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International Medical Group (IMG)

International Medical Group (IMG) travel insurance plans

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).

What is the traveler's destination?

Including USA Excluding USA

What is the nationality of the traveler?

Non US US Citizen US Green Card Canadians/Australians

Is the traveler looking for?

Travel without Trip protection Student Global medical (>1 Year) Travel with Trip cancellation Multi-Trip (Annual)

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

Yes No

Does the traveler have any pre-existing medical conditions?

Yes No

Type of Insurance?

Travel Insurance Travel with Trip cancellation Global medical(> 1 Year) Multi-Trip (Annual)

Destination State?

Reset

About International Medical Group (IMG)

IMG has been in the international health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.

International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Travel & Student insurance for Covid19, Student Covid19 insurance

Covid travel insurance

IMG Covid19 travel insurance that covers coronavirus, Best IMG covid travel insurance for visitors to USA

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Covid student insurance

IMG Covid19 student insurance that covers coronavirus, Best IMG covid student insurance for Students

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Covid Quarantine IMG Trip Insurance Plans

Travel Lite Covid Quarantine Benefit: Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
Travel LX Covid Quarantine Benefit: Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
Travel SE Covid Quarantine Benefit: Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
US Residents on domestic and worldwide trips.

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Travel insurance

Student insurance

Global insurance

Trip insurance

International Medical Group covid insurance

IMG Covid travel insurance, IMG Covid travel insurance
The Patriot America Plus insurance and the Patriot Platinum insurance products include COVID19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020.
IMG Covid student insurance, IMG Covid health insurance
IMG Coronavirus Student health insurance by Patriot Exchange Insurance and Student Health Advantage Insurance with Covid19 coverage covers Covid19 illness for international students outside their home country.
Coronavirus IMG Trip Cancellation travel insurance Covid19

The IMG travel insurance have no exclusion for medical expenses for Covid19 virus. Any medical expenses incurred due to Coronavirus will be covered by IMG insurance. However cancellation of the trip due to Coronavirus is not covered unless you have purchased the Cancel for any reason insurance benefit which is offered by the Travel LX insurance and you purchased this plan within 20 days of the initial trip deposit.

International Medical Group (IMG) Insurance - Common Questions

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

Choose a travel health insurance plan that covers pre-existing conditions.
Read the policy carefully to understand what is covered and what is not.
Be aware of any waiting periods for coverage of pre-existing conditions.
Consider buying a visitors insurance policy with higher coverage limits.
Carry a copy of your medical records and list of medications with you when traveling.
Ensure that you carry your medical prescription and medicines during your trip.
Know how to access medical care in your destination.
Contact your visitors insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when buying visitors health insurance.
Follow all necessary procedures to file a claim for reimbursement of medical expenses.

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
The deductible and out of pocket expenses for pre-existing conditions coverage.
The renewability of the policy and its implication for pre-existing condition coverage

Pre-existing conditions coverage - FAQ's

Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

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Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.
Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

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Fixed vs Comprehensive plans »

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