International Medical Group travel Insurance plans, IMG insurance reviews, IMG Travel insurance covid, IMG insurance covid

IMG travel insurance Cost, IMG visitor insurance reviews

IMG Travel insurance reviews
IMG Travel health insurance plans
Ideal for: Non US citizens traveling to USA and US citizens traveling outside their home country.
Purpose: These plans offer coverage for medical expenses, lost luggage, Accidental dental & Dismemberment incurred while traveling.
Patriot America Lite

Best Seller
Best for Us citizens visiting USAB1 Visa holdersAdventure Sports

Patriot America Lite plan provides coverage for travelling outside their home country when destination includes US and its territories.

Green Card Holders in the US are eligible as long as their primary residence is outside the US.

Plan details Buy Online
Patriot International Lite

Best Seller
Best for Schengen visaAcute on set of pre-existing conditions

Patriot International Health insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.

This plan is very popular for travelers visiting European countries and applying for Schengen Visa.

Plan details Buy Online
Patriot America Plus

Best Seller
Best for US citizens visiting USAAcute onset of pre-existing conditions

Patriot America Plus Insurance is available Non US citizens travelling to the USA.

Patriot America Plus Insurance provides Green Card Holders in the US are eligible as long as their primary residence is outside the US.

Plan details Buy Online
Patriot Platinum

Best Seller
Best for First-class medical coveragePre-existing conditions

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.

Offers coverage for Non US citizens travelling outside their home country.

Plan details Buy for individual
Buy for group
Visitors Protect
Best for Limited pre-existing condition coverageVisiting to US, Mexico

Visitors Protect Insurance offers coverage for pre-existing conditions up to 99 years.

The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.

Plan details Buy Online
Visitors Care

Best Seller
Best for Cheaper visitor insuranceAcute onset of pre-existing conditions

Visitors Care insurance is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan.

This plan covers acute onset of pre existing condition up to the age of 70 for a maximum starting from $25k up to $1M depending on the selected policy maximum.

Plan details Buy Online
Globe Hopper Senior
Best for Travelers age 65+Pre-existing conditions

Globe Hopper Senior travel insurance is ideal for US citizens and US permanent residents over the age of 65 for travelling outside of the United States.

The plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan (Medicare supplement insurance)

Plan details Buy single trip
Buy multi trip
Outreach Travel Medical
Best for Missionaries and mission groupsPre-existing conditions

Available for Non-US citizens traveling outside their home country and for US citizens traveling outside of the US.

Travel medical insurance for missionaries and mission groups and this plan provides up to $2M of medical coverage.

Plan details Buy Online
IMG Travel insurance plans

Compare IMG Travel Insurance Plans

Compare IMG Patriot Travel Insurance benefits

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IMG Student insurance reviews
IMG student insurance plans
Ideal for: Student studying in USA or outside their home country.
Purpose: These plans offer coverage for medical expenses, sports coverage, baggage incurred while traveling.
Patriot Exchange Student Insurance

Best Seller
Best for F1 & J1 students visa holdersMedical Coverage

Patriot Exchange insurance is ideal for organizations that focus on international educational or cultural exchange programs.

It is a very affordable plan and meets J visa requirements and F Visa for international students.

Plan details Buy for individual
Buy for group
Student Health Advantage

Best Seller
Best for F1 & J1 students visa holdersMaternity

Student Health Advantage insurance provides comprehensive international student medical insurance to students and scholars pursuing their education outside their home country.

This plan covers pre-existing conditions.

Plan details Buy for individual
Buy for group
Compare IMG Student Plans
IMG Trip insurance reviews
IMG Trip insurance plans
Ideal for:US residents irrespective of their citizenship travelling inside US or to other countries. Offers standard trip cancellation coverage.
Purpose: These plans offer coverage for medical expenses, financial losses, trip cancellation, trip interruption and others incurred while traveling.
Travel Lite

Best Seller
Best for Budget conscious travelersTrip cancellation

Travel Lite insurance provides coverage for US Residents on domestic and worldwide trips for trip duration is 180 days.

Pre-existing condition review period: 60 days.

Plan details Buy Online
Travel LX

Best Seller
Best for Optional Cancel for any reason and interruptionAdventure sports

Travel LX insurance is an ideal for adventure trips which requires high end coverage.

This plan provides trip cancellation up to 100% of the non-refundable insured trip cost.

Plan details Buy Online
Travel SE

Best Seller
Best for Trip cancellationPre-Existing Condition Exclusion

Travel SE insurance provides coverage for Family extras such as movie rental, internet usage and additional kennel fees due to trip delay.

Available for US rsidents on domestic and worldwide trips.

Plan details Buy Online
Travel Sport Insurance
Best for Adventure-seekersAdventure travel protection

IMG Travel Sport insurance is specifically designed for adventure-seekers and offers flexible sport and adventure travel protection while away from home.

This adventure sports insurance is available only for US residents and offered coverage both within the US as well as overseas.

Plan details Buy Online
Vacation Rental insurance
Best for Vacation rental investmentTrip cancellation and interruption

Vacation Rental insurance is ideal for travelers who want coverage for vacation rental investment in case of trip cancellation and trip interruption.

It also offers coverage for travel and baggage delay along with access to our non-insurance emergency travel assistance.

Plan details Buy Online
Travel Essential Insurance
Best for Lowest priced travel protectionTrip cancellation

Travel Essential plan is designed for U.S. residents traveling within the United States looking to protect their trip investment with our lowest-priced travel protection program.

This plan provides limited, cost-effective coverage for trip cancellation, trip interruption, and travel delay.

Plan details Buy Online
Compare IMG Trip Plans
IMG Senior Citizen insurance reviews
These plans offer coverage for older travelers.
GlobeHopper Senior
Best for Travelers ages 65+Pre-existing conditions

Globe Hopper Senior travel insurance is ideal for US citizens and US permanent residents over the age of 65 for travelling outside of the United States.

The plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan (Medicare supplement insurance).

Plan details Buy single trip
Buy multi trip
Senior Citizen Plans

Senior Citizen Plans is ideal for US citizens and US permanent residents for Travelers aged 65 years or older, GlobeHopper is a renewable up to 12 months.
IMG Global insurance reviews
IMG Global insurance plans
Ideal for: Long term, flexible, annually renewable, worldwide medical insurance program for U.S citizens living abroad or non-U.S nationals worldwide.
Purpose: These plans offer coverage for medical expenses, remote transportation, mental & nervous and maternity incurred while traveling.
Global Medical Bronze
Best for Economical global coveragePreventative Coverage

Global Medical Bronze insurance is available for individuals and families of any nationality..

Plan maximum options available up to $1 million.

Plan details Buy Online
Global Medical Silver
Best for Affordable long-term planPre-existing conditions

Global Medical Bronze insurance is available for individuals and families of any nationality.

Plan maximum options available up to $5 million.

Plan details Buy Online
Global Medical Gold
Best for Expatriate medical insurancePre-existing conditions

Global Medical Gold insurance is long-term, annually-renewable, major medical insurance that provides worldwide health insurance coverage.

Adult and child wellness benefit available.

Plan details Buy Online
Global Medical Platium
Best for High class benefits to global travelersPre-existing conditions

Global Medical Platinum health Insurance offers superior and high class benefits to global travelers.

The plan is most suitable for travelers who require comprehensive medical, dental and visions benefits in a single plan.

Plan details Buy Online
Global Mission Medical
Best for Long-term InsuranceMissionaries and their families

Global Mission Medical Insurance is the opportinity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada.

Annually renewable medical coverage and maximum limits from $1M to $8M.

Plan details Buy Online
Compare IMG Global Medical Plans
IMG Plans For Annual Multitrip Group
IMG Annual Multitrip Plans
Patriot Multitrip
Best for Travelers taking multiple tripsPre-existing conditions

Patriot Multi Trip Insurance offers medical coverage for US citizens who take multiple trips outside the US in a year.

Patriot Multi Trip Insurance plan provides a policy maximum of $1M and for people in the age range of 70-75, the plan provides $50K This per-sickness and injury plan provides a deductible option of $250.

This group plan is available for a group of five or more under the age of 76.

Plan details Buy online
IMG Annual Multitrip Group Plans
Patriot Multitrip group
Best for Groups of travelers taking multiple tripsPre-existing conditions

Patriot Multi Trip Group Insurance offers medical insurance coverage for groups of travelers taking multiple trips in a year.

Patriot Multi Trip Insurance plan provides a policy maximum of $1M and for people in the age range of 70-75, the plan provides $50K This per-sickness and injury plan provides a deductible option of $250.

This group plan is available for a group of five or more under the age of 76.

Plan details Buy online
IMG Group insurance reviews
IMG Travel Group Plans
Patriot America Plus group
Best for Families sponsoring J1 visa holdersNewly arrived immigrants

Patriot America Plus Group Insurance offers medical insurance coverage for groups of non US citizens travelling to the USA.

Covers Acute onset of a pre-existing condition - Emergency Medical Evacuation

Plan details Buy online
Patriot Group Travel
Best for Students studying overseasNewly arrived immigrants

Patriot Group Travel Insurance is designed for any organization which has groups of at least 5 or more members travelling together.

Patriot America Lite Group - Coverage for Inside the US

Patriot International Lite Group - Coverage for Outside the US

Plan details Buy online
Patriot Platinum group insurance
Best for First class medical coveragePre-existing conditions

IMG Patriot Platinum Group plan is designed for Groups of travelers wanting first-class medical coverage, Vacationing families and individuals and Groups of executives.

This plan offers coverage up to $8M.

Plan details Buy online
Outreach group travel insurance
Best for Church groups traveling abroad on short-term outreach

Outreach group travel insurance is available for US citizens traveling outside the US with coverage for brief returns to the U.S.Non US citizens traveling outside their home country.

This plan offers coverage up to $1M.

Plan details Buy online
IMG Student Group Plan
Student Health Advantage Group Insurance
Best for Internationl students and Exchange scholarsMaternity

Student Health Advantage group insurance is a type of travel medical insurance for groups of five or more students, scholars, and who desire an annually renewable medical plan.

This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

Plan details Buy online
Student Health Advantage Platinum group insurance
Best for Internationl students and Exchange scholarsPre-existing conditions

Student Health Advantage Platinum group insurance is a comprehensive medical insurance plan for international students or scholars participating in a sponsored study abroad program.
This plan meets student visa requirements, includes benefits for maternity and and a six-month waiting period for pre-existing condition coverage.

Plan details Buy online
Patriot Exchange Group
Best for Students taking part in international programsScholars and Researchers

Patriot Group Exchange Group Insurance is designed for groups of students studying abroad or participants of a group cultural exchange program.

This insurance offers Coverage for pre-existing conditions.

Plan details Buy online
IMG GT Group travel insurance
Best for Group Travel protectionTrip cancellation

IMG Group Travel protection Insurance coverage for travel arrangement, travel investment, and travel belongings for groups of 10 or more travelers.

Offers Trip Cancellation up to 100% of insured trip cost
IMG Marine Crew insurance reviews

These plans offer coverage for professional marine captains and crew.
Global Crew Medical
Best for Comprehensive medical InsuranceProfessional marine crew

Global Crew Medical Insurance is offered to the persons less than 75 years of age.

Global Crew Medical Insurance is available to individuals of all nationalities.

Plan details Buy online
International Marine Medical
Best for Worldwide group insurance for expert marine crew

International Marine Medical Insurance is for professional marine captains and crew.

Primary to the vessel's Protection and Indemnity insurance plan (P&I)
IMG Sport insurance reviews

IMG Travel Sport insurance is specifically designed for adventure-seekers and offers flexible sport and adventure travel protection while away from home.
Travel Sport Insurance
Best for Adventure-seekersAdventure travel protection

IMG Travel Sport insurance is specifically designed for adventure-seekers and offers flexible sport and adventure travel protection while away from home.

This adventure sports insurance is available only for US residents and offered coverage both within the US as well as overseas.

Plan details Buy Online

International Medical Group (IMG) Insurance - FAQ's

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.

Yes, US citizens can buy International Medical Group (IMG) insurance for their international travel or as expatriates living outside the USA. IMG offers several plans that cater to the diverse needs of US citizens traveling or living outside the USA.
Some of the plans that IMG offers for US citizens are:

Patriot travel medical insurance: This provides short-term coverage for medical expenses, including Covid related expenses, emergency evacuation, and travel assistance services for individuals or groups traveling outside their home country.
Patriot platinum travel medical insurance: This provides enhanced benefits and higher limits than the Patriot Travel Medical Insurance plan along with COVID-19 coverage for travelers both to the US and from the USA.
Global medical insurance: This provides long-term coverage for individuals and families living abroad. It includes Expat insurance benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.
Patriot multi-trip medical insurance: This provides annual coverage for frequent travelers who make multiple trips throughout the year. It covers medical expenses, emergency evacuation, and travel assistance services for each trip.
GlobeHopper senior insurance: This plan addresses the insurance needs of older US citizens and seniors who are US permanent residents and need temporary medical insurance while traveling outside the US.

These are just some of the plans that IMG offers for US citizens. You can compare and choose the best IMG travel insurance for US citizens on American Visitor Insurance online.

The eligibility criteria for buying IMG insurance depends on the specific plan you want. IMG offers different plans for travel medical, international health, and travel insurance.
Here are some general eligibility criteria for each type of plan:

Travel Medical Insurance: These plans cover you for medical expenses, emergency evacuation, and travel assistance services while traveling outside your home country. To be eligible for this plan, you must be at least 14 days old and under 75 years old. You must also be traveling for a specific period of time, ranging from 5 days to 2 years, depending on the plan.
International Health Insurance: These plans are ideal for expats and covers you for medical expenses, preventive care, routine check-ups, and treatment for illnesses and injuries while living abroad or away from your home country. To be eligible for this plan, you must be at least 14 days old and under 75 years old. You must plan to live outside your home country for at least 6 months out of the 12 months covered by the plan year.
Travel Insurance: These plans cover you for financial losses due to trip cancellation, trip interruption, trip delay, baggage loss or damage, and medical expenses while traveling. To be eligible for this plan, you must be a US citizen or US permanent resident with a primary residence in the U.S. You must also buy the travel insurance plan within 15 days of making your initial trip deposit.

IMG Links

ID CARD CLIENT ZONE CLAIMS US PPO INTL. PPO RENEWAL

Claims Information

Claims Department International Medical Group P.O.Box 88500 Indianapolis, IN 46208-0500
Fax 317-655-4505
Toll Free Number 1.800.628.4664

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.

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

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.

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.