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.
International Medical Group
iTravelInsured LX
Had to cancel my trip for a surgical procedure. Contacting them was pretty painless and all of the follows were prompt. Instructions were pretty straight forward. Did have to submit additional than what I originally submitted but it made sense and was pretty easy to get. Took a bit longer to process because of Covid but overall excellent experience and I will absolutely purchase another policy from them.
Diane M. would
recommend this plan to a friend or relative.
10 of
12 people found this review helpful
International Medical Group
iTravelInsured SE
My dissatisfaction with the claim and policy is complexity of the contract, written with an abundance of language that allowed my claim to be denied, all within reason, given the contract (20 pages). First reason given, no notice within 20 days of loss. I filed on grounds of employer canceling my vacation given the need for me to remain on duty (I'm a surgeon). The company stated that my loss occurred when the vacation was canceled. I filed 15 days after the date of return, assuming the loss occurred when trip would have been concluded; when all the arrangements were beyond salvage and when I had a chance to request all the refunds from airlines, etc. Second reason, some of the travel providers issued vouchers rather than refunds. There exists no way to use those as the trip was overseas, but the company considers vouchers to be refunds. Some of the vouchers expire before we will be allowed into those countries. The policy states "unused non-refundable Prepaid Payments or Deposits" will be reimbursed. I maintain that an unusable voucher is not a refund, since the definition of re-fund is to return my funds to me, not a promise for future travel. Lastly, I made what is a fatal error in changing my departure date by a single day without changing the policy. That apparently invalidates it. I may no longer bother with comprehensive insurance, and stick to medical only, as it appears to be an unnecessary expense given the myriad ways a claim can be denied. Although I shudder to think of the all the ways a company could escape paying a large medical claim.
Kenneth W. would not
recommend this plan to a friend or relative.
7 of
8 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
International Medical Group
iTravelInsured SE
Claim including paperwork was filed four months ago in February. Missed connection due to weather. Claim was for hotel and meals. Simple. Still has not been paid... Terrible service.
Thomas R. would not
recommend this plan to a friend or relative.
9 of
9 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured LX
extremely difficult to get info from for claim and very slow
Joseph A. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Megan
Thank you for your feedback.
We would like you and our other customers to know 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.Sep 11,2020
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
International Medical Group
iTravelInsured SE
On paper, International Medical Group and iTravelInsured offer a good product at a reasonable cost. However, their claims process is one defined my delay, dishonesty, and obfuscation. Policy language is misapplied. Policy definition is misconstrued. Policy requirement is ignored.
My claim was partially denied based on their team's misunderstanding of the product and their misreading of Policy definition. My attempts to initiate the informal and formal grievance processes defined in the Policy were repeatedly blocked. Eventually, the claim was fully covered as a "goodwill gesture".
I recommend spending a little more for a better brand. It will be less headache and heartburn in the end.
My claim was partially denied based on their team's misunderstanding of the product and their misreading of Policy definition. My attempts to initiate the informal and formal grievance processes defined in the Policy were repeatedly blocked. Eventually, the claim was fully covered as a "goodwill gesture".
I recommend spending a little more for a better brand. It will be less headache and heartburn in the end.
Tyler N. would not
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
International Medical Group
iTravelInsured SE
Pandemic resulted in resort closing and a trip interruption. We filed a claim. They initially denied it as IMG's legal staff advised them that "a global pandemic is not a natural disaster..." - which is not true and also not relevant to the claim (its simple trip interruption). Appealed the claim and in what seems to be a permanent hold. Absolutely horrible support from carrier - in any other climate, this would have been approved immediately...
Also, very disappointed in Insuremytrip.com - they should be screening their companies better and stepping in on their client's behalf
Also, very disappointed in Insuremytrip.com - they should be screening their companies better and stepping in on their client's behalf
David M. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
-
Megan
Thank you for your feedback.
Please see the response from IMG iTravelInsured:
"David, 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. "Sep 22,2020-
DavidM
Yes, an update is in order...almost 5 months to the day of filing the claim. IMG sent me a check...InsureMyTrip reached out to IMG to ensure they stepped up their customer service and the claim was properly paid. Would I use InsureMyTrip again? Yes...they really helped.
My feelings about IMG remain about the same, they paid because they had to and their options were limited...4 1/2 months lateSep 22,2020
-
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
-
Megan
Thank you for your review. The insurance provider has issued the following response:
"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.Jul 21,2020
International Medical Group
iTravelInsured SE
Summary: Avoid. IMG refuses to cover what their policy says is covered.
Detail: I purchased IMG travel insurance for our March trip to New Zealand. The New Zealand government imposed a 2-week mandatory quarantine for all travelers coming in due to COVID-19 four days before our trip, so instead of touring the country in a camper we’d have to book brick and mortar accommodation (additional costs) and stay there for 2 weeks. We canceled the trip as a direct result of the New Zealand government imposed quarantine. We lost money on our camper rental (the rental company refunded only 25% of the costs), and local airline travel within New Zealand. Point 3 of the IMG policy Trip Cancellation section we purchased states the policy covers “Insured or Traveling Companion being hijacked, quarantined”.
I called IMG’s customer service. They told me there was no point in submitting a claim as it will be rejected, because my quarantine was caused by the COVID-19 pandemic. Their policy mentions no quarantine exclusion due to a pandemic or any other reason. If IMG want to exclude quarantine due to specific reasons – e.g. a pandemic – their policy description should state so. It doesn’t, yet IMG acts as if it did.
I’d give zero stars if I could.
Detail: I purchased IMG travel insurance for our March trip to New Zealand. The New Zealand government imposed a 2-week mandatory quarantine for all travelers coming in due to COVID-19 four days before our trip, so instead of touring the country in a camper we’d have to book brick and mortar accommodation (additional costs) and stay there for 2 weeks. We canceled the trip as a direct result of the New Zealand government imposed quarantine. We lost money on our camper rental (the rental company refunded only 25% of the costs), and local airline travel within New Zealand. Point 3 of the IMG policy Trip Cancellation section we purchased states the policy covers “Insured or Traveling Companion being hijacked, quarantined”.
I called IMG’s customer service. They told me there was no point in submitting a claim as it will be rejected, because my quarantine was caused by the COVID-19 pandemic. Their policy mentions no quarantine exclusion due to a pandemic or any other reason. If IMG want to exclude quarantine due to specific reasons – e.g. a pandemic – their policy description should state so. It doesn’t, yet IMG acts as if it did.
I’d give zero stars if I could.
Rene S. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Megan
Thank you for your feedback.
Please see the response from iTravelInsured:
"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. "Oct 13,2020
Please see the response from IMG iTravelInsured:
"Thomas, 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. "