IMG Travel Insurance Reviews

Visitors Care Lite is the cheapest travel medical insurance for visiting USA

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $25,000 maximum limit.
• Acute on set of pre-existing conditions: Covers up to policy maximum for ages up to 70 years.
• Urgent Care: Up to $40 max per visit/10 max visits.
• Renewable: Can be renewable and extendable up to 24 months.
• Visitors Care Lite cost for 40 year old traveler ranges from $24 to $27 for a month.

Visitors Care Plus is ideal for visitors seeking enhanced medical coverage with affordable hospital and outpatient benefits.

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $50,000 maximum limit.
• Acute on set of pre-existing conditions: Covers up to policy maximum for ages up to 70 years.
• Urgent Care: Up to $70 max per visit/10 max visits.
• Renewable: Can be renewable and extendable up to 24 months.
• Visitors Care Plus cost for 40 year old traveler ranges from $32 to $41 for a month.

Visitors Care Platinum is a premium fixed benefits plan.

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $1,00,000 maximum limit.
• Acute on set of pre-existing conditions: Covers up to policy maximum for ages up to 70 years.
• Urgent Care: Up to $70 max per visit/10 max visits.
• Renewable: Can be renewable and extendable up to 24 months.
• Visitors Care Platinum cost for 40 year old traveler ranges from $24 to $54 for a month.

Patriot Lite is a affordable short-term medical insurance for U.S. visitors with customizable options.

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $1,000,000 per person.
• Acute on set of pre-existing conditions:Not Covered.
• Urgent Care: Up to $25 copay.
• Renewable: Can be renewable and extendable up to 24 months.
• Patriot America Lite cost for 40 year old traveler ranges from $48 to $157 for a month.

Patriot America Plus is a comprehensive medical coverage for visitors to the U.S. including acute onset of pre-existing conditions.

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $1,000,000 per person
• Acute on set of pre-existing conditions: Covers up to policy maximum for ages up to 70 years
• Urgent Care: Up to $25 copay
• Renewable: Can be renewable and extendable up to 24 months
• Patriot America Plus cost for 40 year old traveler ranges from $52 to $168 for a month.

Visitors Protect plan is a best plan with pre-existing conditions up to 99 years

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $25,000 maximum limit.
• Pre-existing conditions: Covers up to 99 years.
• Urgent Care: In network pays up to $25 and out of network pays up to $50 copay.
• Renewable: Can be renewable and extendable up to 364 days.
• Visitors Protect cost for 40 year old traveler ranges from $99 to $249 for a month.

Visitors Preferred is a top rated visitor insurance with coverage for pre-existing conditions and urgent care.

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $1,000,000 per person.
• Acute on set of pre-existing conditions: Covers up to policy maximum for ages up to 70 years.
• Urgent Care: Up to $25 copay.
• Border entry protection: Up to $500 per person.
• Renewable: Can be renewable and extendable up to 24 months.
• Visitors Preferred cost for 40 year old traveler ranges from $52 to $174 for a month.

Patriot Platinum insurance offering coverage up to $8 million, designed for long-term stays or high-risk travelers

• Direct billing: Through  United health care or
   First health care.
• Medical evacuation: Up to $8,000,000 per person
• Acute on set of pre-existing conditions: Covers up to policy maximum for ages up to 70 years.
• Urgent Care: Up to $25 copay.
• Renewable: Can be renewable and extendable up to 36 months.
• Patriot Platinum cost for 40 year old traveler ranges from $63 to $361 for a month.

Best travel insurance plan with pre-existing coverage for travel outside USA.

• Trip Cancellation: Covers Up to 100% of Trip Cost.
• Emergency Evacuation: Up to $1,000,000 per person.
• Urgent Care: Up to $25 copay.
• Renewable: Can be renewable and extendable up to 24 months
• Patriot International Lite cost for 40 year old traveler ranges from $37 to $90 for a month.

Ideal for US seniors 65+ as it supplements Medicare with flexible travel medical coverage.

• Medical evacuation: Up to $1,000,000 per person.
• Unexpected recurrence pre-existing conditions: Covers up to $2,500 maximum.
• Trip Interruption: Up to $5,000 maximum limit.
• Political evacuation : Up to $50,000 maximum.
• Globehopper Senior single trip cost for 65 year old traveler ranges from $129 to $239 for a month.

Patriot Exchange Program ideal for J1 and F1 visa holders needing affordable, short-term coverage that meets U.S. visa requirements

• Direct billing: Through  United health care
• Pre-existing conditions: Covers after 12 months of waiting period.
• Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000.
• Student health Centre: $5 per visit.
• Add on benefits: Adventure sports, College sports, device protection.
• Renewal: Can be renewed and extended up to 24 months.
• Patriot Exchange insurance cost for 20 year old traveler ranges from $50 to $103 for a month.

Student Health Advantage Standard ideal for international students needing affordable coverage for medical emergencies and basic care

• Direct billing: Through  United health care
• Pre-existing condition: Covers after 12 months of waiting period.
• Payment option: Monthly or Annual Payment options available.
• Renewal: Can be renewed and extended up to 60 months.
• Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000.
• Add on benefits: Adventure sports, College sports, device protection.
• Student health Centre: $5 per visit.
• Student Health Advantage Standard insurance cost for 20 year old traveler starts at 124 for a month.

Student Health Advantage Platinum is best for international students needing premium coverage with maternity, mental health, and wellness benefits

• Direct billing: Through  United health care
• Maternity: Covers up to $5,000.
• Pre-existing conditions: Covers after 6 months of waiting period.
• Renewal: Can be renewed and extended up to 60 months.
• Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000.
• Add on benefits: Adventure sports, College sports, device protection.
• Student health Centre: $5 per visit.
• Student Health Advantage Platinum insurance cost for 20 year old traveler starts at 370 for a month.

Student journey lite is the cheapest student insurance for non-U.S. students in the USA

• Direct billing: Through  United health care
• Pre-existing conditions: Covers after 6 months of waiting period.
• Mental health coverage: Outpatient: 80% up to 40 visits or $5,000; Inpatient: 80% up to 30 days.
• Maternity: $5,000 for normal delivery; $7,500 for C-section.
• Medical evacuation: Up to $60,000.
• Optional adventure sports: covered up to 64 years.
• Renewal: It can be renewable up to 364 days.
• Student journey lite insurance cost for 20 year old traveler starts at 30 for a month.

Student journey plus is ideal for international students needing mid-level coverage with outpatient, prescription, and emergency benefits

• Direct billing: Through  United health care
• Pre-existing conditions: covers after 6 months of waiting period.
• Mental health coverage: Outpatient: 80% up to 40 visits or $5,000; Inpatient: 80% up to 30 days.
• Maternity: 80% in network / 60% out of network.
• Medical evacuation: Up to $120,000.
• Optional adventure sports: Covered up to 64 years.
• Renewal: It can be renewable up to 364 days.
• Student journey Plus insurance cost for 20 year old traveler starts at 48 for a month.

Student Journey Platinum is Ideal for students needing premium coverage with maternity, mental health, and wellness benefits

• Direct billing: Through  United health care
• Pre-existing conditions: Covers after 6 months of waiting period.
• Mental health coverage: 80% in network / 60% out of network.
• Maternity: 80% in network / 60% out of network.
• Medical evacuation: Up to unlimited.
• Optional adventure sports: Covered up to 64 years.
• Renewal: It can be renewable up to 364 days.
• Student journey Platinum insurance cost for 20 year old traveler starts at 74 for a month.

Most affordable trip cancellation insurance for U.S. residents covers trip costs up to $10,000

• Trip Cancellation: Up to 100% of trip cost
• Trip Interruption: Up to 150% of trip cost
• Medical coverage: Up to $100,000, with the option to enhance coverage up to $250,000 per person
• Pre-exisiting condition exclusion waiver: Covered if purchased within 21 days of intial payment
• Medical evacuation: Up to $500,000, with the option to enhance coverage up to $1,000,000 per person
• Optional Cancel for any reason: Up to $75% of non-refundable trip cost
• iTravelInsured Choice insurance starts at $39 for a 15-day trip for a 25-year-old traveler.

ITravelinsured travel lite is a budget-friendly travel protection ideal for basic coverage needs.

• Trip Cancellation: Up to 100% of Trip Cost.
• Trip Interruption: Up to 125% of trip cost.
• Medical coverage: Up to $100,000 per person
• Pre-exisiting condition exclusion: Covered 60 days prior to effective plan date
• Medical evacuation: Up to $500,000 per person.
• Travel delay: Up to $125 per day per person ($500 max per person).
• iTravelInsured Lite insurance starts at $33 for a 15-day trip for a 25-year-old traveler.

Itravelinsured SE is a Family-friendly plan with coverage for children and trip cancellation benefits.

• Trip Cancellation: Up to 100% of trip cost.
• Trip Interruption: Up to 150% of trip cost.
• Medical coverage: Up to $150,000 per person.
• Pre-exisiting condition exclusion waiver: Covered if purchased within 20 days of initial trip payment
• Medical evacuation: Up to $500,000 per person.
• Rental Car damage: Up to $40,000.
• Missed connection: Up to $500 per person.
• iTravelInsured SE insurance starts at $41 for a 15-day trip for a 25-year-old traveler.

Itravelinsured Lx is a luxury travel coverage with CFAR, trip interruption, and high-limit medical benefits.

• Trip Cancellation: Covers Up to 100% of Trip Cost.
• Trip Interruption: Covered up to 150% of trip cost.
• Medical coverage: Up to $500,000 per person.
• Pre-exisiting condition exclusion waiver: Covered if purchased within 24 hours of final trip payment
• Emergency Evacuation: Up to $1,000,000 per person.
• Rental Car damage:Up to $40,000.
• Optional Cancel for any reason: Up to $75% of non-refundable trip cost
• Search and Rescue: Up to $10,000 per person
• iTravelInsured LX insurance starts at $102 for a 15-day trip for a 25-year-old traveler.

Global medical silver is a affordable long-term travel health insurance , up to 75 years

• Medical evacuation: Up to $50,000 maximum.
• Mental health coverage: Covers after 12 months of coverage.
• Pre-existing conditions: Covers after 24 months of waiting period.
• Repatriation of Remains: Up to $25,000 maximum limit.
• Preventive coverage: Up to $250 lifetime maximum.
• Global medical silver insurance cost for a 40-year-old traveler starts at $398 per year.

Global medical Bronze is a most affordable long-term travel health insurance , up to 74 years

• Medical evacuation: Up to $50,000 maximum.
• Physical therapy: Up to 40 maximum per visit - 10 visit limit per event.
• Pre-existing conditions: Not Covered.
• Repatriation of Remains: Up to $25,000 maximum limit.
• Transplants: Up to $250,000 maximum limit.
• Global medical Bronze insurance cost for a 40-year-old traveler starts at $287 per year.

Global medical Gold is ideal for long-term travelers who want comprehensive health coverage , up to 74 years

• Medical evacuation: Up to lifetime maximum.
• Mental or nervous: Up to $50,000 lifetime maximum.
• Pre-existing conditions: Covers after 24 months of waiting period.
• Podiatry Care: Up to $750 maximum.
• Repatriation of Remains: Up to $25,000 maximum limit.
• Global medical Gold insurance cost for a 40-year-old traveler starts at $654 per year.

Global medical Platinum is a premium international health coverage with the highest benefit limits for travelers age up to 74 years

• Medical evacuation: Up to lifetime maximum.
• Mental or nervous: Up to $50,000 lifetime maximum.
• Pre-existing conditions: Covers after 24 months of waiting period.
• Maternity: Up to $50,000 maximum.
• Podiatry Care: Up to $750 maximum.
• High school sports: Up to $20,000 maximum.
• Repatriation of Remains: Up to $25,000 maximum limit.
• Global medical Platinum insurance cost for a 40-year-old traveler starts at $1,115 per year.

Patriot Annual insurance covers multiple trips throughout the year, each up to 30, 60, or 90 days based on the chosen plan

• Eligibility: US or Non US citizens traveling outside their home country for business or pleasure.
• Coinsurance: In Network: 100% up to the maximum limit; Out of network: 80% up to $1,000, then 100%.
• Emergency medical evacuation: Up to maximum limit.
• Repatriation of Remains: Up to maximum limit.
• Sudden and Unexpected Recurrence of Pre-existing Conditions: $5,000 maximum limit.
• Lost luggage: Maximum Limit per item $150, $500 maximum limit.
• Patriot Multi-trip America insurance cost for a 40 year old traveler starts from $328 per year covering trips up to 30 days

Globehopper senior annual insurance covers multiple trips throughout the year, each up to 30 or 45 days based on the chosen plan

• Eligibility: U.S. residents traveling outside their home country.
• Coinsurance: Plan pays 100% up to policy maximum.
• Emergency medical evacuation: Up to $1,000,000.
• Sudden and Unexpected Recurrence of Pre-existing Conditions: $2,500 maximum limit.
• Lost luggage: Maximum Limit per item $250, $50 maximum per item.
• Trip Interruption: Up to $5,000 maximum.
• Globehopper Senior Multi-trip Insurance cost for 65 year old traveler starts from $264 per year covering trips up to 30 days

Outreach Travel Medical Insurance provides protection for missionaries and mission groups travelling abroad.

• Medical evacuation: Up to $500,000 maximum.
• Repatriation of remains: Up to $50,000 maximum.
• Sports & activity coverage: Up to policy maximum.
• Sudden and unexpected recurrence of pre-ex: Up to age 65 with primary: policy max; under 65 without primary: $20,000 max; age 65+ with/without primary: $2,500 max..
• Renewal: It can be renewable up to 24 months.
• Outreach Travel Medical insurance cost for 40 year old traveler ranges from $59 to $193 for a month.