International Medical Group Travel Insurance for Flights

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, one can cancel the IMG plan if there is no claim on the policy and if the traveler :

1. Requests for cancellation is made within the 10 day free look period after buying the insurance
2. Requests for cancellation before the start of the trip

The trip costs will include all non-refundable expenses such as the airline ticket costs, cruise expenses, hotel booking costs .... In the event of an unplanned cancellation of the trip, these expenses which would otherwise be lost will be covered by the IMG trip cancellation plans.

No, the IMG plans are not renewable.

The pre-existing conditions coverage varies depending on the IMG plan.

1. The IMG Lite plan does not cover Pre-existing conditions
2. The IMG SE plan covers pre-existing conditions if the insurance is bought within 20 days of the initial trip deposit
3. The IMG LX plan covers pre-existing conditions if the insurance is bought within 24 hours of trip payment.

Only the IMG LX plan offer Cancel for any reason (CFAR). The IMG Lite and IMG SE plans provide trip cancellation only for covered reasons.

Trip cancellation coverage is available if the entire trip is cancelled even before the start of the trip (this is even before the trip start date). Trip interruption coverage is applicable only after the start of the trip. Trip interruption comes is applicable if the trip is cancelled for a valid covered reason (unless you have the Travel LX plan which covers CFAR), after the start of the trip and here the insured traveler has to return to his/her home country.

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

There isn’t a specific “quarantine” benefit, but benefits could apply under both IMG travel Insurance’s Trip Interruption and Travel Delay benefits. Trip interruption would generally reimburse for the prepaid, unused, nonrefundable elements of the trip that are lost. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well.

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG travel Insurance’s Travel Delay benefit. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well. Benefits would apply to an insured traveler OR a travel companion.