Navigating the world of travel insurance can be a daunting task for even the most seasoned travel enthusiasts.
With countless companies promising the best coverage at unbeatable rates, how do you know which one to trust with your safety and peace of mind during your overseas adventure?
In our ongoing mission to provide travelers with the most accurate and helpful information, we’re putting the spotlight on one of the prominent names in the travel insurance industry: IMG Global.
For over three decades, IMG Global has been offering innovative insurance products to international travelers, becoming a significant player in the industry.
However, a longstanding presence in the market doesn’t necessarily translate to the best choice for your needs.
This comprehensive review will delve into the history, products, and customer experiences of IMG Global, empowering you with the knowledge you need to decide whether this is the right travel insurance company for your upcoming adventures.
Buckle up as we embark on this enlightening journey.
In this article...
Brief History About the Company
IMG (International Medical Group) was established in 1990 and has since emerged as a leader in the global insurance sector.
Headquartered in Indianapolis, Indiana, IMG offers a range of innovative insurance products designed to suit the varying needs of international travelers.
It’s a globally recognized company known for providing high-quality medical insurance products for travelers worldwide.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Products Offered by the Company
IMG offers a wide variety of insurance products, including international health insurance, travel insurance, medical insurance for expats, and coverage for mission groups and marine crew.
The company provides multiple travel insurance options such as Patriot Travel Medical Insurance, Patriot America Plus, Patriot Platinum, and more.
Their insurance plans are tailored to meet the requirements of all types of travelers, from single individuals, families to groups.
What’s Special About the Products
What sets IMG’s products apart is their broad and flexible coverage. The company provides extensive benefits such as emergency medical evacuation, coverage for acute onset of pre-existing conditions, trip interruption, lost luggage, and more.
Some plans, such as the Patriot America Plus, even include adventure sports coverage.
They also have customizable deductibles and policy maximums, allowing travelers to tailor the policy to their specific needs and budget.
What Do Customers Think About IMG Global
Customer reviews of IMG Global are generally positive.
Customers appreciate the comprehensive coverage and affordability of the plans. Many users also mention the ease of purchasing and extending policies online.
However, like any insurance provider, some customers have had negative experiences, often related to claim denials or customer service interactions.
Controversies About IMG Global Travel Insurance
While IMG Global is a well-established and reputable company, it has faced controversies, like any large company.
Some customers have expressed dissatisfaction with claim processing times and denials. It’s important to note that many of these complaints arise from misunderstandings about policy terms and conditions.
This emphasizes the importance of reading and understanding your policy details before purchase.
Should You Buy IMG Global’s Travel Insurance Plans?
If you’re an international traveler looking for comprehensive coverage at a competitive price, IMG Global is a solid choice.
Their wide array of plans and benefits ensures there is a product suitable for almost any travel scenario. However, as with any insurance purchase, it’s vital to read the policy carefully and make sure it meets your specific needs.
How Is the Network?
IMG boasts a broad global network of healthcare providers.
This extensive network ensures that, no matter where you are in the world, you can access quality medical care.
IMG’s website provides an easy-to-use tool for locating healthcare providers within their network.
How Good Is the Customer Service?
IMG’s customer service receives mixed reviews.
Some customers appreciate the helpful and responsive customer support team, while others have faced issues with communication.
However, the company provides 24/7 customer support and offers multiple channels for customer support, including phone, email, and live chat.
What Are Their Most Popular Products?
Among IMG’s products, the Patriot Travel Medical Insurance plans are quite popular due to their flexibility and comprehensive coverage options.
Patriot America Plus, with its robust coverage for acute onset of pre-existing conditions, is particularly preferred by older travelers.
In conclusion, IMG Global is a reputable insurance provider that offers a wide range of flexible and comprehensive travel insurance products.
It’s always recommended to do your research, read the policy details carefully, and choose the plan that best fits your travel needs and budget.
FAQs
What types of travel insurance does IMG Global offer?
IMG Global offers a wide range of travel insurance products, from trip cancellation plans to comprehensive international medical insurance. They also provide specific coverage for activities like adventure sports.
Does IMG Global cover COVID-19 related claims?
Yes, many of IMG Global’s plans offer coverage for COVID-19 related medical expenses. However, the coverage varies by plan, and it’s recommended to review your policy details or consult with an IMG representative for specific information.
How do IMG Global’s premiums compare to other travel insurance providers? The premiums for IMG Global’s travel insurance plans are competitive and vary based on factors such as the traveler’s age, trip duration, and the level of coverage chosen.
How do I file a claim with IMG Global?
To file a claim with IMG Global, you must complete a claim form available on their website and submit it along with the required supporting documentation.
What is IMG Global’s reputation among customers?
IMG Global generally receives positive reviews for its comprehensive coverage options and customer service. However, like any insurance provider, experiences may vary, and some customers have reported dissatisfaction with claim handling.
Is IMG Global a good choice for adventure sports coverage?
IMG Global offers specific plans geared towards those engaging in adventure sports, making it a strong contender for travelers seeking this type of coverage.
How does IMG Global handle pre-existing conditions?
Coverage for pre-existing conditions varies among IMG Global’s different insurance plans. Some plans offer a waiver for pre-existing conditions if certain requirements are met.
What network of medical providers does IMG Global offer?
IMG Global has a vast network of medical providers worldwide. Plan holders can search for suitable healthcare providers within their area through the IMG Global website.
Remember, it’s crucial to understand all the terms, conditions, exclusions, and benefits of any insurance plan before purchasing.
Always read the policy documentation carefully and reach out to the insurance provider if you have any doubts or questions.
