Travel Insurance Reviews International Medical Group
For more than 20 years, International Medical Group (IMG) has provided international medical insurance, travel insurance, and service to the international community, with worldwide coverage, multilingual capabilities, international claims specialists, and 24-hour access to services. IMG provides medical security and peace of mind, wherever you travel.
Learn more about International Medical Group.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Thank Goodness we didn't have to use the plan for a claim
Earl R. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured SE
I filed a claim for damages to my computer and an electric beard trimmer that occurred while my baggage was being transferred between hotels while I was on a tour in Turkey. It took some time and I submitted lot of paper work, but I was finally paid for the damaged items. I am happy with the outcome and I would recommend IMG, but I would also caution anyone who needs to file any kind of insurance claim to obtain as much documentation of your claim AT THE TIME of the injury or damage. Complete records are essential for quick compensation.
Steven O. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured SE
Our trip in March 2020 was interrupted due to water service being suspended in Cairo due to overwhelming rains. We were told that we were not covered for this since we were already on our trip. A few months ago we were contacted by IMG and told we could file a claim. We were lucky that we had kept all of our emails and receipts from our travel company and airlines. After many emails sending materials requested by IMG they reviewed our trip and we thought we received a very fair settlement for the portion of our trip missed. Knowing the process now, we will look at IMG for our next trip.
Zack B. would
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured LX
Do not do business with this company! Truly the worst experience with an insurance company I ever had. The company denied my claim because: “United Airlines indicates the purchased airline tickets have a credit value that can be applied toward future travel. A credit is not considered a loss until the credit is no longer available for use. United has indicated the credit is valid for one year from the issue date. The issue date is November 20, 2019. Additionally, they have indicated change fees would be waived for these tickets if exchanged. In the event the credit remains unused and is not reissued prior to the expiration date, please contact iTI® at 866.243.7524 once the credit has expired for further claim consideration. Documentation will be required from the United Airlines stating credit has expired and was not used.”
This decision is not only at odds with public policy on corporate responsibility in an unprecedented business environment, but is incorrect for the following legal reasons:
1. I purchased non-refundable airline tickets for a trip that we preemptively canceled due to the Covid-19 Pandemic using the Cancel for Any Reason provision within our policy. Had we not taken these preemptive measures to protect our family and fellow world citizens out of an abundance of caution, we would have been entitled to a full refund of the airfare when the flight was officially canceled.
2. I was unable to find an explicit stipulation that a non-refundable airline travel credit must expire before a claim can be filed identified in the terms and conditions of my policy. Moreover, while the “loss” they referred to as basis for denial is not a defined term in my insurance policy, it is generally accepted that a loss refers to the monetary injury that results from the occurrence of the contingency for which the insurance was taken out. There is no situation that will occur to make non-refundable travel credits refundable. These credits cannot legitimately be construed as monetary currency, and as such we incurred the loss on the date we canceled the flights.
3. We specifically indicated on the Authorization form of our claim that we will not be using our airline tickets and included a copy of the electronic ticket confirmation which included the ticket numbers as appropriate. It is our expectation that the company would follow standard business practice and request the airline void any non-refundable credits pursuant to the claim and pay out on the legitimate claim submitted. We are absolute in our statement that we will not ever use these credits, as we do not plan to travel by plane at any time in the foreseeable future.
The Company denied my appeal without addressing the points noted above, instead citing general policy language regarding irrelevant terms, which explicitly construed were satisfied - very bizarre.
This decision is not only at odds with public policy on corporate responsibility in an unprecedented business environment, but is incorrect for the following legal reasons:
1. I purchased non-refundable airline tickets for a trip that we preemptively canceled due to the Covid-19 Pandemic using the Cancel for Any Reason provision within our policy. Had we not taken these preemptive measures to protect our family and fellow world citizens out of an abundance of caution, we would have been entitled to a full refund of the airfare when the flight was officially canceled.
2. I was unable to find an explicit stipulation that a non-refundable airline travel credit must expire before a claim can be filed identified in the terms and conditions of my policy. Moreover, while the “loss” they referred to as basis for denial is not a defined term in my insurance policy, it is generally accepted that a loss refers to the monetary injury that results from the occurrence of the contingency for which the insurance was taken out. There is no situation that will occur to make non-refundable travel credits refundable. These credits cannot legitimately be construed as monetary currency, and as such we incurred the loss on the date we canceled the flights.
3. We specifically indicated on the Authorization form of our claim that we will not be using our airline tickets and included a copy of the electronic ticket confirmation which included the ticket numbers as appropriate. It is our expectation that the company would follow standard business practice and request the airline void any non-refundable credits pursuant to the claim and pay out on the legitimate claim submitted. We are absolute in our statement that we will not ever use these credits, as we do not plan to travel by plane at any time in the foreseeable future.
The Company denied my appeal without addressing the points noted above, instead citing general policy language regarding irrelevant terms, which explicitly construed were satisfied - very bizarre.
Bonnie L. would not
recommend this plan to a friend or relative.
5 of
8 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Our trip was cancelled due to the whole Covid-19 pandemic. We therefore did not need to use the insurance and requested a refund. While it is true that our policy stated that no refunds unless canceled within 15 days of purchase, and we requested the refund after 15 days, these are extraordinary circumstances, completely beyond our control and through no fault of our own. Other companies, such as ALLIANZ Insurance are offering refunds to its customers despite contract terms to the contrary.
There is nothing we, as consumers, can do except choose to do business in the future with other companies. We of course will not use insuremytrip.com or United States Fire Insurance Company for any future travel or other insurance needs.
There is nothing we, as consumers, can do except choose to do business in the future with other companies. We of course will not use insuremytrip.com or United States Fire Insurance Company for any future travel or other insurance needs.
Myrabelle S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured SE
I had an emergency appendectomy the day my husband and I were to leave on an extended and expensive trip. It was obvious that the insurance should cover the trip. They received my claim on February 18 - and required a HUGE amount of paperwork, including our marriage license to show proof of relationship, and the payment was made May 12. There WERE extenuating circumstances (the business was hit with a malware attack and then of course the coronavirus). However, they kept on asking for additional information which they already had, but in a different format, and THEN finally, after numerous phone calls, they passed it on to another underwriter because of the size of the claim. That took an additional 3 weeks. Insure My Trip was of NO HELP. They sell the insurance and then you are on your own. I will not use either company again.
George G. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Since I didn't have the need, thank goodness, to use this insurance I wouldn't be a person to rate how well or not well they were in handling any claims.
Ronald R. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured SE
I called to perhaps make a claim but I was on hold for 23 minutes before I hung up. I'll try calling again.
Kristen G. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured SE
I would recommend only because coverage is important, but it is not clear from the mounds of
paperwork when and how to use the plan in an emergency. That's when you need help the most
and need some clarity. It would help to have a brief listing of steps in a clear, easy-to-find place.
paperwork when and how to use the plan in an emergency. That's when you need help the most
and need some clarity. It would help to have a brief listing of steps in a clear, easy-to-find place.
Shirley H. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured SE
I didn't need the plan, but I was buying peace of mind. Fortunately I did not have a claim.
Linda F. would
recommend this plan to a friend or relative.
"George, it’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation. "
We also want to make you and your fellow travelers aware all travelers that purchase a policy through InsureMyTrip have access to our Anytime Advocates® program. This unique program is designed to save our travelers time and money by contacting the travel insurance provider directly to smooth out any kinks in the claims process. The InsureMyTrip Anytime Advocates® will help any customer with:
Claims assistance
Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
Dispute resolution
Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.