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
I bought this plan for a trip to Italy and Greece. In Athens, we had a power failure in the late afternoon with no power all night. The hotel had no available rooms and they weren't sure if they could get power restored.
By the next day, power had not been restored and so I called IMG. I told them what happened and asked if it would be covered by my policy. I was told that, yes, it was covered under trip interruption.
I booked another hotel at a higher price and filed a claim. I uploaded all supporting documentations. My claim was denied.
While it is possible that this was not a covered event, I wish they hadn't told them it was covered, which was probably a factor in what I paid for the new hotel.
Read the terms and conditions carefully, and I don't suppose that you should believe what they tell you, verbally.
By the next day, power had not been restored and so I called IMG. I told them what happened and asked if it would be covered by my policy. I was told that, yes, it was covered under trip interruption.
I booked another hotel at a higher price and filed a claim. I uploaded all supporting documentations. My claim was denied.
While it is possible that this was not a covered event, I wish they hadn't told them it was covered, which was probably a factor in what I paid for the new hotel.
Read the terms and conditions carefully, and I don't suppose that you should believe what they tell you, verbally.
Bradford W. would not
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
Fortunately our trip went as planned, so we did not need out insurance, this time. Hopefully we will be pleased with the plan even if we do have a claim.
Richard M. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured SE
Since I didn't have to file a claim, I cannot comment on the process of filing a claim; the customer service; the ease of filling; or the level of satisfaction. I'm am glad I purchased this plan, however.
Linda W. 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 SE
1. Some site navigation challenges/difficulties. Had to call to resolve.
2. Plans are still expensive/pricey!
2. Plans are still expensive/pricey!
Jeffrey J. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
Fortunately I didn’t have to use the plan but I liked it on paper which is why I bought it and would do so again.
Peter D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured LX
Fortunately didn't need the coverage, but it covered all the areas I was concerned about.
Patrick K. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
iTravelInsured SE is a terrible insurance company. The clients rating them highly have not had cause to file a claim like my and my family had to do. We had a very difficult time.
When we uploaded our documents proving payment for medical services rendered during our vacation the phone agents would claim we never did so. They then forced us to upload more than once again the same very documents.
Next when we called to get a status about our claims the phone agents stalled again by claiming they did not see the documents. Finally if we did get a phone agent who could see the documents they would deny we were entitled to any reimbursement. Thus, it took months before we could get reimbursed. We had one remaining claim that we filed two months after our vacation because the foreign hospital did not send the bill until that time. Upon receiving the bill we immediately paid it by credit card and submitted a claim. However, when it took over a month we called to get a status and was told by the phone agent that the supervisor said the claim was paid already. That was not only untrue but made no sense whatsoever. It took filing a complaint with the local BBB office (Indiana) before iTravelInsured decided to reimburse us. The reason they gave the BBB was that there was an 'inadvertent delay'. The real reason for this delay was their own by trying to deny us reimbursement and it was not done inadvertently; it was done with intent.
Therefore, I will never fall victim to buying travel insurance from iTravelInsured again nor do I recommend anyone else to do so. We had purchased travel insurance from a reputable company (we filed claims with this company successfully and timely) but took a chance this time with negative results all around because their rate was a bit cheaper. Never again!!
When we uploaded our documents proving payment for medical services rendered during our vacation the phone agents would claim we never did so. They then forced us to upload more than once again the same very documents.
Next when we called to get a status about our claims the phone agents stalled again by claiming they did not see the documents. Finally if we did get a phone agent who could see the documents they would deny we were entitled to any reimbursement. Thus, it took months before we could get reimbursed. We had one remaining claim that we filed two months after our vacation because the foreign hospital did not send the bill until that time. Upon receiving the bill we immediately paid it by credit card and submitted a claim. However, when it took over a month we called to get a status and was told by the phone agent that the supervisor said the claim was paid already. That was not only untrue but made no sense whatsoever. It took filing a complaint with the local BBB office (Indiana) before iTravelInsured decided to reimburse us. The reason they gave the BBB was that there was an 'inadvertent delay'. The real reason for this delay was their own by trying to deny us reimbursement and it was not done inadvertently; it was done with intent.
Therefore, I will never fall victim to buying travel insurance from iTravelInsured again nor do I recommend anyone else to do so. We had purchased travel insurance from a reputable company (we filed claims with this company successfully and timely) but took a chance this time with negative results all around because their rate was a bit cheaper. Never again!!
CHERYL L. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Angie
We are sorry we did not meet your expectations. We value your feedback and take concerns such as yours very seriously. Although IMG will not discuss the details of claims in a public forum, we welcome the opportunity to further discuss your claim privately. Please contact us directly at www.imglobal.com/contact so we can continue this conversation.Sep 18,2023
International Medical Group
iTravelInsured LX
Had to cancel our trip due to medical reasons. We received a partial settlement in two weeks for the land portion of the trip. Not bad! We were issued airline credits directly from the airline. However, we had purchased seat upgrades which were not reimbursed by Delta. Trying to get the last $189.98 from this insurance company was like pulling teeth, at best. Picture the most frustrating, mind-boggling experience you could have with a company. Don't expect to ever speak to a claims rep. CLAIM REPS DON'T TAKE PHONE CALLS! The CSRs who answer the phone are pleasant enough, but will put you on hold forever and then tell you they can't transfer you to anyone who is actually handling your claim. Are you kidding? Not only don't they take phone calls, apparently they never read their email or look at a claim file. They do, however, send the most ridiculous emails saying they need more information from you, or a provider, to process your claim but they don't say what they require. Who do you require it from? What? If you send them an email, you will get an automated reply.
Do yourself a favor and shave your head before you try to submit a claim to these people. It will be much less traumatic than pulling your hair out every time you have to deal with them.
Oh and by the way, I worked in Claims for many years, so I know what decent service is. This company does not have it.
Good luck if you have to actually argue an issue like a pre-existing condition or have a large dollar claim. I can't even imagine the runaround you will get.
I stopped counting after 12 phone calls and 14 emails. In the end, it took me just over 5 months to get the last lousy $189.
Also, side note....Saying a company has a 4.5 star rating is very misleading when most of the reviews say, "I'm so glad I didn't need to make a claim." How about having a separate rating for people who actually did make a claim???!!! Sorry, if that exists somewhere, but I didn't find it.
Do yourself a favor and shave your head before you try to submit a claim to these people. It will be much less traumatic than pulling your hair out every time you have to deal with them.
Oh and by the way, I worked in Claims for many years, so I know what decent service is. This company does not have it.
Good luck if you have to actually argue an issue like a pre-existing condition or have a large dollar claim. I can't even imagine the runaround you will get.
I stopped counting after 12 phone calls and 14 emails. In the end, it took me just over 5 months to get the last lousy $189.
Also, side note....Saying a company has a 4.5 star rating is very misleading when most of the reviews say, "I'm so glad I didn't need to make a claim." How about having a separate rating for people who actually did make a claim???!!! Sorry, if that exists somewhere, but I didn't find it.
Amy E. would not
recommend this plan to a friend or relative.
7 of
7 people found this review helpful
International Medical Group
iTravelInsured SE
Luckily we did not need to use the plan but it gave my wife and I peace of mind knowing it was there if unfortunately something happened to us while overseas.
John K. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
We notified IMG immediately and then filed our claim promptly, a month after our trip was cancelled because of my mom's death. Three weeks after filing all documents requested, through their secure portal, I called and was told they had never received any documents. A week after I sent them a copy of the receipt confirm they had sent me when I filed, they "found" the documents. Another three week pause before they requested additional info that they had not initially asked for. Another three weeks (always with me needing to initiate the follow up) and they said the claim from a hotel was not valid because they did not charge me until we had cancelled (which their website, which I had sent a link to, clearly stated was how they would handle charges and cancellations). Another three weeks and they said that even though I had provided proof that our train ticket was non-cancellable / non-refundable, I needed to prove that I had cancelled it and did not get a credit. It was not until I wrote a letter stating that I no longer felt that I was being dealt with in good faith, that three plus months after I submitted our claims, and lots of hassle, they paid the claim. This has caused me to seriously question whether trip insurance is really worth what it costs when you factor in all the work and hassle to file a claim. P.S. If a company is always experiencing "heavier than usual call volumes" is it really heavier than usual?
Martin R. would not
recommend this plan to a friend or relative.
11 of
11 people found this review helpful