International Travel Insurance
What if you were in China and needed to be medically evacuated from a remote area of the country?
We are there with you!
We realize that traveling abroad can be an exciting experience. We also know that anything can happen while you’re away from home – whether visiting short-term or living abroad indefinitely. It’s important to be prepared for any unexpected illness, injury or medical emergency. Many traditional medical plans simply are not designed for international travel.
Which Coverage is Right for Me?
Short-term travel medical insurance for Individuals and Families
Addresses the insurance needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.
Highlights
- Coverage for individuals and dependents
- Two plan designs – one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
- Maximum Limits from $50,000 to $2,000,000
- Deductible options from $0 to $2,500
- Available in daily and monthly rates
- Renewable up to 24 months if one month or more are purchased
- Freedom to seek treatment with hospital or doctor of your choice
- Trip cancellation, travel delay and baggage delay benefits available
- Universal Rx pharmacy discount savings
- 24 hour secure access from anywhere in the world to manage your account at any time
Who is this plan for?
- Graduating seniors trips
- Senior citizens age 65+ with or without Medicare traveling abroad
- College students studying abroad
- Foreign au pairs and nannies
- Families sponsoring exchange students
- International vacationers
- Individual or group missionaries
- Relatives visiting from overseas
- Recently arrived immigrants
Long-term comprehensive plan for individuals and families
Flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide.
Highlights
- Flexible, comprehensive medical coverage
- Coverage for individuals and families
- Four unique plan designs – Silver, Gold, Gold Plus and Platinum
- Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Sports
- Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
- Select from multiple deductible options
- Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
- Choose from several payment modes
- Multiple underwriting options to fit your needs
- Freedom to choose your provider
- Access to two extensive provider networks
- Emergency Medical Evacuation and other evacuation benefits
- Medical Concierge Program
- Medical professionals to coordinate your care
- 24 hour access to information
Who is the plan designed for?
- Coverage for individuals or families living or working abroad
- Contract employees living and working abroad
- Seniors with dual residencies six months or longer outside the U.S.
Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications. Your health care while abroad should not be one of those concerns. Global Medical Insurance is a revolutionary program from IMG that offers the flexible worldwide coverage you need, backed by the world-class services you expect. Unlike other health care programs on the market, Global Medical Insurance allows you to custom build a plan that is specifically tailored for you.
Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from an assortment of unique benefit options. From the scheduled benefits of the Silver plan option to the benefit-rich Platinum plan option, there are a large variety of specialized coverages to meet any need. To accommodate your financial means, you can customize your length and area of coverage with the flexibility to select from multiple deductibles and modes of payment. With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.
Additionally, the program provides world-class services. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment’s notice, and our extensive global provider networks are quickly and easily accessible. You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. You can also efficiently save time managing routine areas of your account by utilizing our secure, online service tools. In addition, IMG is available for service at your convenience – via phone, email or Live Chat.
You need to know that you have the proper worldwide coverage. When you select Global Medical Insurance, you receive IMG’s commitment to deliver exceptional health benefits, medical assistance and service – all designed to give you Global Peace of Mind®.
Medical Insurance For Families and Individuals
Addresses the insurance needs of U.S. citizens and non-U.S. nationals who need temporary medical insurance while traveling for international outreach anywhere outside of their home country.
Highlights
- Short-term travel medical insurance
- Coverage for individuals and dependents
- Two plan designs – one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
- Maximum Limits from $50,000 to $2 million
- Deductible options from $0 to $2,500
- Available in monthly and daily rates
- Renewable up to 24 months if one month or more are purchased
- Freedom to seek treatment with the hospital or doctor of your choice
- Trip cancellation, travel delay and baggage delay benefits available
- Universal Rx pharmacy discount savings
- 24 hour secure access from anywhere in the world to manage your account at any time
Who is the plan designed for?
- Missionaries and churches traveling abroad on short-term outreach
You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. IMG has developed two Outreach Travel Medical Insurance plans that offer a complete package of international benefits available 24 hours a day. Outreach International provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Outreach America 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 two years, in accordance with the terms of the Certificate of Insurance.
Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You can also choose from a wide range of deductibles, several Maximum Limits, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.
Medical coverage for students, families and groups while studying abroad
Highlights
- Coverage for students, groups, and/or their spouses and unmarried dependent children traveling with them
- Plan maximums limits up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
- Plans are renewable up to 48 months if minimum of one month is purchased
- Groups may purchase customizable annually renewable long term plans
- Freedom to seek treatment with hospital or doctor of your choice
- Universal Rx pharmacy discount savings
- 24 hour secure access from anywhere in the world to manage your account at any time
- Student Health Center $5 co-pay per visit
- No coinsurance
- Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance
Who is this plan designed for?
- Individuals and groups participating in student international programs
- Cultural exchange participants
- International graduate students
- Scholars and educators
- Dependents
Whether your trip takes you abroad for a few weeks or a year, your cultural exchange experience should be enjoyable. You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. IMG has developed Patriot Exchange Program to offer a complete package of international benefits available 24 hours a day. Most of the plan options are designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of cultural exchange, the individual and group plans provide coverage for dependents and may be purchased in monthly increments.
Additionally, you can choose from a nice range of plan maximums and additional add-on coverages. You may also seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you have access to the independent Preferred Provider Organization (PPO), a separately organized network of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. contracted by IMG. You can quickly search the network through MyIMG.
To help you locate health care providers outside the U.S., IMG provides its online International Provider AccessSM (IPA), a database of over 17,000 providers.