Notable Features
IMG is a reputable travel insurance provider that has been trusted by travelers around the world for more than 30 years. They offer five comprehensive policies on Squaremouth, each providing financial protection from delays, cancellations, medical emergencies, and other common travel disruptions at varying coverage limits.
In particular, IMG has made a name for itself because of its strong cancellation coverage. All policies cover 100% of trip costs for covered cancellations, and at least 125% of unused trip costs for policyholders who have to end their trip early. Certain policies offered by IMG provide up to $5,000 worth of coverage per person for delays, which is among the highest offered by any provider on Squaremouth.
IMG offers plans that appeal to a wide range of travelers, especially those who wish to protect their trip costs. Their plans that offer medical benefits are also competitive with the top travel medical policies found on Squaremouth and elsewhere, with select plans providing up to $500,000 in primary Emergency Medical coverage.
This provider summary was written internally by a Squaremouth policy expert.
At IMG, we know that the reasons to travel both domestically and internationally are many and varied — that’s why our products are too. Our full-service approach to providing travel protection and travel medical insurance products includes servicing vacationers, those visiting internationally for short or extended periods, people traveling frequently for work or holiday, and those who maintain multiple countries of residence. To meet our members’ needs, we have developed world class products featuring major medical, evacuation, dental and travel protection coverage.
Since 1990, we’ve supported millions of people in almost every country with customer service that’s second to none. Our dedicated team of international, multilingual specialists and highly trained customer service professionals back the benefits our members need with the services they want.
One call. One company. Your single resource. IMG offers a full line of international medical insurance, and trip cancellation plans, as well as 24/7 emergency medical and travel assistance to meet the needs of anyone traveling or residing away from home.
Policy Description:
The iTravelInsured Travel Lite plan is IMG’s basic travel insurance product, designed for domestic or international vacations. It includes comprehensive coverages at a competitive rate. It has our in-house Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $100,000 coverage for Accident & Sickness Medical Expenses, as well as protection for lost, damaged, or delayed baggage.
iTravelInsured Travel Lite Plan Highlights:
– Valid for US Residents
– Up to $100,000 in Emergency Medical Coverage
– $500,000 of Emergency Evacuation Coverage
Underwritten By: United States Fire Insurance Company
Underwritten Location: 305 Madison Avenue Morristown, New Jersey 07960
AM Best #: 002136
AM Best Rating: A (Excellent)
Policy Description:
The iTravelInsured Travel SE plan includes all the benefits as the Travel Lite plan with increased benefit levels for Accident & Sickness Medical Expense, Baggage, and additional coverage for Rental Car, Change Fee, and Missed Trip Connections. This plan includes a Pre-Existing Medical Exclusion Waiver when purchased within 20 days of making your initial trip deposit.
Travel SE Plan Highlights:
-Primary Coverage
-Valid for US Residents
-Up to $250,000 in Emergency Medical Coverage
-$500,000 of Emergency Evacuation Coverage
-For trip cost up to $100,000 per person
-Cancellation or Interruption benefits if your Pet or Service Animal is sick, injured, or dies.
-Cancellation or Interruption benefits for travel bans, travel alerts, or travel warning level 4 or higher
Underwritten By: United States Fire Insurance Company
Underwritten Location: 305 Madison Avenue Morristown, New Jersey 07960
AM Best #: 002136
AM Best Rating: A (Excellent)
Policy Description:
Patriot America Plus provides coverage for non-US citizens traveling outside their home country. The plan offers a complete package of international benefits available 24 hours a day to individuals and families. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of 5 days up to a maximum of two years, in accordance with the terms of the insurance contract.
Underwritten By: SiriusPoint Specialty Insurance Corporation
Underwritten Location: 140 Broadway, 32nd Floor, New York, New York 10005
AM Best #: 020919
AM Best Rating: A- (Excellent)
Policy Description:
The iTravelInsured Travel LX plan includes all the benefits as the Travel SE plan with increased benefit levels for Accident & Sickness Medical Expense, Medical Evacuation, Baggage, and additional coverage for Search and Rescue, Political or Security Evacuation and Natural Disaster Evacuation. This plan includes a Pre-Existing Medical Exclusion Waiver when purchased within 24 hours of making your final trip payment.
Travel LX Plan Highlights:
-Valid for US Residents
-Primary Coverage
-Up to $500,000 in Emergency Medical Coverage
-$1,000,000 of Emergency Evacuation Coverage
-For trip cost up to $100,000 per person
-Cancellation or Interruption benefits:
-If your pet or Service Animal is sick, injured, or dies.
-For travel bans, travel alerts, or travel warning level 4 or higher
-Sickness, injury, death, or hospitalization of your guide/outfitter
-Pregnancy or adoption
– Optional Cancel and Interruption for Any Reason
Underwritten By: United States Fire Insurance Company
Underwritten Location: 305 Madison Avenue Morristown, New Jersey 07960
AM Best #: 002136
AM Best Rating: A (Excellent)
Policy Description:
The iTravelInsured Essential plan is designed for U.S. residents traveling within the United States looking to protect their trip investments with our lowest-priced travel program. This plan provides limited, cost-effective coverage for trip cancellation, trip interruption and travel delay. With iTravelInsured Essential, you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason.
Travel Essential Plan Highlights:-Valid for US Residents.
-Travel Delay benefits $250 per day up to $2,000.
-Cancellation and Interruption benefits due to the U.S. State Department issuing a Level four (4) Travel Advisory for the Trip destination.
Underwritten By: SiriusPoint America Insurance Company
Underwritten Location: 1 World Trade Center 285 Fulton Street, 47 th Floor, Suite. 47J, New York, New York 10007
AM Best #: 002642
AM Best Rating: A- (Excellent)
Policy Description:
Provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product.
You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. IMG has developed two Patriot Platinum Travel Medical Insurance plans to provide you and your family superior protection and offer a complete package of international benefits available 24 hours a day. Patriot International Platinum provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America Platinum provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance.
Underwritten By: SiriusPoint Specialty Insurance Corporation
Underwritten Location: 140 Broadway, 32nd Floor, New York, New York 10005
AM Best #: 020919
AM Best Rating: A- (Excellent)
Policy Description:
Provides coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of your home country.
International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Travel with one of IMG’s two Patriot Lite travel medical insurance plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.
Underwritten By: SiriusPoint Specialty Insurance Corporation
Underwritten Location: 140 Broadway, 32nd Floor, New York, New York 10005
AM Best #: 020919
AM Best Rating: A- (Excellent)
Policy Description:
Provides coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of your home country.
International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Travel with one of IMG’s two Patriot Lite travel medical insurance plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.
Underwritten By: SiriusPoint Specialty Insurance Corporation
Underwritten Location: 140 Broadway, 32nd Floor, New York, New York 10005
AM Best #: 020919
AM Best Rating: A- (Excellent)
Policy Description:
Provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product.
You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. IMG has developed two Patriot Platinum Travel Medical Insurance plans to provide you and your family superior protection and offer a complete package of international benefits available 24 hours a day. Patriot International Platinum provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot America Platinum provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of five days up to a maximum of three years, in accordance with the terms of the Certificate of Insurance.
Underwritten By: SiriusPoint Specialty Insurance Corporation
Underwritten Location: 140 Broadway, 32nd Floor, New York, New York 10005
AM Best #: 020919
AM Best Rating: A- (Excellent)
IMG customer service was helpful when we decided a few months before our trip started, to extend the number of days we would be gone. Then they helped again when we decided to book a few more non-refundable activities to help with adding additional coverage.
I am in the process of filing a Trip Interruption Claim. I started the claim using the IMG portal, spending HOURS uploading documents only for them to disappear from my saved claim a few days later. I have spoken to the customer service reps at IMG and they are terrible. Impolite, uninformed and unhelpful. I did speak withe one competent and helpful rep who told me that the IMG online claim system is unreliable and documents are often lost. He emailed me a PDF form to complete manually. This is ridiculous.
I will be completing the claim over the next few weeks, likely manually and scanning and emailing.
So far, based on my initital contact with IMG, i would NEVER use them again NOR would I recommend them to anyone.
Everyone I spoke with was polite, professional and knowledgeable .
All reviews are from IMG customers
For Use With These Policies: iTravelInsured Travel Essential, iTravelInsured Travel LX Basic, iTravelInsured Travel SE, iTravelInsured Travel Lite
Monday - Friday 7am-6pm EST
Everyday, 24 hours per day
For Use With These Policies: Patriot America Platinum, Patriot America Plus, Patriot International Lite, Patriot International Platinum, Patriot America Lite
Everyday, 24 hours per day
Everyday, 24 hours a day