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 LX
On the plus side, they did pay my entire claim, and everyone I talked to was polite. On the negative side, they spent a lot of my time making me jump through hoops to get there, as if you are inherently trying to cheat them. In this case, a $300 hotel room I didn't get to in Alaska after cancelling the cruise to Alaska (for medical reasons). The hotel bill was the subject of several phone calls and emails and documentation requests. Funny, they were fine with paying for the cruise, the expensive part. If they had been gracious about the fraction of the total cost (the hotel), I could have given them a stellar review. I've bought a dozen policies in the past; this is my first claim; if not for the hassle, I'd probably buy from them again and they probably would've made back their $300 on my next buy! (Not to mention the labor costs they are paying for ... people to nitpick over every dime.) In fairness, I must say that this is my first claim; maybe all the companies are like this. One word of advice: one must prove one purchased something: if you are traveling with other people, don't split any prepaid costs, because it is then hard to prove who paid for what when you try to claim it. Pay your own way (with receipts) for all of it. And get cancellation receipts too.
James E. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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IMG RR Team AccountInternational Medical Group
We apologize for the frustration you experienced when filing a claim. On this claim, we received all of the cancellation documentation for the cruise on the initial submission (Invoice, proof of payment, proof of cancellation). However, for the hotel stay we only had the booking invoice, but no proof of payment or cancellation. Sometimes suppliers do make exceptions on cancellations for certain circumstances or issue a credit, so we did need to get the verification of the cancelled segment to complete the claim. I can understand his frustration given the cost of the cruise vs. the cost of the hotel, but proof of loss is required for all segments of a claim.Feb 21,2019
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
I found the process of investigating, selecting and understanding travel insurance very difficult. I am not certain I was adequately covered, and had I needed to file a claim, I felt like I might need an attorney to get the paper work correct.
Needs to be more user friendly and in plain english.
Needs to be more user friendly and in plain english.
Henry C. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Carol
Thank you for your comments. As you indicated, there is no doubt that it can be a difficult and confusing process when trying to select the best policy for your trip.
The International Medical Group iTravelInsured SE plan, as do all of our policies, include the full insurance certificate which explains all of the terms, conditions, and exclusions for that specific policy. In addition, any of the items that appear in blue print within your quote provides a hyperlink to more detailed information. Your International Medical plan also offers you a 10 day refund period:
"TEN-DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) ten (10) days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy."
We also understand that this information may be confusing, so we also invite you to take advantage of our online chat representative who is available to stay with you through the entire quote and purchase policy and answer your questions. Our licensed insurance experts are always happy to explain any part of the insurance policy. We are available to assist you by phone at 800-487-4722, or by chat, Monday - Friday, 7am-12am EST and Saturday - Sunday, 9am-9pm EST.Feb 06,2019
The trip included a
cruise
International Medical Group
iTravelInsured SE
The plan covered our needs at a fair price. Because of my job I need cancellation for any reason coverage, and for us the most likely need beyond that is medical evacuation and medical coverage. This plan included cancellation for any reason coverage and an acceptable amount of medical evacuation coverage and health coverage. Many plans I looked at had these coverages at unacceptable levels or for a much higher price. This plan suited our needs pretty well.
James P. would
recommend this plan to a friend or relative.
-
Carol
Thank you very much for submitting this review. However, your International Medical Group iTravelInsured SE plan did not include the Cancel for Any Reason option, but it did automatically include Cancel for Work Reasons:
"q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This benefit only applies if the Policy has been purchased within twenty (20) days of Your initial payment for the Trip..."
Should you ever need assistance in the future, our team of licensed representatives are always happy to help. You can call us at 800-487-4722 with any questions regarding the policies, to obtain a quote, or even to purchase a policy over the phone.Feb 05,2019
The trip included a
cruise
International Medical Group
iTravelInsured SE
We didn't have to use the insurance, fortunately
Ruth M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
Patriot America Lite
I never needed any medical requirements during my trip so it would be hard to tell myself how I had experienced that plan
UTKARSH P. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured SE
As usual, insurance is to be purchased against a problem and hopefully, never used. This is the case here.
Myrna S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Fortunately I did not need to use plan. All went smoothly !
Maria W. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured SE
We did not need the coverage but you never know. Liked that I received an email reminding me of the policy if I needed it
Elaine L. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
I thought the price was great for the coverage. However, since I didn't have to use it, I can't comment on the quality of the plan.
Howard S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
i have a question going forward. If a cruise line went out of business would this policy respond. Especially if the fees were paid in advance. Thanks, GG
Kerry W. would
recommend this plan to a friend or relative.
-
Carol
Although the coverage may be provided by this plan, the iTravelInsured SE plan only provides Financial Default under Trip Cancellation if you purchased this plan within 20 days of your initial trip payment:
"Trip Cancellation -
Benefits will be paid up to the Maximum Benefit Amount purchased to cover an Insured for the non-refundable Published Penalties and prepaid expenses for Travel Arrangements when an Insured is prevented from taking his or her Covered Trip due to:
---
6. Bankruptcy or Default of an airline, cruise line, tour operator, or Travel Supplier (other than the tour operator or travel agency from whom the Insured purchased their Travel Arrangements) which stops service more than 14 days following the Insured’s Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow the Insured to transfer to another airline in order to get to the Insured’s intended destination. This benefit only applies if the policy has been purchased within 20 days of the Insured’s initial payment for the Covered Trip and for the full cost of the Covered Trip..."
Since you made your initial trip payment on 09/02/2017 but did not buy this policy until 03/14/2018, you had no coverage for Financial Default under this policy.Jan 23,2019