Pros & Cons
Overview
Reviews
Plans & Coverage
Cost of Plans
The Bottom Line
Our Take: IMG is one of the most affordable providers on our site across a range of travel needs, including budget, luxury travel, and medical coverage. It stands out from other insurers with its catalog of unique offerings, such as medical-only and cancellation-only plans. However, most plans lack Cancel For Any Reason (CFAR) and customization options.
Pros & Cons of IMG Travel Insurance
- Many of its plans are among the lowest cost options on our platform
- Highest medical coverage limits on Squaremouth
- Primary medical coverage helps reimburse claims faster
- Offers a wide selection of plans that distinctly fit different niches, including basic, luxury, cruise, medical-only, and cancellation-only
- One of few providers with coverage for visitors to the U.S.
- Long window for time-sensitive benefits, including pre-existing conditions coverage
- One of few providers with a cancellation-only plan, which provides low-cost cancellation coverage in some cases
- Lack of customization via upgrades, and add-ons
- Most plans impose a $250 medical deductible
- Our customers have noted IMG’s slow claims process
- Limited customer service hours
- The only plan with CFAR is its luxury Travel LX plan
Is IMG a Good Travel Insurance Company?
IMG, short for International Medical Group, is a first-rate travel insurance company that consistently ranks as one of the most popular travel insurance providers on Squaremouth. It stands out from other insurers with its catalog of unique offerings, such as travel health insurance plans for visitors to the U.S., coverage offered by only 2 other providers on our site, and one of the few cancellation-only plans on the market.
IMG is also one of the most affordable providers on our marketplace. Our data consistently shows that it provides the broadest coverage for the lowest price for a variety of traveler types including budget travelers, luxury travelers, and cruisers. Its plans include a 21-day window to get pre-existing condition coverage, one of the longest periods on our platform. Its Patriot America Platinum and Patriot International Platinum policies boast the highest medical coverage limits found on Squaremouth, offering up to $2 million in coverage for Emergency Medical and Medical Evacuation benefits.
IMG also has a strong customer service record, with an A.M. Best Rating of A- (Excellent) and an A+ rating from the Better Business Bureau (BBB). More than 3,000 customers on Squaremouth give IMG an overall satisfaction rating of 4.21 out of 5.
Some potential drawbacks include a lack of customization options like CFAR and Rental Car Damage protection. Also, some IMG customers complain about communication difficulties during the claims process.
IMG Travel Insurance Customer Reviews
Ready to explore your options? Compare IMG plans against other top providers.
What Types of Plans Does IMG Offer?
IMG offers 5 plan types: Its comprehensive and cruise plans cover common travel disruptions, including cancellations, interruptions, and medical expenses. Its cancellation-only plan covers the same disruptions as its comprehensive plans, but with no medical coverage. It also offers medical-only plans that are focused on medical coverage, and visitor’s insurance that covers medical expenses for travelers visiting the U.S.
Comprehensive Travel Insurance
- iTravelInsured Choice: IMG’s base-level comprehensive plan, which meets our recommended limits for Medical Evacuation and Emergency Medical, and core coverage for common disruptions. It also includes a pre-existing condition waiver.
- iTravelInsured Travel LX: IMG’s top-tier comprehensive plan for travelers with expensive or complex trips. It includes the highest coverage limits, as well as car rental damage protection, and automatic CFAR and Interruption For Any Reason (IFAR) coverage.
- iTravelInsured Travel LX Basic: Similar to IMG’s LX plan, but with no CFAR or IFAR coverage.
Cruise Insurance
- iTravelInsured Choice Cruise: A comprehensive cruise plan that’s similar to Choice, but with additional, cruise-specific benefits, like cancellation due to low water levels.
Medical-Only Travel Insurance
- Patriot International Lite: IMG’s base medical travel insurance plan, with $50,000 in secondary Emergency Medical and $1 million in Medical Evacuation coverage. It includes Emergency Medical coverage for acute onset of a pre-existing condition up to $50,000, depending on your age and health insurance coverage.
- Patriot International Platinum: High-limit medical travel insurance, with $1 million in secondary Emergency Medical coverage, $1 million in Medical Evacuation, and up to $1 million in Emergency Medical for unexpected recurrence of a pre-existing condition if you have primary health insurance.
Cancellation-Only Travel Insurance
- iTravelInsured Travel Essential: A rare, cancellation-only plan that covers common trip disruptions including cancellations and interruptions, but has no medical coverage.
Visitors Insurance for Travelers to the U.S.
- Patriot America Lite: IMG’s most basic visitor’s insurance plan, with $50,000 in secondary Emergency Medical and $1 million in Emergency Evacuation coverage, and no pre-existing condition coverage.
- Patriot America Plus: A budget plan for visitor’s insurance that includes the same medical limits as Lite, plus coverage for acute onset of pre-existing conditions.
- Patriot America Platinum: A high-limit visitor’s insurance plan, with $2 million in Emergency Evacuation and secondary Emergency medical coverage, and up to $1 million for recurrence of pre-existing conditions for travelers under 70.
What Does IMG Travel Insurance Cover?
All IMG travel insurance plans, aside from its cancellation-only plan, cover Emergency Medical and Evacuation, with limits that vary by plan. Its iTravelInsured plans provide comprehensive coverage for common disruptions, including cancellations, interruptions, delays, missed connection, and baggage loss.
The exception is iTravelInsured Travel Essential, a cancellation-only plan that does not include medical coverage.
| Plan | Medical |
Evacuation & Repatriation |
Trip Cancellation | Trip Interruption | CFAR Option |
|---|---|---|---|---|---|
| iTravelInsured Travel LX | $500,000 Primary | $1,000,000 | 100% of the trip cost | 150% of the trip cost | |
| Patriot America Plus | $50,000 Secondary | $1,000,000 | No coverage | $10,000 per person | |
| iTravelInsured Travel LX Basic | $500,000 Primary | $1,000,000 | 100% of the trip cost | 150% of the trip cost | |
| Patriot America Platinum | $2,000,000 Secondary | $2,000,000 | No coverage | $10,000 per person | |
| Patriot America Lite | $50,000 Secondary | $1,000,000 | No coverage | $10,000 per person | |
| Patriot International Lite | $50,000 Secondary | $1,000,000 | No coverage | $10,000 per person | |
| Patriot International Platinum | $1,000,000 Secondary | $1,000,000 | No coverage | $10,000 per person | |
| iTravelInsured Choice | $100,000 Primary | $500,000 | 100% of the trip cost | 150% of the trip cost | |
| iTravelInsured Choice Cruise | $100,000 Primary | $500,000 | 100% of the trip cost | 150% of the trip cost |
What Upgrades Does IMG Travel Insurance Offer?
IMG falls short on customization options, and many plans don’t offer any upgrades at all. While coverage may be sufficient in many cases, it may fall short if you need CFAR or increased medical limits for a remote trip.
Some plans do offer upgrades, including:
- Increased Emergency Medical limit as high as $8 million, depending on the plan
- Increased Medical Evacuation limit as high as $8 million, depending on the plan
- Adjust medical deductible as low as $0 or as high as $25,000 per person
- Increased Sports & Activities limit as high as $30,000
What’s Missing From IMG Travel Insurance Coverage?
IMG typically excludes foreseen incidents and has other common exclusions like elective healthcare and drug and alcohol-related incidents, but also has a few notable exclusions, including:
- Terrorist events in cities with recent terrorist attacks: IMG has one of the longest lookback periods for cancellations due to a terrorist event. Depending on the plan, terrorist attacks may not be covered if a city had an attack 60-90 days before you purchased coverage. Many competitors only look back 30 days, or don’t have a lookback period.
- Hazardous sports and activities: IMG’s Choice and Choice cruise plans have very broad exclusion language on hazardous sports that could potentially exclude hazardous activities like zip-lining and snorkeling. Its Patriot plans specifically exclude zip-lining, hot air ballooning, windsurfing, caving, and rappelling. Its LX plans, on the other hand, do cover many adventure activities. You should use our sports and activities filter on our quote form to make sure your activities are covered.
- Bankruptcy of travel providers that resell travel arrangements: IMG’s Choice plan excludes travel resellers from its bankruptcy coverage, which could potentially exclude bankruptcy of a tour packager or booking agency.
- Pre-existing conditions: Some IMG policies have very long lookback periods for pre-existing conditions. iTravelInsured Travel Essential has a 180-day lookback period, and the Patriot plans have a 3-year lookback period. Note, you may still get coverage with these plans if you qualify for a pre-existing condition waiver.
How Much Does IMG Cost?
One of IMG’s biggest strengths is its value for the money. It ranks as the 4th lowest-cost provider on our site for medical-only travel insurance with an average premium of $28.19, and the 6th lowest-cost provider for comprehensive travel insurance with an average premium of $226.93.
Its cancellation-only insurance costs $193.43 on average. While it’s not the cheapest option overall compared to other plans that include Trip Cancellation, it is one of the lowest-cost options for people aged 70 and older, and so can make sense for seniors who only need to insure trip costs.
In fact, IMG is often the lowest-cost option overall when compared to plans with similar benefits and medical limits. Providers with lower average premiums than IMG generally tend to offer fewer benefits and lower limits.
The chart below details how IMG premiums compare to other top-rated providers.
* The average premium is calculated using the last 12 months of sales, not including trip cancellation, for consumers ages 20 to 59, with a trip length between 4 to 16 days.
* The average premium is calculated using the last 12 months of sales, including trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999.
How Does IMG Compare to its Competitors?
IMG typically provides the lowest premium for the level of coverage it provides, including its comprehensive travel insurance, medical-only, cruise coverage, and luxury travel plans. Its adventure travel plans are an exception, with Detour Access and Tin Leg Adventure often offering lower premiums.
When comparing IMG’s most popular plan, iTravelInsured Choice, to similar plans, IMG provides the best coverage for the price in most cases, with a few exceptions:
- Travel Insured International FlexiPAX offers better pricing for families and customizability, including the option to add CFAR.
- Trawick Pathway Essential, along with a few other plans, costs less on average, but does not provide adequate Emergency Medical for international travel.
| IMG iTravelInsured Choice | Travel Insured International FlexiPAX | Tin Leg Gold | Trawick Pathway Essentiale | |
|---|---|---|---|---|
| Emergency Medical | $100,000/person Primary | $100,000/person Primary | $500,000/person Primary | $25,000/person Primary |
| Medical Evacuation | $500,000/person | $500,000/person | $500,000/person | $250,000/person |
| Pre-Existing coverage | Within 21 days of trip deposit | Within 21 days of trip deposit | Within 14 days of trip deposit | No coverage |
| CFAR Upgrade? | No | Yes | Yes | No |
| Other Upgrade Options? | No | Yes, including higher Emergency Medical limit | No | No |
| Average Premium for Plan | $374.64 | $425.63 | $228.90 | $295.03 |
Is IMG Worth the Cost?
IMG is worth it if you’re looking for strong coverage at a relatively low price. Its travel medical policies are some of the most competitively priced on the market. Meanwhile, its comprehensive plans offer generous medical and evacuation limits without carrying the premium price tag of other providers. IMG can be a great choice if you’re on a budget or want dependable protection while away from home.
However, IMG also has a few downsides, including limited upgrade options, no CFAR option on some plans, and some complaints from consumers about the claims process.
If IMG doesn’t fit your needs, consider the alternatives below:
Alternatives to IMG Travel Insurance
| Travel Insured International | Tin Leg | Trawick Pathway Essential | |
|---|---|---|---|
| Overall Coverage | It offers flexible and comprehensive plans, including high medical limits, customizable policies, and a plan for every budget. | Comprehensive high limits for medical and trip interruption | Comprehensive high limits for medical and trip interruption |
| Cost | Competitive pricing, especially for medical-heavy plans. | Competitive pricing, especially for comprehensive plans | Competitive pricing, especially for comprehensive plans |
| Customer Rating | 4.4 Very Good | 4.5 Very Good | 4.1 Good |
| AM Best Rating | A++ (Superior) | A++ (Superior) | A- (Excellent) |
| Unique Benefits | Travel delay coverage kicks in after three hours—half the time of competitors. It also offers coverage for pre-existing conditions with high medical limits. | Layoff and work reason cancellation, financial default coverage | Layoff and work reason cancellation, financial default coverage | Insurance Partners | Backed by United States Fire Insurance Company. | Backed by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company. | Backed by AmTrust Insurance Company and Starr Indemnity & Liability Company. |
FAQs: IMG
Yes, in fact, IMG’s iTravelInsured Choice option is currently leading our list of Best Travel Insurance for Seniors. This is due to its high medical reimbursement rates, affordability, and reliable pre-existing condition coverage.
None of IMG’s plans impose age restrictions, so all of their plans will cover travelers aged 65+.
IMG is best known for its high medical coverage limits and vast coverage options. Specifically, their Patriot Platinum plans offer up to $2,000,000 in Emergency Medical and Medical Evacuation coverage, which is more than any other plan found on our platform.
It depends on the plan. IMG’s comprehensive policies, for example, include the most in-demand travel insurance benefits like Trip Cancellation, Emergency Medical, Medical Evacuation, Travel Delay, and more. However, their medical-only policies will mainly feature just medical and evacuation coverage.
A full summary of each plan, including benefits and respective coverage limits, can be found in the policy comparison above.
Yes, most IMG policies offer a pre-existing condition waiver to eligible travelers. This waiver removes any exclusions from the policy that relate to pre-existing health issues that may flare up during the trip.
To be eligible for a waiver, you must purchase your policy within a time-sensitive window, which varies by plan. For example, the time-sensitive window for iTravelInsured Choice is 21 days after your initial trip deposit, while IMG’s iTravelInsured Travel LX Basic allows you to qualify for a waiver as long as you purchase your plan anytime before your final trip payment.
Review your policy’s Certificate of Insurance or contact IMG directly for more information about qualifying for a pre-existing condition waiver.
Yes, IMG is one of a handful of providers on our site with cruise-specific travel insurance. IMG Choice Cruise is our most affordable cruise-specific plan, with $100,000 in Emergency Medical and $500,000 in Medical Evacuations, $500 per person in Missed Connection coverage, bankruptcy and financial default coverage, and hurricane coverage.
It’s one of 4 plans on our site that covers cancellation due to low water levels. It also covers government-mandated shutdowns of a cruise port.
IMG has a mixed record for paying out insurance claims. It has a strong financial rating with an A.M. Best Rating of A- (Excellent), and an overall high customer service rating on Squaremouth.
However, it ranks lower than many providers for claims experience, with some reviewers stating that their claims were processed quickly, and others complaining about a slow process and unresponsive customer service.
If your claim is delayed for a plan purchased on our site, our Zero Complaint Guarantee gives you access to licensed claims adjusters, who can mediate on your behalf.
Yes, you can cancel IMG Travel Insurance by calling their customer service line or submitting a request via email. However, you may not be eligible for a refund unless you cancel during the policy’s Free Look period, which ranges from 3-10 days from the policy’s date of purchase, depending on the plan.
IMG generally costs less than Seven Corners across comparable plans. However, Seven Corners has a few advantages over IMG, including a higher overall customer satisfaction rating, and very high medical limits. It’s a better choice for people with a high risk of a medical emergency or who are traveling to very remote areas.
You can retrieve a certificate from IMG’s website, by visiting the IMG Plan Documents page and inputting your policy number and member ID. Or, you can log into IMG’s member portal or the IMG mobile app to download your plan certificate.
You can submit a claim with IMG online, by email, or by mail with IMG using the contact information below. You should notify IMG promptly after an event occurs to verify coverage and the documents needed to submit your claim, and to avoid missing filing deadlines. See our guide for filing a travel insurance claim for more tips.
Contact Information for IMG
Customer Service: 866-347-6673 or 317-655-9796
Hours of Operation:
Monday-Friday 8am-7pm EST
Claims Phone: 866-243-7524 or 317-655-9798
Claims Hours of Operation:
Monday-Friday 8am-7pm EST
Mail to:
IMG iTravelInsured Claims
P.O. Box 241853
Apple Valley,
Minnesota
55124
Emergency Assistance:
Inside USA: 317-655-4500 ext (0)
Outside USA: 317-655-4500 ext (0)
Claims Email: itravelclaims@imglobal.com
Fax: 317-927-6882
Provider Claims Website: Please click here
Customer Service: 317-655-4500
Hours of Operation:
Monday-Friday 7am-8pm EST
Claims Phone: 317-655-9798
Claims Hours of Operation:
Monday-Friday 7am-8pm EST
Mail to:
IMG
c/o International Medical Group, Claims Department
PO Box 240429
Apple Valley,
Minnesota
55124
Emergency Assistance:
Inside USA: 317-655-4500
Outside USA: 317-655-4500
Claims Email: iTravelclaims@iTravelInsured.com
Fax: 1-317-927-6882
Provider Claims Website: Please click here
Last updated: October 19, 2026