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
We had a claim and it was promptly reviewed and a payment for the amount submitted was approved. Very pleased with the process!
Stevan U. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
tour
International Medical Group
Patriot International Lite
I always use International Medical Group Patriot International plan for my overseas travels. Reasonable price and fast online process.
FLORDELIZA A. would
recommend this plan to a friend or relative.
1 of
1 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 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
International Medical Group
iTravelInsured SE
The plan coverage to cost ratio was great. I did make one small claim for about $175. Unfortunately it took FIVE months for them to process and deposit my claim into my bank account. FIVE months. I have 27 correspondences with them via and 9 phone call records on my phone. I can't even tell you how many questions (emails) went unanswered. I finally had to employ the assistance of a claims specialist from InsureMyTrip.com to look into this. Coincidentally just days later I received my reimbursement. Just a little communication from IMG would've eased the process and kept me from wondering what was going on. I received so much mis-information from them it's not even funny. I felt like I was a supervisor there who needed to constantly remind the staff to follow-up and reiterate repeated information over and over. I booked another plan for the current trip that I am on and it was NOT with IMG.
James M. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.Jan 09,2020-
JamesM
Yes, thank you. As I mentioned in my review I did indeed reach out to a Customer Advocate, very awesome to have! Thanks!Jan 09,2020
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The trip included a
tour
International Medical Group
iTravelInsured SE
Coverage and price seemed reasonable, but I can't comment beyond this because I did not have to file a claim.
Katie S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured LX
Thankfully did not need to use. The price was good and glad I had .
Sharilyn B. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured LX
Filed a claim due to a work related reason and the claim was paid in full satisfactorily.
Philip G. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Several emails sent for medical claim from Peru and Ecuador did not go through. Email address was checked and was correct. I tried filing the claim by email when returned to USA and still would not go through. Finally I called and had the insurer email me and I replied with claim attachments and then it went through. Email address in question is [email protected] this needs to be fixed. It took 3 weeks after claim submission on 2/22/19 to get the check.
Hamir M. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Carol
Thank you for bringing the issue with the claims email address to our attention. International Medical Group will look into the problem with the email address and do whatever they can to correct it.
In the meantime, our licensed representatives are happy to help you with any part of the insurance process. Should you have any questions in the future, please feel free to call us at 800-487-4722.Mar 22,2019
The trip included a
tour
International Medical Group
iTravelInsured SE
They processed the claim promptly and paid it fully. I couldn't be more satisfied.
Andrew B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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IMG RR Team Account
International Medical Group
Thank you for sharing your feedback about International Medical Group® (IMG®)! We love hearing from happy customers and look forward to continuing to serve you. It is our privilege to provide you Global Peace of Mind®.Mar 12,2019
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.