global Concierge and Assistance Services.

Global Mission Medical Insurance

• Global Mission medical insurance from IMG is a long-term plan that can be renewed each year and provides worldwide medical insurance coverage specifically for missionaries.

Student Health Advantage

• This plan is for individual or groups of five or more students participating in sponsored, study abroad programs who need a comprehensive plan that can be renewed yearly.
• IMG claims that this plan meets student visa requirements and includes benefits for maternity, mental health, organized sports, and international emergency care.

Outreach Travel Mission Advantage

• This plan is specifically designed for U.S. citizens and non-U.S. nationals who need short-term medical insurance while traveling for international outreach anywhere outside of their home country.

GlobeHopper Senior Travel Medical Insurance

• This plan is for U.S. citizens and U.S. permanent residents over the age of 65 and who need temporary medical insurance for trips outside the United States.
• It has both single-trip and multi-trip coverage options.

Student Health Advantage Platinum

• This plan is for individuals and groups of five or more students or scholars that participate in sponsored study abroad programs and who need an annually-renewable plan.
• It meets student visa requirements and includes maternity, mental health, organized sports, and international emergency care benefits.

Patriot Multi-Trip

• For those who take multiple trips abroad each year, the Patriot Multi-Trip plan could be a cost-effective option.
• Coverage choices are available for both U.S. citizens and non-citizens.

IMG Travel Insurance Costs

Though it can be challenging when you are tallying up expenses for your upcoming vacation, it’s wise to plan for the cost of travel insurance.

When programming your trip, you should budget between four to eight percent of the total cost of the trip for travel insurance.

The price is generally based on three factors: the length of the trip, the destination, and the age of the policyholder.

In general, longer trips cost more than shorter ones, international destinations are more expensive to cover than domestic ones, and older policyholders will usually pay more than younger ones.

IMG also offers annual or renewable plans for frequent travelers and, for most plans, dependents under the age of 18 are covered along with their parents.

Check out the IMG website for a quote based on your specific details.

If for some reason you don’t wind up needing IMG’s travel insurance, you may submit a cancellation request and receive a full refund within ten days of the effective date of your coverage.

IMG Travel Insurance Reviews & Reputation

When it comes to IMG travel insurance’s reputation, reviews are somewhat mixed.

While IMG has earned an A+ rating from the Better Business Bureau (BBB), customer reviews on the BBB website average less than two out of five stars.

However, IMG has been accredited by the BBB since 2005, and only has 15 customer complaints lodged against it within the past three years. Most of the complaints are categorized as billing issues.

Trustpilot gives IMG three out of five stars, which is an average score.

As is typical for insurance companies, many of the negative reviews come from customers who had billing or coverage disputes.

Customer Assistance Services

IMG prides itself on its 24/7 customer service and multilingual staff.

The IMG website lets you browse through policy options so you can choose what plan works best for you, your family, or your group.

The website also lets you build an instant quote, compare policies, and buy your choice of packages online.

IMG’s online support service, MyIMGSM, provides online access to local providers, explanation of benefits, claims status, ID cards, and certificate documents.

There is a paperless submission option for claims, though faxing or mailing is also permitted.

IMG also offers a convenient mobile app.

IMG Travel Insurance Financial Stability

When you decide to purchase insurance, you want to know the company is reliable.

To that end, IMG has the financial stability of an established international insurance company, providing peace of mind for the consumer.

IMG is underwritten by Sirius International Insurance Corporation, a wholly-owned subsidiary of CM International Holding Pte. Ltd, which is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.

These high ratings should make potential purchasers very comfortable.

IMG Travel Insurance Phone Number and Contact Information

Homepage URL : https://www.imglobal.com

Company Phone : 1-800-428-4664

Headquarters Address : 2960 North Meridian Street, Indianapolis, IN 46208-4715

Year Founded : 1989

Best Alternatives to IMG Travel Insurance

Not satisfied with what IMG has to offer? These companies provide great travel insurance alternatives:

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below:

• Allianz Travel Insurance Review
• Aon Travel Insurance Review
• Carnival Travel Insurance Review
• Chubb Travel Insurance Review
• CSA Travel Insurance Review
• Expedia Travel Insurance Review
• Hotwire Travel Insurance Review
• IMG Travel Insurance Review
• InsureMyTrip Travel Insurance Review
• JetBlue Travel Insurance Review
• John Hancock Travel Insurance Review
• Medjet Medical Transport Insurance Review
• Orbitz Travel Insurance Review
• Patriot Travel Insurance Review
• Priceline Travel Insurance Review
• Progressive Travel Insurance Review
• Red Sky Travel Insurance Review
• Ripcord Travel Insurance Review
• Travel Insured International
• Travelex Travel Insurance Review
• USAA Travel Insurance Review
• USI Affinity Travel Insurance Review 
• World Nomads Travel Insurance Review

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International Medical Group

IMG Global: Insurance Plans for Expats and Travelers

IMG Insurance has a broad array of offerings and a robust network of providers to support them. They have a large PPO (preferred provider organization) in the US as well as their IPA (international provider access) network of over 17,000 providers and facilities around the world. IMG services members in over 190 countries and has built a staff that can help you in an emergency 24 hours a day, 7 days a week, 365 days a year.

Through their subsidiaries IMG Europe, Akeso Care Management, IMG-Stop Loss, and iTravelInsured, they provide around-the-clock medical management services, trip cancellation programs, stop-loss insurance to reduce employer risk, and an internationally based service center. They've set the benchmark for industry service levels by integrating independent credentialing services with in-house, wholly owned and operated service divisions.

Since 1990, International Medical Group Insurance (IMG) has risen to become one of the world's leading providers of global travel and medical insurance. Whether you are an individual traveler, an expatriate, a missionary, a student or scholar, a business or a maritime worker, IMG has a plan that will work for you. They can service your every travel need, whether you're looking for simple trip cancellation insurance or a medical plan that will follow you on a year-long trip around the globe.

Why Choose IMG?

Extensive provider network.

IMG has a large network of international providers as well as its robust PPO network within the United States.

24/7/365 Service

Staff are available every minute of the day, whenever you have an emergency. And if you want to file a claim, search for providers or manage your account, their web portal is always available.

A Plan for Every Need

Whether you're going abroad for a week or a year, for work or for pleasure, IMG has plans that are tailor-made for your needs.

Global Reach

With offices around the world and a staff that speaks 18 languages, IMG can help you wherever you are.

IMG Global Products

IMG Global has created international travel insurance plans, global medical insurance plans and expat insurance as well as insurance for students and scholars , insurance for missionary groups and volunteer groups as well as people from many other walks of life. Here is an overview of IMG Insurance's most popular plans. Click on any plan to get more details.

IMG Global Medical Plan

IMG Global Medical Insurance provides anyone living and working outside of their home company with a reliable, full-featured medical plan that will cover them wherever they are in the world.

• Four plan options and additional optional coverages
• Choice of the coverage area to reflect your geographical area of need
• Freedom to choose your health care provider wherever you are in the world

IMG Patriot Platinum Travel Insurance

The IMG Patriot Plan provides first-class travel medical insurance for international trips with customized deductibles and maximum limits. Enjoy extra benefits like IMG's Global Concierge and Assistance Services and access to over 17,000 providers through their International Provider Access.

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

IMG Student Health Advantage Plan

If you are a student or scholar traveling abroad and looking for IMG international student insurance , then the Student Health Advantage plan is for you. This plan meets all US student, scholar, and cultural exchange visa requirements.

• Standard and Platinum level benefits available.
• Coverage for individuals and groups and their dependents.
• Freedom to seek treatment with hospital or doctor of your choice.

IMG Short-Term Student Health Insurance

IMG Patriot Exchange Program insurance is a streamlined and budget-friendly plan that provides medical coverage for students, families, and groups of two or more people while studying abroad. It also covers cultural exchange program participants. It is available for a minimum of 30 days and can be renewed up to a length of 48 continuous months. Most coverage options satisfy J1 and J2 visa requirements. The Patriot Exchange health insurance program provides effective coverage 24 hours a day while you are away from home.

IMG Multi-Trip Insurance

Patriot Multi-Trip  is designed for individuals and families who travel frequently outside their home country throughout the year. The plan offers the ease and convenience of purchasing an affordable single annual premium plan that provides coverage for trips up to 30 or 45 days in length for each trip taken during a period of 12 months. The plan provides up to $1,000,000 of medical coverage and services.

IMG Insurance for US Seniors

GlobeHopper Senior addresses the insurance needs of seniors who are U.S. citizens and U.S. permanent residents and need temporary medical insurance while traveling outside the USA. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $1,000,000.

See our comparison of Senior Travel Insurance Plans .

Group Options from IMG

IMG offers several group plans for employers, including several different travel and global medical insurance plans.

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

Review your options - Group International Benefits

IMG Insurance for Europe

• Global Prima Medical Insurance from IMG is a comprehensive, annually renewable global medical plan for individuals and families living and working abroad. Designed specifically for the European market, it includes an option to purchase coverage in Europe only, so subscribers do not have to pay for coverage in areas of the world that they will not be going to. Request a free online quote now!
• GlobeHopper Platinum is a flexible travel medical plan designed for travel to and from European countries. Subscribers may purchase this plan for any length of time from 30 days to 36 months – and, so long as they are covered, they may extend until they reach the 36 month limit. The GlobeHopper Platinum plan is extremely flexible, offering three different coverage maximums and five coverage add-on options. Subscribers may pay in USD, GBP or Euro. Request a quote online here .

IMG is listed as a Top 10 Travel Insurance Company and one of the Best Health Insurance Companies .

International Medical Group Insurance Provider Network

IMG's extensive global network of doctors, facilities and care providers can provide you with exceptional medical treatment wherever you are in the world. The company provides easy-to-use tools that help subscribers quickly find the right healthcare provider to fit their needs.

IMG Global International Doctors Network (Outside of the USA)

IMG provides a helpful online database of providers for anyone outside of the USA who needs care and has purchased an IMG Travel Insurance Plan , an  IMG Global Medical Plan , or any other IMG insurance product. The International Provider Access database allows subscribers to search for medical, dental, and other care providers by facility, country, city, physician, and specialty worldwide. Note: U.S. providers are not included in this database.

Search IMG’s International Provider Access

IMG’s PPO Network in the USA

If you have purchased coverage within the United States, your plan gives you access to a preferred provider organization (PPO) network.  While you can see any doctor, using a provider within the PPO network is likely to reduce your out-of-pocket expenses. Your insurance card should include a logo that shows whether your plan uses the First Health PPO network or the UnitedHealthcare PPO network. To access a list of providers in that network, click on the link related to your network below.

The PPO directory is updated regularly but changes may be made between updates. Contact the physician’s office to confirm his/her participation in your PPO network.

You can narrow your provider results by providing more criteria, such as location and specialty. If you cannot find a provider in your city or country, please contact IMG’s Customer Service Department via their contact form here .

First Health : Search PPO

UnitedHealthcare : Search PPO

International Medical Group Insurance Services

International Medical Group (IMG) is your plan administrator for assistance and customer care. They offer a number of online tools to allow subscribers to complete routine tasks as well as phone and email points of contact for customer service.

My IMG Client Zone

Through My IMG  you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Some features include:

• Get explanation of benefits Initiate pre-certification
• Obtain certificate documents
• Locate a provider
• Recommend a provider/facility
• Request or print ID cards

Go to  MyIMG Client Zone

IMG Claims Processing

Log onto  My IMG SM to submit claims using their online claims form.

If you have an IMG Global plan, you may also use the following address to send any information to IMG's Claims department.

International Medical Group Claims Department PO Box 88500 Indianapolis, IN 46208-0500

If you have an IMG Europe plan, you may use the following contact information to send information to the IMG Europe claims department.

International Medical Group Claims Department Kingsgate, High Street, Redhill, Surrey RH1 1SH, United Kingdom

IMG Customer Service Contact Information

Postal Mail:

IMG Global International Medical Group (IMG) 2960 North Meridian Street Indianapolis, IN 46208

IMG Europe International Medical Group (IMG) Kingsgate, High Street, Redhill, Surrey RH1 1SH, United Kingdom

IMG Global C [email protected]

IMG Europe [email protected]

IMG Global Within the USA: 800-628-4664 Outside the USA: 317-655-4500 (call collect and indicate that you have a medical emergency)

IMG provides on-site, multi-lingual claims administrators and customer service representatives who process tens of thousands of claims each year. IMG also has international service and assistance centers around the world, so that when you call you can speak to someone in a nearby time zone.

+44 2920 474 236

International Medical Group FAQs

Is img insurance good.

IMG is a respected name in the international medical insurance industry, with products geared toward travelers, global citizens, and people living in a country not their own. They are one of our top-rated insurance companies and consistently place in the list of top international travel and best health insurance companies worldwide.

The company has been in operation since January 1990. with more than 30 years of serving the global community, IMG provides complete plan administration expertise. Its globally recognized underwriter, SiriusPoint, offers the financial security and reputation demanded by international consumers. Rated A- (Excellent) by A.M. Best and A- by Standard & Poor's*, SiriusPoint shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company.

Who is the underwriter for IMG insurance plans?

IMG's globally recognized partner, Sirius Specialty Insurance Corporation (SSIC), offers the financial security and reputation demanded by international consumers. As the underwriter, Sirius is Rated A (Excellent) by A.M. Best and A- by Standard and Poor's, offering the stability of a well-established insurance company.

What are adventure sports for IMG insurance?

IMG offers optional add-on insurance to their patriot travel insurance plan that covers the following adventure sports, so long as they are being participated in at an amateur level: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.

If you’re a thrill-seeking traveler who enjoys life’s more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

How do I extend IMG insurance?

Before the end of your term of coverage, IMG will email you at the address you provided them when you began your coverage. This email will include a link that will allow you to extend your coverage. You must extend your coverage before your current plan expires.

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