Editor Review of IMG
he Good: International Medical Group, Inc. (IMG) is strong on providing medical insurance to
individuals, families, and groups living or traveling abroad and provides a wide range of travel medical plans, including employer-sponsored medical plans for student groups, missionary groups, and marine crews. Their multilingual staff stands ready to assist U.S. and non U.S. citizens alike.
The Drawbacks: IMG offers only a few travel insurance package plans, focusing primarily on travel medical plans. AD&D maximums are low when compared to other companies. Their package plans are not as comprehensive when compared to other company plans.
The Bottom Line: IMG plans include online account access for a host of emergency services, including finding providers, accessing plan documents, and more. IMG is a world leader in medical insurance and offers a large range of international medical plans for individuals and groups, including employer-sponsored major medical coverage.
|US Travel Insurance Association Member||No|
|Refund Policy||10-day Free Look Period|
|Travel Insurance Plans||Package plans
Patriot T.R.I.P. Essential
Patriot T.R.I.P. Elite
Patriot T.R.I.P. Student
Travel Medical plans
Outreach Travel Medical + Group
Global Mission Medical
MP+ International (2+ travelers)
Patriot Travel + Group
Patriot Exchange + Group
Patriot Executive + Group
Student Health Advantage
Global Crew Medical
Medical Evacuation plans
|Company Contact Information||Attn: Claims Department
P.O. Box 88850
Indianapolis, IN 46208-0500
|Policyholder Questions||Inside US/Canada 1.317.655.4500 or 1.800.628.4664 (within the US)|
|Travel Assistance/Emergencies||Inside US/Canada: 1-317.655.4500|
About International Medical Group Travel Medical Insurance
International Medical Group, also known as IMG, has served over a million travelers since 1990. Their customer service is world-class and they offer a full-service approach to international travel medical insurance and trip insurance products.
All the necessary information about benefits, exclusions, premiums and quotes is available on the IMG website. The IMG website lets you build an instant quote, compare policies, and buy your choice of package online. You can even start your plan selection and save it to add further details later. A Spanish version of the website is also available.
IMG’s short- and long-term policies provide a variety of options from which you can choose the absolute best policy for you, your family, or your group (or all three!) As with all IMG plans, you get an experienced plan administrator to discuss and understand your coverage details.
Highlights of International Medical Group Insurance
- Many IMG plans are offered as individual and group plans, so you can cover one or more people with the same benefits.
- IMG travel medical plans cover U.S. and non U.S. citizens.
- A unique benefit in many IMG travel medical plans is coverage (up to plan limits) for dental care to restore natural teeth that are lost or damaged in an accident.
- IMG plans include access to a universal prescription discount program for reduced-cost prescription medicines.
- A unique set of medical insurance plans covers individuals and groups working at sea.
- Register for IMG’s online support service, MyIMGSM, for online access to local providers, explanation of benefits, status of claims, ID cards, certificate documents, and more.
International Medical Group Travel Insurance Plans
Good overall travel insurance protection ideal for many kinds of trips
Designed to provide good full-featured travel insurance with trip cancellation, interruption, delays, stolen baggage (including theft from your hotel) and emergency medical care. This plan offers good plan limits and strong list of covered reasons for trip cancellations and interruptions.
Patriot T.R.I.P Essential
Essential travel insurance protections without a lot of extras
Designed to provide the essentials of a travel insurance package plan with coverage for trip cancellation, interruption, delays, stolen baggage (including theft from your hotel) and emergency medical care. This plan offers adequate limits and good list of covered reasons for trip cancellations and interruptions.
Patriot T.R.I.P Elite
Secure your pre-paid travel investment with comprehensive travel protections
A premier offering from IMG, this package plan includes a good number of covered reasons for trip cancellations and interruptions. In addition, travel delays, enhanced baggage coverage, emergency medical treatment and evacuations are also covered. This is a package plan with comfortable limits for international and domestic vacations. Available to U.S. residents only.
Patriot T.R.I.P Student
Best travel protection for a student’s non refundable tickets, deposits, and a little more
A cost-conscious travel insurance plan that provides essential coverage for students who are residents of the U.S. regardless of their citizenship. Excellent for those traveling for international or domestic study programs. This plan offers basic travel insurance protections with minimal limits for the healthy student with no pre-existing conditions.
Travel Medical Plans
Long-term major medical in four levels for global travelers and their families
Choose from four benefits levels and deductible options to customize your medical plan to your budget, trip length, and area of coverage. No coinsurance outside the U.S. and Canada, this plan provides for emergency illnesses and injuries as well as well care, physical therapy, and prescription drugs. Optional maternity rider available, and maternity is covered with the Platinum level.
Designed for frequently traveling executives under the age of 76 – U.S. and non U.S. citizens
Frequently traveling executives covered by health insurance in their home country still need medical coverage when they travel outside their home country. This plan offers good medical coverage with a fixed deductible that is waived for covered accidents. Available for individuals and groups of five or more. This plan also includes a few trip protections to guard against unexpected travel-related financial losses.
High-limit travel medical coverage for up 12 months, available for individuals and groups
Comprehensive travel medical coverage for accidents, terrorism, sports injuries, and package-like benefits including trip interruption and baggage coverage. Plan includes flight accident and 24-hour AD&D plus small pet AD&D. Available to U.S. and non U.S. citizens traveling outside their home countries.
Short-term medical insurance for students, faculty and their dependents while studying abroad
Designed to meet the U.S. J1 visa travel requirements, and offered at two level, this plan provides good medical coverage that can be purchased in monthly increments. This plan is highly focused on medical coverage, but an optional add-on for baggage, legal assistance, personal liability and high school sports is available.
Addressing the temporary medical insurance needs of U.S. and non U.S. citizens and families
Available for individuals, families, and groups of five or more, this plan is designed to address the temporary medical insurance needs of those traveling outside their home country for work or pleasure. IT offers complete emergency medical coverage with a few travel-specific extras.
Designed for adventurous international travelers not typically covered by other plans
Most travel insurance plans exclude adventurous activities like hang gliding, para sailing, scuba diving, mountaineering, and more. This plan is designed to cover those travelers with short-term travel medical insurance, including hospital, medical, ambulance, emergency room services, and more. Available to U.S. and non U.S. citizens traveling outside their home country.
Short-term travel medical for environmentally conscious international travelers
This plan is designed for travelers who want eco-friendly benefits like carbon offsets and paperless invoicing with their travel medical coverage. Available to U.S. and non U.S. citizens, this plan ensures travelers can seek medical treatment from any hospital or doctor while supporting responsible, sustainable tourism.
Student Health Advantage
Long-term major medical for individuals or groups (2+) traveling for sponsored study programs
Designed to meet the needs of international student visa requirements, this is major medical coverage for students and their dependents traveling abroad. Annual coverage that is renewable up to five years, the plan provides maternity, mental health, organized sports, and international emergency medical and dental care.
Outreach Travel Medical
Travel medical for U.S. and non U.S. citizens traveling in service to their mission
This plan offers temporary travel medical coverage for U.S. citizens and non U.S. citizens traveling outside their home country in service to a mission. It provides medical benefits and international emergency medical care. Available for individuals and groups of five or more, this plan also includes a few extra coverages to guard against travel-related disasters.
Flexible, short- or long-term major medical insurance offered in four benefit levels
This plan offers broad medical coverage, including hospitalizations, surgeries, out-patient care, wellness care, and more for U.S. and non U.S. missionaries around the world. Family friendly because there is no cost for the first two young children (14 days to 9 years) for the first year of coverage. Choose your coverage area for the best premium.
Employer-sponsored, long-term emergency medical coverage for international missionaries
Worldwide medical coverage for emergency medical care with high maximums, this plan provides continuous coverage for two or more missionaries overseas or back in the U.S. Options for life, dental, and evacuation benefits and direct billing to overseas providers.
Employer-sponsored, long-term, major medical coverage for international employees
International medical coverage for employers with international employees. This plan provides U.S.-style comprehensive health care for global employees and their families. Includes mental health care, vision care, and optional dental care in three levels. Customizable plan lets you choose the plan maximums and deductibles.
Global Crew Medical
Individual long-term major medical coverage designed specifically for marine captains and crew
Offered in two levels: worldwide and worldwide excluding the U.S. and Canada, this comprehensive medical plan ensures that captains and crew members working at sea have access to medical care. Recreational SCUBA and amateur sailboat racing covered as well. Optional term life and AD&D round out the package.
International Marine Medical
Employer-sponsored, long-term, group medical coverage for marine captains and crew
Designed to provide comprehensive medical insurance to groups of three or more marine crew members and their dependents. This is comprehensive and worldwide medical coverage for those working at sea, including maternity and newborn care after 12 months of continuous coverage. Recreational SCUBA is treated the same as any other illness.
Medical Evacuation Plans
A rescue-focused plan for international travelers who have medical coverage
Eligible to travelers age 65 and younger, this plan is focused entirely on rescue. There is no medical or dental coverage included. It provides emergency medical evacuations, repatriation, emergency reunion, return of minor children and enhanced travel assistance services. Ideal for U.S. and non U.S. citizens living or working outsider their home country.