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IMG Patriot Platinum

Patriot Travel Medical Insurance

Patriot Platinum is the highest-rated plan by customers from  International Medical Group's   Patriot Travel Series. Patriot International and Patriot America Platinum plans include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.

Both plans are available for a minimum of 5 days and can be renewed for a maximum of three years if you purchase at least one month of coverage with no break in coverage. Renewals are available in whole month or daily increments and can be purchased online.

U.S. citizens are eligible for the Patriot International Platinum plan for travel outside the U.S. The plan also provides coverage for brief returns to the U.S.

Patriot America Platinum is available to individuals traveling outside their home country and the U.S. 

U.S. citizens residing outside the U.S. can also purchase the Patriot America Platinum plan for visits back to the U.S.

Continue reading to learn more about IMG Patriot Platinum travel medical plans.

Patriot Platinum is the highest-rated plan by customers from  International Medical Group's   Patriot Travel Series. Patriot International , for travel outside of the USA, and Patriot America , for travelers visiting the USA, include inpatient and outpatient services, emergency services, and other services, such as dental treatment, lost luggage, and pet return.

Continue reading to learn more about IMG Patriot Travel Medical Insurance, one of the best travel medical insurance plans available.

Patriot Travel Medical Insurance Highlights

Plan limits and deductibles.

Patriot America and Patriot International Platinum offer a maximum medical limit of up to $8 million. Both plans allow travelers to choose a deductible between $0 and $25,000.

Policyholders can access a national network of board-certified doctors and pediatricians in the U.S. 24/7/365 to help diagnose, treat, and prescribe medication via phone or online video consultations.

Coverage for Pre-Existing Conditions

For travelers under age 70, coverage for acute onset of pre-existing conditions is available. This coverage provides emergency care should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition.

COVID-19 Coverage

COVID-19 Coverage is included, and charges for treatment resulting from COVID-19 are covered the same as any other illness covered under a Platinum policy.

Ready to purchase an IMG Patriot Platinum plan?

Get your quote and purchase online in minutes!

Patriot Platinum Schedule of Benefits

Please review the plan limits for Patriot America Platinum and Patriot International Platinum in the table below. Patriot International Platinum is designed for U.S. citizens traveling outside the United States, while Patriot America Platinum is designed for travelers visiting countries outside their home country and the United States.

The following benefits and coverage levels are shared between Patriot America Platinum and Patriot International Platinum.

Plan Maximums

Download the IMG Patriot Platinum brochure to review the schedule of benefits and optional riders to include in your plan.

Expand your Patriot Platinum Coverage with Additional Riders

IMG's Patriot America and International Platinum Plans are easily customizable to meet your needs while you are away from home. You can add the optional Riders to your Platinum plan when you submit your application.

The Adventure Sports Rider provides additional coverage for injuries sustained during participation in extreme activities, such as parachuting or whitewater kayaking.

Lifetime Maximum

Age 0-49: $50,000

Age 50-50: $30,000

Age 60-64: $15,000

The Trip Protection Rider can protect you from financial losses due to unexpected events before or during your trip. This Rider can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

Please note this Rider option is available on individual plans for U.S. residents only.

The Mobile Device Protection Rider provides coverage for repair or replacement of your cell phone if it is lost, stolen, or damaged during your trip.

The Accidental Death and Dismemberment Rider is available to the primary insured only and will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

How Much Does a Patriot Platinum Travel Medical Plan Cost?

The Patriot Travel Medical Insurance plan ranges from as little as $1.45 per day to as much as $8 per day.

The premium is calculated using your age, medical maximum limit, and deductible. Including optional riders in your plan will also impact the premium amount. You can change your deductible amount and the maximum medical benefit to secure additional coverage or change the total premium charged.

The rates in the tables below were calculated using a $0 deductible. Higher deductibles will lower your rates.

Patriot Platinum Rates per Day

If you are a U.S. citizens traveling outside the United States, review the Patriot International Platinum cost per day rates. If you are a non-U.S. citizen or a U.S. citizen residing outside the U.S., review the Patriot America Platinum cost per day rates.

Patriot America Platinum

Patriot International Platinum

Rates were last updated on May 7, 2024

Related literature: Expat Insurance for Americans Abroad

Eligibility Requirements for IMG's Patriot Platinum Plan

Patriot International Platinum travel insurance is available to U.S. citizens and permanent residents traveling outside of the United States (with coverage included for brief returns to the U.S.) and for non-U.S. citizens traveling outside of their home country.

Patriot America Platinum travel insurance is available to non-U.S. citizens who will be traveling to the United States. U.S. citizens who permanently reside outside the U.S. are also eligible to purchase Patriot America Platinum for trips to the U.S.

Travelers 65 years of age and older visiting the U.S. must begin coverage within 30 days of arrival in the U.S. This requirement is waived with proof of previous valid international travel insurance.

Related literature: Seniors Travel Insurance

FAQs About the Patriot Travel Medical Insurance Plan

Can i extend my patriot travel medical insurance coverage.

You can extend your Patriot Platinum coverage for up to 36 continuous months. You must initially purchase coverage for at least one month to renew your plan. You can then extend your plan for up to one full year.

After one year of coverage, you can renew your Patriot Travel Medical Insurance plan for an additional period, up to 12 more months of coverage. This can be done multiple times for up to a total of 36 months of coverage.

Does the IMG Patriot Travel Medical Insurance plan meet Visa requirements?

Once you have applied and purchased coverage, you will be provided with a visa letter to use when applying for a visa in any country worldwide. You must determine each country's specific requirements for the coverage level required and then purchase a plan that meets those requirements.

All Patriot Travel Medical Insurance plans meet Schengen Visa requirements if you are traveling to Europe.

Which medical network do I have access to in the U.S. with my IMG Patriot America Platinum plan?

The U.S. network for travelers inside the U.S. is UnitedHealthcare . UnitedHealthcare provides travelers with direct access to the following:

• Over 1.4M physicians
• 6,797 hospitals
• Over 45,000 clinics
• 67,000 pharmacies
• 1,800 convenience clinics

Which global medical network do I have access to with my IMG Patriot International Platinum plan?

IMG's International Provider Access network provides travelers outside of the U.S. with access to quality healthcare worldwide. IMG's proprietary network provides travelers with access to the following:

• Over 18,550 physicians and facilities
• Direct billing arrangements that minimize time and upfront expense

When can I purchase an IMG Patriot Platinum plan for my upcoming travel?

You can purchase an IMG Patriot Travel Insurance policy at any time prior to your trip start date up to the day you travel if you choose.

You can apply a month or more before leaving. It is your choice. Applicants may choose to apply for the Patriot plan after their trip has begun. In this case, coverage will not be effective until the application has been approved and you have paid the applicable premium.

You can change the start and end date for your plan at any time before the current start date without any penalty. There may be an extra charge if your total number of days traveling is more than you initially purchased.

Can I cancel my IMG Patriot Platinum plan if my circumstances change and I no longer need it?

The plan administrator, IMG, will refund your premium if you cancel your policy prior to the start of your trip.

You may also request a cancellation after your trip has begun, but your request may be denied depending on the policy, the reason for cancellation, and the timing of your request.

Purchase Patriot Travel Medical Insurance Today

International Medical Group

IMG Global Medical Insurance Plan

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

Christine Krzyszton

Senior Finance Contributor

312 Published Articles

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

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3265 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

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, how img compares, 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. 

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:

To Credit Card Travel Insurance

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. 

To Other Travel Insurance Companies

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. 

To Point-of-Sale Coverage

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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Reviews 4.6.

11,229 total

Most relevant

I'm happy with the phone and the deal I got from the company. I needed a good smartphone with basic functions, and the site recommended one that met all the requirements. Communicating with the service team helped me get exactly what I was looking for.

Date of experience : June 07, 2024

The ease of applying for the Insurance

The ease of applying for the Insurance. I actually have insurance to cover me for 2 months. That policy only covers Greece Croatia, and Italy. Medical insurance is all I want for 11 days. Regards Sharon

Date of experience : September 20, 2023

The representative I talked to refused…

The representative I talked to refused to help me or transfer me to someone who could. I needed travel insurance and she only offered me medical. She spoke over me and kept trying to get me to sign up for something I didn't want. It seemed very unprofessional and made this company seem shady.

I've dealt with these people before

I've dealt with these people before. Though I've been fortunate in not having needed emergency services, I get the feeling they're just waiting to help.

Date of experience : June 04, 2024

Good website; easy experience

It was easy to understand the policy and use the website. It had an option for just what I needed with insurance.

Date of experience : June 09, 2024

Easy to apply for insurance

Easy to apply foe insurance. Affordable with lots of choices depending on what type of insurance you need.

Date of experience : June 06, 2024

The site is user friendly

The site is user friendly. All steps explained fully. A straightforward experience. Thank you

Date of experience : June 08, 2024

RUN! RUN AWAY! Worst company ever.

First of all, if you are reading this, please filter within this thread the word "claim". You will see that NO ONE is pleased with IMG claim processing. Especially me. Here is my story. I have IMG's Global Bronze 2 global health insurance. Since 2021 no less. I am an-expat living in Mexico. I tripped and fractured both my tibia and fibula Jan 09, 2024. A nasty spiral fracture that required surgery and internal fixations. IMG received (via their internet portal) my THOROUGHLY documented claim Jan 25. 2024. That is 95 business days ago. I have since even emailed them my actual credit card statements showing where I have paid all the submitted procedures, (Even though the paid receipts were clearly sent at the beginning). I have since made 10 phone call inquiries with the same "it is under review" blah blah blah. They have had plenty ample time to review and pay my claim but they willfully choose NOT to. And the worst part is, I am still at their mercy. I also , just now , made a formal complaint to the Indiana Insurance Commissioner. I did not want to write this review NOR submit a formal complaint but they left me no recourse. You have been warned.

Date of experience : January 25, 2024

Pretty seamless app that I have used…

Pretty seamless app that I have used many times for short-term coverage. ONly suggestion you would be that I should be able to buy a new policy from the MyIMG site after logging into the account. Find no place to go from service on existing to buying a new one. Other than that, really a good company with which to deal.

Date of experience : May 28, 2024

Every phase of application process was…

Every phase of application process was clear and simple. Easy process

Date of experience : June 10, 2024

Very Easy to Use

I have used IMG over and over while traveling to the USA. I have never had to make a claim, but their website is so even to use and it's comforting to have the needed coverage. I found out about IMG from a fellow missionary that says that they have had to file a claim and it was very simple to do so.

Date of experience : May 31, 2024

Clear comparisons and details on the…

Clear comparisons and details on the trip plans. Would have been nice to know what the max amount of coverage days was up front instead. Otherwise perfect experience.

fast and easy

Really fast and easy, highly recommended! Insurance abroad is easy and this will help us to have a more relaxed trip to Europe. Cheers

I am regular client

I am regular client, buy this insurance at least couple of times a year, one month each visit. The application is simple and easy to use.

Date of experience : June 03, 2024

Easy to compare and buy

It is so easy to buy and easy to compare plans. We buy travel medical insurance every year. Thankfully we've never had to use it but I appreciate the peace of mind. The prices are reasonable and the purchase process is easy. I definitely recommend this service. We bought the Patriot Lite Travel Med Ins

Date of experience : May 25, 2024

Good Customer Service

I have used your service in the past and the customer service was great. Even with a challenging situation I had in a foreign country, I was able to figure everything out with the IMG customer service.

Date of experience : November 11, 2023

Good but exactly what's covered in…

Good but exactly what's covered in medical is not clear. If I end up in a foreign hospital I'm still not sure what I'll pay or is covered. 500K is very deceptive.

Date of experience : March 06, 2024

User friendly site

The process to select and purchase coverage is easy and coverage in USA is available. I hope to never need the medical coverage, but if I do, I hope the claim process is as simple as the purchasing process. Thanks.

Date of experience : May 30, 2024

Good, clear directions, simple and easy to navigate.

Everything was very easy to follow and…

Everything was very easy to follow and easy to understand. This was the top sponsored google add but worked out great. I do not have a lot of time so this helped me get sorted.

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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

Sarah Horvath is a finance writer and researcher based in New York City. She specializes in writing about home warranties, insurance and home financial protection.

Tori Addison is an editor who has worked in the digital marketing industry for over seven years. A journalist by trade, her experience includes communications and marketing management in the nonprofit, governmental and academic sectors.

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.

Rating is based off of MarketWatch Methodology Guidelines

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 $224 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.

Use the chart below to compare IMG's average cost to competitors:

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.

Other Travel Insurance Providers To Consider

• Nationwide Travel Insurance Review
• Faye Travel Insurance Review
• TravelSafe Travel Insurance Review
• Tin Leg Travel Insurance Review
• World Nomads Travel Insurance Review
• Travelers Travel Insurance Review
• WorldTrips Travel Insurance Review
• Allianz Travel Insurance Review
• HTH Travel Insurance Review

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

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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Img travel protection plans now available through travelinsurance.com.

NEW YORK , May 7, 2024 /PRNewswire/ -- TravelInsurance.com  welcomes IMG (International Medical Group), an award-winning global insurance benefits and assistance services company, to its leading travel insurance comparison marketplace. TravelInsurance.com provides the simplest method to compare and purchase travel insurance from global travel insurers. The iTravelInsured Travel Lite, SE, and LX comprehensive travel protection plans from IMG are a highly regarded addition to TravelInsurance.com's roster.

"We are excited to provide IMG travel protection plans, expanding our coverage options for travelers, especially as the summer travel season gets underway," says Stan Sandberg , co-founder of TravelInsurance.com.

IMG offers a range of insurance programs, including international private medical insurance, travel medical insurance, and travel insurance, as well as insurance administrative services and 24/7 emergency medical, security, and travel assistance.

"We are proud to partner with TravelInsurance.com to offer our premier travel protection plans," says Steve Paraboschi , IMG President and CEO. "Travel insurance is more than just a policy; it's assurance that even amidst the uncertainties of travel, you have a reliable ally to safeguard your health, belongings, and financial investments."

To compare and buy travel insurance or for more information and travel tips, visit  https://www.travelinsurance.com .

About IMG® (International Medical Group®) IMG® (International Medical Group®), a SiriusPoint company, is an award-winning global insurance benefits and assistance services company that has served millions of members worldwide since its founding in 1990. The preeminent provider of travel and health safety solutions, IMG offers a wide range of insurance programs, including international private medical insurance, travel medical insurance, and travel insurance, as well as enterprise services, including insurance administrative services and 24/7 emergency medical, security, and travel assistance. IMG's world-class services, combined with an extensive product portfolio, provide Global Peace of Mind® for travelers, students, missionaries, marine crews, and other individuals or groups traveling, working, or living away from home.

About TravelInsurance.com TravelInsurance.com helps simplify the complicated world of travel insurance by providing consumers with the easiest way to compare and buy trip insurance coverage online. A member company of the U.S. Travel Insurance Association, TravelInsurance.com is owned and operated by DigiVentures Holdings, LLC, a licensed agency that works with some of the largest travel insurers in the industry. Purchases can be made directly through the TravelInsurance.com website, with policies sent by email within minutes.

LOGO: https://www.Send2Press.com/300dpi/21-0312s2p-travelinsur-300dpi.jpg

This release was issued through Send2Press®, a unit of Neotrope®. For more information, visit Send2Press Newswire at https://www.Send2Press.com

View original content: https://www.prnewswire.com/news-releases/img-travel-protection-plans-now-available-through-travelinsurancecom-302138332.html

SOURCE TravelInsurance.com

IMG Global Travel Insurance Review

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Navigating the world of travel insurance can be a daunting task for even the most seasoned travel enthusiasts.

With countless companies promising the best coverage at unbeatable rates, how do you know which one to trust with your safety and peace of mind during your overseas adventure?

In our ongoing mission to provide travelers with the most accurate and helpful information, we’re putting the spotlight on one of the prominent names in the travel insurance industry: IMG Global.

For over three decades, IMG Global has been offering innovative insurance products to international travelers, becoming a significant player in the industry.

However, a longstanding presence in the market doesn’t necessarily translate to the best choice for your needs.

This comprehensive review will delve into the history, products, and customer experiences of IMG Global, empowering you with the knowledge you need to decide whether this is the right travel insurance company for your upcoming adventures.

Buckle up as we embark on this enlightening journey.

In this article...

Brief History About the Company

IMG (International Medical Group) was established in 1990 and has since emerged as a leader in the global insurance sector.

Headquartered in Indianapolis, Indiana, IMG offers a range of innovative insurance products designed to suit the varying needs of international travelers.

It’s a globally recognized company known for providing high-quality medical insurance products for travelers worldwide.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Products Offered by the Company

IMG offers a wide variety of insurance products, including international health insurance , travel insurance, medical insurance for expats, and coverage for mission groups and marine crew.

The company provides multiple travel insurance options such as Patriot Travel Medical Insurance, Patriot America Plus, Patriot Platinum, and more.

Their insurance plans are tailored to meet the requirements of all types of travelers, from single individuals, families to groups.

What’s Special About the Products

What sets IMG’s products apart is their broad and flexible coverage. The company provides extensive benefits such as emergency medical evacuation , coverage for acute onset of pre-existing conditions , trip interruption, lost luggage, and more.

Some plans, such as the Patriot America Plus, even include adventure sports coverage.

They also have customizable deductibles and policy maximums, allowing travelers to tailor the policy to their specific needs and budget.

What Do Customers Think About IMG Global

Customer reviews of IMG Global are generally positive.

Customers appreciate the comprehensive coverage and affordability of the plans. Many users also mention the ease of purchasing and extending policies online.

However, like any insurance provider, some customers have had negative experiences, often related to claim denials or customer service interactions.

Controversies About IMG Global Travel Insurance

While IMG Global is a well-established and reputable company, it has faced controversies, like any large company.

Some customers have expressed dissatisfaction with claim processing times and denials. It’s important to note that many of these complaints arise from misunderstandings about policy terms and conditions.

This emphasizes the importance of reading and understanding your policy details before purchase.

Should You Buy IMG Global’s Travel Insurance Plans?

If you’re an international traveler looking for comprehensive coverage at a competitive price, IMG Global is a solid choice.

Their wide array of plans and benefits ensures there is a product suitable for almost any travel scenario. However, as with any insurance purchase, it’s vital to read the policy carefully and make sure it meets your specific needs.

How Is the Network?

IMG boasts a broad global network of healthcare providers.

This extensive network ensures that, no matter where you are in the world, you can access quality medical care.

IMG’s website provides an easy-to-use tool for locating healthcare providers within their network.

How Good Is the Customer Service?

IMG’s customer service receives mixed reviews.

Some customers appreciate the helpful and responsive customer support team, while others have faced issues with communication.

However, the company provides 24/7 customer support and offers multiple channels for customer support, including phone, email, and live chat.

What Are Their Most Popular Products?

Among IMG’s products, the Patriot Travel Medical Insurance plans are quite popular due to their flexibility and comprehensive coverage options.

Patriot America Plus, with its robust coverage for acute onset of pre-existing conditions, is particularly preferred by older travelers.

In conclusion, IMG Global is a reputable insurance provider that offers a wide range of flexible and comprehensive travel insurance products.

It’s always recommended to do your research, read the policy details carefully, and choose the plan that best fits your travel needs and budget.

What types of travel insurance does IMG Global offer?

IMG Global offers a wide range of travel insurance products, from trip cancellation plans to comprehensive international medical insurance. They also provide specific coverage for activities like adventure sports.

Does IMG Global cover COVID-19 related claims?

Yes, many of IMG Global’s plans offer coverage for COVID-19 related medical expenses. However, the coverage varies by plan, and it’s recommended to review your policy details or consult with an IMG representative for specific information.

How do IMG Global’s premiums compare to other travel insurance providers? The premiums for IMG Global’s travel insurance plans are competitive and vary based on factors such as the traveler’s age, trip duration, and the level of coverage chosen.

How do I file a claim with IMG Global?

To file a claim with IMG Global, you must complete a claim form available on their website and submit it along with the required supporting documentation.

What is IMG Global’s reputation among customers?

IMG Global generally receives positive reviews for its comprehensive coverage options and customer service. However, like any insurance provider, experiences may vary, and some customers have reported dissatisfaction with claim handling.

Is IMG Global a good choice for adventure sports coverage?

IMG Global offers specific plans geared towards those engaging in adventure sports, making it a strong contender for travelers seeking this type of coverage.

How does IMG Global handle pre-existing conditions?

Coverage for pre-existing conditions varies among IMG Global’s different insurance plans. Some plans offer a waiver for pre-existing conditions if certain requirements are met.

What network of medical providers does IMG Global offer?

IMG Global has a vast network of medical providers worldwide. Plan holders can search for suitable healthcare providers within their area through the IMG Global website.

Remember, it’s crucial to understand all the terms, conditions, exclusions, and benefits of any insurance plan before purchasing.

Always read the policy documentation carefully and reach out to the insurance provider if you have any doubts or questions.

Get Free Consultation

Safe Travels USA Cost Saver

January 24, 2020

Safe Travels USA Comprehensive

January 23, 2020

Patriot Platinum

Visitors Care

Patriot International

Patriot America

January 22, 2020

Patriot America Plus

January 21, 2020

Atlas America

January 16, 2020

Nationwide Prime Travel Insurance Review

September 21, 2023

Nationwide Luxury Cruise Travel Insurance Review

Nationwide choice cruise travel insurance review, nationwide universal cruise travel insurance plan review, nationwide essential travel insurance plan review, all clear travel insurance – all you need to know.

August 4, 2023

CoverMore Travel Insurance: Everything You Need to Know

Staysure travel insurance: everything you need to know, post office travel insurance – everything you need to know, argentina expatriate health insurance – ultimate guide.

August 2, 2023

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How to Find the Best Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

What you need to know about coronavirus. Stay informed.

Coronavirus updates

Personal Memberships

• Travel Services Rescue, medevac, advisory & security
• TotalCare Telehealth Travel services membership plus telehealth
• Business Travel Risk Mitigation For businesses, universities & associations
• Duty of Care Intelligence, medical & security management
• New GRID Travel intelligence & tracking platform

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• Become An Affiliate For bloggers, educators and other content creators
• Partner Login
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• News & PR Global Rescue news

IMG SIGNATURE TRAVEL INSURANCE

Travel insurance.

IMG ® , a worldwide leader in global benefits and travel insurance, has created a robust product, tailor-made for the adventurous traveler. IMG Signature Travel Insurance SM is an excellent add-on to your Global Rescue membership, providing coverage against a variety of unexpected expenses while you’re traveling, and giving you the added comfort of knowing your trip is protected should certain mishaps occur.

Purchase Travel Protection Today:

Existing Members:

• Login to the  Member Portal
• Select “Travel Protection” in the left-hand menu
• Complete the purchase process to add travel protection to your membership

If you cannot recall your login information, please contact Member Services at (617) 459-4200, or [email protected] .

Non-Members:

To purchase a Signature Travel Protection Plan without a Global Rescue membership, click here .

To become a Global Rescue Member:

• Visit the  “Join Now” page
• During the purchase process, you will be prompted to add travel protection to your membership

Key Features*:

** Additional terms apply to all coverages. CFAR/IFAR must be purchased together and are only available for trips with a per person cost of $100,000 or less; additional cost applies; not available in NY.

Sample Plan Documents

Description of benefits, sample policies.

For residents of Washington

For residents of Illinois

For residents of Indiana

For residents of Missouri

For residents of Montana

For residents of New Hampshire

For residents of New York ✝

For residents of Pennsylvania and Oregon

For residents of rest of USA

This plan is subject to limitations and exclusions, including an exclusion due to pre-existing conditions. Please review plan document for full details.

*International Medical Group® (IMG®) is a leader in global benefits and travel insurance services. The above is a summary of insurance benefits that are part of the protection plan, which also contains non-insurance assistance services.. Availability and benefits may change per state. If you are not satisfied for any reason with the coverage, you may submit a cancellation request and receive a full refund within 10 days from the effective date of your coverage, as long as your trip departure date has not occurred and you have not filed a claim. The plan is non-refundable after the Free Look Period. Insurance benefits are underwritten by the United States Fire Insurance Company. Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2022.

† Cancel and Interrupt for Any Reason is not available to residents of the state of New York.

General TotalCare Disclaimer:

• ©2024 Global Rescue LLC. TotalCare and the TotalCare logo are service marks of Global Rescue LLC. All Rights Reserved. Global Rescue LLC provides technical and administrative services to Elite Medical Group, P.C. (“Elite Medical”), a professional corporation owned by licensed physicians that employs or contracts with physicians licensed to practice medicine where medical services are provided. It is not guaranteed that a prescription will be written, nor will any DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse, as a result of a TotalCare consultation. Elite Medical physicians reserve the right to deny care for potential or actual misuse of services. The Global Rescue Mobile App is designed for operation on the current versions of Android and iOS operating systems. Availability of services is subject to your equipment compatibility, connectivity and signal in your location. There is no guarantee that all features and functionality will be available in your location. Use and availability of the Mobile App is subject to your service provider’s plan and may be subject to additional fees from your provider.

Extended Plan TotalCare SM :

• For individuals 85+, medical transport is not included in membership. Members 85+ may purchase medical transport on a fee for service basis.

Mobile Apps:

• Global Rescue Mobile Apps are designed for operation on the current versions of Android and iOS operating systems. Availability of services is subject to your equipment compatibility, connectivity and signal in your location. There is no guarantee that all features and functionality will be available in your location. Use and availability of the Mobile Apps are subject to your service provider’s plan and may be subject to additional fees from your provider. The download and use of a Global Rescue Mobile App is subject to the terms of your Member Services Agreement and the applicable End User License Agreement (EULA).

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Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions and eligibility requirements apply. In addition, if you are a United States or foreign citizen physically located and/or living in the United States while viewing this website, there may be certain additional restrictions, conditions and eligibility requirements that apply. Please contact IMG or your independent insurance broker/agent for details.

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Please be aware that when a translation is requested, you will leave the IMG website. IMG does not endorse the use of Google Translate and there are other translation services may also be used to view our site. Any person or entities that obtain or rely upon information obtained from the Google Translate service does so at his or her own risk. When a translation is complete, you assume the risk of any inaccuracies, errors or other problems encountered. IMG is not responsible for any liability, damage or issues that may possibly result from using Google Translate.

If you have any questions about Google Translate, please click the following link: Google Translate FAQs.

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Under no circumstances, including but not limited to negligence, shall INTERNATIONAL MEDICAL GROUP be liable for any indirect, special, incidental, consequential or other damage, including, but not limited to, loss of data or lost profits, which result from the use of, or the inability to use, the materials in this site, even if INTERNATIONAL MEDICAL GROUP or an INTERNATIONAL MEDICAL GROUP authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. Notwithstanding the above, in no event shall INTERNATIONAL MEDICAL GROUP's total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this site.

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IMPORTANT NOTICE: Our insurance is not subject to, and does not provide benefits required by, PPACA. PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew our products, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is solely your responsibility to determine if PPACA is applicable to you.

This agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both Parties.

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The marks, designs and logos listed and displayed below, and/or as otherwise used and published on this Website, are the trademarks, service marks and/or registered marks of International Medical Group, Inc. and/or its subsidiaries in the United States and/or other countries. All rights and interests in and to such marks, designs and logos are fully reserved for all purposes.

ACM® AKESO® AKESO CARE MANAGEMENT® COVERAGE WITHOUT BOUNDARIES® CREWSELECT INTERNATIONAL℠ EUROGLOBAL DAILY INDEMNITY® EUROGLOBAL MEDICAL INSURANCE® EUROGLOBAL TERM LIFE INSURANCE® EUROGLOBAL® FAMILY MATTERS® GEO℠ GROUP GLOBAL CREW MEDICAL INSURANCE® GLOBAL EMPLOYER'S OPTION℠ GLOBAL MEDICAL INSURANCE® GLOBAL MISSION BASIC® GLOBAL MISSION MEDICAL INSURANCE℠ GLOBAL PEACE OF MIND® GLOBAL SENIOR PLAN® GLOBALFUSION℠ GLOBALSELECT® GLOBEHOPPER® HEADSTART® ICM® IMG® IMGLOBAL® INSURANCE WITHOUT BOUNDARIES® INTERNATIONAL MARINE MEDICAL INSURANCE℠ INTERNATIONAL MEDICAL GROUP® ITRAVELINSURED® LARGE COMPANY RESOURCES, SMALL COMPANY ATTITUDE® MEDICAL COVER WITHOUT BOUDARIES® MISSION + PLUS INTERNATIONAL® MP+INTERNATIONAL® MYIMG℠ OUTREACH AMERICA℠ OUTREACH INTERNATIONAL℠ OUTREACH TRAVEL MEDICAL INSURANCE℠ PASSPORT PROTECTION PLUS® PATRIOT AMERICA® PATRIOT ADVENTURE℠ PATRIOT EXECUTIVE® PATRIOT EXTREME® PATRIOT GOTRAVEL℠ PATRIOT GOTRAVEL℠ GROUP PATRIOT GREEN TRAVEL MEDICAL INSURANCE℠ PATRIOT GREEN GROUP TRAVEL MEDICAL INSURANCE℠ PATRIOT GREEN℠ PATRIOT GREEN GROUP℠ PATRIOT GROUP TRAVEL MEDICAL INSURANCE® PATRIOT INTERNATIONAL® PATRIOT MULTI-TRIP℠ PATRIOT PLATINUM TRAVEL MEDICAL INSURANCE℠ PATRIOT PLATINUM GROUP TRAVEL MEDICAL INSURANCE℠ PATRIOT PLATINUM℠ PATRIOT PLATINUM GROUP℠ PATRIOT T.R.I.P.® PATRIOT T.R.I.P.® ELITE PATRIOT T.R.I.P.® STUDENT PATRIOT TRAVEL MEDICAL INSURANCE® PATRIOT® PTOgo TM REPATRIOT® SELECTAPLAN® STUDENT HEALTH ADVANTAGE℠ VISITORS CARE® WE'RE THERE WITH YOU℠ YOUR$HARE® (stylized) YOURSHARE®

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IMG Online Privacy Statement

Effective Date: May 7, 2024

This statement (the “Privacy Policy”) applies to IMG websites, services, products and applications that collect data and display these terms, owned and operated by International Medical Group®, Inc., its subsidiaries, and affiliates, including, but not limited to, a la carte Healthcare, Ltd., Global Response Ltd., IMG Europe, Ltd., iTravel Insured, Inc. and AkesoCare Management, Inc. (collectively “IMG”, “IMG®”, “we”, “us”, or “our”).

At IMG, we are committed to earning your trust by respecting and protecting the privacy of the personal information you provide to us online. The following describes how IMG collects, uses, shares and secures the personal information you provide, as well as the human resources data of our employees. It also describes your choices regarding use, access, and correction of your personal information.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request .

Under certain conditions, you may be entitled to invoke binding arbitration regarding your privacy concerns when other dispute resolution procedures have been exhausted.

EU-U.S. & Swiss-U.S. Privacy Shield

The EU-U.S. and Swiss-U.S. Privacy Shield Frameworks were designed by the U.S. Department of Commerce, and the European Commission and Swiss Administration, respectively, to provide companies on both sides of the Atlantic with a mechanism to comply with data protection requirements when transferring personal data from the European Union, the United Kingdom and Switzerland to the United States in support of transatlantic commerce.

International Medical Group, Inc. and its subsidiaries and affiliates, such as iTravel Insured,  and Akeso Care Management, Inc. and International Medical Administrators, Inc., participate in and have certified their compliance with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework. We are committed to subjecting all personal data received from European Union (EU) member countries, the United Kingdom and Switzerland, respectively, in reliance on each Privacy Shield Framework, to the Framework’s applicable Principles. To learn more about the Privacy Shield Frameworks, and to view our certification, visit the U.S. Department of Commerce’s Privacy Shield List. https://www.privacyshield.gov

IMG is responsible for the processing of personal data it receives, under each Privacy Shield Framework, and subsequently transfers to a third party acting as an agent on its behalf. IMG complies with the Privacy Shield Principles for all onward transfers of personal data from the EU and Switzerland, including the onward transfer liability provisions.

With respect to personal data received or transferred pursuant to the Privacy Shield Frameworks, IMG is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

If you have an unresolved privacy or data use concerns that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request .

Under certain conditions, more fully described on the Privacy Shield website https://www.privacyshield.gov/article?id=How-to-Submit-a-Complaint , you may be entitled to invoke binding arbitration regarding your privacy concerns when other dispute resolution procedures have been exhausted.

IMG has further committed to cooperate with the EU data protection authorities (DPAs) for EU employees, and the Swiss Federal Data Protection and Information Commissioner for Swiss employees, with regard to unresolved Privacy Shield complaints concerning human resources data transferred from the EU or Switzerland, respectively, in the context of the employment relationship.

Collecting Your Information

IMG collects many kinds of information in order to operate effectively and provide you the best products, services and experiences we can. Regardless of the source, we believe it’s important to treat the personal information with care and to help you maintain your privacy.

In correlation with your relationship with us (e.g. consumer insured or policyholder; producer or appointed representative; or other person relating to our business), we may collect the following personal information from you and your dependents:

• Name; gender; marital status; citizenship; date of birth; physical attributes; activity records such as exercise routines; current or former medical condition and health status including other factors affecting insurability; relationship to the policy holder, insured, or claimant; contact information such as email, mailing, or alternate address, telephone, mobile, fax number; affiliated company or sponsoring organization; financial information such as payment card number and billing address; government issued ID’s such as social security number; telephone recordings of calls to our representatives and call centers; unique identifiers such as certificate, group, insured or member ID, producer, and ITINnumber; education, qualifications, and previous experience for job applicants.

We may also collect from you, information about your contacts such as your beneficiaries; your medical practitioner’s name, address, and contact information; to fulfill and/or process a claim. When you provide us with personal information about your contacts we will only use this information for the specific reason for which it is provided. If you believe that one of your contacts has provided us with your personal information and you would like to request that it be removed from our database, please contact: [email protected] .

We may receive information about you from third parties from whom we have obtained data, and combine this data with information we already have about you. For European citizens and residents who wish to discover the identity of the third parties from whom we have obtained data, please contact: [email protected]. This information helps us to update, expand and analyze our records and provide products and services that may be of interest to you. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us. Example of the type of personal information that may be obtained from third parties may include, purchased marketing data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

As is true of most websites, we gather certain information automatically. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data to analyze trends and to administer the site.

IMG and its partners use cookies or similar technologies to analyze trends, administer the website, track users’ interactions with the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it will limit your use of certain features or functions on our website or service.

Contact information for IMG’s Data Protection Officer:

9200 Keystone Crossing Suite 800 Indianapolis, IN USA 46240 1-800-628-4664 [email protected]

Browser Controls for “Do Not Track” and Tracking Protection

Some IMG browsers have incorporated “Do Not Track” features. Most of these features, when turned on, send a signal or preference to the web sites you visit indicating that you do not wish to be tracked. Those IMG sites may continue to engage in activities you might view as tracking even though you have expressed this preference, depending on the sites’ privacy practices.

Most web browsers have a feature related to tracking protection that helps prevent the websites you go to from automatically sending details about your visit to third-party content providers. When you add a tracking protection list, the browser may block third-party content, including cookies, from any site that is listed as a site to be blocked. By limiting calls to these sites, the browser will limit the information these third-party sites can collect about you. And when you have a tracking protection list enabled, certain browsers may send a do not track signal or preference to the web sites you visit. For more information about Tracking Protection Lists and how to find them, please see your browser’s privacy statement or help documentation.

Our Use of Cookies and Similar Technologies

IMG uses cookies and similar technologies for several purposes, depending on the case, including:

• Storing your Preferences and Settings. Settings that enable our websites to operate correctly or that maintain your preferences over time may be stored on your device. For example, if you enter your city or postal code, we may store that data in a cookie so that you will see the relevant local information when you return to the site. We also save preferences, such as language, browser, and multimedia player settings, so those do not have to be reset each time you return to the site. If you opt out of interest-based advertising, we store your opt-out preference in a cookie on your device.
• Security. We use cookies to detect fraud and abuse of our websites and services.
• Storing Information you Provide to our Websites. When you provide information, or submit an insurance application, we store the data in a cookie to remember the product and information you have added.
• Social Media. Some of our websites include social media cookies, including those that enable users who are logged in to the social media service to share content via that service.
• Feedback. IMG uses cookies to enable you to provide feedback on a website.
• Interest-Based Advertising . IMG uses cookies to collect data about your online activity and identify your interests so that we can provide advertising that is most relevant to you. You can opt out of receiving interest-based advertising at any time.
• Showing Advertising. IMG uses cookies to record how many visitors have clicked on an advertisement and to record which advertisements you have seen so you don’t see the same one repeatedly.
• Analytics. In order to provide our websites, we use cookies and other identifiers to gather usage and performance data. For example, we use cookies to count the number of unique visitors to a web page and to develop other statistics about the operations of our web properties. This includes cookies from IMG and from third-party analytics providers like Google.
• Performance. IMG uses cookies for load balancing to ensure that websites remain up and running. Some of the cookies we commonly use are listed below. This list is not exhaustive, but it is intended to illustrate the main reasons we typically set cookies. If you visit one of our websites, the site may set some or all of the following cookies:

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.

You can set your browser to block or alert you about these cookies, but some parts of the site will not function properly.

Cookies Used:

• Sitefinity CMS
• Google Tag Manager

Performance & Interaction Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

All information these cookies collect is aggregated and therefore does not directly identify an individual. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

• Google Analytics
• Google Translate
• Nice Contact

Targeting & Advertising Cookies

These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and interactions. They do not store personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will not experience a loss of site functionality.

• DoubleClick
• Google AdWords
• Facebook Custom Audience

More Information

In addition to the cookies IMG sets when you visit our websites, third parties may also set cookies when you visit our sites. In some cases, that is because we have hired the third party to provide services on our behalf, such as site analytics. Because your browser connects to those third parties' web servers to retrieve that content, those third parties are able to set or read their own cookies on your device and may collect information about your online activities across websites or online services.

How to Control Cookies

Most web browsers automatically accept cookies but provide controls that allow you to block or delete them. For example, in Microsoft Edge, you can block or delete cookies by clicking Settings > Privacy > Cookies. Instructions for blocking or deleting cookies in other browsers may be available in each browser's privacy or help documentation.

Certain features of IMG sites depend on cookies. Please be aware that if you choose to block cookies, you may not be able to sign in or use those features, and preferences that are dependent on cookies may be lost. If you choose to delete cookies, settings and preferences controlled by those cookies, including advertising preferences, will be deleted and may need to be recreated.

Other Similar Technologies

In addition to standard cookies and web beacons-confirms user has accessed some level of content, our products can also use other similar technologies to store and read data files on your computer. This is typically done to maintain your preferences or to improve speed and performance by storing certain files locally. But, like standard cookies, these technologies can also be used to store a unique identifier for your computer, which can then be used to track behavior. These technologies include Silverlight Application Storage.

Accessing Your Personal Information and Search History

When using a web browser, you can access and manage your information, including Search History, through the preferences page. You may clear your search history from appearing on the site by following the steps provided in see your search history. Clearing your history removes it from the Search History and prevents that history from being displayed on the web browser, but does not delete information from our standard search logs, which are retained and are replaced with artificial identifiers.

Upon request IMG will provide you with information about whether we hold any of your personal information. You may access, correct, or request deletion of your personal information by logging into your account or by contacting  [email protected] . We will respond to your request within a reasonable timeframe. In certain circumstances we may be required by law to retain your personal information, or may need to retain your personal information in order to continue providing a service.

Our websites are not structured to attract children. Accordingly, we do not solicit or knowingly collect any personal information from anyone who visits our websites that we know to be under 13 years of age. If we are made aware that information is or has been submitted by or collected from a child below 13, we will immediately delete their personal information. This provision does not apply to insureds, customers or other individuals on behalf of whom we provide services as a result of a customer or an insured relationship.

Other Important Privacy Information

Below you will find additional privacy information you may find important. Much of this describes common practices that we want you to know about and some of this is just stating the obvious (for example, we will disclose information when the law requires it). Please keep in mind that this information is not a complete description of our practices – this is all in addition to the other, more specific information contained in the privacy statements, agreements and releases relating to each IMG product and service you use. 

Sharing or Disclosing Personal Information

Except as described in this privacy statement, we will not disclose your personal information to a third party without your prior consent and as permitted under applicable laws.

We may share your information with third parties who provide services on our behalf to help with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us. When we share information with these other companies to provide services for us, they are not allowed to use it for any other purpose and must keep it confidential. These services may include:

• Adjudicating and managing the claims process
• Payment processing to healthcare providers
• Providing customer service
• Sending marketing communications (subject only to your express consent)

In certain situations, IMG may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.We may also disclose your personal information as required by law, such as to comply with a subpoena or other legal process, when we believe in good faith that disclosure is necessary to protect the rights or property of IMG, our insureds, clients or our customers, including enforcing the terms governing your use of the services, protect your safety or the safety of others, investigate fraud, or respond to a government request. If IMG is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website, of any change in ownership, uses of your personal information, and choices you may have regarding your personal information.

In addition to any sharing described in the privacy statement for the product or service you are using, IMG may share or disclose personal information with other IMG controlled subsidiaries and affiliates. For your (opt-out) choices on this type of sharing, please contact [email protected] .

We may also share some search query data with selected third parties for research purposes. Before we do so, we remove all unique identifiers such as IP addresses and cookie IDs from the data. We also run the data through a process designed to remove identifiable information that users may have included in the search terms themselves (such as social security numbers or credit card numbers). Additionally, we require these third parties to keep the data secure and not to use the data for any other purposes.

Protecting the Security of Personal Information

IMG is committed to protecting the security of your personal information. We use a variety of generally accepted standards of security technologies and procedures to help protect the personal information submitted to us, from unauthorized access, use or disclosure both during transmission and once it is received. For example, we store the personal information you provide on computer systems that have limited-role based access and are in controlled facilities. When we transmit highly confidential information (such as a credit card number or password) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share it. If you are sharing a computer, you should always log out before leaving a site or service to protect access to your information from subsequent users. If you have questions about the security of your personal information, you can contact  [email protected] .

We may retain your information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Storage and Retention - We store search terms (and the cookie IDs associated with search terms) separately from any account information that directly identifies the user, such as name, e-mail address, or phone numbers. Further, we have built-in technological and procedural safeguards designed to prevent the unauthorized connections of this data.

We partner with a third party to display advertising on our website or to manage our advertising on other sites. Our third party partner may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests. If you wish to opt out of interest-based advertising click here or if located in the European Union click here . Please note you will continue to receive generic ads.

Furthermore, because cookies can be used for many purposes, users who object to behaviorally targeted advertising may choose to accept cookies but opt out from that particular use. Companies in the online advertising industry have developed guidelines and programs to help protect users’ privacy, and these industry programs include web pages you can visit to opt out from receiving behaviorally targeted advertisements from all participating companies (including IMG). These pages include Digital Advertising Alliance (DAA) Consumer Choice Page here and Network Advertising Initiative (NAI) Opt-Out Page here .

IMG uses Google Analytics for remarketing. When users have chosen to enable Google to associate their web and app browsing history with their Google account, and to use information from their Google account to personalize ads they see across the web, Google Analytics will collect these users’ Google-Authenticated Identifiers, which are Google’s personal data, and temporarily join them to Google Analytics data for remarketing purposes. To opt out from this data collection, you may visit here .

You may sign-up to receive email or newsletter or other communications from us. If you would like to discontinue receiving this information, you may update your email preferences by using the “Unsubscribe” link found in emails we send to you or at your member profile on our website or by contacting [email protected] .

We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact [email protected] .

Our website(s) offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact [email protected] . In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our website(s) includes links to other websites whose privacy practices may differ from those of IMG. If you submit personal information to any of those websites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

You may access IMG services when using other non-IMG sites or services. These sites may use the IMG API. You should refer to the privacy policy of the site for any questions about their information collection and usage practices.

Giveaways & Sweepstakes

To read the terms and conditions for participation in IMG giveaways and sweepstakes, please click here .

Changes to Our Privacy Statements

We will occasionally update our privacy statements to reflect customer feedback and changes in our services. When we post changes to a statement, we will revise the "last updated" date at the top of the statement. If there are material changes to the statement or in how IMG will use your personal information, we will notify you either by prominently posting a notice of such changes before they take effect or by directly sending you a notification (sent to the e-mail address specified in your account). We encourage you to periodically review the privacy statements for the products and services you use to learn the latest information on our privacy practices.

How to Contact Us

Questions about this Statement or about IMG’s handling of your information, please contact [email protected] , or

International Medical Group, Inc. 9200 Keystone Crossing Suite 800 Indianapolis, IN USA 46240

Official Rules: IMG Online Purchase Survey Giveaway Sweepstakes

NO PURCHASE NECESSARY TO ENTER OR WIN. Any purchase of the products or services offered by International Medical Group ® (IMG ® ), its affiliates, or subsidiaries (“Sponsor”) will not improve your chances of winning. Any person’s entry into or participation in International Medical Group’s $100 IMG Online Purchase Survey Giveaway Sweepstakes (the “Sweepstakes”) constitutes his/her agreement with all of the terms and conditions in the Official Rules, applicable laws, and acceptance of Sponsor’s decisions, which are in Sponsor’s discretion and final and binding. All Federal, State, Local, and Municipal laws and regulations apply to the Sweepstakes. Void where prohibited by law.

PRIZE. $100 Visa gift card. The Prize is neither exchangeable, refundable, nor transferable. The winner(s) is solely responsible for all taxes and consequences associated with receiving the Prize.

ELIGIBILITY. This contest is open to adult participants worldwide; you must be at least 18 years of age to enter and not subject to 18 U.S.C. § 1033. No groups, clubs, newsletters or organizations can participate in this Sweepstakes on behalf of the group, club or organization. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be tampering with the operation of the Sweepstakes or any website, or to be acting in any manner deemed by Sponsor to be in violation of the rules; or to be acting in any manner deemed by Sponsor to be disruptive, or with intent to annoy, abuse, threaten or harass any other person.

HOW TO ENTER, ENTRY PERIOD. The entry period begins July 5th, and ends on August 5th (the “Entry Period”). Entries which are duplicates, submitted by the same person, or that are submitted before or after the Entry Period will be disqualified. If eligible, you may enter by completing all information accurately, truthfully, and correctly and submitting feedback to IMG via the Purchase survey. You may also enter by emailing [email protected] with the subject line “Purchase.” Limit one entry per person during the Entry Period.

PRIZE DRAWING. A Sponsor representative at the Sponsor’s corporate office will use Microsoft Excel to randomly select a winner. The Prize can only be redeemed once after the winner(s) is chosen. Once the Prize offered is exhausted, the Prize will expire and will be designated as “Sold Out” and/or will be deleted from any public mediums and will no longer be available for redemption. The odds of winning are not high and will depend upon the number of entrants, which is currently unknown.

NOTIFICATION, DELIVERY, CERTAIN REQUIREMENTS TO RECEIVE PRIZE. All entrants are subject to verification at the sole discretion of Sponsor. Anti-fraud detection devices may be used for verification purposes. No Prize redemption will be valid if such Prize redemption is associated with any entry or participant deemed void for any reason, including without limitation, the following: (a) the entry or participant is not verified or recognized as being validly submitted by Sponsor; (b) the entry or participant is determined to have been previously entered. It is the sole responsibility of the entrant to notify the Sponsor in writing if the entrant changes his or her e-mail or postal address during the Sweepstakes. Sponsor will attempt to contact the selected winner(s) via email within three (3) business days of the drawing. Notification is deemed effective immediately upon successful sending of the email(s). If a selected individual is found to be ineligible, declines to accept the Prize, refuses to produce documentation verifying identity, or is unable to be contacted (including failing to return emails to Sponsor) within three (3) business days of Sponsor’s email to that person, at Sponsor’s election such person may be deemed to have forfeited and/or declined any interest, right, entitlement, and/or claim to receive the Prize. To be confirmed as a winner, the selected individual(s) will be required to furnish all information required by the IRS within three business days of Sponsor’s email to that person. If all requested documents are timely received and Sponsor confirms compliance with the Official Rules, the selected individual(s) will be confirmed as the Prize winner(s), and announced publicly on Monday, August 14, 2017. The Prize will be sent within ten (10) business days of Sponsor’s confirmation of the winner(s) and receipt of any documentation required by governmental entities.

PUBLICITY, GRANT OF RIGHTS, PERSONAL INFORMATION. Except where prohibited by law, the winner(s), their spouse(s), and immediate family consent to the use of his/her name, city of residence, photograph, voice, likeness, image, content, email address, or any other aspect of his/her personality (“content”) for any advertising and/or publicity by Sponsor, its affiliates, and subsidiaries, throughout the world, in all media and means now known or hereafter discovered, in perpetuity, without any notice, approval, additional compensation or other obligation. Entrants also hereby grant Sponsor a worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare electronic messages, derivative works of, display, and perform the content in connection with Sponsor’s services and its, its successors' and affiliates’ business, including without limitation for promoting and redistributing part or all of the content (and derivative works thereof) in any media formats and through any media channels. By entering the Sweepstakes and voluntarily providing personal information, each entrant grants permission to Sponsor to collect and use such information for marketing purposes and administering the Sweepstakes. Each entrant grants Sponsor a license to share personal information with its subsidiaries and affiliates for the purpose of offering their products and services and administering the Sweepstakes.

GENERAL. Sponsor reserves the right to modify, add, subtract, suspend or cancel the Sweepstakes and/or these Official Rules, in whole or in part, without prior notice and with no obligation or liability, if for any reason, the Sweepstakes is not capable of running as planned, whether due to fraud, technical difficulties, tampering or other causes outside the anticipation or control of Sponsor. By entering this Sweepstakes, entrants agree to release and to indemnify, defend and hold harmless Sponsor, its affiliates, and subsidiaries and their owners, shareholders, members, officers, employees, agents, contractors, and representatives from any and all liability, claim, action, loss, damage or injury arising from entry and/or participation in this Sweepstakes. Sponsor reserves the right, at its sole discretion, to disqualify and seek damages from any individual it finds to be tampering with the entry process or operation of the Sweepstakes, to be acting in violation of the terms of these Official Rules, violating applicable laws, or to be acting in a non-sportsmanlike or disruptive manner. Any use of robotic, automatic, macro, programmed, third-party, or like entry methods are void and disqualify the attempt to enter the Sweepstakes.

No responsibility or liability is assumed by the Sponsor for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the Sweepstakes: hardware or software errors; faulty computer, telephone, cable, satellite, network, electronic, wireless or Internet connectivity or other online communication problems; errors or limitations of any Internet service providers, servers, hosts or providers; garbled, jumbled or faulty data transmissions; failure of any email transmissions to be sent or received; lost, late, delayed or intercepted email messaging transmissions; inaccessibility of any website in whole or in part for any reason; traffic congestion on the Internet or any website; unauthorized human or non-human intervention of the operation of the Sweepstakes, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, worms; or destruction of any aspect of the Sweepstakes, or loss, miscount, misdirection, inaccessibility or unavailability of information used in connection with the Sweepstakes. Sponsor is not responsible for any typographical or printing errors in these guidelines, or any inaccurate or incorrect data contained on any website, including without limitation, the number of prizes available, or any personal injury or property damage or losses of any kind which may be sustained to user's or any other person's computer equipment or electronic equipment resulting from online participation in the Sweepstakes, or use of or download of any information from any website. Use of any website is at user’s own risk. Without limiting the foregoing, everything on any website is provided “as is” without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement.

DISPUTES. The interpretation and enforceability of these Official Rules is governed by the laws of the State of Indiana. All disputes arising or connected to this Sweepstakes will be resolved individually, without resort to a class action, exclusively by state or federal court located in the judicial district encompassing Indianapolis, Indiana. If there is a conflict between the laws of the State of Indiana, and any other laws, the conflict will be resolved in favor of the laws of the State of Indiana. All judgments and awards in favor of a participant or winner shall be limited to the lesser of the Prize or actual out-of-pocket damages (excluding attorney’s fees) associated with the entrant’s participation in this Sweepstakes and shall not include any indirect, punitive, and/or consequential damages.