IMG Global Mission Medical Insurance Plan - Review
A third-party review of IMG Global travel insurance company and the Global Mission Medical Insurance plan. IMG Global Mission Medical Insurance is a long-term, worldwide medical insurance program for missionaries and their families.
A Quick Look at IMG Global Travel Insurance
IMG Global is one of the largest providers of trip insurance and travel medical cover. Its network consists of 17,000 medical providers around the world. It offers a comprehensive approach to travel protection for both medical needs and trip cancellation and interruption services. Its services extend to US and non-US citizens who are traveling internationally.
This IMG Global travel insurance review will cover basic information regarding the Global Mission Medical Insurance plan.
Global Mission Medical Insurance
The Global Mission Medical Insurance plan was designed specifically for missionaries. It’s a long-term solution, offering one-year increments and a renewable option.
Deductibles range from $0 to $25,000. Maximum benefits also vary, ranging from $1,000,000 to $8,000,000.
One of the best features of this plan is the free 15-day look period. You have 15 days from your acceptance into the plan to review the cover. If you choose to cancel within this window for any reason, you get a full refund of your premium.
Regardless of which level of cover you purchase, this plan provides a comprehensive health care solution in almost every aspect.
What Is Not Included
The Global Mission Medical Insurance plan is strictly medical. It does not carry any additional travel protection, such as acts of terrorism (available as a rider), or trip insurance. IMG Global does offer trip protection as an additional service.
In addition, only the top tier plan covers maternity services, vision, political evacuation, and remote transport. Podiatry and preventative care for adults and children begin at the Gold level.
Vision, dental, and adventure sports can be added on as additional riders. You also have the option to include life insurance, but it’s not part of the original plan.
Why Global Mission Medical Insurance?
Global Mission Medical Insurance allows you to choose from several plan options, customize your length and area of cover and select from multiple deductibles and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical cover to you that may be declined by other companies.
- 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
Final Rating for Global Mission Medical Insurance
This is a highly comprehensive health insurance plan that’s been tailored for missionaries’ needs.
The summary of benefits for the Global Mission Medical Care is massive. It can be a little overwhelming when comparing plans.
Also, since preventative care isn’t available for the bronze or silver plans, you need to carefully consider your health needs before purchasing a policy.
There’s a lot of information here, which can make it tricky to decide. You can always reach out to their reps to get more information or get help selecting a plan.
Get a Quote for IMG Global Travel Insurance
If you’re interested in the Global Mission Medical Care plan, you can get an instant quote online here. You can add your spouse and dependents aged 18 and under to the same form. If you’re covering dependents aged 19 over, you will need to fill out a separate form for each one.
Also, you can reach out to a sales rep by phone, live chat, or email. You can discuss additional terms and cost of the plan and have your questions answered before you commit to a policy.