The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
|Hospital room and board||Subject to deductible and coinsurance for average private room rate|
|Surgery||Subject to deductible and coinsurance|
|Intensive care unit||Subject to deductible and coinsurance|
|Assistant Surgeon||20% of primary surgeon’s charge|
|Hospital Indemnity(Inpatient hospitalization outside the U.S. only)?||Private Hospitals: $400 maximum limit per overnight and $4,000 maximum limit per period of coverage
Public Hospitals: $500 maximum limit per overnight and $5,000 maximum limit per period of coverage. Not subject to deductible or coinsurance
|Chemotherapy or Radiation Therapy||Subject to deductible and coinsurance|
|Physical therapy||Subject to deductible and coinsurance. $50 maximum per visit|
|Treatment Outside the U.S.||50% of deductible waived, up to a maximum of $2,500. No coinsurance|
|Treatment Inside the U.S. (using Medical Concierge)||50% of deductible waived, up to a maximum of $2,500. No coinsurance|
|Treatment Inside the U.S. (PPO Network)||Subject to deductible. No coinsurance|
|Treatment Inside the U.S. (Non PPO Network)||Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage|
|Office visits and Diagnostic/X-Ray||Subject to deductible and coinsurance|
|CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy||Subject to deductible and coinsurance|
|Transplants||$1,000,000 lifetime maximum|
|Complementary Medicine||$500 maximum limit per period of coverage|
|Podiatry Care||$750 maximum limit|
|Emergency local ambulance(Injury or Illness resulting in an inpatient hospital admission)||Subject to deductible and coinsurance.U.S. only|
|Emergency Room Accident||Up to the maximum limit|
|Emergency room illness||Subject to deductible and coinsurance.Additional $250 deductible if not admitted as an inpatient|
|Emergency medical evacuation||Up to maximum limit. Not subject to deductible or coinsurance|
|Emergency reunion||$10,000 maximum limit. Not subject to deductible|
|Return of mortal remains or cremation/burial||$25,000 lifetime maximum. Not subject to deductible or coinsurance|
|Child Preventative Care( Through age 18)||$200 per period of coverage. Not subject to deductible or coinsurance.|
|Adult Preventative Care(Age 19 or older)||$250 per period of coverage. Not subject to deductible or coinsurance.|
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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.
Global Medical Gold Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
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