IMG Travel Insurance Reviews

I have two claims to file, one for a delayed flight of one day, and a second for a medical claim regarding a fall my wife had in Athens, Greece. All claims for IMG need to be filled out online with the uploading of requested documents. Personal phone service and help is available, although discouraged with an opening recording. I ignored it three times and connected with a live agent fairly quickly.

I filed my flight delay reimbursement claim yesterday. It takes a few days to process before feedback starts coming back. In as much as the document uploading is completely self-guided with on-screen instructions, the program can and does interpret the information asked for incorrectly. However, that can be remedied with the help of a live agent over the phone. I uploaded into the IMG site three documents showing my hotel bill in three different ways, proving that I did pay for it. The program tripled my hotel reimbursement claim rather than understanding the duplicate hotel charges were all the same claim request.

I am very early in the claim process so I can't comment much more. I will say that many documents are required for proof of a claim, but that applies to all travel insurance claims. The IMG program states we all must be patient filling out the required tasks and be well prepared, which I am for the medical claim to come which also needs a special form to be filled out by a physician and signed. I didn't expect that and so we needed to make an appointment for a doctor's visit to get that form filled out, which I needed to convert from a PDF into into a hard copy. And then I will need to scan it to get it back into a PDF file for uploading. Obviously, I'm prepared to do that, but I'm thinking that not everybody has that kind of tech sophistication. Ask me in a few weeks how it's going and I can give you more feedback.

My travel companion cancelled and did not go on the trip. She had a medical issue and a note from her doctor saying she should not travel. Because this was a mental health reason, my claim to get reimbursed the $600 for my single supplement fee (now that my room no longer had two people) was denied. Apparently if you have a mental health reason for cancelling a trip, you need to be hospitalized to have that qualify. In our country at this time, you have to be a threat to yourself or others to be hospitalized for mental health. So if you are not suicidal or homicidal, your plan will not cover a mental health issue as a valid reason for cancelling a trip, even if a doctor has said you should not travel. The rules need to match reality. I am not filing an appeal as apparently this was all in the fine print somewhere, but its quite disappointing

The only reason I got this policy was to cover us in case something happened with the flight on the way to our cruise.
Because if you get delayed or flight is canceled, that ship leaves with or without you.
Our airline went on strike the day of our flight.
I had to spend $1500 the day before to get replacement tickets just in case.
Thank goodness I did because there were no more seats by the time. The airline finally canceled the flight Sunday morning and rebooked us the next day on a flight that would not have worked with our cruise.

So I have filed a claim for that, but of course, have not heard a thing.

So purchasing a travel insurance policy that was specifically made for cruises and flight interruption still hasn’t paid off.

Your rep made it quick and easy. Your documentation and communication on policy and benefits was nice.
Purchased prior from other company that provided nothing. Yours was better coverage, better price. I would recommend to others.

Not all of my questions could be answered. Secondly, having a more convenient way to access details and contact info before the trip that contains information that can be used in the event of an occurrence while traveling would be great.

I was amazed how easy the whole process went for me to sign up.
My agent was wonderful!!

My dates needed to be changed by a day as trip was starting. I called and was told to send an email
They promptly changed the dates with no issue.