IMG Global Medical Insurance - Review
A third party review of IMG Global travel insurance company’s Global Medical Insurance plan
Overview of IMG Global Travel Insurance
IMG Global is one of the largest providers of international travel insurance plans. It specializes in providing temporary health insurance for travelers, expats, and other travelers that extends cover to wherever you travel.
This IMG Global travel insurance review will cover basic details relating to their Global Medical Insurance plan. Note that this Travel Medical Insurance plan is not available to those aged 75 and older. For these older travelers, the IMG Global Senior Plan is recommended as an alternative.
IMG Global Travel Insurance: Global Medical Insurance
The Global Medical Insurance plan offered by IMG Global Travel Insurance was created as a comprehensive medical program for individuals and families traveling or living abroad for one year or longer. This long-term plan comes with renewable options to ensure there’s no gap in cover.
IMG Global also mentions they will offer incentives to policyholders, such as waiving 50% of the deductible or a cash incentive, for electing to receive treatment at specific facilities.
What Makes This Travel Medical Cover Great
This is by far one of the most flexible IMG Global travel insurance plans. Deductibles range from $100 to $25,000, with benefits maxing out between $1,000,000 and $8,000,000, with tiers in between these figures for maximum flexibility.
US citizens and non-US citizens can apply for this plan. For US citizens, you must be outside the country when your plan takes effect.
One of the best parts of this particular IMG Global trip insurance plan is that it gives you a free 15-day window to review the policy and cover terms without penalty. If you decide it’s not for you, you can get a full refund if you cancel within the first 15 days.
IMG's website offers a portal where you can find a doctor in its network. This gives you a chance to make sure you can find medical treatment near your destination before you decide to commit to this plan.
Other important services, such as dental, vision, and life insurance, are available as optional riders to keep the initial plan cost low.
This plan is a comprehensive option that allows for some customization and plenty of options to help meet your budget and health care needs
Why Global Medical Insurance?
- Five plan options - Bronze, Silver, Gold, Gold Plus and Platinum - and additional, optional cover.
- Choice of cover area - Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan - to reflect your desired geographic area.
- Flexible underwriting that fits your needs.
- Emergency benefits backed by the services of an accredited, on-site clinical staff.
- Premium modes - Monthly, Quarterly, Semi-Annual, and Annual - to schedule the frequency of payment that meets your needs.
- Multiple deductible options to accommodate your financial resources.
- Freedom to choose your own health care provider, no matter where you are in the world.
Global Medical Insurance is available to individuals and families of all nationalities. U.S. citizens must plan to be residing outside the U.S. on or before their effective date and renewal dates, and for at least six out of the next 12 months. Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S. Persons from the ages of 14 days to 74 years may apply for cover, and cover ends at age 75.
**Persons 75 years of age and older are not eligible for cover. **
Lifetime medical cover is available if you are enrolled in the Global Medical Insurance program by your 65th birthday and maintain continuous cover to age 75. Prior to your 75th birthday you will receive a summary of benefits for the Global Senior Plan®, and an enrollment form for cover. There is no additional medical underwriting. You simply need to review the benefits, and promptly complete and return the enrollment form with your premium.
To apply for Global Medical Insurance, simply complete and return the application. If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are aged 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for cover.
If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG.
To ensure your satisfaction, once you are accepted in the plan, IMG provides a 15-day free look period to review the cover. If during that 15-day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and a full refund of your premium paid to IMG. See the Certificate Wording for full details.
Applying for IMG Global Travel Insurance
IMG Global trip insurance is easy to apply for. You can contact IMG Global in several ways, including through its email contact form, live chat, or direct phone number.
In addition, you can request an Instant Quote to see rates and other information.
Overall Rating for Global Medical Insurance
This IMG Global travel insurance review doesn’t contain all the specifics, but on the surface this looks like a viable option for long-term travelers. They’ve made it easy to find almost all the information you need to put them on your short list when exploring options. Note the age restriction of 75, of course. The Global Senior Plan is suitable for senior travelers aged 75 and above.