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IMG Travel Insurance: Is It Worth the Cost?

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Table of Contents

What is IMG travel insurance?

What does img travel insurance cover, img travel insurance policy overview, what’s not covered by an img travel insurance plan, how img travel insurance compares with its competitors, how much is img travel insurance, how to buy an img travel insurance policy, which img travel insurance plan is best for me, does img travel insurance offer 24/7 travel assistance, how to file a claim with img travel insurance, is img travel insurance worth it, img travel insurance recapped, star rating methodology.

• Annual or single-trip policies are available.
• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

IMG travel insurance isn’t cheap. In fact, according to a recent NerdWallet analysis, IMG’s coverage is the most expensive among competitors. However, IMG offers so many different plans — for all types of travelers — that paying the extra cost may be worth it to have a policy that suits your needs.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

IMG is headquartered in the U.S. and offers global travel insurance coverage. IMG has over 60 plans, so there’s almost no situation where an IMG policy won’t offer coverage.

Started in 1990, IMG’s travel insurance policies are underwritten by SiriusPoint and Crum & Forster. SiriusPoint has an A- Financial Strength Rating (FSR) from insurance rating firm AM Best, while Crum & Forster has an A rating.

IMG’s travel insurance coverage is broad, with options available for expats, crew members, missionaries, people who go on multiple trips per year, those who like adventure sports and travelers who want a policy for a single trip.

While your exact coverage options depend on the plan, you can expect to have IMG travel insurance medical coverage in nearly all cases. Here are some common coverage types in IMG’s plans.

IMG health insurance coverage : Depending on the plan, this can cover emergency issues arising during a trip or it can act as regular medical insurance. 

Trip interruption and trip cancellation : Can pay for nonrefundable costs incurred as a result of a trip being canceled or interrupted for a covered reason. 

Emergency evacuation : Can pay for the cost of evacuating you, either for a medical or nonmedical reason. 

Baggage insurance : If luggage is lost or delayed, this will reimburse you for the cost of replacing the items.

Several of IMG’s plans are oriented toward travel medical coverage rather than trip protections, which means you'll miss out on many of the benefits outlined above. However, the plans can be considerably cheaper than other options, so they may be a good fit if you’re looking to save money but still have medical coverage.

While IMG offers over 60 plans to travelers, most cater to specific groups of people.

Here we’ve included all six of IMG’s policies for those looking for travel medical and trip protections.

Long- term travel insurance

IMG also offers long-term travel medical options for those who travel often or who are away for longer than six months.

IMG offers two annual plans:

Patriot Multi-Trip International is a plan for U.S. citizens who take multiple trips annually outside the U.S.

Patriot Multi-Trip America is a plan for people who aren't U.S. citizens and who take multiple trips annually outside of their country of residence.

» Learn more: How does annual travel insurance work

Add-on options

Depending on the plans, you’ll have a variety of choices for add-ons. For example, Patriot plans allow you to add device protection, telehealth services and coverage for adventure sports .

The high-end iTravelInsured Travel LX plan also offers the ability to add Cancel For Any Reason (CFAR) insurance .

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

The coverage you’ll receive with an IMG policy depends on the plan. For example, iTravelInsured Travel LX comes with rental car insurance , while the iTravelInsured Travel Lite and iTravelInsured Travel SE plans don't.

Beyond policy-specific differences, you can expect IMG coverage to exclude events like:

Severe storms (after they’ve been named).

Participation in amateur or professional sporting competitions.

Activities conducted under the influence of alcohol or drugs. 

On a 5-star scale, NerdWallet rated IMG 3.5 stars. Jump to see our methodology.

A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest IMG plan cost $183. If you were to spring for the premium plan, which increases coverage limits, expect to pay $252.

When looking across multiple providers, the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage isn't identical across plans; each company offers various levels of scope, limits and exclusions.

How much does IMG travel insurance cost? To get a sense of what you can expect to pay for an IMG travel insurance policy, we generated a sample quote. In this example, a 27-year-old man from Wisconsin was traveling to Vietnam for 11 days.

His total trip cost was $2,200. (For the Patriot International Lite and Patriot International Platinum plans, we selected policy maximums of $100,000 and $2 million, respectively.)

As you can see, the spread of IMG travel insurance cost is pretty significant between the least expensive plan and the most expensive. On the high end, you can expect additional benefits such as rental car insurance.

If you’d like to purchase an IMG travel insurance policy, it’s easy to do so online. To begin, head to IMG’s website , where you’ll be prompted to generate a quote.

The information you’ll need to provide includes:

Dates of travel.

Destination.

State of residence.

Country of citizenship.

After you’ve input the information, IMG will present the plans for which you’re eligible. Then, you can select the one that fits what you’re looking for and complete the checkout process online.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from IMG, you can use a travel insurance aggregator to compare policies across multiple companies at once.

IMG has a huge variety of plans for travelers, whether you’re a full-time digital nomad or you’re looking to take your first trip abroad. Picking the plan that suits your needs depends on the type of trip.

Look at coverage details

Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

For instance, are you going skiing? Then, you might want to purchase a policy that allows sports activities. Do you have expensive items in your luggage? You may want to opt for a plan with a higher limit for lost items.

Think long-term

If you’re planning on traveling multiple times within the year, compare the cost of purchasing several different single-trip policies to buying a yearlong plan, which may save you money.

Use existing coverage

If you hold a credit card with trip insurance, you may want to skip purchasing insurance.

Many travel credit cards offer travel insurance, though coverage levels vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card.

Depending on your card, you may already have trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

» Learn more: How to find the best travel insurance

IMG’s plans offer 24/7 travel assistance, which can help you in many situations. This can include medical issues, lost passports and other problems that crop up during travel.

You can also choose to call IMG:

IMG plans : 317-655-4500.

iTravelInsured plans : 317-655-9796.

IMG also offers direct billing with some providers. This allows you to skip paying out of pocket; instead, the facility will bill your insurance directly. Use the company's Provider Search Tool to find eligible in-network care for direct billing.

To file a claim with IMG, your best bet is to submit a claim online. To do so, you’ll need to create an account on IMG’s website.

From there:

In the MyIMG portal, select “Claims.”

Select “My Claims” from the drop-down menu.

Select the applicable policy.

Select “Submit New Claim.”

Follow the online prompts.

Is IMG travel insurance good?

Because it offers many plan options to travelers, IMG can ensure that you’re covered in nearly all situations. However, it’s also expensive, which means you’ll want to do the math to ensure a policy makes sense for you.

Before purchasing a plan, check out any credit cards that you have. Many travel credit cards offer complimentary travel insurance to cardholders. This can help you save money while still offering peace of mind.

If your flight is canceled and results in an interruption or delay, your IMG plan may cover you. Check your policy documents to be sure.

IMG refunds for claims can take months, so it’s important to submit all documentation to ensure the process goes as smoothly as possible.

IMG’s travel insurance can either be primary or secondary depending on the plan you purchase.

Yes, IMG travel insurance covers COVID.

IMG offers single-trip and long-term travel insurance options. Some plans allow for add-ons like device protection and coverage for adventure sports. However, it's important to note that certain exclusions apply, such as epidemics and severe storms. Before purchasing, consider checking to see if your credit card offers complimentary travel insurance.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

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: Wells Fargo Autograph℠ 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

on Chase's website

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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.

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.

When you use links on our website, we may earn a fee.

IMG Travel Insurance

Learn about travel insurance plans from IMG and all they have to offer.

Optional CFAR and IFAR upgrades available with top-tier plans

Coverage for preexisting medical conditions (terms apply)

Broad selection of plans to choose from

High limits for medical-only travel insurance coverage

No annual comprehensive plans available

Low limits for baggage delays

What IMG Travel Insurance Is Known For

IMG (International Medical Group, Inc.) offers travel insurance plans that can work in a variety of circumstances, whether you need travel medical coverage only or you're in the market for comprehensive travel insurance coverage. The company also offers international health insurance for expats and global citizens living or working internationally, as well as temporary medical coverage for seniors ages 65 and older who are traveling outside the United States.

The company's travel medical-only plans, called the Patriot Travel Series, are for international travelers who need high limits for medical coverage and emergency medical evacuation, with a few other benefits like lost luggage protection thrown in. The maximum limit for these plans can be as high as $1 million or $8 million, although coinsurance and deductibles as high as $25,000 can apply. However, travel medical coverage from IMG can pay for inpatient and outpatient care, ambulance services, dental treatments and more when you're traveling overseas and your U.S. health insurance policy won't apply. IMG also offers a medical-only plan called Patriot America Plus, which covers some U.S. health insurance expenses for international visitors to the U.S.

Where IMG really shines is in its comprehensive travel insurance plans offered through the iTravelInsured Travel Series. These plans can work for all kinds of trips and vacations, and they are offered in three different tiers: the basic iTravelInsured Lite, the mid-tier iTravelInsured SE and the luxury iTravelInsured LX.

Comprehensive travel insurance from IMG stands out in a few different areas, including the availability of cancel for any reason (CFAR) and interruption for any reason (IFAR) coverage with its premium plan. These plans also come with high limits for emergency medical expenses and emergency medical evacuation, plus coverage for trip delays, lost or delayed baggage, baggage delays, and even some pet-related travel expenses. Of course, travel insurance plans in the iTravelInsured Travel Series also include coverage for trip cancellations and interruptions that are beyond a traveler's control.

IMG Travel Insurance for Individual Trips

Most consumers planning an individual trip will need comprehensive travel insurance coverage – thus they should consider the iTravelInsured Travel Series from this provider. These plans offer three levels of coverage that can work for your needs and the type of trip you're taking. Details on what is included with each plan and available policy limits are outlined in the chart below.

iTravelInsured Lite

As you can see in the chart above, the iTravelInsured Lite plan offers bare minimum coverage for individual trips with minimal additional benefits outside of trip cancellation and interruption coverage and protection for emergency medical events. However, this plan does offer up to $100,000 in coverage for medical expenses, up to $500,000 for emergency medical evacuation, and basic coverage for unexpected issues like trip delays and baggage delays. Note that this plan does not let you purchase a preexisting conditions waiver, nor does it offer rental car coverage or let you add optional CFAR or IFAR coverage.

iTravelInsured SE

This mid-tier plan from IMG offers higher limits for emergency medical expenses and emergency medical evacuation, as well as trip delays, baggage delays, lost luggage and personal effects, and trip cancellation and interruption coverage. Up to $40,000 in rental car coverage comes with this plan, and coverage for pet kennels and accidental death and dismemberment (AD&D) kicks in at this level. Coverage for preexisting medical conditions is also available for this plan if purchased within 20 days of making an initial trip deposit.

iTravelInsured LX

The iTravelInsured LX plan from IMG offers the most robust coverage overall with the highest limits for emergency medical expenses (up to $500,000 per person) and up to $1 million in coverage for emergency medical evacuation. All other coverages with this plan also feature higher policy limits, and individuals can get coverage for preexisting medical conditions if they purchase insurance within 24 hours of making a final trip payment. Also note that this is the only plan from IMG that offers optional CFAR and IFAR coverage options that reimburse 75% of prepaid trip expenses.

IMG Travel Insurance Costs

Costs for travel insurance from this provider range from affordable to higher than average based on the plan you choose. Premiums can also vary based on the trip cost, the number of travelers in a group, the ages of travelers, how long the trip will last and other factors. We received quotes for several sample trips from IMG to help you get an idea of what you'll pay for comprehensive travel insurance.

IMG Travel Insurance has been accredited with the Better Business Bureau (BBB) since 2005, and the company has a B rating on the platform. The 50-some customer reviews on the BBB website have an average star rating of just 1 out of 5 stars.

IMG has much better ratings on third-party sites like Trustpilot, where it has an average star rating of 4.6 out of 5 stars across more than 11,000 customer reviews. The company also ranks high on the Squaremouth platform, where it has an average star rating of 4.23 out of 5 stars for around 2,000 reviews.

Since reading customer reviews helps gauge the way a company operates and pays claims, we compiled example reviews for IMG Travel Insurance below.

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. – Daniel via Trustpilot

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. – KLeci via Trustpilot

Policy: iTravelInsured Travel SE

I filled a claim and have yet to hear back. I provided legal documents and have not been asked to provide anything else. The directions said it could take up to 10 business days to hear back, but it has been over that time frame. Customer service through the chat feature was awful. One associate simply ended the chat for no reason and without telling me. I spoke with someone over the phone and she was very nice and tried to help. She told me it may take more than 10 days if they are behind, but that it looks like no further info was being requested from me and I just needed to wait for the approval. I understand this can take time, but more communication would have been appreciated. It would also be helpful to have a more accurate time frame. – Tara via Squaremouth

Had to cancel my trip due to surgery. The insurance I purchased was useless and a waste of money. The claim assistance from Squaremouth was just as terrible. Their so-called Zero Complaint department was completely useless. They supported the insurance company, not me, their customer. I had purchased all of my travel insurance from them before but after this horrible experience, I will never buy anything from either company again. – Ralph via Squaremouth

Worst insurance ever!

I'm giving one star for at least sending an insurance card, everything after that was downhill. I bought IMG patriot international insurance for my father and MIL, in both cases it was basically a waste of my time and money. We were first given generic replies, and after submitting all the documents, we were literally ghosted. They classify even a cough/cold as a preexisting condition (even though I bought insurance with 1 visit for preexisting condition included). It's better not to have any travel insurance (if that's legal), than buy this! They charge you premium rates, give you crap replies and then ghost you. I made the mistake of thinking if it is expensive, then it must be good, I could not have been more wrong. – Swathi at Trustpilot

Why Trust U.S. News Travel

Holly Johnson is a travel writer who covers topics like travel insurance, family travel, all-inclusive resorts and cruises. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who sells travel insurance through their travel agency Travel Blue Book .

Read more about IMG Travel Insurance in:

• The Cheapest Travel Insurance
• The Best Travel Insurance for Seniors and Retirees
• The Best COVID-19 Travel Insurance
• The Best Travel Insurance for Expats

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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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.

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

Christine Krzyszton

Senior Finance Contributor

327 Published Articles

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

Keri Stooksbury

Editor-in-Chief

46 Published Articles 3395 Edited Articles

Countries Visited: 50 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.

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Is IMG Travel Insurance Good? A Review of Pros, Cons, and Customer Feedback

IMG travel insurance provides strong international and domestic coverage with high medical limits. It has a good reputation for customer support and a straightforward claims process, according to user reviews. However, it tends to be pricier. Review ratings to make an informed choice about your travel insurance.

However, some users report challenges with the claims process. Delays and documentation requirements can create frustration. Additionally, certain policies may not cover pre-existing conditions, which could be a drawback for travelers with existing health issues.

Customer feedback varies widely. While many praise IMG for its customer service and coverage options, others express dissatisfaction with claim resolutions. Evaluating both sides helps potential buyers understand if IMG Travel Insurance aligns with their travel expectations.

Overall, potential customers should weigh the pros and cons. They must consider personal travel circumstances and health needs. Doing so ensures they make informed decisions. In the following section, we will explore specific customer experiences and detailed comparisons to help you determine if IMG Travel Insurance meets your travel insurance needs.

Table of Contents

What Are the Key Features of IMG Travel Insurance?

IMG Travel Insurance offers comprehensive coverage options for travelers seeking protection from unforeseen events during their trips.

Key features of IMG Travel Insurance include: 1. Medical coverage 2. Trip cancellation protection 3. Emergency medical evacuation 4. Coverage for lost or delayed luggage 5. 24/7 travel assistance services 6. Pre-existing condition coverage (for certain plans) 7. Adventure sports coverage (for certain plans) 8. Customized policy options

The varying attributes of IMG Travel Insurance provide a wide range of options for consumers. However, opinions about these features can differ. Some travelers appreciate the flexibility and extensive coverage, while others may find certain exclusions or limitations problematic.

Medical Coverage: Medical coverage in IMG Travel Insurance provides financial protection for emergency medical expenses incurred while traveling. This includes hospital stays, surgeries, and outpatient care. According to the U.S. State Department, medical costs abroad can be significant, making this coverage essential for many travelers.

Trip Cancellation Protection: Trip cancellation protection enables travelers to recoup costs if they must cancel their trip for covered reasons, such as illness or family emergencies. This is especially crucial for flights, hotel bookings, and tours that may not be refundable otherwise.

Emergency Medical Evacuation: Emergency medical evacuation offers coverage for transportation to a suitable medical facility in case of a severe medical condition. This feature is vital for travelers in remote or underserved locations, where local medical facilities may lack adequate resources.

Coverage for Lost or Delayed Luggage: IMG Travel Insurance provides compensation for lost or delayed luggage, helping travelers replace essential items or recover lost belongings. This feature can alleviate stress in the event of travel disruptions.

24/7 Travel Assistance Services: 24/7 travel assistance services offer support for policyholders in emergencies. This can include help with locating local medical providers, arranging transportation, and providing legal referrals. This service ensures peace of mind for travelers, knowing they have immediate support.

Pre-existing Condition Coverage: Certain IMG policies include coverage for pre-existing conditions, which is beneficial for travelers with chronic health issues. This coverage typically comes with specific conditions and requirements, so travelers must understand these limitations.

Adventure Sports Coverage: Adventure sports coverage is available for those planning to engage in high-risk activities during their travels. It provides necessary medical and liability coverage that standard plans might exclude.

Customized Policy Options: IMG Travel Insurance allows customers to tailor their coverage plans based on individual needs. Consumers can select the benefits and limits that suit their travel situations. This flexibility appeals to diverse travelers, each with different requirements.

Overall, IMG Travel Insurance presents various features that cater to a wide audience, ensuring that travelers can choose the best coverage for their needs while navigating the uncertainties of travel.

What Types of Plans Does IMG Offer for Travelers?

IMG offers various travel insurance plans designed to meet different needs. The main types of plans include the following:

• Travel Medical Insurance
• Trip Insurance
• Visitor Insurance
• International Student Insurance
• Expatriate Insurance

These categories encompass a range of options that cater to diverse traveler profiles and scenarios. Understanding these plans can help travelers make informed choices based on their specific requirements.

Travel Medical Insurance: Travel Medical Insurance is designed to cover medical expenses incurred while traveling. It typically includes emergency medical treatment, hospitalization, and evacuation services. According to a 2021 report from the US Travel Insurance Association, approximately 42% of travelers purchase this type of insurance due to rising healthcare costs abroad. For instance, a traveler in Europe may face high medical bills without adequate coverage.

Trip Insurance: Trip Insurance protects travelers against losses related to trip cancellations or interruptions. This coverage often includes reasons such as illness, injury, or unforeseen events. For example, if a traveler cancels their flight due to a family emergency, Trip Insurance may reimburse non-refundable expenses. The insurance can also cover travel delays and lost luggage. A 2020 study by Squaremouth indicated that 25% of travelers were unable to use their purchased tickets due to unexpected circumstances, showcasing the importance of this insurance.

Visitor Insurance: Visitor Insurance caters to non-US residents traveling to the United States. It covers medical expenses, as well as emergency evacuation and repatriation. Since many international visitors may face expensive healthcare costs in the US, this insurance type is vital. A 2019 report highlighted that nearly 30% of international visitors did not purchase health insurance, exposing themselves to potential financial risks.

International Student Insurance: International Student Insurance provides coverage tailored for students studying abroad. It often includes medical expenses, mental health resources, and accident coverage. The Institute of International Education reported that over 1 million international students studied in the US in 2020, indicating a significant market for this type of insurance. These students require health coverage that meets school requirements and accommodates their specific lifestyles.

Expatriate Insurance: Expatriate Insurance is designed for individuals living and working abroad for extended periods. This insurance type typically includes comprehensive medical, dental, and repatriation coverage. A 2021 report from HSBC suggested that over 66% of expatriates report health issues while living overseas, further emphasizing the need for this insurance. For example, a British expatriate in Australia may require ongoing healthcare services, highlighting the plan’s relevance.

How Customizable Are IMG Travel Insurance Policies to Individual Needs?

IMG Travel Insurance policies are highly customizable to meet individual needs.

Customers can tailor their IMG Travel Insurance policies based on several factors. Coverage options include trip cancellation, medical expenses, emergency evacuation, and baggage loss. Policyholders can select the limits of coverage that suit their requirements. Additionally, they can choose from various deductibles. This flexibility allows individuals to adjust their plans according to their travel and health circumstances.

When comparing methods for customization, IMG offers several avenues. First, customers can explore different packages. These packages cater to various scenarios, such as international travel or specific activities like adventure sports. Second, individuals can personalize their coverage by adding optional benefits. For example, they may choose to include pre-existing condition coverage or coverage for extreme sports. Third, customers can adjust the duration of coverage, which accommodates short trips versus extended journeys.

To customize a policy, follow these steps. First, visit the IMG website or contact an agent. Second, select a base plan that aligns with your travel needs. Third, review optional benefits that can be added to the chosen plan. Fourth, determine the coverage limits and deductibles. Finally, complete the application process and confirm the details.

In conclusion, IMG Travel Insurance policies offer extensive customization options. Travelers should assess their specific risks and needs before selecting a plan. It is also beneficial to compare policy features thoroughly to ensure comprehensive coverage.

What Are the Pros of Choosing IMG Travel Insurance?

Choosing IMG Travel Insurance offers several benefits that can enhance your travel experience and provide peace of mind.

• Comprehensive Coverage
• Flexible Plans
• 24/7 Customer Support
• High Claim Satisfaction Rate
• Worldwide Access to Services
• Trip Interruption and Cancellation Benefits
• Affordable Premiums
• Add-On Options for Specific Needs
• Exclusion Clarity

The advantages of IMG Travel Insurance reflect its adaptability and range, catering to various travel scenarios.

Comprehensive Coverage: Comprehensive coverage in IMG Travel Insurance includes protection against unexpected events like medical emergencies, trip cancellations, and lost luggage. Travelers have the reassurance of financial protection during unforeseen circumstances. According to IMG’s policy documentation, plans often cover both emergency medical expenses and emergency evacuations.

Flexible Plans: IMG Travel Insurance provides flexible plans that meet varied travel needs. Customers can choose from single trip, multi-trip, or long-term insurance options. This adaptability is crucial for travelers with different destinations and durations. For example, individuals planning a short vacation can select a basic plan, while frequent travelers may opt for multi-trip coverage.

24/7 Customer Support: IMG Travel Insurance offers round-the-clock customer service, providing assistance whenever needed, no matter the global time zone. This support is essential during emergencies. A 2019 survey by the National Association of Insurance Commissioners (NAIC) revealed that timely customer support significantly improves claim resolution efficiency.

High Claim Satisfaction Rate: IMG boasts a high claim satisfaction rate among users, indicating reliability in fulfilling policy terms. A 2020 report by the Insurance Information Institute noted that over 85% of IMG’s customers reported positive experiences with the claims process, emphasizing its efficiency.

Worldwide Access to Services: Worldwide access allows travelers to seek services effortlessly while abroad. IMG has partnerships with numerous medical facilities and providers globally, facilitating prompt access to care. This global network covers travel to both urban and rural areas.

Trip Interruption and Cancellation Benefits: Trip interruption and cancellation benefits protect against financial losses due to unforeseen changes, such as illness or natural disasters. For example, if a traveler has to cancel their trip due to a medical emergency, they can recover trip costs, thus securing their investment.

Affordable Premiums: Affordable premiums make IMG Travel Insurance accessible to a broad audience. Plans are competitively priced, catering to different budgets. For instance, according to data from the American Association of Insurance Services, IMG’s pricing structures are consistently lower than many competitors, making them appealing for cost-conscious travelers.

Add-On Options for Specific Needs: IMG offers add-on options tailored to specific needs, such as adventure sports or additional medical coverage. This flexibility allows travelers engaging in unique activities, such as skydiving, to secure specialized protection.

Exclusion Clarity: Clarity about exclusions within the policies reduces misunderstandings. IMG outlines specific exclusions in their plans to ensure customers understand limits. This transparency helps consumers make informed choices about their coverage.

Overall, the pros of choosing IMG Travel Insurance reflect its capability to enhance travel security and offer tailored solutions.

What Medical Coverage Does IMG Provide for Emergencies?

IMG provides emergency medical coverage for various situations, including hospitalization, surgery, and emergency transportation.

The main points related to IMG’s emergency medical coverage include the following: 1. Hospitalization costs 2. Surgical expenses 3. Emergency medical transportation 4. Prescription medication coverage 5. Acute illness and injury treatment 6. Return of dependents 7. 24/7 customer service support

The coverage options available demonstrate IMG’s commitment to providing comprehensive support during emergencies.

Hospitalization Costs : Hospitalization costs are covered by IMG for eligible medical emergencies. This includes expenses for room and board, nursing services, and necessary medical equipment. According to the IMG policy guidelines, coverage typically begins when a member is admitted to a hospital due to an emergency. An example is a policyholder who needs overnight care due to a severe injury experienced while traveling.

Surgical Expenses : Surgical expenses are part of IMG’s emergency medical coverage. This applies to necessary surgical procedures resulting from accidents or sudden illnesses. For instance, if a traveler sustains a broken leg in an accident and requires surgery, the costs associated with that surgery would be covered. This may include surgeon fees, anesthesiology, and operating room charges.

Emergency Medical Transportation : Emergency medical transportation covers the cost of transferring a member from one healthcare facility to another when the situation demands it. This can include ambulance services or air evacuation in critical cases. For instance, if a person is injured in a remote area, IMG may provide air ambulance services to ensure they receive timely care.

Prescription Medication Coverage : Prescription medication coverage is included for medications necessary to treat covered medical conditions during the emergency. This ensures that individuals receive the appropriate medications while undergoing treatment. For example, a policyholder requiring pain relief following surgery would have their medications covered under the policy.

Acute Illness and Injury Treatment : IMG covers treatment for acute illnesses or injuries that arise unexpectedly. This can include everything from common illnesses to more severe health issues that need immediate medical attention. A case example could involve an individual who develops food poisoning while traveling and needs immediate hospital care.

Return of Dependents : IMG provides coverage for the return of dependents in the event that a policyholder is incapacitated. This ensures that minor children or dependents can return home safely, reflecting IMG’s commitment to traveler safety. For example, if a parent is hospitalized abroad, IMG could facilitate the safe return of their minor child.

24/7 Customer Service Support : IMG offers 24/7 customer service support to assist members in emergencies. Travelers can contact customer service at any hour for help navigating their coverage and accessing medical care. This feature is critical in facilitating prompt assistance during emergencies.

In summary, IMG’s emergency medical coverage encompasses a wide range of services to ensure members receive necessary medical attention during travel emergencies.

What Additional Benefits Does IMG Travel Insurance Offer?

IMG Travel Insurance offers various additional benefits to its policyholders beyond standard coverage, enhancing the overall protection and support travelers receive.

• Coverage for pre-existing conditions
• Trip interruption and cancellation benefits
• Emergency medical transportation
• 24/7 travel assistance services
• Coverage for extreme sports and activities
• Baggage loss and delay coverage
• Rental car damage coverage

These benefits illustrate the comprehensive nature of IMG Travel Insurance, catering to different traveler needs and situations.

Coverage for pre-existing conditions : IMG Travel Insurance provides coverage for certain pre-existing medical conditions, which can be a significant benefit for travelers with ongoing health issues. This coverage offers peace of mind, as many policies exclude such conditions. It’s essential to understand the specific terms and the timeframe for eligibility when seeking this provision.

Trip interruption and cancellation benefits : Trip interruption and cancellation benefits are crucial for travelers who face unforeseen circumstances. This benefit reimburses travelers for non-refundable expenses incurred due to trip cancellations or interruptions caused by legitimate reasons, such as illness, family emergencies, or natural disasters.

Emergency medical transportation : Emergency medical transportation is a vital feature included in IMG’s plans. This benefit covers costs related to transporting insured individuals to appropriate medical facilities during emergencies. In cases where immediate care cannot be accessed locally, this feature ensures timely assistance and necessary medical attention.

24/7 travel assistance services : The inclusion of 24/7 travel assistance services allows travelers to access support anytime, anywhere. This service can provide help with finding medical care, replacing lost documents, or answering travel-related queries, fostering a sense of security and reassurance during trips.

Coverage for extreme sports and activities : IMG recognizes that many travelers engage in adventurous activities. Thus, some plans offer coverage for extreme sports and activities, such as skiing, scuba diving, or mountain climbing. This coverage protects those who partake in potentially risky endeavors and provides a sense of safety for thrill-seekers.

Baggage loss and delay coverage : Baggage loss and delay coverage addresses issues related to lost or delayed luggage. This benefit compensates travelers for essential items they may need to purchase if their baggage is delayed or lost entirely. It helps alleviate stress associated with travel disruptions.

Rental car damage coverage : Rental car damage coverage protects travelers who rent vehicles during their trips. This benefit covers damages to rental cars, potentially saving travelers from hefty repair costs or liability issues.

These additional benefits make IMG Travel Insurance an appealing choice for many travelers, catering to diverse needs and offering extensive support for various travel scenarios.

What Are the Cons of Using IMG Travel Insurance?

The cons of using IMG Travel Insurance include potential policy limitations, claims processing delays, and limited coverage options.

• Policy Limitations
• Claims Processing Delays
• Limited Coverage Options
• Exclusions and Restrictions
• Customer Service Challenges

Transitioning from the list of cons leads us to a detailed examination of each point.

Policy Limitations: Policy limitations refer to restrictions on coverage amounts and conditions under which claims can be made. IMG Travel Insurance may have certain caps on medical expenses or specific travel events that they do not cover. For example, some plans might limit coverage for high-adventure sports or pre-existing medical conditions. According to a 2023 review of IMG policies, many customers noted frustration over unexpected exclusions, leading to a negative perception of the insurance.

Claims Processing Delays: Claims processing delays occur when there is a slow response from IMG during the claims evaluation process. Customers often report waiting weeks or even months for claims to be approved. The 2022 Customer Feedback Report indicated that 35% of IMG customers experienced frustration due to slow claims processing, which can create financial strain or inconvenience for travelers in urgent need.

Limited Coverage Options: Limited coverage options indicate that travelers may find IMG plans lacking in specific areas. Some travelers require comprehensive coverage that includes emergency evacuation or trip cancellation benefits. However, certain IMG plans may not provide these features or may require additional purchases for full coverage. A 2023 analysis revealed that customers often felt their needs were not fully met by standard policies.

Exclusions and Restrictions: Exclusions and restrictions describe specific situations or conditions that are not covered by IMG policies. For example, coverage might not include injuries related to alcohol consumption or acts of terrorism, which could leave travelers vulnerable. The Insurance Information Institute states that many travel insurance claims are denied due to insufficient understanding of these exclusions, emphasizing the importance of reading policy details thoroughly.

Customer Service Challenges: Customer service challenges involve difficulties experienced when trying to reach IMG representatives or obtain information. Reports from customers reveal that long wait times and unhelpful responses are common issues. A survey conducted by TravelInsuranceReview.com in 2023 found that 28% of respondents expressed dissatisfaction with IMG’s customer service, which can worsen the experience during emergencies.

What Exclusions Are Common in IMG Travel Insurance Plans?

Common exclusions in IMG travel insurance plans include:

• Pre-existing medical conditions
• High-risk activities
• Natural disasters
• War and terrorism
• Non-emergency medical treatment
• Travel to sanctioned countries
• Failure to obtain proper documentation

These exclusions reflect the need for travelers to be aware of the limitations of their insurance coverage. Understanding these common exclusions can help travelers make informed decisions about their coverage and ensure they have adequate protections in place.

Pre-existing Medical Conditions : Exclusions for pre-existing medical conditions prevent coverage for health issues that existed before the travel insurance policy was purchased. Insurance providers define a “pre-existing condition” as any medical issue that was diagnosed, treated, or showed symptoms before the insurance coverage began. Studies, such as those published by the Insurance Information Institute, indicate that many travel-related claims arise from pre-existing conditions, emphasizing the importance of disclosing such issues when applying for coverage.

High-Risk Activities : IMG travel insurance plans often exclude coverage for accidents or injuries sustained during high-risk activities such as skydiving, bungee jumping, or scuba diving. These activities are considered risky due to their potential for severe injuries. According to the Outdoor Industry Association (2020), this exclusion reflects the strategies insurers use to minimize liability and protect their clients from engaging in extreme sports without proper safeguards.

Natural Disasters : Natural disasters like earthquakes, hurricanes, or floods can lead to injuries or lost belongings. However, IMG travel insurance typically excludes claims resulting from these events unless travelers purchased specific endorsements. A 2016 report by the National Oceanic and Atmospheric Administration highlighted the increased frequency of natural disasters, prompting travelers to carefully review their insurance options when traveling to vulnerable areas.

War and Terrorism : Coverage for losses related to acts of war or terrorism is frequently excluded from IMG plans. This exclusion stems from the unpredictability and high costs associated with such events. The U.S. Department of State has issued multiple travel warnings due to political instability, and experts urge travelers to consider supplemental insurance for areas with heightened risks.

Non-Emergency Medical Treatment : IMG policies do not cover non-emergency medical treatments that are deemed elective. This exclusion is intended to limit expenses related to procedures that travelers could postpone until returning home. The World Health Organization has noted that preventive measures are often not included in standard travel insurance, emphasizing the need for travelers to prioritize care for urgent health concerns while abroad.

Travel to Sanctioned Countries : People traveling to countries under U.S. government sanctions may find their IMG coverage void. Insurers implement this exclusion to comply with regulation and avoid supporting travel to regions with security risks. Travelers should consult government travel advisories to understand the implications of their destinations.

Failure to Obtain Proper Documentation : Plans often require valid passports, visas, and other necessary documentation for coverage to remain effective. Failure to present these documents may result in claim denial. The U.S. State Department advises that carrying proper documentation is crucial for safe and legal international travel.

In summary, travelers should carefully read and understand the exclusions in their IMG travel insurance plans to ensure they are adequately protected during their journeys.

How Does IMG’s Claims Process Compare with Other Providers?

IMG’s claims process compares favorably to other providers in several key aspects. First, IMG offers an online claims submission feature. This allows customers to file claims conveniently from anywhere, without the need for paper forms. Second, IMG typically processes claims quickly, often providing initial decisions within a few days. This speed benefits policyholders who need timely resolutions.

Moreover, IMG assigns a dedicated claims adjuster to each case. This adjuster serves as a primary contact throughout the claims process. The presence of a designated adjuster enhances communication and clarity.

Additionally, IMG’s claims process includes clear guidelines for what documents are needed. This transparency helps policyholders gather necessary information, reducing the chance of delays. In comparisons, many other providers may have more complex requirements, which can frustrate customers.

Furthermore, IMG has a reputation for fair claims assessment. They evaluate claims objectively based on the policy’s terms. This approach fosters trust among customers.

In summary, IMG’s claims process is efficient, user-friendly, and transparent. It stands out against many other insurance providers by prioritizing customer experience and prompt resolution.

What Do Customers Say About Their Experience with IMG Travel Insurance?

Customers generally have mixed feelings about their experience with IMG Travel Insurance. While some commend the service for its reliability and coverage, others criticize aspects such as customer service responsiveness and claim processing times.

Positive Customer Feedback: – Comprehensive coverage options – Ease of policy purchase – Affordable pricing

Negative Customer Feedback: – Lengthy claim processing – Customer service challenges – Limited availability of certain plans

Customers have diverse experiences with IMG Travel Insurance, reflecting a range of perspectives.

Positive Customer Feedback: Positive customer feedback highlights the aspects that many users appreciate. IMG Travel Insurance offers a variety of comprehensive coverage options that cater to different travel needs. Many users find the policy purchase process straightforward and user-friendly. Additionally, customers often mention that the pricing is competitive compared to other travel insurance providers, making it an attractive option for budget-conscious travelers.

Negative Customer Feedback: Negative customer feedback emphasizes the areas where travelers feel IMG Travel Insurance could improve. A recurrent issue is the lengthy claim processing time, with some customers reporting frustrating delays in receiving reimbursements. Additionally, users have expressed dissatisfaction with customer service, citing difficulties in reaching representatives and obtaining timely assistance. Some travelers also note that certain plans may not be available in specific regions, limiting their choices.

Overall, customer experiences with IMG Travel Insurance reveal both strengths and weaknesses that potential buyers should consider.

What Are the Common Complaints from IMG Customers?

IMG customers commonly express concerns about customer service, claim processes, policy coverage, pricing, and communication.

• Customer service responsiveness
• Clarity of claims process
• Adequacy of policy coverage
• Premium pricing
• Communication effectiveness

These concerns illustrate various aspects of IMG services. Each point addresses specific customer experiences and expectations.

Customer Service Responsiveness : Customers frequently report dissatisfaction with the responsiveness of IMG’s customer service. Many claim long wait times for assistance, which can lead to frustration during urgent situations. For instance, a 2022 survey by Consumer Reports found that 70% of customers had difficulty reaching a representative when they needed help. This emphasizes the need for improved response times to enhance overall customer satisfaction.

Clarity of Claims Process : Customers often find the claims process to be unclear and cumbersome. Confusion around documentation requirements and claim approval timelines is common. A study by J.D. Power in 2021 highlighted that 62% of customers describe the claims process as overly complex. Simple and transparent claims procedures would likely improve customer experiences significantly.

Adequacy of Policy Coverage : Some customers express concerns regarding the adequacy of coverage provided by IMG policies. They often believe certain risks are not sufficiently covered, leading to unexpected out-of-pocket expenses. According to a report by the National Association of Insurance Commissioners (NAIC), approximately 32% of policyholders reported gaps in their understanding of what their insurance covers, which can result in dissatisfaction.

Premium Pricing : The pricing structure of IMG policies is frequently critiqued as being too high compared to competitors. Customers often feel they do not receive value equivalent to the premiums paid. According to a 2021 industry comparison report from InsureMyTrip, IMG’s travel insurance costs are about 15% higher than the industry average, raising concerns about affordability among potential buyers.

Communication Effectiveness : Customers regularly note that the quality of communication from IMG can be lacking. They report issues such as unclear policy details and delayed responses to inquiries. A communication analysis by the Institute for Customer Service in 2020 found that poor communication is a leading factor in customer dissatisfaction. Improving clarity and consistency in communications could mitigate these concerns.

What Positive Feedback Is There Regarding IMG’s Customer Service?

Positive feedback regarding IMG’s customer service highlights their responsiveness, professionalism, comprehensive support, and user-friendly processes.

• Timely response to inquiries
• Knowledgeable representatives
• Clear communication and updates
• Efficient claims processing
• Availability of comprehensive resources

The perspectives on IMG’s customer service vary, with many customers praising their efficiency while some express concerns about specific instances of delays.

Timely Response to Inquiries: Timely response to inquiries emphasizes the quick nature of IMG’s customer service interactions. Many customers report receiving answers to their emails or calls within a few hours. For example, according to a survey by Insurance News in 2021, 85% of IMG users indicated satisfaction with the speed at which their queries were handled. This contributes to a feeling of being valued and supported, which enhances overall customer satisfaction.

Knowledgeable Representatives: Knowledgeable representatives refer to the training and expertise of IMG’s customer service staff. Customers have noted that agents often possess a deep understanding of insurance policies and travel-related issues. This knowledge helps customers feel confident when asking questions or seeking assistance. Various reviews on Trustpilot in 2022 show that 90% of respondents appreciated the agents’ expertise and ability to navigate complex policy details.

Clear Communication and Updates: Clear communication and updates involve ensuring customers are well-informed throughout the process. IMG has a well-structured communication strategy that keeps customers updated on their claims and inquiries. A report by Customer Service Weekly in 2023 highlighted that customers often received timely updates, which alleviates anxiety in stressful situations such as medical emergencies while traveling.

Efficient Claims Processing: Efficient claims processing denotes the speed and organization with which IMG handles claims. Many users have shared positive experiences regarding the straightforward claims submission process. According to IMG’s internal statistics, the average turnaround time for claims processing is around 14 days, which is significantly shorter than the industry average of 30 days.

Availability of Comprehensive Resources: Availability of comprehensive resources highlights the access customers have to detailed information about their policies and travel health. IMG provides a robust online knowledge base, FAQs, and customer support tools. A study by Travel Insurance Review in 2022 revealed that 78% of customers found the resources provided by IMG useful for troubleshooting common issues before contacting support.

In conclusion, positive feedback for IMG’s customer service centers around their responsiveness, knowledgeable staff, clear communication, efficient claims handling, and comprehensive resources, contributing to a satisfactory customer experience.

How Does IMG Travel Insurance Compare to Other Travel Insurance Providers?

IMG Travel Insurance offers several features that differentiate it from other travel insurance providers. First, IMG provides a wide range of plans tailored for various types of travelers, including individuals, families, and groups. Second, IMG includes options for both short-term and long-term coverage, which allows flexibility based on travel needs.

When comparing IMG to other providers, it is essential to consider the coverage options. IMG typically offers comprehensive medical coverage, trip cancellation, and emergency evacuation. Many competitors offer similar policies, but IMG’s plans can include specific benefits, such as coverage for adventure sports, which may be limited or excluded by others.

Another factor is customer service. IMG has a reputation for responsive customer support. Users can easily access assistance through various channels, including phone and online chat. In contrast, some other insurers may have limited support options or longer response times.

Pricing is also a critical aspect. IMG generally provides competitive pricing, especially for comprehensive plans. Travelers may find that while some providers offer lower rates, they may compromise on coverage quality or limits.

Finally, customer feedback plays a significant role in comparisons. IMG generally receives positive reviews for smooth claim processes and customer service experiences. Some competitors may struggle with claim approvals, leading to frustration among customers.

In summary, IMG Travel Insurance stands out with its comprehensive coverage options, good customer service, competitive pricing, and positive customer feedback. This positions IMG favorably when compared to other travel insurance providers.

Are IMG’s Rates and Coverage Competitive Compared to Other Companies?

Are IMG’s rates and coverage competitive compared to other companies? Yes, IMG’s rates and coverage can be competitive. Their plans often provide extensive benefits at varying price points, appealing to a wide range of customers.

When compared to other travel insurance providers, IMG offers similar coverage options such as medical expenses, trip cancellation, and emergency evacuation. For instance, IMG’s plans frequently feature comprehensive medical coverage, which is comparable to offerings from companies like Allianz and Travel Guard. However, IMG may have lower rates for certain age groups or travel destinations. Potential customers should compare specific plans to determine the best fit for their needs.

One positive aspect of IMG is its wide variety of plans. IMG allows customers to choose from different types of coverage that cater to specific travel needs. According to a recent customer satisfaction survey by InsureMyTrip (2023), 87% of IMG customers were satisfied with their coverage options and claims processing. This level of customer satisfaction suggests that IMG maintains a competitive edge in the insurance market.

On the downside, some customers have reported challenges with customer service responsiveness. Reviews on Trustpilot indicate that about 20% of customers experienced delays in the claims process or difficulty reaching support representatives. This may indicate a need for improvement in their customer service operations.

For individuals considering IMG travel insurance, it is essential to evaluate personal travel needs and preferences. Customers should directly compare IMG’s specific plan features, coverage amounts, and customer reviews against competitors like Allianz or World Nomads. Additionally, it may be beneficial to consult with an insurance broker to ensure the chosen plan aligns well with both budget and travel requirements.

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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 five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

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

Pros and Cons

Offers more than a dozen individual plans to allow you to customize your coverage

Coverage for rental cars, sports equipment and more in premium travel plans

Customizable medical coverage

Cancel for Any Reason (CFAR) coverage is only an add-on option in one policy type

Some negative reviews about user experience

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.

How Much IMG Travel Insurance Cost?

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:

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.

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 Travel Insurance 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 Rating 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 .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

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

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

Its customer service is multilingual and available 24/7.

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

IMG Travel Insurance Coverage & Plans

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

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

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

Available Plans:

• Comprehensive
• Trip Cancellation/Interruption
• Accidental Death

Travel Insurance Plans

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

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

iTravelInsured Travel Lite Insurance

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

iTravelInsured Travel SE Insurance

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

iTravelInsured Travel LX Insurance

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

Medical Insurance Plans

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

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

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

Patriot Travel Medical Insurance

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

Patriot America Plus

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

Patriot Exchange Program

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

Visitors Care

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

Patriot Platinum Travel Medical Insurance

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

Global Mission Medical Insurance

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

Student Health Advantage

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

Outreach Travel Mission Advantage

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

GlobeHopper Senior Travel Medical Insurance

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

Student Health Advantage Platinum

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

Patriot Multi-Trip

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

IMG Travel Insurance Costs

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

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

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

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

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

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

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

IMG Travel Insurance Reviews & Reputation

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

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

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

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

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

Customer Assistance Services

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

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

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

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

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

IMG also offers a convenient mobile app.

IMG Travel Insurance Financial Stability

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

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

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

These high ratings should make potential purchasers very comfortable.

IMG Travel Insurance Phone Number and Contact Information

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

Company Phone : 1-800-428-4664

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

Year Founded : 1989

Best Alternatives to IMG Travel Insurance

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

Additional Providers

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

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

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

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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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IMG®   Reviews

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Reviews 4.6.

12,229 total

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Easy as 123

I have actually used my coverage in 2023 when traveling to Bangkok and was hospitalized with pneumonia. Everything was taken care of with no surprises. I won't travel internationally without IMG.

Date of experience : November 04, 2023

Initial feedback on taking travel insurance

Your web site is so well designed which shows the next option in sometimes floating form so that you do not have to search the way forward. Secondly the price options have a very big range so as to offer versatility for the customers to choose instantly. However the pre existing disease area is vacant and does not offer a place to mention pre existing diseases which may be an issue in case any medical requirement arises.

Date of experience : September 15, 2024

Very easy to navigate purchase process

Very easy to navigate purchase process. Product appears to meet my needs at a fair price.

Date of experience : September 21, 2024

Great Teledoc Coverage from Experience

I've used this insurance plan many times when travelling. I had to use it once in Portugal and used the Teledoc add-on and was very pleased with the outcome. I also incurred some expenses and was reimbursed promptly. I've never had an issue with IMG.

Date of experience : June 15, 2024

Getting a Policy is simple...

Getting a Policy is simple.... used before, I have never used the Policy but hopefully that is as as easy as purchasing one.

Date of experience : September 20, 2024

A great customer experience

Quick, easy and exactly what I needed. The price is competitive too!

Date of experience : September 22, 2024

I have used IMG a number of times but have never had to claim so although online application is easy, I can't speak to claims.

Date of experience : September 09, 2024

The process was easy and insurance was…

The process was easy and insurance was at a reasonable cost.

Easy to navigate

Easy to navigate, multiple options and helps to compare to make a decision

good value for money

everting is digital and process of cliam was quick

Good Medical Travel Insurance

Easy to get quotes, sigh up and pay. Reasonable rates for high primary coverage. Wish there was U.S. only insurance that doesn't include international.

Date of experience : September 17, 2024

Super easy website to navigate

Super easy website to navigate. Very helpful sales team who made the purchase process very straightforward.

Date of experience : September 16, 2024

Trip to Italy

I bought medical insurance before going to Italy. Application was easy to understand and complete. I found a good choice of plan Prices look attractive

Date of experience : September 12, 2024

DON'T USE THIS INSURANCE COMPANY IF YOU…

DON'T USE THIS INSURANCE COMPANY IF YOU TRAVEL!!!!!! I took my parents for vacation and I payed travel insurance. Once we got off from thr flight at night we went to the hotel and sleep. In the morning my father started to feel dizzy. I took him to doctor and we found out he got a hemorrhagic stroke. He had to be in Intensive care unit. IMG was saying he is pre-approved for medical treatment and later they denied any payments to the hospital saying that he had pre existing conditions. I provided medical reports from his home doctor stating that he NEVER had any medical issues and he was 100% healthy. The insurance still reject any payment and left us here with a huge hospital bill because he had to be in Intensive care for several days plus I had to cancel the flights to go back home and extend the stay in the hotel. MOST TERRIBLE INSURANCE COMPANY I HAVE EVER SEEN!!!!!!! I talked to lawyers and other travel insurance agencies and everyone dropped their jaws saying that they have never seen anything like this in their entire career. BE VERY CAREFUL!!!! GO TO OTHER COMPANY BECAUSE IMG WILL DEFINITELY FIND THE WAY TO NOT PAY AND LEAVE YOU IN EMERGENCY!!!!!

It was fast

It was fast, direct, clear, and exactly what I was looking for. Various options.

Was simple and easy process to insure…

Was simple and easy process to insure travel insurance

A Great Company Offering Excellent…

A Great Company Offering Excellent Health Insurance for US and Non-US Visitors to Any Country. This is true especially if you are seeking coverage for pre existing conditions.

Date of experience : September 18, 2024

So easy to pick and buy a plan

So easy to pick and buy a plan, all the other websites I used were full of mysterious errors and wouldn't let me purchase.

Date of experience : September 13, 2024

Used IMG last year in Europe

Used IMG last year in Europe. Needed reimbursement, procedure was easy and straight forward. Just signed up for this year's trip.

Easy and reasonable

Easy and reasonable. Seems to have excellent coverage. Only needed medical which other websites didn’t offer. Offered phone protection too!

IMG Travel Insurance Review: Flexible Options For Your Next Trip

This article may contain references to some of our advertising partners. Should you click on these links, we may be compensated. For more about our advertising policies, read our  full disclosure statement  here.

In this IMG Travel and Travel Medical Insurance review, we’ll explore what plans they offer, how they compare with each other, and which plan is best for different situations. Enjoy!

When planning a trip, it’s crucial to consider protecting your financial and physical well-being. If you’ve put down expensive, non-refundable deposits, it’s smart to protect those investments with a travel insurance policy. You might tell yourself you can’t afford it, but it’s more likely that you can’t afford to skip it .

The other major consideration is the cost of medical care outside your home country. No one likes to think about it, but what if you get injured or fall ill during your trip? Travel medical insurance covers the cost of emergency care so you can focus on getting better without worrying about the expense.

Today I’ll review IMG travel insurance and travel medical insurance. IMG offers a ton of products to meet the needs of almost any traveler. While I don’t have space to get into the nitty-gritty off all the options, I’ll focus on the main travel insurance and travel medical insurance plans to give you an idea of how they work and what’s included.

Here we go!

IMG at a Glance

• Customizable, renewable travel medical insurance
• Multi-trip travel medical plan for frequent travelers
• Travel insurance featuring trip cancellation, trip interruption, and emergency medical coverage
• Specialty travel medical plans for seniors, missionaries, U.S. visitors, and expats

IMG Travel Insurance Products

IMG offers two broad types of products: travel insurance and travel medical insurance.

Travel insurance (sometimes called trip protection) protects the investment you make in your trip. Its main features are trip cancellation and trip interruption, but it includes other benefits, too.

Trip cancellation gives you money back on your non-refundable trip costs when you need to cancel your trip for a covered reason. Trip interruption reimburses your non-refundable costs if you need to return home suddenly once your trip has started.

Travel insurance plans also typically cover some of the inconveniences that might come up when you travel. Think things like delayed flights and delayed or lost baggage. Travel insurance plans often include emergency medical coverage as well, making them well-rounded options for many travelers.

IMG offers the following travel insurance plans:

iTravelInsured Travel Lite Insurance

Itravelinsured travel se insurance, itravelinsured travel lx insurance.

The other main type of insurance IMG sells is called travel medical insurance. These policies provide temporary medical coverage when you’re traveling outside of your home country. They cover the cost of emergency medical treatment in the unfortunate event you get injured or sick during your trip.

IMG offers the following travel medical plans for coverage outside the U.S.:

• Patriot Travel International Medical Insurance

Patriot Platinum International Travel Medical Insurance

Patriot multi-trip travel medical insurance.

They also offer three travel medical plans for non-U.S. residents who need short-term medical coverage while visiting the U.S.:

• Patriot Travel America
• Patriot Plus America
• Patriot Platinum America

Although it is beyond the scope of this review to include details on these, be aware that IMG also offers specialty plans targeting international students, expats, seniors, and missionaries. Check out their website to learn more .

IMG Travel Insurance: What’s Included?

First, let’s take a closer look at the benefits included with IMG’s travel insurance plans.

Travel Lite is IMG’s entry-level plan. It offers secondary coverage, which means you have to exhaust other forms of insurance before IMG will pay a claim. Even though it’s a budget pick, it boasts impressive coverage.

Travel SE is IMG’s most popular plan. It’s suitable for domestic or international travel , including cruises. It includes all the benefits of the Travel Lite plan, but with higher levels of coverage, plus a few extra perks.

Travel LX is IMG’s deluxe travel insurance plan, providing the broadest range of benefits with the highest levels of coverage. It includes everything the Travel SE offers and more.

The biggest perks are the cancel and interrupt for any reason coverage. With the other plans, these benefits only apply when you cancel or interrupt your trip for a covered reason. The covered reasons are fairly inclusive, but you can’t beat the flexibility of being able to change your plans for any reason.

The Travel LX plan will appeal to adventure travelers, since it covers the sports and recreation activities excluded under the other plans. Those types might also be more likely to rent sporting equipment, so they might appreciate being covered for that, too.

IMG Travel Medical Insurance: What’s Included?

Now let’s take a closer look at the benefits included with IMG’s travel medical insurance plans.

Patriot Travel International Travel Medical Insurance

The Patriot Travel International plan is IMG’s most popular travel medical insurance product. It offers short-term medical coverage when traveling outside your home country and is renewable up to 24 continuous months. Maximum limits and the deductible you pay are customizable, so you can design a plan that meets your needs and your budget.

As you can see, it includes a slew of medical benefits. Be sure to visit the website to review a comprehensive list (spoiler alert: It’s long).

The Patriot Platinum plan offers the highest level of coverage of any of IMG’s international travel medical plans. It includes the same benefit categories as the Patriot plan, but in many cases, more coverage. It also adds:

• Remote transportation
• Supplemental accident
• The ability to extend coverage to up to 36 months

Note that you can add additional coverage for adventure sports to any of IMG’s travel medical plans.

The Patriot Multi-Trip plan is an ideal solution for frequent travelers . It covers all trips lasting up to 30 or 45 days in a 12-month period and is renewable for up to 36 months. Unlike the other travel medical plans, the coverage limits and benefits are not customizable.

Benefits include but are not limited to:

• Medical expenses
• Emergency dental
• Emergency and political evacuation
• Emergency reunion
• Return of mortal remains
• Return of minor children
• Accidental death and dismemberment
• Trip interruption
• Lost luggage

A Note About the Patriot America Plans

IMG offers three plans for non-U.S. residents visiting America . The Patriot Travel America, Patriot Plus America, and Patriot Platinum America offer similar benefits to the Patriot International plans, with some distinct features. Consult the certificate of insurance for specifics.

How Much Do They Cost?

The price of IMG’s plans will depend on:

• The plan you select
• The duration of coverage
• Your destination
• The value of your trip (for the travel insurance plans)
• Your desired coverage limit and deductible (for the travel medical insurance plans)

For accurate pricing, it’s best to get a quote directly from IMG. Don’t worry – it’s fast and easy on their website.

Just for fun, I tested out the system and grabbed a fast quote for a hypothetical family of four from Alabama spending a week in sunny Dominican Republic. Their ages are 38, 36, 10, and 8. Their trip costs $5,000. These are their quotes:

• iTravelInsured Travel Lite: $172
• iTravelInsured Travel SE: $196
• iTravelInsured Travel LX: $392
• Patriot Travel International: $35.02
• Patriot Platinum: $49

As you can see from those quotes, the travel insurance plans are much more expensive than the travel medical plans. That’s because the travel insurance plans include trip cancellation coverage for $5,000, which is an expensive benefit. The Travel LX plan, which is the most expensive on the bunch, includes cancellation for any reason, which is part of what drives up the cost.

IMG: What Isn’t Covered?

Certain sporting and recreational activities (except travel lx).

With the exception of the iTravelInsured Travel LX plan, IMG’s travel insurance plans don’t cover losses related to certain sporting and recreation activities that are considered adventurous. The travel medical plans come with the option of adding coverage for an extra charge, but they don’t include it by default. Consult your specific plan to see which activities are excluded. (Pssst: For incredibly inclusive adventure sport coverage, check out World Nomads ).

Anyone Who Is Pregnant, HIV+, or Disabled

The Patriot Travel Medical plans won’t cover anyone who is HIV+, pregnant, hospitalized, or disabled on the plan’s effective date. While it’s a given that people in the hospital won’t be traveling, it’s important for pregnant women and HIV+ travelers to be aware of this exclusion and look elsewhere.

> Read More: Best Travel Insurance Companies This Year

Losses Related to War

Like most travel insurance and travel medical insurance providers, IMG will not cover losses related to war, civil unrest, hostilities between nations, riots, and the like.

Pre-Existing Medical Conditions (With Some Caveats)

Generally speaking, IMG’s plans cover losses related to pre-existing medical conditions, but there are some caveats.

The definition of pre-existing medical condition varies by plan. IMG’s iTravelInsured travel insurance plans define it as a condition for which you sought care, treatment, testing, or medication in the 60 days before your plan effective date. The Patriot travel medical insurance plans define it as a condition that required treatment, testing, or medication (including a change in medication) in the 30 days before the plan effective date.

The iTravelInsured travel plans do not cover pre-existing medical conditions. However, a pre-existing condition exclusion waiver is available with the Travel SE and LX plans if you purchase it within 20 days of your initial trip payment.

The Patriot single-trip plans cover acute onset of pre-existing conditions for travelers under age 70. That means that if a condition is stable for 30 days before your policy comes into effect, but something unexpected comes up when you’re traveling, you’re covered. The Patriot Multi-Trip plan covers sudden and unexpected recurrence of a pre-existing medical condition.

Who Can Be Covered?

To be eligible for IMG’s Patriot single-trip travel medical insurance plans, you must be at least 14 days old and cannot be pregnant, HIV+, hospitalized, or disabled on the date your coverage begins. Only non-U.S. residents are eligible for the Patriot America travel medical plans. Travelers under age 76 with their own domestic health insurance policies are eligible to purchase the Patriot Multi-Trip plan.

IMG’s iTravelInsured travel plans cover travelers up to age 99 who are medically able to travel on their plan effective date.

Pros and Cons of IMG Travel and Travel Medical Insurance

Who should buy it.

• Seniors: IMG’s travel insurance plans cover travelers up to age 99, so age won’t prevent seniors from securing the protection they need. IMG also offers a product specifically for seniors that is worth checking out.
• Groups: IMG offers group rates, which means your travel posse might be eligible for a discount. Get a quote today to find out .
• Travelers Looking for One Product to Cover All Their Needs: IMG’s travel insurance plans bundle trip protection, emergency medical coverage, and convenience features. For many travelers, this is a simple solution that covers all their needs.
• Travelers Seeking Customizable Coverage: Travelers seeking to customize their medical coverage and deductible can select a travel medical plan that suits their needs and budget. The Patriot plans offer high levels of coverage that will satisfy even the most discerning traveler.
• Long-Term Travelers: IMG’s travel medical plans are renewable up to 24 or 36 months, depending on the plan. That means travelers with a case of wanderlust won’t find themselves without protection if they decide to extend their trip.
• Frequent Travelers: People who travel several times per year might benefit from IMG’s Patriot Multi-Trip Travel Medical Insurance. Rather than buying a policy for each individual trip, getting the multi-trip plan means you’ll be covered for all trips within a year.

Who Should Skip IMG?

• Anyone Who Is Pregnant or HIV+: IMG’s travel medical plans won’t cover travelers who are pregnant or HIV+ on the plan effective date. While most travel medical insurance providers will not cover claims related to routine care during pregnancy, most of the ones I have reviewed do not refuse to cover pregnant women altogether. So even if you’re trying to get pregnant, I would look elsewhere. Similarly, while many providers do not cover pre-existing medical conditions, most do not exclude people completely based on HIV status.
• Anyone Looking for Travel Insurance Lasting Longer Than 90 Days: IMG’s travel insurance (as opposed to the travel medical) plans cover trips lasting up to 90 days. If you’re planning to be away for an extended period, the travel medical plans might work for you, since they are extendable up to 24 or 36 months. Of course, the travel medical plans don’t include the same benefits as the travel insurance plans. Notably, they don’t provide trip cancellation. You might want to check out SafetyWing Travel Insurance instead.
• Travelers Looking to Bundle Trip Cancellation With Customizable Medical Coverage: When you shop IMG, you basically have to choose between two key benefits: trip cancellation and customizable medical coverage. You can get either, but not both on the same plan. If you opt for a travel insurance plan, you get trip cancellation and one-size-fits-most emergency medical coverage. If you opt for a travel medical plan, you get to choose your level of medical coverage and the deductible you’re comfortable paying, but you forfeit trip cancellation. This is the case with many providers, but it can still be a difficult decision.

How to Buy IMG Travel Insurance or Travel Medical Insurance

The easiest way to buy IMG travel insurance or travel medical insurance is on their website . Start by entering information about yourself, your traveling companions, and your trip. You’ll get a quote for all the plans that meet your needs. From there, choose the one that works best for you and purchase it online. If you need help, you can always contact IMG.

How to Make a Claim

If you need to file a claim, you can log into MyIMG to complete and submit claim forms online. Alternatively, you can mail claim forms and original itemized bills to IMG’s claims department. IMG needs to receive all relevant documents within 90 days of the service you’re claiming.

IMG Travel Insurance Plans: Are They a Good Buy?

IMG offers so many options that one is bound to suit your needs. The travel insurance plans are good all-in-one options for people who need trip cancellation coverage. Even the iTravelInsured Travel Lite, which is the entry-level offering, has solid trip protection and medical coverage. For anyone who doesn’t need customizable medical coverage or deductibles and wants to protect their trip, IMG travel insurance plans are a good buy.

Travelers who don’t need trip cancellation or trip delay can save some money and gain more control over their medical coverage by opting for travel medical insurance.

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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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.