IMG Travel Insurance Reviews

We unfortunately had to cancel our trip due to emergency surgery which occurred about 4 weeks prior to the start of the trip. I filed a claim online, but found that the information asked for online wasn't complete, so after about a week, I was notified that i needed to sent in yet more information. IMG was quick to tell me that I needed to send more information, but never let me know when the information asked for was complete. I had to call to find that out. I did receive reimbursement for the trip fairly quickly.

My only direct contact with IMG was to raise the insured amount after purchasing air tickets. That was easy.

I prefer to speak with a rep rather than having to deal with changes in line

1. Immediately after I purchased my policy I realized that I had overstated the amount of coverage I needed. I called customer service and was able to downsize my policy amount, resulting in a credit back to me for part of the premium paid. This entire process was fast and hassle-free which I very much appreciated.
2. The communications regarding a 24-hour tele-doc line were very confusing. I repeatedly tried to register for this service in advance of leaving home so I would have it available should the need arise. I could not do so and could not determine whether it was a technical issue, I was not eligible, ?? Finally called customer service and was told I could not even register for this service until after I left home. That is not optimal, as when you are traveling abroad your access to internet is more difficult. I ended up never registering, but also I never needed the service. If I had, it would have been very difficult to access from the remote area I was in. There should be a better way to do this, and much better communication to policyholders.

Would have liked more reminders at key dates before. e.g. 120 days, 90 days and 3 or 4 more as these are critical days for depoand decision making

Thankfully, we do not have to file a claim.

No issues. Easy to sign up and enroll.

I needed to call them to increase the value of my trip. They were very helpful with this.

It may have been a bit more expensive, but it was important to have waiver of pre-existing conditions, and even though I didn’t need it, they allow it outside the usual restrictive 14-21 days from first payment related to the trip.

IMG customer service put pressure on me to file a claim while I was in the middle of multiple medical problems including a hospitalization.
Threatened to reduce my benefits if I did not file a claim while I was still traveling.

IMG representative was helpful in explaining how to adjust coverage to accommodate additional coverage items.