|Coverage Type||Primary to P&I|
|Rate Guarantee||Initial 12 months|
|Deductible - Calendar Year||Select from deductible options $100 to $10k|
|Medical expenses incurred in the U.S., in-network||Plan pays 50% of eligible charges|
|Medical expenses incurred in the U.S, out-of-network||Plan pays 50% of eligible charges|
|Medical expenses incurred internationally||Plan pays 50% of eligible charges|
|Wellness Benefit - Available after 12 months on plan||Plan pays up to $250 per calendar year|
|Illness or Accident Benefit||Subject to deductible & coinsurance|
|In-patient & Out-patient||Subject to deductible & coinsurance|
|Emergency Room - Injury||Not subject to Emergency Room Deductible in U.S. (subject to deductible & coinsurance outside U.S.)|
|Emergency Room - Illness||Subject to an additional $250 deductible if treatment does not require admittance to the hospital (waived outside U.S.)|
|Emergency Local Ambulance||Subject to deductible & coinsurance|
|Hospital Indemnity||Overnight maximum limit: $100; maximum overnight limit: 20; maximum limit: $2k; only available internationally|
|Emergency Medical Evacuation||$1M lifetime maximum benefit per person|
|Emergency Reunion||$10k lifetime maximum benefit|
|Supplemental Accident||$300 maximum limit per covered accident|
|Return of Mortal Remains||$25k maximum limit; $10k local burial/cremation maximum limit|
|Transplant||$1M lifetime maximum|
|Home Nursing Care, Extended Care Facility||Subject to deductible & coinsurance|
|Physical Therapy||$75 maximum limit per visit; medical order or treatment plan required|
|Prescriptions||Subject to deductible & coinsurance|
|Mental or Nervous, Substance Abuse, & Counseling||$20k lifetime maximum|
|Sudden & Unexpected Reoccurrence of Pre-existing Conditions||Up to the calendar year maximum limit|
|Pregnancy & Newborn Care||Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life; subject to deductible and coinsurance|
|Pregnancy Complications||Subject to deductible & coinsurance|
|Amateur Sailboat Racing||Subject to deductible & coinsurance|
|Crew Member Return||$2.5k maximum limit|
|Emergency Dental||Subject to deductible & coinsurance; accident-related|
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.