IMG Travel Insurance

Overview of IMG Travel Insurance

IMG, short for International Medical Group, is consistently one of the top-selling travel insurance providers on Squaremouth. Founded in 1990, they have established a reputation as a global leader in international travel medical coverage, offering policies that provide high reimbursement rates for unexpected health issues and multilingual customer support teams that can provide emergency assistance anywhere in the world.

Whether you’re planning a long trip abroad or a quick domestic getaway, IMG has multiple options for a variety of different trip types. They currently offer seven unique IMG travel insurance policies on our comparison platform, comprising both comprehensive plans and travel medical plans. IMG is also one of the few insurers on the market to provide a cancellation-only option to travelers, further highlighting their diverse range of products.

How Reputable is IMG?

IMG is a highly reputable travel insurance company with decades of experience and millions of customers around the world. They are well-regarded across the industry, being named the Top Travel Insurance Company by Forbes Advisor in 2023 and currently holding an A+ rating with the Better Business Bureau (BBB)

SiriusPoint America Insurance Company and United States Fire Insurance Company underwrite IMG plans and hold an A.M. Best Rating of A- (Excellent) or better. These scores showcase IMG’s financial strength and their ability to reimburse customers in the event of a claim.

Our Take: __IMG is a highly reputable provider with diverse policies that cover just about any trip. They stand out from other insurers with their catalog of unique offerings, such as medical-only and cancellation-only plans. IMG is also fairly affordable when compared to other companies on the market. One drawback, however, is the negative experiences some travelers report having when filing a claim.
If you’re looking for a no-nonsense, comprehensive plan, we recommend iTravelInsured Choice. It’s one of the most popular travel insurance policies on our platform, and for good reason. It includes generous medical coverage limits and allows eligible travelers to enhance their coverage through add-ons like Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR). It also offers pre-existing condition coverage if you purchase your policy within the 21-day time-sensitive window.
Overall, IMG is a great option if you want dependable coverage and specific travel needs. Since they offer a wide range of options, they make it easy to find a plan tailored to your specific needs and travel habits.
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IMG Travel Insurance Customer Satisfaction Ratings

IMG customers give the provider a 4.21 out of 5 for overall customer satisfaction. The ratings below are based on 2,673 IMG customers who rated their experience with the provider before, during, and after their trip.

IMG customers particularly appreciate the level of assistance they provide before their trip, which can involve making policy modifications or answering last-minute questions. However, based on satisfaction scores across the industry, IMG falls short when it comes to customer service during trips and throughout the claims process.

Below are a handful of recent reviews from travelers who purchased a policy from IMG.

Check out what travelers like you think about IMG:

Pros & Cons of IMG Travel Insurance

IMG has gained popularity among travelers of all ages due to their depth and breadth of coverage options. However, there are a few things to consider before purchasing a policy from this provider.

IMG is best known for their extensive catalog of travel insurance policies. In addition to their comprehensive plans, they also offer unique medical-only and cancellation-only plans that cater to travelers who want to supplement existing coverage. Their Patriot America Platinum and Patriot International Platinum policies are two travel health plans that boast the highest medical coverage limits found on Squaremouth, offering up to $2,000,000 in coverage for Emergency Medical and Medical Evacuation benefits.

In addition to their product depth, they are also among the most affordable travel insurance providers on the Squaremouth platform. Specific pricing information for IMG can be found further down this page.

Some potential drawbacks for IMG include the provider’s short Free Look Period, which refers to the period of time after purchase that you can cancel your policy for a full refund. While most providers offer 10-21 days to change your mind, many IMG plans only offer a 3-day Free Look Period. Very few IMG plans include the option to enhance your coverage through add-ons like CFAR or Rental Car Damage protection, which can be an issue if your travel plans are not set in stone or you want additional peace of mind ahead of your trip.

Another concern is the provider’s claims process, with some reviews on Squaremouth mentioning having trouble communicating with IMG when seeking reimbursement. Despite the insurer holding high scores with BBB and A.M. Best, it’s important to read reviews from verified customers before purchasing coverage.

Ready to explore your options? Compare IMG plans against other top providers.

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Details About IMG’s Travel Insurance Plans

IMG offers a wide range of plans, making it easy to find a good fit for your upcoming trip. These plans come with varying benefits and levels of coverage, so it’s important to compare them closely.

iTravelInsured Travel LX Basic & iTravelInsured Choice

These are IMG’s comprehensive travel insurance policies and offer the most robust protection out of all their plans available on Squaremouth. They include in-demand benefits such as Trip Cancellation, Emergency Medical, Medical Evacuation, and Travel Delay. iTravelInsured Choice is the most popular of all IMG’s plans due to its well-rounded coverage and affordable pricing. It’s also the only IMG plan on Squaremouth eligible for the CFAR upgrade, making it a great option if your trip requires flexibility. iTravelInsured Travel LX Basic features the higher medical coverage limits, making it a top choice if your primary concern is getting sick or injured while away from home.

Patriot America & Patriot International

IMG’s Patriot line comprises a handful of medical-only plans at varying degrees of coverage. Patriot American covers non-U.S. residents traveling to the United States, while Patriot International covers U.S. residents traveling outside the U.S.. These plans are known for their generous medical coverage limits, with Patriot Platinum plans offering customers up to $2,000,000 in secondary Emergency Medical coverage, the highest of any plan on Squaremouth. These policies come with $10,000 in Trip Interruption protection, but do not provide coverage for other disruptions like trip cancellations, delays, missed connections, or baggage loss.

These policies would be a great choice if you have existing travel protection through another source, such as a travel credit card, and only want medical coverage for the duration of your trip.

iTravelInsured Travel Essential

IMG’s iTravelInsured Travel Essential plan is one of the few cancellation-only policies on the market. It offers financial protection for trip cancellations and interruptions, as well as trip delays that extend beyond 12 hours. As shown in the table above, this plan does not include Emergency Medical or Medical Evacuation protection. For that reason, we recommend this policy if you’re traveling domestically with existing health insurance and want to protect your travel expenses in the event you’re forced to cancel your trip or cut it short for a covered reason.

Compare All Plan Details

Compare IMG vs. Competitors

While IMG is an incredibly popular travel insurance provider, they may not be the best fit for you. See how they compare to other insurers on our platform.

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 2,710 Reviews	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.

Average Cost of IMG vs. Competitors

One of IMG’s biggest strengths is its value for the money. Their pricing for both travel medical insurance and comprehensive coverage falls below the industry average despite providing solid coverage. The chart below details how IMG premiums compare to other top-rated providers.

IMG Ratings vs. Competitors

IMG is currently the 12th highest rated provider on our platform. This puts them in the bottom half of insurers in terms of customer satisfaction. A key component of this rating involves the claims process, which many past customers have mentioned in reviews as needing improvement.

Despite inferior ratings compared to other providers, IMG’s BBB and A.M. Best scores showcase the provider’s commitment to serving their customers throughout their entire journey, and handling customer complaints fairly and diligently. If you are unhappy with a claims outcome from IMG, you can always appeal or open a Zero Complaint Case with Squaremouth to seek a more favorable resolution.

Is IMG Worth the Cost?

Yes, IMG is generally worth the cost because of its strong coverage options, affordable pricing, and strong financial backing. Their plans are popular among Squaremouth users and are known for high medical coverage limits. IMG also works with reputable underwriters and is highly rated by third-party organizations like BBB and A.M. Best.

IMG’s value is especially clear when comparing plan types. Their travel medical policies are some of the most competitively priced on the market, making them ideal for travelers who primarily want protection for medical emergencies abroad. Meanwhile, their comprehensive plans offer generous medical and evacuation limits without carrying the premium price tag of other providers. This provider can be a great choice if you’re on a budget or want dependable protection while away from home.

However, IMG is not for everyone. Some potential downsides include a short Free Look Period, limited upgrade options, and reported challenges during the claims process. Travelers who want more customization or highly responsive post-trip support may prefer travel protection offered by another provider.

Alternatives to IMG Travel Insurance

If you can’t find an IMG plan that fits your needs, consider options from the following travel insurance providers:

Tin Leg is another extremely popular provider on our platform that offers a wide range of products. Their Tin Leg Gold policy, specifically, is the best-selling comprehensive plan on Squaremouth that offers well-rounded protection at a competitive price point.

Travel Insured International is one of the top-selling providers on Squaremouth. Their FlexiPAX option is a great fit if you’re looking for a plan that provides plenty of customization options.

Travelex is among the highest-rated providers on our platform and offers a small number of comprehensive plans. Travelex Ultimate is their most popular plan due to its high medical coverage and ‘Kids Covered Free’ pricing structure.

Frequently Asked Questions: IMG Travel Insurance

Is IMG a Good Option for Seniors?

Yes, in fact, IMG’s iTravelInsurance Choice option is currently leading our list of Best Travel Insurance for Seniors. This is due to its high medical reimbursement rates, affordability, and reliable pre-existing condition coverage.

None of IMG’s plans impose age restrictions, so all of their plans will cover travelers aged 65+.

What is IMG Most Known For?

IMG is best known for their high medical coverage limits and vast coverage options. Specifically, their Patriot Platinum plans offer up to $2,000,000 in Emergency Medical and Medical Evacuation coverage, which is more than any other plan found on our platform.

What Key Benefits Does IMG Offer?

It depends on the plan. IMG’s comprehensive policies, for example, include the most in-demand travel insurance benefits like Trip Cancellation, Emergency Medical, Medical Evacuation, Travel Delay, and more. However, their medical-only policies will mainly feature just medical and evacuation coverage.

A full summary of each plan, including benefits and respective coverage limits, can be found in the policy comparison above.

What Types of Travel Insurance Policies Does IMG Offer?

IMG offers a very wide range of travel insurance options for customers. Among the plans listed on Squaremouth, you will encounter the following types of coverage:

• Comprehensive: The most robust form of travel insurance that includes cancellation coverage, medical coverage, delay coverage, and coverage for your personal belongings.
• Medical-Only: An affordable form of travel insurance that only focuses on medical benefits like Emergency Medical and Medical Evacuation, and omits coverage for other common travel disruptions.
• Cancellation-Only: A unique type of travel insurance policy that is designed only to protect your prepaid, non-refundable travel expenses against covered cancellations and interruptions.

How Do I Determine Which IMG Plan is Best for Me?

In most travel scenarios, a comprehensive travel insurance policy is your best bet. However, it depends on your needs.

Review the following scenarios to determine which IMG plan is the right fit for your upcoming trip:

• If you need comprehensive travel insurance for a trip abroad, consider iTravelInsured Choice
• If you already have cancellation coverage but need robust travel medical insurance, consider Patriot International Platinum
• If you are traveling domestically and just want affordable cancellation coverage, consider iTravelInsured Travel Essential

Does IMG Offer Any Policy Upgrade Options?

Only IMG’s iTravelInsured Choice policy offers add-ons like CFAR and IFAR. To qualify for this coverage, you must purchase your policy within 21 days of your initial trip deposit. In addition, you will need to insure 100% of your prepaid, non-refundable trip costs. Adding these benefits to your plan will increase your premium.

Does IMG Cover Pre-Existing Conditions?

Yes, most IMG policies offer a pre-existing condition waiver to eligible travelers. This waiver removes any exclusions from the policy that relate to pre-existing health issues that may flare up during the trip.

To be eligible for a waiver, you must purchase your policy within a time-sensitive window, which varies by plan. For example, the time-sensitive window for iTravelInsured Choice is 21 days after your initial trip deposit, while IMG’s iTravelInsured Travel LX Basic allows you to qualify for a waiver as long as you purchase your plan anytime before your final trip payment.

Review your policy’s Certificate of Insurance or contact IMG directly for more information about qualifying for a pre-existing condition waiver.

Does IMG Provide 24/7 Assistance?

Yes, IMG, along with all providers on Squaremouth, offer 24-Hour Emergency Assistance. IMG emphasizes their multilingual customer support team, which can be a huge bonus if you require translation services while traveling abroad. IMG can also assist in medical referrals, coordinating evacuations, and providing medical facilities with upfront payment if needed for treatment to begin.

How Do I File a Claim with IMG?

Squaremouth cannot process claims directly for IMG. If you need to file a claim with your provider, we recommend contacting them directly to initiate the process.

Contact information and links can be found in the section below.