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IMG Travel Insurance: Is it Worth The Cost?

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

IMG travel insurance plans and costs

Which img travel insurance plan is best for me, can you buy img travel insurance online, what isn’t covered by img travel insurance, covid-19 considerations, is img travel insurance worth it.

insurance-product-card-logo

  • Annual or single-trip policies are available.
  • Coverage available for adventure travelers.
  • Special medical insurance for ship captains and crew members, international students and missionaries.
  • Claim approval can be lengthy.

Are you planning to travel soon? We don’t blame you — spending the last few years dealing with country shutdowns, testing requirements and travel restrictions has considerably impacted everyone.

If you’ve booked a vacation, you may wonder if you should purchase travel insurance. Among a variety of providers from which to choose, IMG insurance offers several different insurance plans. These include both short- and long-term policies, some of which include coverage for issues arising from COVID-19 illness.

Let’s look at IMG travel insurance, its different plans, and how to choose one that’s right for you.

» Learn more: Common myths about travel insurance and what it covers

The type of travel insurance you’ll want to purchase will depend on what kind of travel you’re doing. Are you looking specifically for medical coverage? How about trip insurance in case your plans go awry? You can be reimbursed in various circumstances if you have the proper insurance.

Single-trip plans

Single-trip plans are intended for those going on a trip for a predetermined period and returning home. This is compared to those who intend to take multiple trips within a year or those who will be abroad for a long time.

To get an idea of the options, we input a search for a 40-year-old female from Arizona traveling for two weeks to the U.K. on a $5,000 vacation.

img travel insurance canada

IMG returned a total of 12 different plans. The cheapest plan, at $37.31, was limited strictly to health insurance. This includes coverage of up to $1,000,000 for unexpected illnesses and accidents.

img travel insurance canada

The most expensive option, meanwhile, included medical insurance, trip cancellation insurance, and trip delay insurance. The total cost for this plan came out to $343.96.

img travel insurance canada

Many travel credit cards offer complimentary trip insurance as long as you pay for the trip with your card, though coverage levels may vary.

Annual plans

Annual plans are built for those types of folks who travel often. This can be on many short trips or for longer-term absences from home.

For an idea of the annual plan coverage IMG offers, we put in a search for a 32-year-old man from Oregon, traveling for a year with a budget of $30,000.

img travel insurance canada

In this case, IMG returned a total of 19 different plans. The cheapest plan cost $160.90 for the year and included worldwide health insurance and a deductible of $250.

img travel insurance canada

It’s worth noting that you can alter the deductible amount — upping the deductible to $10,000 dropped the annual cost of the insurance down to just $65.60.

The most expensive option, meanwhile, cost $816.69 and included 24/7 telehealth access for non-emergency medical questions. Maximum coverage limits for the policy range from $2,000,000 to $8,000,000.

img travel insurance canada

» Learn more: How much is travel insurance?

The type of plan you’ll need will vary based on your travel habits. Here are some things you’ll want to think about when choosing your plan:

Look at coverage details

Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.

Think long-term

If you’re planning on traveling multiple times within the year, compare the cost of purchasing several different single-trip policies to buying a year-long plan, which may save you money.

Use existing coverage

If you hold a credit card with trip insurance, you may want to skip purchasing insurance entirely. Depending on your card, you may already have emergency medical insurance, trip interruption insurance, rental car insurance, trip delay insurance and more.

» Learn more: How to find the best travel insurance

If you’re looking to purchase IMG travel insurance, you’ll first want to navigate its website: imglobal.com .

img travel insurance canada

From there, you’ll be able to enter the details of your trip, including how many travelers you have, where you’re going and how long you’ll be gone. You’ll then be presented with various insurance plans to fit your needs.

We mentioned above that different plans have different levels of coverage. Still, in general, there are some things that you shouldn’t expect to be covered, including high-risk activities, intentional acts of harm and other designated events.

» Learn more: Does travel insurance cover medical expenses?

You’ll want to be aware that not all insurance plans cover instances of coronavirus. This is also true for IMG travel insurance; different plans have different levels of coverage and not all of these include COVID-19 protection.

If coronavirus is something you’d be covered for, you’ll want to double-check your plan before purchasing. Those that include coverage for COVID-19 will specify so like this:

img travel insurance canada

» Learn more: Is there travel insurance that covers COVID quarantine?

The cost of your travel insurance will vary based on your coverage levels. Things that may bump up the price of your policy may include trip reimbursement insurance, cancel for any reason insurance and pre-existing condition coverage.

Yes, IMG offers international travel insurance. When getting a quote, you’ll be able to select the countries to which you’re traveling, though if you’re looking for a long-term plan, you can expect worldwide coverage.

Whether or not travel insurance is worthwhile will depend entirely upon your needs. If you have a credit card that provides complimentary insurance, that may suffice. Otherwise, purchasing a plan could help bring you peace of mind on your vacation and help you manage an unforeseen challenge if one occurs.

Some IMG travel insurance plans offer Cancel For Any Reason as an add-on. This benefit covers 75% of your nonrefundable trip cost and must be purchased within a specific time frame from your initial trip deposit. For example, for IMG’s iTravelInsured Travel LX plan you need to purchase CFAR within 20 days of trip deposit.

The cost of your travel insurance will vary based on your coverage levels. Things that may bump up the price of your policy may include trip reimbursement insurance,

cancel for any reason insurance

and pre-existing condition coverage.

Travel insurance can be a good option for those wanting coverage while away from home. The cost of your policy will vary based on the coverage you want — the better the plan, the more you can expect to pay.

Choosing whether or not to purchase travel insurance from IMG is a personal decision. However, if you’re heading out of town and want to be sure you’re covered, do your research and select a plan that suits your needs.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

img travel insurance canada

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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

International Medical Group (IMG) Travel Insurance Review – Is It Worth It?

Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

Countries Visited: 45 U.S. States Visited: 28

International Medical Group (IMG) Travel Insurance Review – Is It Worth It?

Why Purchase Travel Insurance

Why purchase travel insurance from img, travel insurance and covid-19, types of policies offered by img, how to get a quote, the value of travel insurance comparison websites, to credit card travel insurance, to other travel insurance companies, to point-of-sale coverage, how to file a claim with img, everything else you need to know, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

It’s been especially important to protect our travel investments recently. You’ve likely had to cancel at least 1 trip in the past couple of years, and there’s still the uncertainty of whether future trips could face the same fate.

As a result, seeking out travel insurance that’s both affordable and provides the right combination of coverage has become an essential element of the trip-planning process versus a mere afterthought.

When it comes to purchasing travel insurance , it can be difficult to know where to start. Whether you conveniently buy the coverage offered when you purchase your trip, compare travel insurance companies and policies in-depth, or rely on your credit card with travel insurance , having as much information as possible can be helpful in making a decision on travel insurance.

Today we’re going to focus on 1 specific travel insurance company, International Medical Group, Inc. (known as IMG or IMGlobal). We’re also going to talk briefly about travel insurance in general, give you some tips on finding the best travel insurance value, and provide some direction when faced with the decision of whether you need to purchase coverage.

We’ll get to our review of IMG in short order, but let’s start by briefly discussing why you’d want to consider purchasing travel insurance.

Travel insurance provides protection for economic loss should unexpected covered events occur prior to and during your travels. The more money you have at risk, the greater the need to consider travel insurance.

If you’re simply purchasing a domestic flight and hotel for a weekend away, you may not need to purchase travel insurance.

However, if your trip includes a lot of non-refundable expenses or your itinerary is complex (increasing the chances that something could go wrong), you’ll want to be fully protected.

In addition, if your trip includes potentially dangerous sports activities , you’re visiting remote locations, or if you will not have medical insurance during your travels, you’ll also want to strongly consider travel insurance.

Here are some sample situations where travel insurance could provide protection:

  • You’re on safari, become seriously ill, and need to be evacuated to the nearest hospital.
  • There is severe weather, your flights are canceled and you must stay at a hotel overnight before continuing your trip.
  • An immediate family member passes away causing you to cancel your trip.
  • You’re skiing, fall, and break your leg.
  • There is a flood, your home becomes uninhabitable, and you must cancel your trip.

Bottom Line: If your trip is expensive, has a complex itinerary, you’re visiting a remote location, or you need medical coverage during your travels, you should consider a comprehensive travel insurance policy.

There are a lot of companies from which to select when purchasing travel insurance. The bottom line, however, is whether the company is financially sound, can pay its claims, offers a policy that is affordable, and has coverage matching your needs.

IMG checks all those boxes as a leading provider of international health insurance, travel medical insurance , and comprehensive travel insurance. The company’s parent company, SiriusPoint America Insurance Company, is rated A- (Excellent) by prominent insurance financial rating company A.M. Best . Additionally, IMG has been around for over 25 years, so you know you’re dealing with an established company.

IMG has also been accredited by the Better Business Bureau since 2005 and has an A- rating. The company has had 59 complaints in the past 3 years, the majority of which were concerns with products/services typical of other insurance company complaints, including claims processing.

Whether IMG has the exact policy that matches your needs and is affordable for you requires more research. We’ll be digging deeper into examples of its policies and pricing later in this article.

First, however, let’s talk about COVID-19 and how IMG may provide related coverage.

In the light of the pandemic, we’ve all become more aware of the need for travel insurance. Perhaps you’ve had to cancel a trip due to the fear of getting ill while traveling, or borders were shut down, making it impossible to travel to your destination.

Unfortunately, travel insurance does not cover these situations unless you have purchased Cancel for Any Reason insurance . This add-on to your travel insurance policy offers protection when you feel the need to cancel for any reason . The coverage can be expensive and only 50% to 75% of your trip expenditure will be covered.

Many travel insurance companies include coverage for COVID-19 for medical coverage, trip cancellation, trip interruption, and trip delay. Some companies exclude COVID-19.

IMG treats COVID-19 as any other illness on the company’s iTravelInsured travel protection plans. It also offers a Cancel for Any Reason insurance add-on, depending on the policy you select. IMG may exclude coverage from some of its medical plans if your destination is designated as having a Level 3 warning by the Department of State (DOS) or the Center for Disease Control (CDC).

Bottom Line: Travel insurance does not cover voluntary trip cancellations due to fear of getting ill or cancellations for borders that have been shut down due to COVID-19. You would need to purchase Cancel for Any Reason insurance to have coverage. IMG offers this add-on option with some of its plans. 

IMG Global Plans

IMG offers 25 different insurance plans, ranging from basic travel medical insurance, comprehensive travel insurance, cruise and sports coverage, international medical insurance, and more.

The company is known for its international medical insurance offerings , including plans for visitors to the U.S. (including non-U.S. citizens, students, and exchange visitors). U.S. citizens traveling abroad will find several comprehensive travel insurance plans that include medical coverage or plans that have strong medical coverage with ancillary travel insurance.

The company also offers insurance that complies with Schengen visa requirements, specialized plans for government service workers, for marine captains/crew, and for those doing mission work.

Let’s look at a comparison snapshot of a few of the most popular plans offered by IMG and some of the coverage combinations you can expect to find.

This is just an overview of the core coverage offered by 3 of IMG’s travel insurance plans. Descriptions are abbreviated and are meant for comparison only.

Bottom Line: IMG offers a large variety of plans that allow you to select the type and level of coverage you prefer. In addition to comprehensive travel insurance plans, the company offers travel medical plans for visitors to the U.S. and plans for U.S. citizens when traveling both internationally and in the U.S.

IMG Global Quote Request

Obtaining a quote from IMG for your trip is simple. You’ll need to provide your age, where you reside, and your primary trip destination. You’ll also need to provide the dates of your trip and the total cost of your trip.

Once you hit submit, you’ll receive an instant quote for several different plan options. You can compare coverages, pricing, and then select the plan that fits what you’re looking for.

You can then purchase the plan and coverage will start on the date you selected.

You will have 10 days to review the plan. If you’re not satisfied, you will receive a full refund.

Bottom Line: You can receive an instant quote on the IMG website by providing minimal information. You can also immediately purchase the policy and be covered for the date you selected. 

Chances are we wouldn’t purchase a new vehicle without shopping around to find the best value. Fortunately, comparing travel insurance policies to find the best value requires a lot less effort.

Travel insurance comparison websites simplify the process making it easy to compare dozens of companies and hundreds of policies, all in a few minutes.

You’ll need to input your trip and traveler information including where you reside, the cost and dates of the trip, whether you want an annual multi-trip policy, and the date you wish coverage to begin.

Also, all of these comparison sites offer click-through links to COVID-19 coverage information for each featured company.

Here are some of the best travel insurance comparison websites to get you started:

  • Squaremouth — Squaremouth compares a wide variety of policies, including annual plans that cover every trip you take within a 1-year period, medical travel insurance, single-trip coverage, and plans that cover sports/special activities.
  • Insure My Trip — Insure My Trip is a good source for comparing comprehensive single- or multi-trip plans that include medical coverage.
  • TravelInsurance.com — While the site does not compare medical-only plans, it offers comparisons of comprehensive travel insurance plans.
  • AARDY.com — We like AARDY as it does a great job of comparing dozens of highly rated travel insurance companies. We don’t like having to provide our email in order to obtain a quote, however.

Bottom Line: Travel insurance comparison websites help you compare the best companies and policy options in a minimal amount of time. You can also purchase the policy after your search and receive immediate coverage. 

How IMG Compares

Let’s look now at how IMG compares to the complimentary travel insurance coverage on your credit cards, to other travel insurance companies, and to the point-of-sale travel insurance offerings you might find when purchasing flights or travel packages.

Here’s how IMG compares:

If your trip is simply a flight and a short hotel stay, the travel insurance that comes with your credit card could provide you with all the coverage you need.

Once your trip becomes more complex, or more expensive, the need for travel insurance becomes greater. In either of these situations, or if you need medical coverage for your trip, the coverage that comes on your credit card will not be sufficient.

One important element is that most of the coverage provided on your credit card is secondary , meaning you must file a claim with other insurance first. You could potentially have to deal with the travel provider, the credit card company, any other insurance that may cover the loss, and the claims administrator.

Having a comprehensive travel insurance policy, like those sold by IMG, could simplify the process, especially for a complex trip involving several providers.

To learn more about the best credit cards for travel insurance , we invite you to check out our informative article.

Bottom Line: The travel insurance that comes complimentary on your credit card may be sufficient enough to cover a simple trip, perhaps just consisting of a flight and hotel. Expensive, more complex trips, or those requiring medical coverage, will be better served by purchasing a comprehensive travel insurance policy. 

IMG Global Quote Compare

Using a travel comparison website like the ones mentioned previously allows you to compare companies and policies quickly .

While plans and prices will vary widely depending on your trip and personal criteria, we created a quote based on a single-trip, 1 week in length, involving a traveler 40 years of age, with a total trip cost of $2,000.

The above quote does include CFAR insurance. But even without it, IMG came out higher than most competitors. Policy coverage was identical in most cases but IMG did offer $1,000,000 evacuation coverage, $10,000 in search-and-rescue coverage, and coverage for rented sporting equipment.

IMG Medical

When we look at travel medical coverage plans, IMG becomes more competitive (using our limited example). You will find some travel insurance coverages are also provided, making this option a consideration if you’re looking for a medical-specific plan.

Your criteria could change the comparisons entirely. That’s why a travel insurance comparison website is an essential tool when seeking out the best value in travel insurance.

Bottom Line: While our limited comparisons showed IMG plans as being higher than the competitors, this may not be the case for your specific trip and policy preferences. Plans that focused on medical coverage tended to be more competitive. Always compare options to find the best value for you. 

Point of Sale Travel Insurance

The coverage options provided at checkout when you purchase a flight, vacation package, or other travel, can be limited. Additionally, the coverage is focused on cancellation and interruption coverage and only for the specific reasons listed.

Point of Sale Travel Insurance 1

To illustrate how IMG would stack up against point-of-sale coverage, we looked at the coverage and cost of insuring the same flight as the point-of-sale coverage above. For just a few dollars more, with IMG you would have emergency medical and evacuation coverage, and trip delay coverage. The point-of-sale plan covers just trip cancellation/interruption for up to 100% of the trip cost.

Bottom Line: In our limited example, even a budget policy purchased from IMG offers more coverage than a point-of-sale policy of a similar price. Always compare prior to purchasing, as rates will vary based on trip criteria. 

IMG Claims

If you need medical treatment during your travels, in many cases IMG can work directly with the medical provider. But if you also need to file a medical claim, the best way to get started is to complete the online claim form .

As the filing of a claim for a baggage delay can be quite different than filing a medical claim, and the documentation required will certainly differ, you’ll want to begin by using a claim form designed for your specific type of loss.

You can select the associated form on the company’s claim center website . Each individual claim form lists the unique required documentation you will need to submit for that type of claim.

You can also contact the company by calling 866-243-7524, 317- 655-4500, or 317-655-9796. On each claim form, there is also an address, phone number, fax number, and email that may differ depending on the type of claim.

Be aware that there are deadlines for reporting claims and submitting all of the required documentation and these timeframes can differ depending on the type of claim.

Bottom Line: The best way to submit a claim is by completing the online claim form specific to the type of claim, which is available on the company’s claim center website. On the claim form you will find the associated phone number, address, email address, and fax number to help facilitate your claim should you need this additional information. 

Be aware that some of the plans IMG offers may provide secondary coverage versus primary coverage. This means that you must first file a claim with any other insurance that may apply.

You can feel comfortable purchasing a policy from IMG as you’ll have 10 days from the date of purchase to review the plan and get a full refund if you’re not satisfied.

We were able to obtain a quote for travelers up to and including age 99. Coverage levels and pricing vary by age.

While we have focused on individual travel and medical insurance in this article, IMG does have an Enterprise division that provides services to corporations and other organizations.

IMG is a good choice as a travel insurance company due to its financial stability and the fact it has been in business so long. However, you’ll need to compare plans and pricing with competitors to make sure the company provides the best value for you personally when purchasing a comprehensive travel insurance plan.

If you’re looking at insuring a single trip of short duration, the company can provide solid value over point-of-sale policies by delivering more coverage for similar economic outlay.

Additionally, the company’s travel medical insurance plans with primary coverage could provide you with solid medical coverage during your travels for minimal cost.

For more information on the basics of purchasing travel insurance , the best travel insurance companies , and how travel insurance works with COVID-19, visit our additional articles on these topics.

Frequently Asked Questions

Is img a good travel insurance company.

Yes. IMG is an established company backed by highly rated companies. The company is accredited by the Better Business Bureau with an A- rating.

Does IMG sell Cancel for Any Reason Insurance?

Yes. Cancel for Any Reason insurance is available as an add-on to some of the plans offered by IMG. However, just like other travel insurance providers, there’s a limited window of time to purchase the coverage. There are also limits on the percentage of trip costs that are covered.

What is IMG visitors insurance?

IMG offers several levels of medical plans for visitors to the U.S. These plans can cover students and visitors traveling on J-1 and J-2 visas, including non-U.S. citizens.

How can I contact IMG?

You can reach IMG by calling 866-243-7524, 317- 655-4500, or 317-655-9796. If you are out of the U.S., you can call collect.

You can also reach the company via email at [email protected] or by mail at International Medical Group, Inc., P.O. Box 88500, Indianapolis, IN, 46208.

Does IMG cover COVID-19?

IMG treats COVID-19 the same way it treats any other illness on many coverages including medical, trip interruption, trip cancellation, and trip delay.

You may also have the option to purchase Cancel for Any Reason insurance on some of its plans.

Be sure to check the specific policy prior to purchasing for related COVID-19 coverage.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Travel Insurance for Canadians

Img outreach travel insurance for canadians, a great plan for canadians traveling as volunteers and charity, why we like it:.

IMG Outreach Travel Medical Insurance for Canada is one of our most affordable travel insurance Canada plans for charitable travel, missionaries and volunteers for a few days up to 24 months. As a Canadian, you should select “Outreach America” (For non-U.S. travelers) since it provides coverage for non-U.S. citizens traveling outside of their home country. You can even purchase it after departure (in case you forgot).

Good for those seeking a plan up to 24 months and may repurchase for as long as you are traveling outside of your country of citizenship.

Non-charitable travel/Not a volunteer? –  Check out our Patriot  plan  here . There is also a  group travel option here , if you are traveling with others.

  • Canadians looking for an affordable plan for charitable travel
  • People over 65
  • From 5 days to 1 years – Renewable for up to 2 years
  • Those going to “high-risk” countries, including Israel

covered pontoon boat on water

  • Canadian missionaries and churches traveling abroad on short-term missions projects and outreach
  • Volunteers from Canada seeking to do charitable travel, social business, or join an NGO or non-profit abroad
  • Coverage renewable for up to two years at a time and able to extend

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.. Outreach America provides coverage for Canadians and 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.

Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international and multilingual customer service centers. Access to claims administrators who process claims from all over the world, handling virtually every language and currency. There is 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You can also choose from a wide range of deductibles and several Maximum Limits. Access is available to more than 17,000 providers through our International Provider Access SM  (IPA) when seeking treatment outside the U.S.. You can reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.

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
  • Universal Rx pharmacy discount savings
  • 24 hour secure access from anywhere in the world to manage your account at any time

Maximum Limits (Choose from): $50,000, $100,000, $500,000, $1,000,000, $2,000,000

Individual Deductible (Choose from): Your choice of $0, $100, $250, $500, $1,000 or $2,500

MEDICAL BENEFITS

Hospital Room and Board

Intensive Care

Out-patient Medical

Emergency Room Accident

Local Ambulance

Emergency Illness – with In-patient Admission

Emergency Illness – without In-patient Admission

Prescription Drugs

Emergency Dental

Hospital Daily Indemnity

Emergency Evacuation Up to $500,000 lifetime maximum (independent of the Maximum Limit)

Emergency Reunion

Return of Mortal Remains or Cremation/Burial

Return of Minor Children

Political Evacuation

Natural Disaster

Identity Theft Assistance

ADDITIONAL BENEFITS

Terrorism Coverage

Sports & Activities Coverage – For basic sports

Sudden and Unexpected Recurrence of a Pre-existing Condition – Medical

Sudden and Unexpected Recurrence of a Pre-existing Condition – Emergency Medical Evacuation

Trip Interruption

Common Carrier Accidental Death

Accidental Death & Dismemberment

Lost Luggage

My IMG travel services

Optional riders

Selected Coverage Options:

  • Adventure Sports Rider
  • Enhanced AD&D rider
  • Evacuation Plus Rider – Non-life-threatening medical evacuation, and natural disaster evacuation

RENEWAL AND EXTENSIONS Subject to the terms of the plan, Outreach Travel Medical Insurance for Canada can be extended for a minimum of five days up to a 365-day period, up to a maximum of 24 continuous months (Two years). You may repurchase for as long as you are traveling outside of your country of citizenship.

Prior to the end of each period of coverage purchased, you will receive renewal information. You can renew online. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage.

Additional information

  • OUTREACH INTERNATIONAL FAQ
  • ANSWERS FAQ and Answers on Benefits and Applying

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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International Medical Group (IMG) Travel Insurance Review (2024)

Learn what IMG travel insurance has to offer and if it’s the right trip and medical insurance for your next getaway.

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Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you’re looking for comprehensive medical insurance for your upcoming trip, International Medical Group (IMG) is worth considering. Founded in the late 1980s, IMG is a worldwide travel insurance provider offering up to $8 million in emergency care and medical evacuation coverage — more than 10x that of many competing insurance providers. Special policies are also available for students and seniors, with premiums below $100 per person on many basic plans.

With lower premiums and higher-than-average coverage limits, IMG can be an appealing choice to insure your next international excursion. However, we believe there are other better options for travel insurance coverage.

International Medical Group Logo

Our Take on International Medical Group (IMG)

In our comprehensive review of travel insurance providers , we awarded IMG a total score of 4.4 out of 5 stars, with its standout offering being a diverse range of plan options. From students traveling with a visa requiring medical insurance to sports professionals who need equipment insurance, IMG offers a selection of more than 10 plans for most international travelers. Comparatively, many travel insurance providers only offer up to three plan options.

IMG’s policies also have coverage limits that go above and beyond most other travel insurance providers. For example, medical limits go up to $8 million with IMG, while most other companies offer options up to $1 million or less. This can make IMG an appealing choice for travelers concerned about potential medical emergencies. IMG also offers a wide range of added coverages not seen with most other providers — like benefits toward missed flights and pet kennel bills — though inclusions vary by plan.

However, be sure to read IMG customer reviews before you buy. Negative customer reviews on the company’s Better Business Bureau (BBB) and Trustpilot profiles consistently mention a failure to pay out claims and negative experiences with customer service professionals. IMG also does not include baggage delay benefits in its most economic plans.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

IMG Pros and Cons

Compare img to other travel insurance companies.

IMG is not the only travel insurance provider available — and the best provider for your needs will vary depending on the details of your trip. Browse the table below to learn more about additional coverage options from other providers.

The destination you are traveling to can also play a role in the best travel insurance provider for your needs. For example, if you are traveling to a rural area with limited access to a hospital, you might want to prioritize a policy with comprehensive medical evacuation benefits.

Explore travel insurance providers based on destination using the dropdown below.

img travel insurance canada

What Does IMG Travel Insurance Cover?

One of the most unique features of IMG travel insurance is the variety of policy options it offers. In most parts of the U.S., you can access 15 unique travel insurance plans, which vary based on the level of coverage and types of benefits included. Medical coverage limits are available with benefits up to $8 million, and you can also find millions worth of evacuation coverage. If you are an older traveler or traveling to a more remote area where you could need medical care, IMG’s higher-tier plans could be worth the cost.

IMG also offers specific plan options for students traveling on visas that require a certain level of medical insurance, visitors to the Schengen area and even sports travelers looking for equipment protections. If you are a student or need unique coverage inclusions, IMG’s range of policy choices might offer a more customized fit than other providers.

Let’s take a look at a few of IMG’s most popular travel insurance policy options and what each covers.

iTravelInsured Travel SE

The iTravelInsured Travel SE policy is IMG’s primary option for travel medical and cancellation coverage. This plan includes the following major benefits:

  • 100% trip cancellation coverage
  • 150% trip interruption coverage
  • $125 per person per day trip delay benefits (up to $2,000)
  • $150 to cover airline change fees
  • $250,000 worth of primary medical expense coverage ($1,000 limitation on dental care)
  • $500,000 worth of medical evacuation coverage

The policy also includes extra benefits, like a supplement for pet kennel expenses and missed connection costs. Overall, the iTravelInsured Travel SE policy is an affordable option that provides competitive benefits compared to other major travel insurance providers.

Patriot International Platinum

The Patriot International Platinum plan is a medical-oriented travel insurance policy offering customizable medical insurance with up to $8 million worth of coverage. This maximum benefit is significantly higher than other providers, making the Patriot International plan a strong choice for anyone concerned about international health insurance bills. This plan also offers benefits for:

  • Emergency medical evacuation up to your total medical coverage limit
  • $25,000 toward natural disaster evacuation services
  • $100,000 toward politically-oriented evacuations
  • $50,000 worth of accidental death and dismemberment (AD&D) coverage

With lower premiums and customizable medical maximums, this policy can also be a strong choice for students who need to maintain medical coverage as a term of a study abroad visa.

img travel insurance canada

IMG’s comparison platform makes it easy to determine which plans best fit your coverage needs and budget.

iTravelInsured Travel LX

Travelers looking for both comprehensive travel and medical coverage can explore the all-inclusive iTravelInsured Travel LX plan. This plan includes:

  • $250 per person per day trip delay benefits (up to $2,000)
  • $300 to cover airline change fees
  • $500,000 worth of primary medical expense coverage ($1,000 limitation on dental care)
  • $1 million worth of medical evacuation coverage
  • Up to $10,000 toward search and rescue expenses
  • $2,000 in sports equipment rental coverage

Like the SE plan detailed above, the iTravelInsured Travel LX policy includes extended additional benefits for pets and other considerations you might have abroad. This policy can be most beneficial for covering a high-value trip or adventure travel to a rural destination thanks to the extra evacuation and emergency search benefits.

The table below summarizes IMG’s most popular plans compared to some other policy options.

IMG Add-On Options

Add-ons, or riders, are benefits you can include in your policy, often for an extra fee. Below are optional add-ons and features available in higher-value IMG plans:

  • Accident death and dismemberment
  • Cancel for any reason coverage
  • Change fee coverage
  • Interruption for any reason coverage
  • Natural disaster evacuation coverage
  • Political and personal security evacuation coverage
  • Rental car damage and theft coverage
  • Pet kennel coverage
  • Search and rescue coverage
  • Sports equipment rental coverage

International Medical Group

What’s Not Covered by IMG Travel Insurance?

While IMG offers higher medical benefits than some other insurers, its policies do not cover every situation. The following are some exclusions laid out in IMG’s most popular travel insurance plans and where you might want to shop for coverage if these inclusions are important to you.

  • Pre-existing conditions: If you’re older or have a pre-existing medical condition that could affect your trip, you might want to look for a travel insurance provider that offers a longer window to add this coverage. With IMG, you must purchase travel insurance coverage 14 days after your initial trip deposit to have medical coverage extended to pre-existing conditions.
  • Business equipment: While IMG offers specialized policies with inclusive athletic equipment coverage, it does not have policies with business equipment coverage . If you are traveling for work, consider a provider like Berkshire Hathaway, which offers this coverage as an optional add-on.
  • Electronics and jewelry: Like most travel insurance providers, IMG’s policies include exclusions for the full value of expensive items like jewelry, cell phones and laptops. If you must bring these items, consider a provider like HTH Worldwide that offers added rider choices for high-value items.

Cost of IMG Travel Insurance

According to our review, the average IMG traveler can expect to pay about $217 for premium coverage. While this number is comparable to other travel insurance providers, IMG also offers medical policy options for as low as $30 per traveler. If you are shopping on a budget, we recommend browsing IMG’s large list of plan options, as customizable coverage choices can help you adjust pricing.

The type of trip you are planning also plays a role in pricing. Browse the table below to learn more about how trip details can influence the price you pay for travel insurance.

IMG International Travel Insurance Cost

The price of international travel insurance varies depending on the benefits offered. To help you get a better idea of what you might pay for IMG’s top travel insurance policies, we requested quotes for a 30-year-old couple planning a $7,000, week-long trip to the United Kingdom. The table below summarizes the quotes we gathered.

*Quotes in the table above were collected directly from the provider’s website, and are accurate as of November 2023. Pricing for Patriot plans reflects a $2 million medical coverage limit.

IMG Domestic Travel Insurance Cost

IMG’s most popular travel insurance policy options also offer coverage for U.S. travelers taking domestic vacations across the country. To help you get an idea of the cost of IMG’s domestic coverage, we requested quotes for a 35-year-old American traveler taking a domestic vacation valued at $2,000. The table below reflects the quotes we received.

*Quotes in the table above were collected directly from the provider’s website, and are accurate as of November 2023. 

Note that Patriot plans are not currently available for U.S. residents traveling in the U.S.

IMG's iTravelInsured Customer Reviews

IMG gets many positive reviews on review sites that say the company provides transparent policies that clearly list what’s covered. However, there are some negative reviews about glitches with the IMG website and general frustration with website performance. Others have complaints about canceling trips and not receiving expected coverage.

Overall, IMG Global gets 4.6 out of 5 stars from nearly 7,000 reviews on Trustpilot. Here are four examples:

“This website makes it very easy to find what type of insurance I need. I have been using IMG for five years for all my international trips.” — Tao “The process is clear and simple, and the product is well-priced for an extensive range of coverage. I use it for both business and personal travel.” — Meagan “The website application process is frustrating. I had to continue to clear my cache five times to get it to work… One more time of not working, and I was going with someone else. Fortunately, it worked on the sixth attempt…” — Warren “We never traveled to Turks and Caicos but they charged us the full amount even if we canceled more than one month before the trip!” — Luca Montebugnoli

We reached out to a representative by email for comment on the reviews above and received the following statement:

“At IMG, our mission is to be an exceptionally innovative partner that provides creative and practical solutions, and our staff strives to ‘Be There’ to protect and enhance the well-being of our customers every day.

We appreciate the time our customers take to share the experiences they’ve had with our company to further connect others to the travel and health safety solutions we provide for those traveling, living or working away from home.

We understand how important it is to provide high-quality service to our customers, which is evidenced by our overwhelmingly positive Trustpilot reviews, and we are committed to providing every customer with the best possible experience.”

How To File a Claim with IMG Travel Insurance

The fastest and easiest way to file a claim with IMG travel insurance is through your customer portal. Here is a quick breakdown of how to use it:

  • To file a claim, click the “My Claims” button in your customer portal. Here, you will be guided through next steps to provide documentation based on your claim type.
  • Gather supporting documents to upload to your portal. The type of documents you need will vary depending on the type of claim you’re filing. For example, if you need reimbursement for travel expenses, you can provide a trip invoice, itinerary or confirmation showing details of your trip.
  • After submitting your claim, a representative will review your documentation and compare it with coverage on your policy. The representative should get back in touch with you to arrange a reimbursement.

IMG also allows you to file a claim through the mail or using a fax machine. Explore policy documents and claims forms you might need using IMG’s claims center .

Is IMG a Good Choice for Travel Insurance?

Overall, IMG is a strong travel insurance provider for both international and domestic coverage. Its higher medical limits can be appealing to those worried about medical coverage or older travelers using Medicare, which does not offer primary health insurance benefits abroad. IMG’s policies can also be worthwhile options for students, athletes and anyone else with unique visa-based coverage needs.

However, customer reviews suggest some issues with customer service and claims handling. While not representative of every experience, this might be an issue for customers who value concierge-level coverage or those worried about traveling abroad for the first time. No matter your coverage needs, we recommend getting a quote from at least three competing providers to find the best plan at the right price for your trip.

Frequently Asked Questions About IMG Travel Insurance

Is img good travel medical insurance.

Certain IMG travel medical insurance plans may meet healthcare insurance requirements for the J1 and J2 visas, which can make IMG a solid option to consider for international students participating in U.S. exchange programs. For other travelers, IMG has travel medical plans that include up to $8 million in coverage with deductibles from $0 to $25,000. Some plans are renewable, which could make it a good choice for group trips and extended stays abroad.

Does IMG Global cover COVID?

IMG policies cover COVID-19 like other illnesses. If you have to cancel a trip or your trip gets interrupted because you fall ill from the virus, nonrefundable costs such as airfare and prepaid hotel stays may be reimbursed.

Is IMG Global good for international travel?

The variety of international travel plans and travel support make IMG an option worth considering for international travel. Customer assistance is available 24/7 and has services such as medical referrals, lost luggage assistance, emergency cash transfers, legal referrals and emergency translations while you’re away.

What company underwrites IMG travel insurance?

IMG’s travel insurance policies are insured by SiriusPoint and Crum & Forster . Both of these companies maintain A.M. Best ratings of at least an A- , indicating IMG is very likely to be able to continue paying its policy payouts for the foreseeable future.

Other Insurance Resources From MarketWatch Guides 

Gain insight into our ratings for the best home, renters, pet, travel or life insurance providers and find affordable recommendations for necessary insurance products.

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Other Travel Insurance Providers To Consider

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Methodology: Our System for Ranking the Best Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).
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International Medical Group

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IMG Global: Insurance Plans for Expats and Travelers

international medical group company

IMG Insurance has a broad array of offerings and a robust network of providers to support them. They have a large PPO (preferred provider organization) in the US as well as their IPA (international provider access) network of over 17,000 providers and facilities around the world. IMG services members in over 190 countries and has built a staff that can help you in an emergency 24 hours a day, 7 days a week, 365 days a year.

Through their subsidiaries IMG Europe, Akeso Care Management, IMG-Stop Loss, and iTravelInsured, they provide around-the-clock medical management services, trip cancellation programs, stop-loss insurance to reduce employer risk, and an internationally based service center. They've set the benchmark for industry service levels by integrating independent credentialing services with in-house, wholly owned and operated service divisions.

Since 1990, International Medical Group Insurance (IMG) has risen to become one of the world's leading providers of global travel and medical insurance. Whether you are an individual traveler, an expatriate, a missionary, a student or scholar, a business or a maritime worker, IMG has a plan that will work for you. They can service your every travel need, whether you're looking for simple trip cancellation insurance or a medical plan that will follow you on a year-long trip around the globe.

Why Choose IMG?

Extensive provider network.

IMG has a large network of international providers as well as its robust PPO network within the United States.

24/7/365 Service

Staff are available every minute of the day, whenever you have an emergency. And if you want to file a claim, search for providers or manage your account, their web portal is always available.

A Plan for Every Need

Whether you're going abroad for a week or a year, for work or for pleasure, IMG has plans that are tailor-made for your needs.

Global Reach

With offices around the world and a staff that speaks 18 languages, IMG can help you wherever you are.

IMG Global Products

IMG Global has created international travel insurance plans, global medical insurance plans and expat insurance as well as insurance for students and scholars , insurance for missionary groups and volunteer groups as well as people from many other walks of life. Here is an overview of IMG Insurance's most popular plans. Click on any plan to get more details.

IMG Global Medical Plan

IMG Global Medical Insurance provides anyone living and working outside of their home company with a reliable, full-featured medical plan that will cover them wherever they are in the world.

International Medical Group Logo

  • Four plan options and additional optional coverages
  • Choice of the coverage area to reflect your geographical area of need
  • Freedom to choose your health care provider wherever you are in the world

IMG Patriot Platinum Travel Insurance

The IMG Patriot Plan provides first-class travel medical insurance for international trips with customized deductibles and maximum limits. Enjoy extra benefits like IMG's Global Concierge and Assistance Services and access to over 17,000 providers through their International Provider Access.

International Medical Group (IMG) Logo

Patriot Platinum Travel Insurance

  • Maximum limits up to $8,000,000
  • IMG pays 100% of medical expenses in-network
  • Evacuation due to Natural Disasters & Political Unrest

IMG Student Health Advantage Plan

If you are a student or scholar traveling abroad and looking for IMG international student insurance , then the Student Health Advantage plan is for you. This plan meets all US student, scholar, and cultural exchange visa requirements.

International Medical Group

  • Standard and Platinum level benefits available.
  • Coverage for individuals and groups and their dependents.
  • Freedom to seek treatment with hospital or doctor of your choice.

IMG Short-Term Student Health Insurance

IMG Patriot Exchange Program insurance is a streamlined and budget-friendly plan that provides medical coverage for students, families, and groups of two or more people while studying abroad. It also covers cultural exchange program participants. It is available for a minimum of 30 days and can be renewed up to a length of 48 continuous months. Most coverage options satisfy J1 and J2 visa requirements. The Patriot Exchange health insurance program provides effective coverage 24 hours a day while you are away from home.

IMG Multi-Trip Insurance

Patriot Multi-Trip  is designed for individuals and families who travel frequently outside their home country throughout the year. The plan offers the ease and convenience of purchasing an affordable single annual premium plan that provides coverage for trips up to 30 or 45 days in length for each trip taken during a period of 12 months. The plan provides up to $1,000,000 of medical coverage and services.

IMG Insurance for US Seniors

GlobeHopper Senior addresses the insurance needs of seniors who are U.S. citizens and U.S. permanent residents and need temporary medical insurance while traveling outside the USA. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $1,000,000.

See our comparison of Senior Travel Insurance Plans .

Group Options from IMG

IMG offers several group plans for employers, including several different travel and global medical insurance plans.

Groups: Global Medical Insurance Logo

Global Benefits for Organizations

  • Offering group plans for international health, life and travel
  • Request a quote from the leading insurers around the globe
  • A licensed agent will provide quotes and expert advice
Review your options - Group International Benefits

IMG Insurance for Europe

  • Global Prima Medical Insurance from IMG is a comprehensive, annually renewable global medical plan for individuals and families living and working abroad. Designed specifically for the European market, it includes an option to purchase coverage in Europe only, so subscribers do not have to pay for coverage in areas of the world that they will not be going to. Request a free online quote now!
  • GlobeHopper Platinum is a flexible travel medical plan designed for travel to and from European countries. Subscribers may purchase this plan for any length of time from 30 days to 36 months – and, so long as they are covered, they may extend until they reach the 36 month limit. The GlobeHopper Platinum plan is extremely flexible, offering three different coverage maximums and five coverage add-on options. Subscribers may pay in USD, GBP or Euro. Request a quote online here .
IMG is listed as a Top 10 Travel Insurance Company and one of the Best Health Insurance Companies .

International Medical Group Insurance Provider Network

IMG's extensive global network of doctors, facilities and care providers can provide you with exceptional medical treatment wherever you are in the world. The company provides easy-to-use tools that help subscribers quickly find the right healthcare provider to fit their needs.

IMG Global International Doctors Network (Outside of the USA)

IMG provides a helpful online database of providers for anyone outside of the USA who needs care and has purchased an IMG Travel Insurance Plan , an  IMG Global Medical Plan , or any other IMG insurance product. The International Provider Access database allows subscribers to search for medical, dental, and other care providers by facility, country, city, physician, and specialty worldwide. Note: U.S. providers are not included in this database.

Search IMG’s International Provider Access

IMG’s PPO Network in the USA

If you have purchased coverage within the United States, your plan gives you access to a preferred provider organization (PPO) network.  While you can see any doctor, using a provider within the PPO network is likely to reduce your out-of-pocket expenses. Your insurance card should include a logo that shows whether your plan uses the First Health PPO network or the UnitedHealthcare PPO network. To access a list of providers in that network, click on the link related to your network below.

The PPO directory is updated regularly but changes may be made between updates. Contact the physician’s office to confirm his/her participation in your PPO network.

You can narrow your provider results by providing more criteria, such as location and specialty. If you cannot find a provider in your city or country, please contact IMG’s Customer Service Department via their contact form here .

First Health : Search PPO

UnitedHealthcare : Search PPO

International Medical Group Insurance Services

International Medical Group (IMG) is your plan administrator for assistance and customer care. They offer a number of online tools to allow subscribers to complete routine tasks as well as phone and email points of contact for customer service.

My IMG Client Zone

Through My IMG  you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Some features include:

  • Get explanation of benefits Initiate pre-certification
  • Obtain certificate documents
  • Locate a provider
  • Recommend a provider/facility
  • Request or print ID cards

Go to  MyIMG Client Zone

IMG Claims Processing

Log onto  My IMG SM to submit claims using their online claims form.

If you have an IMG Global plan, you may also use the following address to send any information to IMG's Claims department.

International Medical Group Claims Department PO Box 88500 Indianapolis, IN 46208-0500

If you have an IMG Europe plan, you may use the following contact information to send information to the IMG Europe claims department.

International Medical Group Claims Department Kingsgate, High Street, Redhill, Surrey RH1 1SH, United Kingdom

IMG Customer Service Contact Information

Postal Mail:

IMG Global International Medical Group (IMG) 2960 North Meridian Street Indianapolis, IN 46208

IMG Europe International Medical Group (IMG) Kingsgate, High Street, Redhill, Surrey RH1 1SH, United Kingdom

IMG Global C [email protected]

IMG Europe [email protected]

IMG Global Within the USA: 800-628-4664 Outside the USA: 317-655-4500 (call collect and indicate that you have a medical emergency)

IMG provides on-site, multi-lingual claims administrators and customer service representatives who process tens of thousands of claims each year. IMG also has international service and assistance centers around the world, so that when you call you can speak to someone in a nearby time zone.

+44 2920 474 236

International Medical Group FAQs

Is img insurance good.

IMG is a respected name in the international medical insurance industry, with products geared toward travelers, global citizens, and people living in a country not their own. They are one of our top-rated insurance companies and consistently place in the list of top international travel and best health insurance companies worldwide.

The company has been in operation since January 1990. with more than 30 years of serving the global community, IMG provides complete plan administration expertise. Its globally recognized underwriter, SiriusPoint, offers the financial security and reputation demanded by international consumers. Rated A- (Excellent) by A.M. Best and A- by Standard & Poor's*, SiriusPoint shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company.

Who is the underwriter for IMG insurance plans?

IMG's globally recognized partner, Sirius Specialty Insurance Corporation (SSIC), offers the financial security and reputation demanded by international consumers. As the underwriter, Sirius is Rated A (Excellent) by A.M. Best and A- by Standard and Poor's, offering the stability of a well-established insurance company.

What are adventure sports for IMG insurance?

IMG offers optional add-on insurance to their patriot travel insurance plan that covers the following adventure sports, so long as they are being participated in at an amateur level: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.

If you’re a thrill-seeking traveler who enjoys life’s more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

How do I extend IMG insurance?

Before the end of your term of coverage, IMG will email you at the address you provided them when you began your coverage. This email will include a link that will allow you to extend your coverage. You must extend your coverage before your current plan expires.

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IMG Travel Insurance Review: Flexible Options For Your Next Trip

MG Travel Insurance Review - picture of man jumping in air on mountain top

This article may contain references to some of our advertising partners. Should you click on these links, we may be compensated. For more about our advertising policies, read our  full disclosure statement  here.

In this IMG Travel and Travel Medical Insurance review, we’ll explore what plans they offer, how they compare with each other, and which plan is best for different situations. Enjoy!

When planning a trip, it’s crucial to consider protecting your financial and physical well-being. If you’ve put down expensive, non-refundable deposits, it’s smart to protect those investments with a travel insurance policy. You might tell yourself you can’t afford it, but it’s more likely that you can’t afford to skip it .

The other major consideration is the cost of medical care outside your home country. No one likes to think about it, but what if you get injured or fall ill during your trip? Travel medical insurance covers the cost of emergency care so you can focus on getting better without worrying about the expense.

Today I’ll review IMG travel insurance and travel medical insurance. IMG offers a ton of products to meet the needs of almost any traveler. While I don’t have space to get into the nitty-gritty off all the options, I’ll focus on the main travel insurance and travel medical insurance plans to give you an idea of how they work and what’s included.

Here we go!

IMG at a Glance

  • Customizable, renewable travel medical insurance
  • Multi-trip travel medical plan for frequent travelers
  • Travel insurance featuring trip cancellation, trip interruption, and emergency medical coverage
  • Specialty travel medical plans for seniors, missionaries, U.S. visitors, and expats

IMG Travel Insurance Products

IMG offers two broad types of products: travel insurance and travel medical insurance.

Travel insurance (sometimes called trip protection) protects the investment you make in your trip. Its main features are trip cancellation and trip interruption, but it includes other benefits, too.

Trip cancellation gives you money back on your non-refundable trip costs when you need to cancel your trip for a covered reason. Trip interruption reimburses your non-refundable costs if you need to return home suddenly once your trip has started.

Travel insurance plans also typically cover some of the inconveniences that might come up when you travel. Think things like delayed flights and delayed or lost baggage. Travel insurance plans often include emergency medical coverage as well, making them well-rounded options for many travelers.

IMG offers the following travel insurance plans:

iTravelInsured Travel Lite Insurance

Itravelinsured travel se insurance, itravelinsured travel lx insurance.

The other main type of insurance IMG sells is called travel medical insurance. These policies provide temporary medical coverage when you’re traveling outside of your home country. They cover the cost of emergency medical treatment in the unfortunate event you get injured or sick during your trip.

IMG offers the following travel medical plans for coverage outside the U.S.:

  • Patriot Travel International Medical Insurance

Patriot Platinum International Travel Medical Insurance

Patriot multi-trip travel medical insurance.

They also offer three travel medical plans for non-U.S. residents who need short-term medical coverage while visiting the U.S.:

  • Patriot Travel America
  • Patriot Plus America
  • Patriot Platinum America

Although it is beyond the scope of this review to include details on these, be aware that IMG also offers specialty plans targeting international students, expats, seniors, and missionaries. Check out their website to learn more .

IMG Travel Insurance: What’s Included?

First, let’s take a closer look at the benefits included with IMG’s travel insurance plans.

Travel Lite is IMG’s entry-level plan. It offers secondary coverage, which means you have to exhaust other forms of insurance before IMG will pay a claim. Even though it’s a budget pick, it boasts impressive coverage.

iTravelInsured Travel Lite Insurance Highlights

Travel SE is IMG’s most popular plan. It’s suitable for domestic or international travel , including cruises. It includes all the benefits of the Travel Lite plan, but with higher levels of coverage, plus a few extra perks.

iTravelInsured Travel SE Insurance Highlights

Travel LX is IMG’s deluxe travel insurance plan, providing the broadest range of benefits with the highest levels of coverage. It includes everything the Travel SE offers and more.

iTravelInsured Travel LX Insurance Highlights

The biggest perks are the cancel and interrupt for any reason coverage. With the other plans, these benefits only apply when you cancel or interrupt your trip for a covered reason. The covered reasons are fairly inclusive, but you can’t beat the flexibility of being able to change your plans for any reason.

The Travel LX plan will appeal to adventure travelers, since it covers the sports and recreation activities excluded under the other plans. Those types might also be more likely to rent sporting equipment, so they might appreciate being covered for that, too.

IMG Travel Medical Insurance: What’s Included?

Now let’s take a closer look at the benefits included with IMG’s travel medical insurance plans.

Patriot Travel International Travel Medical Insurance

The Patriot Travel International plan is IMG’s most popular travel medical insurance product. It offers short-term medical coverage when traveling outside your home country and is renewable up to 24 continuous months. Maximum limits and the deductible you pay are customizable, so you can design a plan that meets your needs and your budget.

Patriot Multi-Trip Travel Medical Insurance Highlights

As you can see, it includes a slew of medical benefits. Be sure to visit the website to review a comprehensive list (spoiler alert: It’s long).

The Patriot Platinum plan offers the highest level of coverage of any of IMG’s international travel medical plans. It includes the same benefit categories as the Patriot plan, but in many cases, more coverage. It also adds:

  • Remote transportation
  • Supplemental accident
  • The ability to extend coverage to up to 36 months

Note that you can add additional coverage for adventure sports to any of IMG’s travel medical plans.

The Patriot Multi-Trip plan is an ideal solution for frequent travelers . It covers all trips lasting up to 30 or 45 days in a 12-month period and is renewable for up to 36 months. Unlike the other travel medical plans, the coverage limits and benefits are not customizable.

Summary of what all Patriot International Travel Medical plans include

Benefits include but are not limited to:

  • Medical expenses
  • Emergency dental
  • Emergency and political evacuation
  • Emergency reunion
  • Return of mortal remains
  • Return of minor children
  • Accidental death and dismemberment
  • Trip interruption
  • Lost luggage

A Note About the Patriot America Plans

IMG offers three plans for non-U.S. residents visiting America . The Patriot Travel America, Patriot Plus America, and Patriot Platinum America offer similar benefits to the Patriot International plans, with some distinct features. Consult the certificate of insurance for specifics.

How Much Do They Cost?

The price of IMG’s plans will depend on:

  • The plan you select
  • The duration of coverage
  • Your destination
  • The value of your trip (for the travel insurance plans)
  • Your desired coverage limit and deductible (for the travel medical insurance plans)

For accurate pricing, it’s best to get a quote directly from IMG. Don’t worry – it’s fast and easy on their website.

Just for fun, I tested out the system and grabbed a fast quote for a hypothetical family of four from Alabama spending a week in sunny Dominican Republic. Their ages are 38, 36, 10, and 8. Their trip costs $5,000. These are their quotes:

  • iTravelInsured Travel Lite: $172
  • iTravelInsured Travel SE: $196
  • iTravelInsured Travel LX: $392
  • Patriot Travel International: $35.02
  • Patriot Platinum: $49

As you can see from those quotes, the travel insurance plans are much more expensive than the travel medical plans. That’s because the travel insurance plans include trip cancellation coverage for $5,000, which is an expensive benefit. The Travel LX plan, which is the most expensive on the bunch, includes cancellation for any reason, which is part of what drives up the cost.

IMG: What Isn’t Covered?

Certain sporting and recreational activities (except travel lx).

With the exception of the iTravelInsured Travel LX plan, IMG’s travel insurance plans don’t cover losses related to certain sporting and recreation activities that are considered adventurous. The travel medical plans come with the option of adding coverage for an extra charge, but they don’t include it by default. Consult your specific plan to see which activities are excluded. (Pssst: For incredibly inclusive adventure sport coverage, check out World Nomads ).

Anyone Who Is Pregnant, HIV+, or Disabled

The Patriot Travel Medical plans won’t cover anyone who is HIV+, pregnant, hospitalized, or disabled on the plan’s effective date. While it’s a given that people in the hospital won’t be traveling, it’s important for pregnant women and HIV+ travelers to be aware of this exclusion and look elsewhere.

> Read More: Best Travel Insurance Companies This Year

Losses Related to War

Like most travel insurance and travel medical insurance providers, IMG will not cover losses related to war, civil unrest, hostilities between nations, riots, and the like.

Pre-Existing Medical Conditions (With Some Caveats)

Generally speaking, IMG’s plans cover losses related to pre-existing medical conditions, but there are some caveats.

The definition of pre-existing medical condition varies by plan. IMG’s iTravelInsured travel insurance plans define it as a condition for which you sought care, treatment, testing, or medication in the 60 days before your plan effective date. The Patriot travel medical insurance plans define it as a condition that required treatment, testing, or medication (including a change in medication) in the 30 days before the plan effective date.

The iTravelInsured travel plans do not cover pre-existing medical conditions. However, a pre-existing condition exclusion waiver is available with the Travel SE and LX plans if you purchase it within 20 days of your initial trip payment.

The Patriot single-trip plans cover acute onset of pre-existing conditions for travelers under age 70. That means that if a condition is stable for 30 days before your policy comes into effect, but something unexpected comes up when you’re traveling, you’re covered. The Patriot Multi-Trip plan covers sudden and unexpected recurrence of a pre-existing medical condition.

Who Can Be Covered?

IMG Travel Insurance Review - picture of young woman in India

To be eligible for IMG’s Patriot single-trip travel medical insurance plans, you must be at least 14 days old and cannot be pregnant, HIV+, hospitalized, or disabled on the date your coverage begins. Only non-U.S. residents are eligible for the Patriot America travel medical plans. Travelers under age 76 with their own domestic health insurance policies are eligible to purchase the Patriot Multi-Trip plan.

IMG’s iTravelInsured travel plans cover travelers up to age 99 who are medically able to travel on their plan effective date.

Pros and Cons of IMG Travel and Travel Medical Insurance

Who should buy it.

  • Seniors: IMG’s travel insurance plans cover travelers up to age 99, so age won’t prevent seniors from securing the protection they need. IMG also offers a product specifically for seniors that is worth checking out.
  • Groups: IMG offers group rates, which means your travel posse might be eligible for a discount. Get a quote today to find out .
  • Travelers Looking for One Product to Cover All Their Needs: IMG’s travel insurance plans bundle trip protection, emergency medical coverage, and convenience features. For many travelers, this is a simple solution that covers all their needs.
  • Travelers Seeking Customizable Coverage: Travelers seeking to customize their medical coverage and deductible can select a travel medical plan that suits their needs and budget. The Patriot plans offer high levels of coverage that will satisfy even the most discerning traveler.
  • Long-Term Travelers: IMG’s travel medical plans are renewable up to 24 or 36 months, depending on the plan. That means travelers with a case of wanderlust won’t find themselves without protection if they decide to extend their trip.
  • Frequent Travelers: People who travel several times per year might benefit from IMG’s Patriot Multi-Trip Travel Medical Insurance. Rather than buying a policy for each individual trip, getting the multi-trip plan means you’ll be covered for all trips within a year.

Who Should Skip IMG?

  • Anyone Who Is Pregnant or HIV+: IMG’s travel medical plans won’t cover travelers who are pregnant or HIV+ on the plan effective date. While most travel medical insurance providers will not cover claims related to routine care during pregnancy, most of the ones I have reviewed do not refuse to cover pregnant women altogether. So even if you’re trying to get pregnant, I would look elsewhere. Similarly, while many providers do not cover pre-existing medical conditions, most do not exclude people completely based on HIV status.
  • Anyone Looking for Travel Insurance Lasting Longer Than 90 Days: IMG’s travel insurance (as opposed to the travel medical) plans cover trips lasting up to 90 days. If you’re planning to be away for an extended period, the travel medical plans might work for you, since they are extendable up to 24 or 36 months. Of course, the travel medical plans don’t include the same benefits as the travel insurance plans. Notably, they don’t provide trip cancellation. You might want to check out SafetyWing Travel Insurance instead.
  • Travelers Looking to Bundle Trip Cancellation With Customizable Medical Coverage: When you shop IMG, you basically have to choose between two key benefits: trip cancellation and customizable medical coverage. You can get either, but not both on the same plan. If you opt for a travel insurance plan, you get trip cancellation and one-size-fits-most emergency medical coverage. If you opt for a travel medical plan, you get to choose your level of medical coverage and the deductible you’re comfortable paying, but you forfeit trip cancellation. This is the case with many providers, but it can still be a difficult decision.

How to Buy IMG Travel Insurance or Travel Medical Insurance

The easiest way to buy IMG travel insurance or travel medical insurance is on their website . Start by entering information about yourself, your traveling companions, and your trip. You’ll get a quote for all the plans that meet your needs. From there, choose the one that works best for you and purchase it online. If you need help, you can always contact IMG.

How to Make a Claim

If you need to file a claim, you can log into MyIMG to complete and submit claim forms online. Alternatively, you can mail claim forms and original itemized bills to IMG’s claims department. IMG needs to receive all relevant documents within 90 days of the service you’re claiming.

IMG Travel Insurance Plans: Are They a Good Buy?

IMG offers so many options that one is bound to suit your needs. The travel insurance plans are good all-in-one options for people who need trip cancellation coverage. Even the iTravelInsured Travel Lite, which is the entry-level offering, has solid trip protection and medical coverage. For anyone who doesn’t need customizable medical coverage or deductibles and wants to protect their trip, IMG travel insurance plans are a good buy.

Travelers who don’t need trip cancellation or trip delay can save some money and gain more control over their medical coverage by opting for travel medical insurance.

IMG Travel Insurance Review Pin - picture of man jumping in air on mountain top

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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Our best travel insurance for visitors to Canada

Canada entry requirements & travel information, why should i get travel insurance for my trip to canada, what types of travel insurance do i need for canada, what doesn’t travel insurance for a trip to canada cover, how much does travel insurance for canada cost, tips for choosing the best travel insurance for canada, canada travel insurance faqs, related topics.

Travel Insurance to Canada: Tips & Quotes for US Visitors

Sarah Stasik

  • Based on our research, our top picks for Canada travel insurance come from Tin Leg, Seven Corners, Generali Global Assistance, Travel Insured International, and IMG . ( skip ahead to view these insurance plans )
  • It is a good idea to purchase Canada travel insurance because US private insurance and Medicare will not work in Canada .
  • Despite having a robust public health system, there is no free health insurance in Canada for visitors.
  • If you are without a travel insurance policy, any medical treatment you receive while in Canada will leave you out of pocket .
  • The most basic policy you should acquire is one that covers both travel medical insurance and medical evacuation coverage.
  • To help you find the right travel insurance for your trip to Canada, try using an online comparison tool . This way you can get multiple quotes and compare your options easily in one place.

Whether you’re planning to visit Niagara Falls, hike through Banff National Park, or show off your French accent outside of France in Montreal, Canada is an ideal travel destination.

You don’t even need a visa for trips lasting less than 180 days , so it’s also relatively easy to plan a Canadian vacation. That said, it’s important to plan for emergencies.

When travelling to Canada insurance reimburses some of your expenses if you have to cancel your trip for a covered reason. It may also cover losses associated with delays, rental car damage, rental car theft, or problems with your baggage.

To help you plan a hassle-free trip, we researched the requirements for traveling from the United States to Canada. Find out why we recommend comprehensive travel insurance for your trip.

Our top picks for the best canada travel insurance

  • Tin Leg: Best for High Medical Coverage
  • Seven Corners: Best Coverage for Pre-Existing Conditions
  • Generali Global Assistance: Best Basic Coverage
  • Travel Insured International: Best for Medical Evacuation Coverage
  • IMG: Best for Travelers Aged 80+

Best for High Medical Coverage

Tin Leg

Why We Like It

Editor's take

Tin Leg’s Gold policy is renowned for offering top-quality travel insurance at reasonable prices and at a competitive rate.

AM Best rates all of Tin Leg’s policies at A- or higher when it comes to their financial strength and Tin Leg’s Gold plan is no different. What makes this policy stand out is its great medical and evacuation coverage limits, all offered at an affordable price.

With both trip cancellation and interruption coverage offered for numerous instances, including COVID-19, you will covered should the worst happen while visiting Canada. The high coverage of $500,000 for emergency medical expenses and up to $500,000 in emergency medical evacuation coverage both make the Tin Leg Gold policy a popular travel insurance choice.

Read our full review

  • Excellent primary coverage for medical expenses
  • High limit for emergency evacuation coverage
  • Optional cancel for any reason (CFAR) coverage available
  • Comes with coverage for hurricanes and inclement weather
  • Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
  • Baggage delay coverage requires a 24-hour waiting period
  • Low coverage limits for baggage and personal effects

Best Coverage for Pre-Existing Conditions

Seven corners.

This Trip Protection Choice plan from Seven Corners offers great all-around coverage at a competitive price. Although at the lower end of the price spectrum, Trip Protection Choice provides travelers to Canada with a reassuring $500,000 in primary medical coverage. To match this high level of coverage, this plan from Seven Corners also offers $1 million in medevac and repatriation coverage, which is some of the highest around.

Further popular additions include trip cancellation, interruption, and delay coverage, accidental death & dismemberment coverage, baggage damage and loss coverage, and a 14-day money-back guarantee.

Trip Protection Choice is a great choice for those with pre-existing conditions. The pre-existing conditions waiver stipulates you can be covered if:

  • The policy payment & enrollment form is received within 20 days of the initial trip payments/deposits and within 15 days of payment for any subsequent travel arrangements added to your trip
  • You or your traveling companion are medically able to travel and at the time your premium is paid based on the assessment of a physician.
  • Offers coverage for pre-existing conditions
  • Money-back guarantee
  • Cancellation & Interruption coverage standard
  • Covers action sports & equipment
  • Cancel for any reason not included standard
  • Must meet waiver for pre-existing conditions to be covered

Best Basic Coverage

Generali global assistance.

Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and so much more for your visit to Canada. With an A rating from AM Best, it is no wonder that Generali Global Assistance is one of the more popular choices when it comes to travel insurance.

Generali Global Assistance’s Standard plan is fantastic for those who are looking for basic coverage at an affordable price. Offering both trip cancellation and interruption, this standard plan is perfect for countering those unforeseen circumstances.

Other Standard plan perks include $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.

  • Lowest cost of all Generali Global Assistance plans
  • 24/7 emergency travel assistance included
  • Telemedicine included
  • Lower coverage than other Generali plans
  • Pre-existing conditions are not covered by the Standard plan
  • No coverage for accidental death and dismemberment during on-land travel

Best for Medical Evacuation Coverage

Travel insured international.

Travel Insured International’s Worldwide Trip Protector offers superior coverage and is ideal for those looking to take a trip over the border to Canada. This plan covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, and $1,500 for trip delays.

A popular perk is the Worldwide Trip Protector $500 coverage for baggage delays after only 3 hours. When it comes to medical coverage, Worldwide Trip Protector provides $100,000 of secondary medical coverage and $1 million of evacuation coverage - ideal if the worst should happen in the Canadian wilderness.

  • Travel delay coverage kicks in after just six hours
  • Generous $150,000 non-medical evacuation coverage
  • CFAR and IFAR coverage not included
  • Baggage delay coverage only kicks in after 12 hours
  • No rental car coverage

Best for Travelers Aged 80+

IMG’s iTravelInsured Travel LX Basic is a great plan for travelers of all ages and offers fantastic coverage for surprisingly low prices. For example, with this plan, you will be covered for up to $500,000 of primary emergency medical coverage - meaning you won’t be out of pocket and waiting for a reimbursement while traveling.

This plan also comes with travel cancellation, interruption, and travel delay coverage as well as $40,000 in rental car damage protection included. Protection for baggage delays and baggage loss also comes standard.

Elderly travelers to Canada will also see the appeal of the iTravelInsured Travel LX Basic’s ‘look-back period of 60 days’ This means it only considers pre-existing conditions as “an illness, disease, or other condition during the 60-day period immediately prior to the date your coverage begins.”

  • 10-day money back guarantee
  • Generous limits for trip delays, emergency evacuation, and more
  • Coronavirus-related medical expenses covered
  • Rental car coverage included
  • Recently developed pre-existing conditions may not be covered
  • CFAR and IFAR coverage only available as an add-on with premium plans

The table below provides an overview of entry requirements and travel information for your trip to Canada from the United States, according to the US Department of State .

Do I need a passport to visit Canada?

Yes. Under the Western Hemisphere Travel Initiative , all U.S. citizens must present a valid passport when crossing the US-Canada border.

Do I need to be vaccinated to go to Canada?

No. Canada travel restrictions don’t include any vaccine-related requirements for American citizens .

Do Americans need travel insurance in Canada?

You may not have to use your travel insurance in Canada, but, it’s worth bearing in mind that you won’t be financially covered for medical expenses if you require emergency care.

That means that the Canadian government will charge you for any treatment received and you could be left out of pocket should anything unexpected happen. This is also the case even if the services or medications provided would normally be covered in the United States.

When planning your visit to Canada, insurance may not be top of mind. However, an emergency can happen at any time, making travel insurance helpful in the following situations:

  • Accidents: If you’re in a car accident, fall down the stairs at your hotel, or injure yourself while sightseeing, travel medical insurance will cover the cost of diagnosing and treating your injuries.
  • Illnesses: Even if you’re healthy, there’s a chance you could come down with food poisoning, develop appendicitis, or display symptoms of another serious illness while you’re in Canada. If this happens, your American health insurance won’t foot the bill, nor will Canada’s publicly funded health care system. Travel insurance will cover your medical expenses, including X-rays, blood tests, CT scans, physical exams, and medications.
  • Cancellations : No matter how much planning you do, there’s always a chance that you’ll have to cancel your trip due to an emergency. If you don’t have travel insurance, you may not be able to get any of your money back.
  • Medical evacuation : If your travel plans include rural areas with limited access to health care services, you may need to be evacuated to another area. Travel insurance often includes coverage for medical evacuations.

Hazards in Canada’s national parks

Canada is home to 38 national parks. These great expanses of wilderness are incredible places to explore and are populated with wildlife of all kinds. These parks offer great opportunities to hike, ski, climb, and camp. As we can see from the official Canadian National Park website , they are also volatile regions, susceptible to extreme weather fronts and close encounters with potentially dangerous animals.

Travel insurance for emergency medical evacuation, medical coverage, and adventure sports coverage are a must while exploring the vastness of the Canadian wilderness. However, not all plans automatically cover adventure activities, so it is important to compare plans before purchasing.

Wildfire season

Wildfire season in Canada typically runs from May through to October. In recent years, particularly in the west of the country, Canada has begun to experience far more extreme and prolonged wildfires. While predicting the movement of wildfires and their effects can be difficult, downloading local alert apps and keeping yourself updated via government websites all help avoid any disastrous situations.

Ensure your travel insurance policy has high-quality emergency evacuation and trip cancellation insurance. This will allow you to be far more prepared and flexible should wildfires affect your vacation plans.

Winter weather

Canada’s winter weather can be some of the most extreme in all of North America and the beginning of 2024 brought one of the worst snow storms of recent years . Having high-quality emergency evacuation and trip cancellation insurance will ensure you are covered should your trip be hit by heavy snow storms and adverse weather conditions.

Winter sports

Canada is famous the world over for its winter sports. Numerous tourists come to Canada every year to experience the thrill of skiing, snowboarding, and riding snowmobiles on its many trails. As highlighted in Canada’s official government website on the issue, you should take extreme caution by avoiding closed trails and keeping up-to-date with local weather reports, especially where there is a risk of avalanches and winter storms.

Similarly to those exploring Canada’s grand national parks, it’s advisable to ensure your policy offers adventure sports coverage and emergency medical evacuation coverage, should the worst happen during your trip.

Travel insurance plans are typically divided into two distinct categories:

Medical-based travel insurance

  • Comprehensive travel insurance

What is included in your overall coverage depends on the type of policy you purchase.

The most basic level of travel insurance for Canada visits should be a policy that is medical-based. Medical insurance for Canada is often the cheapest level of insurance you can buy. Medical insurance will cover you should you experience any illness or accidents during your vacation.

As noted above, Medicare and other US private insurers won’t cover you while you are in Canada, so those without medical-based travel insurance will be left out of pocket should the worst happen. Therefore, when visiting Canada, health insurance should be at the top of your travel checklist.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

  • Emergency medical insurance : At a minimum, we recommend getting a plan that provides health insurance for visitors to Canada. Travel medical insurance covers a wide range of health care expenses. For example, if you develop a health condition after eating contaminated food, travel medical insurance should cover the cost of blood tests, IV fluids, and other types of medical care.
  • Medevac insurance: You may be used to having a hospital within just a few miles of your home. When you’re traveling, that’s not always the case, especially if you plan to spend time in a national park or hunt in the Canadian wilderness. Medical evacuation insurance , or medevac, pays to transport you to the nearest suitable medical facility if you develop a serious illness or injury during your trip.

Medical plans will not include far more in-depth travel insurance add-ons such as trip cancellations or trip cost reimbursement. If you require this additional coverage, you will need to purchase a more comprehensive travel insurance plan.

Comprehensive travel coverage

When selecting a travel insurance policy, you have the option of purchasing plans that reimburse you for non-refundable prepaid trip expenses and plans that don’t. You may want to be insured for things such as trip cancellations, trip interruptions, travel delays, and the loss of personal items. If this is the case, you will need to select an insurance policy that covers you for trip cost reimbursement.

Some medical-based plans may reimburse you for a canceled or interrupted trip if it is the result of a pre-covered illness or injury. However, your trip may be interrupted or canceled based on unforeseen events such as a terrorist attack or natural disaster. In this case, you will need to purchase a policy that covers cancellation and interruption coverage for prepaid, nonrefundable expenses to make a claim.

Further below , you will see a cost example that shows the difference in prices of medical-based plans versus comprehensive travel insurance coverage.

Optional Add-ons

Some travel insurance for Canada vacations will also offer cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including this will allow you far more flexibility should you change your Canadian vacation plans.

Does US health insurance work in Canada?

US government health plans such as Medicare, Medicaid, Tricare, and the State Children’s Health Insurance Program will not pay for health care while in Canada. This includes treatment such as hospital visits and the supply of prescription drugs.

The only exceptions to these rules are where you require emergency medical treatment within the US and the closest hospital is across the Canadian border. Also, if you are passing through Canada between Alaska and a US state and a medical emergency arises.

Generally speaking, most travel insurance policies exclude coverage for the following scenarios:

  • Claims resulting from illegal activities
  • Claims related to medical tourism
  • Injuries resulting from intoxication from drugs or alcohol
  • Cancellations due to fear COVID-19 (See COVID-19 travel plans)

Aside from the highly obvious reasons, some travel insurance providers will also include restrictions are the following situations :

  • Pre-existing medical conditions: Unless you have a waiver, most travel insurance plans do not cover pre-existing conditions . To qualify for a waiver, you typically must purchase your travel insurance plan within 14 to 15 days of making your initial trip deposit.
  • Adventure sports : Standard travel insurance plans won’t usually cover injuries associated with skiing, rock climbing, and other adventure activities you may do on your Canadian vacation. If you plan to do these types of activities, make sure to purchase coverage that includes these types of sports.
  • Pregnancy-related care: Regular wellness care and normal delivery are not covered by travel insurance. However, emergency care that you require while traveling while pregnant may still be covered.
  • Non-emergency medical care :Non-emergency procedures that can wait until you return home are not covered by travel insurance.

Travel Insurance for a trip to Canada can cost as little as around $1 per day for the cheapest, most basic coverage . For more comprehensive plans, you can expect to pay around $8 to $10 per day.

To compare the cost of travel insurance , we got price quotes from a few popular companies.

We used the following details to obtain quotes:

  • Destination: Canada
  • Age: 35 years old
  • Trip length: 7 days
  • Trip cost: $2,000
  • Date September, 2024

The table below shows quotes for basic travel insurance plans.

Cost Example Where Travel Insurance Plan Doesn’t Reimburse the Full Trip Cost

While searching for a travel insurance plan, you may wish to have more comprehensive protection for your trip to Canada. To give you an idea of how much this costs, we compared quotes for plans that reimburse the full cost of a trip for the table below.

Cost Example Where Travel Insurance Plan Reimburses the Full Trip Cost

When searching for travel insurance, keep in mind that several factors impact how much you’ll pay.

Factors that influence the cost of travel insurance include:

  • Your age: Even if you’re in good health, your risk of developing medical problems increases as you age. Insurance companies charge higher premiums for travel insurance for seniors to account for their increased risk.
  • The cost of your trip: The more you spend on your trip, the more an insurance company is likely to owe you if you have to file a claim. Therefore, insurers charge more to cover expensive trips.
  • The length of your trip: The longer you plan to travel, the more you can expect to pay for travel insurance.
  • Your destination: Your insurance company may charge more for some destinations than others, increasing your cost of coverage.

Before you purchase travel insurance for your trip to Canada, follow these tips to find the best plan :

Shop around and compare

Just because a plan has the highest premium doesn’t mean it offers the best coverage. Use the LA Times Comparison Tool to determine which company offers the most benefits at the lowest price.

Think about additional coverages you may need

Travel insurance doesn’t usually cover injuries associated with skiing, rock climbing, and other adventure activities. If you plan to do one of these activities, look for a plan that includes extra coverage.

Adjust your transportation plans

Travel insurance doesn’t cover trip delays unless you’re traveling via a common carrier. You may want to adjust your transportation plans to ensure that you’re eligible for this type of coverage.

Purchase a policy early

You may be able to get a better deal on travel insurance if you purchase a plan as soon as you make your initial trip deposit.

Do I need travel insurance to visit Canada?

You are not legally required to buy travel insurance to visit Canada, but it should be a top priority. You should always purchase travel insurance before you travel outside the United States. This type of insurance reimburses you for expenses associated with trip cancellation, trip delays, and other travel issues, limiting your losses.

Can I use my US health insurance in Canada?

No. Both private and government-sponsored health insurance plans only cover expenses incurred in the United States.

Do I need travel health insurance for Canada?

It’s a good idea to purchase travel medical insurance before you go abroad. This type of insurance covers emergency transportation, physical exams, diagnostic tests, medications, surgical procedures, and other health expenses. Most travel insurance plans will also include coverage for COVID-19 as standard.

Can Americans travel to Canada without a COVID-19 test?

No. Canada no longer requires tourists from the United States to take a COVID-19 test or quarantine before entering the country.

What happens if I get sick in Canada?

If you get sick in Canada and don’t have travel medical insurance, you will have to pay for your own hospital or medical services. This is why it’s so important to purchase travel insurance with medical coverage before you embark on your trip.

Sarah Stasik

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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Patriot Lite Travel Medical Insurance SM

Individual & family – Short-term coverage available from five days up to two years.

  • Travel medical insurance for individuals, families, and groups
  • Coverage for medical expenses, evacuation, and repatriation
  • Renewable up to 24 months
  • Coverage for acute onset of pre-existing conditions

iTravelInsured Travel Insurance Brochure

iTravelInsured - Travel Insurance

  • Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
  • Travel insurance program for trips up to 180 days
  • Standard Coverage for trip cancellation and interruption
  • Emergency medical expense, evacuation, and reunion benefits
  • Three product options for varying levels of coverage

Patriot America Plus

Patriot America ® Plus

Short-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years

  • COVID-19 coverage for travelers to the U.S.
  • Coverage for non-U.S. residents traveling to the USA
  • Maximum Limits from $10,000 to $1,000,000

Global Medical Insurance

Global Medical Insurance ®

Individual & family – Flexible long-term annually renewable plan.

  • Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families
  • Annually renewable medical coverage
  • Deductible options from $100 to $25,000
  • Maximum limit options from $1,000,000 to $8,000,000

Patriot Platinum Travel Medical Insurance

Patriot Platinum Travel Medical Insurance SM

Individual & family – First-class short-term coverage available from five days up to three years.

  • 24/7 access to telehealth providers for non-emergency care
  • Medical coverage for unexpected illnesses & accidents up to policy maximum
  • COVID-19 covered same as any other illness
  • Maximum limits from $2,000,000 to $8,000,000
  • Emergency medical evacuation coverage up to policy maximum
  • Access to Travel Intelligence App for location-specific alerts & information

GEO Group

GEO SM Group

Groups of two or more members - Long-term annually renewable employer sponsored group insurance.

  • Employer-sponsored group health insurance for internationally assigned employees
  • Life, dental and daily indemnity coverage
  • Full group takeover and replacement provision
  • COBRA and HIPAA like options
  • Enhanced benefit option for U.S.-based employers

Patriot Multi-Trip Travel Medical Insurance

Patriot Multi-Trip SM

Individual & family - Short-term coverage available up to three years for travelers who take frequent trips throughout the year.

  • Annual multi-trip travel medical insurance for individuals, families and groups
  • Deductible of $250
  • Maximum limit of $1,000,000
  • Coverage for multiple trips up to 30 or 45 days
  • Flexibility to travel as many times per year

GlobeHopper Senior Insurance

GlobeHopper ® Senior

Individual & spouse – Short-term travel medical insurance for travelers age 65+

  • Travel medical insurance for travelers age 65+
  • GlobeHopper Senior Single-Trip is extendable up to 12 months
  • Deductible options from $0 to $2,500
  • Maximum limits from $50,000 to $1,000,000
  • Two plan designs – Single-Trip and Multi-Trip

Patriot Exchange

Patriot Exchange Program SM

Individual or groups of five or more members - Short-term coverage available from one month up to four years for educational and cultural exchange programs.

  • Medical insurance for students studying abroad or participants of cultural exchange programs
  • Deductible options from $0 to $100
  • Maximum limit $5,000,000
  • Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements

Student Health Advantage

Student Health Advantage SM

Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs.

  • Medical insurance for international students or scholars participating in a sponsored study abroad program
  • Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
  • Deductible of $100
  • Maximum limit for student: $500,000

Student Health Advantage Platinum

Student Health Advantage SM Platinum

  • Maximum limit for student: $1,000,000
  • Provides coverage for mental health, organized sports and pre-existing conditions

International Marine Medical Insurance

International Marine Medical Insurance SM

Groups of two members or more members - Long-term annually renewable group insurance for professional marine crew.

  • Worldwide group coverage for professional marine crew
  • $5,000,000 maximum benefit per insured person per period of coverage
  • Primary to the vessel's Protection and Indemnity insurance (P&I)
  • Coverage for individuals and dependents

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition. This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by of International Medical Group, Inc. and its representatives throughout the world. © 2007-2018 International Medical Group, Inc. All rights reserved. Privacy

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There's plenty to sort out when planning a trip, which is why we've made it quick and easy to compare travel insurance.

Whether you're planning a day trip, weekend break, or a much longer vacation, make sure you have the right travel insurance. Find out how you can go on your trip with peace of mind.

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No one wants to think about a trip to the hospital, but accidents happen. Make sure you have the right emergency medical coverage for your next trip.

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Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

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Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

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Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

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Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

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Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

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You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups.

Patriot Travel Series / Patriot Lite

Patriot Lite Travel Medical Insurance

P rovides 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.

Coverage may differ depending on your destination. View All Plan Details .

  • Coverages for inside and outside the U.S. ( Patriot America Lite / Patriot International Lite)
  • Short-term travel medical coverage
  • Coverage for individuals, groups, and their dependents
  • Available in daily and monthly rates
  • Freedom to seek treatment with hospital or doctor of your choice

Designed for...

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Ideal for Traveling Outside of Your Home Country

  • Coverage Inside the U.S.
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* Up to policy maximum if contracted and treatment is provided after the policy effective date

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All Patriot Series Plans Include...

Inpatient & outpatient services.

  • Physician Visits
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  • Return of Minor Children

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  2. Understanding International Health & Travel Insurance

  3. Travel Insurance for Canadian Travelers: Do You Really Need It?

  4. Travel Insurance Top Picks: Best Medical & Comprehensive Plans for All Countries

  5. 6 Affordable Best Travel Insurance for Visitors to Canada 2023 (Compare Top Plans & Prices)

  6. Travel Insurance Canada ALL YOU NEED TO KNOW

COMMENTS

  1. International Health & Travel Medical Insurance

    International Health and Travel Insurance Offerings from IMG. IMG is an award-winning global benefits and assistance services company and one of the only companies in the market to offer travel medical, international health, and travel insurance plans. Get a quote now and choose the right plan for your next trip:

  2. Travel Insurance & Trip Cancellation Plans

    Trip cancellation benefit up to 100% and interruption up to 150% of trip cost. COVID-19 treated the same as any other illness. $500,000 medical expense coverage for unexpected illnesses & accidents while traveling. $1,000,000 coverage for emergency medical evacuation. Trip delay coverage up to $2,500 after delay of 6 hours.

  3. Travel Medical & Travel Health Insurance Plans

    Travel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency. Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming.

  4. IMG Travel Insurance Review: Is it Worth It?

    In this case, IMG returned a total of 19 different plans. The cheapest plan cost $160.90 for the year and included worldwide health insurance and a deductible of $250. It's worth noting that you ...

  5. International Medical Group (IMG) Travel Insurance Review [2023]

    IMG offers 25 different insurance plans, ranging from basic travel medical insurance, comprehensive travel insurance, cruise and sports coverage, international medical insurance, and more. The company is known for its international medical insurance offerings , including plans for visitors to the U.S. (including non-U.S. citizens, students, and ...

  6. International Medical Group (IMG) Travel Insurance Plans

    Founded in 1990, International Medical Group (IMG) is a worldwide leader in designing, distributing, and administering global healthcare benefits and assistance services. Headquartered in Indiana, they provide insurance to customers in over 190 different countries. IMG has prepared plans that reach the needs of their various travelers to ...

  7. Affordable Travel Insurance Canada from IMG Outreach

    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 ...

  8. International Medical Group (IMG)

    The preeminent provider of travel and health safety solutions, IMG offers a wide range of industry-leading travel insurance products and 24/7 /365 assistance services to provide Global Peace of Mind® for individuals, families, and groups traveling away from home.

  9. IMG Travel Insurance Review

    According to our review, the average IMG traveler can expect to pay about $217 for premium coverage. While this number is comparable to other travel insurance providers, IMG also offers medical ...

  10. IMG Global Medical Insurance Plan

    The IMG Global Medical Plan is available to all nationalities (U.S. and non-U.S. citizens) from 14 days up to 74 years of age. U.S. citizens must plan to live out of their home country for at least 6 of the 12 months covered by the plan year. Persons 75 years of age and older are not eligible for coverage; however, if you enroll before your ...

  11. International Health & Travel Medical Insurance Plans

    Save your progress, pick up where you left off, or start over. View all IMG travel medical insurance, international health insurance, & trip insurance plans. Experience more and worry less with International Medical Group.

  12. International Medical Group (IMG) Travel Insurance Reviews

    IMG provides medical security and peace of mind, wherever you travel. Learn more about International Medical Group. Customers rated International Medical Group. 4.52 out of 5. 3,802. ratings and reviews. 95%. recommended. Write a Review How our reviews work.

  13. Patriot

    Learn more about IMG's international health and travel insurance plans by downloading the brochure for your chosen product. The brochure contains detailed information on benefits, exclusions, eligibility, and premiums. You can also find out how to apply, file a claim, or find a doctor with IMG.

  14. Global Medical Insurance

    customers worldwide since 1990. Owned by SiriusPoint, a multi-billion-dollar insurance industry leader and rated "A-" by A.M. Best, an independent analyst of the insurance industry, IMG has a strong financial backing and vision to become the preeminent provider of travel and health safety solutions.

  15. International Medical Group: IMG Global and IMG Europe

    Since 1990, International Medical Group Insurance (IMG) has risen to become one of the world's leading providers of global travel and medical insurance. Whether you are an individual traveler, an expatriate, a missionary, a student or scholar, a business or a maritime worker, IMG has a plan that will work for you.

  16. IMG Travel Insurance Review: Flexible Options For Your Next Trip

    Patriot Travel International: $35.02. Patriot Platinum: $49. As you can see from those quotes, the travel insurance plans are much more expensive than the travel medical plans. That's because the travel insurance plans include trip cancellation coverage for $5,000, which is an expensive benefit.

  17. International Medical Group (IMG)

    The preeminent provider of travel and health safety solutions, IMG offers a wide range of industry-leading travel insurance products and 24/7 /365 assistance services to provide Global Peace of Mind® for individuals, families, and groups traveling away from home.

  18. iTravelInsured Travel SE Trip Insurance

    Highlights. Family-friendly plan for domestic and international destinations. Trip cancellation maximum benefit up to 100% of trip cost. Trip interruption maximum benefit up to 150% of trip cost. Up to $125 per day per person to a maximum benefit of $2,000 for trip delay. $500,000 maximum benefit for medical evacuation and repatriation of remains.

  19. Travel Insurance to Canada: Trip Info & Quotes for US Visitors

    Trip Protection Basic. $25. $0 / $1,000. $100,000 / $250,000. While searching for a travel insurance plan, you may wish to have more comprehensive protection for your trip to Canada. To give you ...

  20. International Insurance Plans

    Highlights. Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families. Annually renewable medical coverage. Deductible options from $100 to $25,000. Maximum limit options from $1,000,000 to $8,000,000. Plan Details Download PDF. Get Quote. Price: Coverage:

  21. Vacation, Trip & Travel Insurance Canada

    Compare quotes and save today. There's plenty to sort out when planning a trip, which is why we've made it quick and easy to compare travel insurance. Single Trip Travel Insurance. Whether you're planning a day trip, weekend break, or a much longer vacation, make sure you have the right travel insurance. Find out how you can go on your trip ...

  22. Travel Insurance Application

    IMG travel insurance plans are designed to protect your trip investment with coverage for trip interruption, medical expenses, and more. Contact. Phone. IMG Products +1 (317) 655-4500. iTravelInsured Products +1 (317) 655-9796. Headquarters. 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240.

  23. Travel Insurance Costs Rise: February 26, 2024

    Amy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance.

  24. Patriot Travel Medical Insurance

    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. Patriot America Lite Coverage for inside the U.S. Patriot International Lite Coverage for Outside the U.S. Coverage may differ depending on your destination.