Overview
Pros & Cons
Plans & Coverage
Cost of Plans
The Bottom Line
What You Need To Know About IMG
IMG stands out in travel insurance by offering specialized plans for all types of travelers, from vacationers to expats. Founded in 1990, it provides six distinct plans underwritten by A-rated carriers SiriusPoint and United States Fire Insurance. IMG strongly focuses on international medical coverage, including coverage for emergency evacuations and repatriation. This makes it a top choice for those needing robust protection, offering medical coverage limits up to $500,000.
They also offer unique plans for mission trips, students, and remote workers. IMG holds an AM Best rating of A (Excellent) and a 4.6/5 customer rating, ensuring reliability for diverse travel needs.
Our Take: IMG’s global reach and high medical limits make it ideal for international travelers, especially in areas with limited healthcare. While coverage is extensive, there can be delays in claims processing, and customer service reviews are mixed. Overall, it’s a strong choice for those prioritizing medical coverage.
IMG Customer Satisfaction Ratings
Check out what travelers like you think about IMG:
IMG At-a-Glance
- Broad selection of plans to choose from
- High emergency evacuation limits (up to $1,000,000)
- High medical coverage limits ($500,000)
- Generous rental car coverage
- Slow claims process, according to Squaremouth reviews
- Limited customer service hours
Ready to explore your options? Compare IMG plans against other top providers.
Find The Plan That’s Right For You
IMG offers plans for every traveler—explore its plans to choose the best plan for your trip.
| Plan | Medical |
Evacuation & Repatriation |
Trip Cancellation | Trip Interruption | CFAR Option |
|---|---|---|---|---|---|
| Patriot America Plus | $50,000 | $1,000,000 | No coverage | $10,000 | |
| iTravelInsured Travel LX Basic | $500,000 | $1,000,000 | 100% of the trip cost | 150% of the trip cost | |
| iTravelInsured Travel Essential | No coverage | No coverage | 100% of the trip cost | 125% of the trip cost | |
| Patriot America Platinum | $2,000,000 | $2,000,000 | No coverage | $10,000 | |
| Patriot America Lite | $50,000 | $1,000,000 | No coverage | $10,000 | |
| Patriot International Platinum | $2,000,000 | $2,000,000 | No coverage | $10,000 | |
| iTravelInsured Choice | $100,000 | $500,000 | 100% of the trip cost | 150% of the trip cost |
IMG vs. The Competition:
How It Stacks Up
What’s the best provider? That depends on your trip. Choosing the right one can save you thousands. Here’s how IMG stacks up.
| Plan Features |
|
 |
|---|---|---|
| Overall Coverage |
Extensive international medical coverage with high limits is ideal for expats, missionaries, and remote workers. Specialized plans for unique needs like student and mission travel, plus options for hazardous sports coverage. |
Broad coverage, with options for customization |
| Cost | Competitive pricing, especially for medical-heavy plans. |
Moderate pricing with flexible plan options |
| Customer Rating |
4.2
Good
|
4.5
Very Good
208 Reviews
|
| AM Best Rating | A- (Excellent) | A (Excellent) |
| Unique Benefits | Layoff and financial default coverage |
Sporting equipment coverage |
| Insurance Partners | Backed by SiriusPoint Specialty Insurance Corporation, SiriusPoint America Insurance Company, and United States Fire Insurance Company. | Backed by BCS Insurance Company and Jefferson Insurance Company. |
How Much Will A IMG Plan Cost For Your Trip?
Take a look at how the average cost of IMG’s policies compares to similar plans from other top providers
* The average premium is calculated using the last 12 months of sales, not including trip cancellation, for consumers ages 20 to 59, with a trip length between 4 to 16 days.
* The average premium is calculated using the last 12 months of sales, including trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999.
The Bottom Line:
Is IMG Worth It?
IMG stands out for its exceptional focus on international travelers, offering unique plans tailored to groups such as expatriates, missionaries, and students. With high medical coverage limits, IMG is best known for its travel medical coverage. However, with specialized options like hazardous sports coverage, IMG is also ideal for those with more adventurous or long-term travel plans. Its range of flexible, affordable plans makes it accessible to various travelers, whether looking for essential trip protection or comprehensive international medical coverage. While IMG’s claims process can occasionally experience delays, its strong customer satisfaction ratings, especially in international medical emergencies, make it a reliable choice for those prioritizing health and safety during their trips. If you’re traveling abroad and require high medical limits, flexible add-ons, and niche coverage options, IMG is well worth considering.
Contact Information for IMG
Customer Service: 317-655-4500
Hours of Operation:
Everyday, 24 hours per day
Claims Phone: 317-655-9798
Claims Hours of Operation:
Everyday, 24 hours a day
Mail to:
IMG
c/o International Medical Group, Claims Department
PO Box 240429
Apple Valley,
Minnesota
55124
Emergency Assistance:
Inside USA: 317-655-4500
Outside USA: 317-655-4500
Claims Email: iTravelclaims@iTravelInsured.com
Fax: 1-317-927-6882
Provider Claims Website: Please click here
Customer Service: 866-347-6673 or 317-655-9796
Hours of Operation:
Monday - Friday 8am-8pm EST
Claims Phone: 1-866-243-7524 or 1-317-655-9798
Claims Hours of Operation:
Everyday, 24 hours per day
Mail to:
IMG iTravelInsured Claims
P.O. Box 241853
Apple Valley,
Minnesota
55124
Emergency Assistance:
Inside USA: 317-655-4500 ext (0)
Outside USA: 317-655-4500 ext (0)
Claims Email: itravelclaims@imglobal.com
Fax: 317-927-6882
Provider Claims Website: Please click here