Travel Insurance Review

IMG

This post may contain affiliate links, meaning we may receive a commission if you click a link, at no cost to you. Please read our Terms of Service for more information.

IMG offers single trip, annual, and extendable plans to satisfy the needs of vacationers, those working or living internationally (short or extended periods), people traveling frequently between countries, and those that maintain multiple countries of residence.

IMG provides international travel medical insurance, health insurance, and travel insurance. Their key offerings include multiple tiers allowing for coverage customization and budget flexibility. You can further tailor your policy with a select group of optional upgrades including cancel for any reason and interruption for any reason on their top tier plan.

Trip protection encompasses cancellation, interruption, delay, baggage, rental car damage, and more. Medical highlights include generous medical limits, COVID-19 protection, impatient and outpatient services, emergency services, AD&D, dental, pet return, and more.

You can take comfort in their 24/7 medical and travel assistant, multi-lingual team, and their underwriters’ excellent credit ratings.

CUSTOMIZABLE

Tiers within the following plan categories:

Travel medical insurance
Health insurance
Travel insurance

Optional upgrades enhance your ability to tailor your policy to your needs

MEDICAL

Excellent coverages and limits that are customizable

SERVICE

24/7 medical and travel assistance backed by a multilingual team

CANCEL FOR ANY REASON

Only available as an optional upgrade on their top tier plan

INTERRUPTION FOR ANY REASON

Same as Cancel For Any Reason above

COMPREHENSIVE

Plans are available for medical, health, trip protection, and some offer multiple tiers. Some even offer pet coverage.

Plans can cover single trips, multiple trips, and annual trips with multi-year extensions.

POLICY COMPARISONS

IMG has an above average selection of travel, health, and medical insurance options. The following are a summary of some of their more popular plans.

TRAVEL SINGLE TRIP PLANS

Highlights	iTravelInsured Single Trip Plans
Highlights	Travel LX	Travel SE	Travel Lite
General
Availability	U.S. residents
Max trip duration	180 days
Max age insured	99 years
Free look period	10 days
Pre-existing conditions	Waiver option	Waiver option	-
Coverage type	Primary	Primary	Secondary
Trip Protection
Cancellation
Trip cost	100%	100%	100%
Interruption
Trip cost	150%	150%	125%
Itinerary change	$300	$150	-
Delay
Delay – 6hrs	$2,500 ($250/day)	-
Delay – 12hrs	-	$2,000 ($125/day)	$500 ($125/day)
Missed connection – 3hrs	$500	-	-
Missed connection – 6hrs	-	$500	-
Travel companion	$1,000 ($200/day)	-	-
Medical Protection
Emergency Medical
Accident and sickness	$500,000	$250,000	$100,000
Evacuation / repatriation	$1,000,000	$500,000	$500,000
Search and rescue	$10,000	-	-
Political, Security, Natural Disaster Evacuation	$10,000	-	-
Dental	$1,000	$1,000	$1,000
Baggage / Belongings
Baggage/personal items	$2,500 ($250/item)	$1,500 ($250/item)	$750 ($250/item)
Delay – 12hrs	$500	$250	-
Delay – 24hrs	-	-	$150
Additional Benefits
24/7 Travel Assistance	Included	Included	Included
Rental car damage/ theft	$40,000	$40,000	-
Pet kennel	$500 ($100/day)	$300 ($100/day)	-
Sports equipment rental – 12hrs	$2,000 ($500/day)	-	-
Other Optional Upgrades
Cancel for any reason	75% Trip Cost	-	-
Interruption for any reason	75% Trip Cost	-	-
Accidents
Death and Dismemberment	$100,000	$25,000	-
Underwriter	United States Fire Insurance Company

MEDICAL PLANS

PATRIOT INTERNATIONAL

Highlights	Patriot International Medical Plans
	Travel Outside U.S.
	Platinum	Lite
General
Availability	Individuals travelling outside the U.S.
Term	5 days to 3 years	5 days to 3 years
Extensions	36 months	24 months
Medical
Maximum limit	Up to $8,000,000	Up to $1,000,000
Maximum deductible	$25,000	$2,500
Emergency evacuation	Up to max limit	$1,000,000
Coinsurance	100% to max limit
Incidental emergency in U.S.	Up to 2 weeks
COVID-19*	Included
Acute onset pre-existing condition	Included
Travel Intelligence	Included
Telehealth	Included
Evacuation Plus	Included
Impatient / Outpatient Services
Physician visits	Included
Urgent care clinic	Included
Emergency room	Included
Intensive care	Included
Emergency Services
Local ambulance	Included
Natural disaster evacuation	Included
Return of mortal remains	Included
Return of minor children	Included
Other Services
AD&D	Included
Dental treatment	Included
Emergency eye exam	Included
Lost luggage	Included
Identity theft	Included
Pet return	Included
Prescription medication	Included
Optional
Adventure sport rider	Optional
Trip cancellation, interruption, delay rider	Optional
Mobile device protection	Optional
Enhanced AD&D rider	Optional
Chaperone/Leader rider	Optional
Underwriter	Sirius Int’l Insurance Group Ltd.
*Limitations apply

MEDICAL PLANS

PATRIOT AMERICA

Highlights	Patriot America Medical Plans
	Travel Inside the U.S.
	Platinum	Plus	Lite
General
Availability	Non-U.S. residents travelling outside of their home country with a U.S. visit
Term	5 days to 3 years
Extensions	36 months	24 months	24 months
Medical
Maximum limit	Up to $8,000,000	Up to $1,000,000	Up to $1,000,000
Maximum deductible	$25,000	$2,500	$2,500
Emergency evacuation	Up to max limit	$1,000,000	$1,000,000
Coinsurance (in network)	100%
Coinsurance (out of network)	90% up to $5,000, then 100%	80% up to $5,000, then 100%	80% up to $5,000, then 100%
COVID-19*	Included	Included	-
Acute onset pre-existing condition	Included	Included	-
Travel Intelligence	Included	-	-
Telehealth	Included	-	-
Evacuation Plus	Included	-	-
Impatient / Outpatient Services
Physician visits	Included
Urgent care clinic	Included
Emergency room	Included
Intensive care	Included
Emergency Services
Local ambulance	Included
Natural disaster evacuation	Included
Return of mortal remains	Included
Return of minor children	Included
Other Services
AD&D	Included
Dental treatment	Included
Emergency eye exam	Included
Lost luggage	Included
Identity theft	Included
Pet return	Included
Prescription medication	Included
Optional
Adventure sport rider	Optional
Trip cancellation, interruption, delay rider	Optional
Mobile device protection	Optional
Enhanced AD&D rider	Optional
Chaperone/Leader rider	Optional
Underwriter	Sirius Int’l Insurance Group Ltd.
*Limitations apply

The following is a sample list of exclusions and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
- Routine physical examinations and dental care
- Travel for the purpose of medical treatment or advice
- Trip taken against the advice of a Physician
- Mental health care
- Physical therapy or occupational therapy
- Experimental or investigative treatments or procedures
- Elective treatments or procedures
- Under the influence of drugs or alcohol
- Normal pregnancy
- Mental, nervous, or psychological disorder or condition
- Participation in adventure or extreme activities, riding or driving in any races, participation in speed or endurance competitions or events, except as a spectator
- Participation in an organized athletic or sporting competition, contest, or stunt
- Suicide
- Criminal activity
- Acts of war
- Participation in civil disorder or riot
- Piloting or learning to pilot, or acting as a member of the crew of any aircraft
- Gross negligence
and more

Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.

Learn more

Travel Insurance Guide

IMG