Traveling is certainly an exciting experience, but anything can happen when you are away from home. To protect yourself and your loved ones from any potential losses while abroad, it is important to carry a dependable travel insurance policy with you.
International Medical Group (IMG) is one of the largest and most trusted providers of medical and travel insurance within the U.S and hence, a popular choice with many ex-pats and holiday goers. In this article, we will be providing an in-depth review of this insurance company, discussing its services, pricing, pros and cons, customer satisfaction, and much more. Continue reading.
The IMG Travel Insurance Company was founded back in 1990 and offers coverage for not only general travel but also cases specific to medical insurance abroad. The insurance company is headquartered in Indianapolis, IN, and is wholly owned by Sirius Group, the relationship with which provides it with exceptional financial strength.
With world-class customer service and a wide range of coverage policies on offer, it is unsurprising that the company has managed to quickly grow into one of the biggest players in the travel insurance sector, not just within the U.S but also internationally, boasting off over a million customers today.
|IMG Travel Insurance Phone Contact (U.S. & Canada)||1 (800) 628-4664|
|IMG Travel Insurance Mail Address||Attn: Claims Department
P.O. Box 88850
Indianapolis, IN 46208-0500
|IMG Travel Insurance Email||CustomerCare@IMGlobal.com|
|US Travel Insurance Association Member?||No|
|Emergency Contact (Worldwide)||1 (317) 655 4500|
In our evaluation of the insurance company, we took into account a number of different factors. First, we assessed its customer experience. To this end, we checked out their website and app and noted down their features and ease of use. We also tried connecting with their customer representatives and noted down their response time and quality.
We looked into their product offerings, checked their prices, and then compared them to that of immediate rivals, examining if they had any particular aspects that made them stand out from the competition. We also judged their near-term financial outlook by looking at the publicly available financial information.
Lastly, we also accounted for IMG travel insurance ratings and reviews on various customer feedback websites, including BBB, Trustpilot, and Squaremouth.
As a global travel insurance powerhouse, IMG Travel Insurance coverage locations include all U.S states as well as all other countries. Their insurance products are available to both U.S and non-U.S citizens. The company has also established several international subsidiaries to help guarantee a seamless quality experience for its policyholders regardless of which part of the world that they may be traveling to.
IMG Travel Insurance features a variety of offerings that allow you to avail the absolute best policy for your travel needs. With all of their plans, you are also assigned an experienced plan administrator, who helps you fully understand the details of your coverage.
IMG Travel Insurance plans can be divided into three broad categories, namely travel medical emergency insurance, international health travel insurance, and general travel insurance.
This category of protection specifically covers any medical expenses and emergency evacuations while you are traveling inside or outside of the U.S. Some of the most popular plans in this category include:
This plan provides basic short-term travel medical coverage from $50,000 to up to $1 million per individual, depending on your choice of deductibles. The company will pay 100% of the cost of your emergency treatment. In addition, it also adds in a few travel-specific extras, most of which are subject to deductibles; this includes coverage for trip interruption (up to $10,000), lost luggage (up to $500), and personal liability (up to $25,000) as well as Accidental Death & Dismemberment (AD&D) ($50,000 principal sum).
This plan is specific to non-U.S nationals traveling to the country looking for temporary yet comprehensive medical coverage. The maximum coverage limit is up to $1 million, and it also includes coverage for COVID-19. Travel specific coverage is also included and is similar to the one described in the previously stated plan.
This plan is designed for those discerning international travelers that want to avail the absolute best in terms of temporary medical coverage. With this plan, you and your family are covered for emergencies both outside and inside the U.S, including for COVID-19. Coverage can be extended for up to 36 months instead of the standard 24 months, and depending on your deductibles, the maximum coverage cap can be set at $8 million. This plan also includes the standard coverage provided for other travel-related extras.
This category of protection provides global medical assistance and coverage for people living outside of the United States for one year or more. This includes ex-pats, foreign employees of multinationals, and those with dual residencies. These plans are available to citizens of all nationalities, but the person has to be between the ages of 14 days to 74 years to be eligible. Among the most popular plans in this category includes:
This is a comprehensive medical insurance plan with a max coverage cap of up to $8 million and can be renewed annually. The plan features a high degree of flexibility, allowing you to customize your package specific to your preference, including a budget, area of coverage, and deductibles.
Furthermore, depending on the benefit option you chose, you may also be provided coverage for non-medical emergencies, including emergency and political evacuation and remote transportation. There are a ton of add-ons available with which you can supplement the plan, including maternity, non-emergency dental, terrorism, and AD&D.
These are general-purpose travel insurance plans meant for tourists and visitors going abroad for 90 days or less. These plans provide insurance coverage beyond just medical needs. Some of the most popular plans in this category include:
Geared towards travelers on a tight budget, this is one of the lowest-priced IMG travel insurance plans available. The coverage it provides is relatively basic; it includes protection against trip cancellation (up to $25,000), trip interruption (125% of the cost), trip and baggage delay (up to $500 and $150 respectively), loss of items (up to $750). Emergency medical and evacuation expenses are covered for up to an amount of $100,000 and $250,000.
This plan provides every benefit listed in the previous plan plus raises the coverage cap for many of them. It also extends coverage for common carrier AD&D and pre-existing medical conditions. Rental car damage (up to $40,000) is also available as a rider.
A premium global travel insurance plan that provides you with the maximum travel protection offered by the company. All the benefits from the previous plans are added, and the cover cap is further extended. Furthermore, with this plan, you are also covered for search & rescue (up to $10,000), rental car damage (up to $40,000), sport equipment rental (up to $2,000) and non-emergency evacuation (up to $50,000).
Trip Cancellation and Interruption for Any Reason are also available as add-on options, covering 75% percent of the cost insured (if the purchase was made within 20 days of the initial trip deposit).
In addition, you are also provided with non-insurance emergency travel assistance, such as help with the replacement of lost travel documents and urgent cash transfers.
Thanks to the extremely helpful IMG travel insurance quote calculator, finding plan pricing and cost is an extremely straightforward affair. Simply click on the ‘GET QUOTE’ button to get started and enter your trip date, its total estimated cost, and the number of people you would like to cover. Click apply, and you will have the prices listed for all their various plans.
For quick reference purposes, below is a table of their prices for the most premium travel insurance plans for a 35-year-old male U.S citizen going to the U.K.
|iTravelInsured Travel LX Insurance||$257.00||N/A||N/A|
|Patriot Platinum International||N/A||$238.31||N/A|
|Global Medical Insurance Platinum||N/A||N/A||$395.9 ($500 Deductible)|
Once you have purchased the plan, you are given a 15-day free look period to review the coverage. If, in that period, you are not satisfied with your plan, you can cancel the subscription, and IMG will refund you the full amount of the premiums received.
When it comes to achieving customer satisfaction, IMG seems to enjoy a position that has few equals – at the very least, that is what it may seem by its ratings on most customer review websites.
For instance, on Trustpilot, the company boasts an average rating of 4.4 out of 5 stars based on 1,702+ reviews. A similar rating was spotted on Squaremouth based on the 150+ reviews. On Insuremytrip.com, the company garnered an even more enviable rating of 4.6 out of 5 stars based on 2,888+ votes. The only major user review site where the company received a negative rating was Yelp, where it held 1 out of 5 stars based on 95+ reviews.
Its world-class customer service, user-friendly website, and fast and easy processes were notable aspects frequently praised by customers. Common IMG travel insurance complaints included having difficulties understanding and differentiating between the plans on offer.
IMG Travel Insurance is BBB accredited, receiving a stellar rating of A- from the organization. And, in terms of financial strength, the company enjoys a very positive outlook, being underwritten by the Sirius Group, which has a market cap of over $1 billion and received an A from A.M. Best for financial stability.
The company offers a number of different ways through which you can reach out to their customer support team, including phone, email, online form, and live chat. They also provide the option to send queries through conventional post mail as well. IMG Travel Insurance customer reviews talk highly of the brand’s customer support service.
To reduce delays that naturally result from high traffic call volumes, the company carries different phone numbers dedicated to a different subject (e.g., claims, emergency, and sales). While slightly inconvenient at first to navigate, it does mean that you are able to reach a customer representative in a timely manner. Their phone support is available 24/7, and we found their staff to be quite knowledgeable, friendly, and professional.
The same, however, cannot be said of the live chat, where we suffered from long delays before we got connected to a representative and the overall quality of their responses wasn’t on par with the ones we witnessed while on phone.
Users can find tons of useful info on their well-designed website. On their website, relevant pages can be easily navigated to, and they are often littered with helpful FAQs and tooltips that quickly allow users to make sense of what is being shown.
All in all, if there is a certain piece of information you are after regarding them and their service, it is likely to be already featured on their website.
Buying insurance from the company is a straightforward process. To apply for a plan, click on ‘GET QUOTE’ and provide your basic travel details on the quote calculator. Click apply, and it will show you the pricing for each plan. Select your desired plan, and it will take you to an application where you will need to provide some additional information and can further customize your package.
Once done, review your final plan and then place your order. Enter your payment information, and make your purchase. Payment can be made through your debit/credit card or through net banking. If approved, you will be sent a fulfillment kit, which includes your identification card, declaration of insurance, and a Certificate Wording carrying details of your plan.
IMG travel insurance claims can be either filed through their online portal or through the mail with the downloadable form available on their website. In addition to your claim submission, you may be requested for supporting documentation in order to prove your loss. Provided you have sent adequate proof along with the claim, you can expect it to be handled quickly.
Phone: +1 (317) 655-4500
Mail: International Medical Group
P.O. Box 9162
Farmington Hills, MI 48333
In many ways, both of these insurance companies rank head to head when it comes to their service and offerings. However, one key area where IMG seems to come out on top is in the quality of customer service, which in the case of AIG, is less than stellar. Price-wise, AIG plans also tend to be generally more expensive in comparison.
Travelex shines over IMG in terms of featuring much more competitive pricing and a higher overall financial strength (being underwritten by Berkshire Hathaway Specialty Insurance Company). However, in terms of plan options and customer service quality, IMG is the clear winner. For short-term trips, you can choose either of these companies, depending on whether you prioritize cost-savings or quality customer service more. For longer trips (1 year+), IMG is the clear option as Travelex has no annual plans offering as of yet.
For general travel insurance, you probably won’t miss out much if you choose to opt for another service. However, for medical travel insurance, you will certainly be hard-pressed to find a better insurance company out there. Other aspects which make this insurance service so great are their reliability and quality of customer support.
IMG has been in operation for over three decades, is BBB accredited with a rating of A-, is underwritten by a company with an AM Best rating of A, and has tons of reviews that praise their service. So, there is enough evidence to suggest that they can be trusted and relied on.
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