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 SE
A couple things to note about this policy:
[1] On this trip I will be renting a car. I wanted to know whether nicks and scrapes, ones that I might ignore on my own car but that the rental agency might focus on and demand payment, will be covered. It was very hard to get an answer--several calls and emails. Basically they were saying that I'll find out what's covered when I make a claim :-( I finally got to someone who said that damage to the car would only be covered if there were a police report, which of course you wouldn't have if the rental agent tried to get you for a nick when you were returning the car. If this is not a concern to you, then the car rental coverage seems to be a good deal compared to other comprehensive policies.
[2] Notice that only PREPAID expenses are covered. I looked into this policy for a trip where I am paying with points, but there will have a large monetary penalty if i have to cancel. Even if I have to cancel for a covered reason, the policy does not cover cancellation penalties--only nonrefundable prepaid expenses.
[1] On this trip I will be renting a car. I wanted to know whether nicks and scrapes, ones that I might ignore on my own car but that the rental agency might focus on and demand payment, will be covered. It was very hard to get an answer--several calls and emails. Basically they were saying that I'll find out what's covered when I make a claim :-( I finally got to someone who said that damage to the car would only be covered if there were a police report, which of course you wouldn't have if the rental agent tried to get you for a nick when you were returning the car. If this is not a concern to you, then the car rental coverage seems to be a good deal compared to other comprehensive policies.
[2] Notice that only PREPAID expenses are covered. I looked into this policy for a trip where I am paying with points, but there will have a large monetary penalty if i have to cancel. Even if I have to cancel for a covered reason, the policy does not cover cancellation penalties--only nonrefundable prepaid expenses.
HOWARD E. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
Of course, almost everyone who buys travel insurance doesn't use it, and they are only 'satisfied' because it gave them peace of mind. I bought the policy for medical coverage; fortunately nothing happened medically. But on the way home we were delayed by an ice storm for 36 hrs. I didn't realize that the delay was covered by the policy until i was shopping for another trip a couple months later and noticed that coverage. We were outside the designated period for giving them initial notice of a claim, but IMG did not enforce that on us, because we were still inside the period to document the claim. The claim process was OK, but became frustrating. I inadvertently gave an incorrect bank account number when filing the claim. I saw it immediately and wrote a secure message correcting it. I received notice that the claim was paid, but the money did not show up in my account. It took several weeks and multiple calls and emails to finally get them to send the money to the correct account.
There is an important piece of information I want to share with others who need to document a trip delay: IMG does not accept cancellation emails and boarding passes as evidence of the delay. They insist on a letter from the airline documenting the extent of the delay and the reason for it. Initially I was upset by that, because I assumed that such a letter would be impossible to get, and even if you could get one, you would have to wait hours on the phone. Then I learned something that IMG [and insuremytrip.com] should have told me: many airlines, including American, have a link on their website where you can get such a letter, which comes almost immediately by email.
There is an important piece of information I want to share with others who need to document a trip delay: IMG does not accept cancellation emails and boarding passes as evidence of the delay. They insist on a letter from the airline documenting the extent of the delay and the reason for it. Initially I was upset by that, because I assumed that such a letter would be impossible to get, and even if you could get one, you would have to wait hours on the phone. Then I learned something that IMG [and insuremytrip.com] should have told me: many airlines, including American, have a link on their website where you can get such a letter, which comes almost immediately by email.
HOWARD E. would
recommend this plan to a friend or relative.
9 of
10 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured SE
Although I did not file a claim for the April/May 2023 tour of four Adriatic costal countries, I had an IMG/iTravel policy for a 12-day tour of Colombia, South America. A mechanical aircraft issue canceled the Orlando originating flight, which cause me to miss the Miami connection to Bogotá. What should have been 7.5 hours total travel time turned into a 21-hour trip to hades. IMG/iTravel denied the $109 claim for not cancelling the pre-paid hotel reservation. IMG/iTravel required documentation in PDF format and would not allow the airline emails proving that a missed airline connection caused in excess of a 12-hour delay. Had it not been for InsureMyTrip.com advocating for me, when I sent the supporting emails to InsureMyTrip, the claim would not have been paid. Even with IMT advocating for me, the paltry $109 check took three months to arrive. I booked a tour for Scotland in October. There is no way I would consider purchasing travel insurance with IMG/iTravel. Unless you are a glutton for punishment, AVOID purchasing any policy affiliated with IMG/iTravel. Bon voyage.
Larry Dean M. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
International Medical Group
iTravelInsured SE
This plan is a waste of money. These people are crooks. They denied my claim just because I purchased the plan months after the initial deposit and not within 20 days. They will have small print for whatever situation you might encounter and then not pay. Stay away from this company. It’s junk.
Rafael S. would not
recommend this plan to a friend or relative.
3 of
5 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured SE
I was satisfied with the customer service and the plan. I would recommend !
Laura S. 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
We had to cancel our trip because our daughter developed a serious illness. The claims process was a nightmare from filing to payment- four months later. It was as if this company has a list of "tricks" that it utilizes to put roadblocks in front of anyone who files a claim. Dropped service rep calls, inconsistent claims information by different reps, claims applications that were "too large" to email, a document uploading software that repeatedly failed. The company required reams of medical and payment documentation and then claimed that the the document file I submitted was "too large for their system. I could go on but I'm sure you get the picture. IMG 's business model is to repeatedly frustrate claimants until many of them give up. I might have too if I hadn't contacted Insure My Trip's customer advocate team. Matthew contacted IMG on my behalf and helped me eventually receive payment. I was one of the lucky ones. Spare yourself hours of misery and do not buy a policy from this company.
Joel G. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Angie
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; please help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation.May 22,2023
The trip included a
tour
International Medical Group
iTravelInsured SE
Did not have to use the plan but always happy to have insure my trip to help me find a plan that meets my needs
Robert K. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
Three of us tested positive for covid during our trip and had to quarantine and delay our return for three days. Our doctors prescribed Paxlovid and we returned home as soon as we tested negative. IMG has used every trick in the book to delay and deny coverage. They are not acting in good faith and repeatedly demand data that has been submitted multiple times. They now will not accept the doctor's message approving Paxlovid and the Paxlovid prescriptions as proof of covid. IMG is demanding the covid test strips. Who has ever saved a used test strip. I have filed a complaint with the California Insurance Commision and it looks like I will have to file a lawsuit to get IMG to live up to their obligations. AVOID IMC AT ALL COST. It is the worst company I have ever dealt with and is causing terrible stress and anxiety.
Herbert H. would
recommend this plan to a friend or relative.
-
Kaylie
Thank you for your feedback. IMG has provided the following response:
"Thank you for sharing your feedback about International Medical Group® (IMG®). We are sorry we did not meet your expectations. We value your opinion and want to learn more about your experience with IMG so we can improve to better serve you in the future. Please email us at [email protected] to start the conversation."May 03,2023
The trip included a
cruise
International Medical Group
iTravelInsured SE
This was the first time we have had to file a claim. My husband got sick on a cruise and ended up with a $8,500 medical bill. We did have to pay it out of pocket, but we were reimbursed for the entire amount. Very easy process and we had the money in our account in approximately 30 days. I would definitely use this company again.
John R. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured SE
It is hard to say if the Co. was good or bad. Did not make a claim. From what I understand most of these companies make you jump thru many hoops to collect.
Robert L. would
recommend this plan to a friend or relative.