IMG GlobeHopper: The Best Travel Insurance Plans
IMG GlobeHopper is a top choice for travel insurance, offering exceptional, customizable medical benefits for both short trips and extended stays of up to two years. Ideal for travelers and expats, it provides flexible coverage that fits your specific needs.
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Are you looking for international or travel insurance? You’ll learn why IMG stands out with excellent benefits and find other competitive options with medical coverage in this article.
Why IMG GlobeHopper Is One of the Best Travel Insurance Companies
IMG GlobeHopper is one of the best travel insurance companies for expats and travelers because its policies can cover you for as little as 5 days to up to two years. They also have very flexible plan options so policyholders can customize their coverage.
In 2023, IMG was identified as one of the best travel insurance companies by Forbes.
Travel Insurance Plans by IMG GlobeHopper
When you select a plan through IMG GlobeHopper, you will get to determine your maximum benefit amounts and the deductible you are willing to pay. Their plans also include optional riders for higher-risk recreation usually excluded by other policies.
In some countries, the deductible is known as excess. You may see this term used in brochures and on website information for travel insurance like IMG GlobeHopper.
Medical Benefits
The maximum amount for medical benefits for coverage in each category depends on your selections while purchasing a policy through IMG GlobeHopper. Your excess, or deductible, for each of these medical expenses will also depend on what you decide for your policy.
IMG GlobeHopper Medical Benefits List
- Up to the maximum limit for the average semi-private room rate for a hospital room and board
- Up to the maximum limit for intensive care
- Up to the maximum limit for a local ambulance
- Up to the maximum limit for prescription drugs
- Dental injury due to an accident up to the maximum limit
- Sudden dental pain up to $100
- Emergency Room visits as a result of accident or injury up to the maximum limit
- Up to the maximum limit for Emergency room visits due to illness with in-patient admission
- Emergency room visits for illness without inpatient admission up to the maximum limit with an additional $250 deductible
- Medical expenses up to the maximum limit, including out-patient care
- Sports and activities coverage for basic sports for up to the maximum limit
- End of trip home country coverage (not available for U.S. Citizens within the U.S.A.)
- Incidental home country coverage up to a cumulative two weeks
Medical benefits through IMG GlobeHoppper limited to U.S. Citizens include:
- Hospital Indemnity up to $100 per night for up to 10 days
- Medical coverage for sudden and unexpected recurrence of a pre-existing condition
- Emergency medical evacuation due to sudden and unexpected recurrence of a pre-existing condition
Non-Medical Benefits
IMG GlobeHopper’s coverage also applies in situations of terrorism. You can file claims for trip interruption and receive up to $5,000. Benefits also include common carrier accidental death, accidental death and dismemberment, and lost luggage.
Optional Add-ons
IMG GlobeHopper offers additional riders to provide policyholders with even more coverage options. These riders include an Adventure Sports Rider, an Enhanced Accidental Death & Dismemberment Rider, Citizenship Return Rider, and an Evacuation Plus Rider.
- The Adventure Sports Rider is only available for insured travelers under age 65. Ages 0-49 can have a maximum benefit amount of $50,000. Ages 50-59 have a maximum benefit of $30,000, and ages 60-64 have a $15,000 maximum.
- The Enhanced AD&D Option is only available for the primary insured. Coverage limits depend on the customer’s selection with options for maximums up to $200,000 and as low as $50,000.
- A Citizenship Return Coverage Rider covers brief trips into your home country as long as your home country is within the coverage area. For U.S. citizens, this benefit is limited to 60 days for brief returns for each Period of Insurance.
- The Evacuation Plus Rider includes medical evacuation for non-life-threatening situations with a maximum benefit of $25,000. The Rider also covers $5,000 for natural disaster evacuation.
Areas of Coverage
IMG GlobeHopper offers three options for areas of coverage. You will need to select an option that covers your destinations. Unless you have a policy rider, coverage is excluded in your home country.
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- Europe (Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Croatia, Germany, Gibraltar, Greece, Greenland, Holland, Hungary, Iceland, Italy, Jersey, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation, San Marino, Serbia, the Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Tajikistan, Turkey, Turkmenistan, Ukraine, United Kingdom, Uzbekistan, the Vatican City, and Yugoslavia)
- Worldwide, excluding the United States and Canada
- Worldwide
How to Apply for IMG GlobeHopper Plans
Applying for a plan through IMG GlobeHopper is easy! The information and application can be completed online. After providing your basic information and the information for any dependents you would like to cover, you will receive a quote for review.
You can begin the process online here.
Once you have found the plan selections you need, you can purchase the policy online too. You can call 9-714-279-3800 with questions.
Alternative Insurance Companies for Travel Insurance
If you would like to compare other highly competitive travel insurance companies with medical benefits, you can find more details about the other top five insurance companies in this article.
April International offers flexible health insurance solutions for both short-term travelers and expats, featuring plans that can be tailored for up to one year. Coverage includes emergency medical evacuation, repatriation, and comprehensive health benefits.
Their policies are known for being versatile, fitting the needs of students, long-term travelers, and frequent fliers alike.
VUMI Travel VIP is a standout with both single-trip and annual multi-trip insurance plans. Known for extensive worldwide coverage, VUMI’s Travel VIP plan is ideal for frequent travelers who want the assurance of high-level medical benefits wherever they go.
This plan also offers added perks like medical evacuation, repatriation, and access to second medical opinions.
GeoBlue caters primarily to U.S. residents traveling abroad. With one of the largest direct billing networks, policyholders enjoy seamless access to international healthcare providers.
The plans also cover hospitalization, outpatient services, and emergency medical evacuation, making it a strong choice for Americans looking for reliable medical benefits abroad.
MSH offers global health insurance plans that cover both worldwide excluding the U.S. or worldwide including the U.S. With $0 deductibles and customizable plans, MSH is ideal for both expats and long-term travelers.
Their offerings include maternity coverage, wellness benefits, and emergency medical assistance, providing comprehensive protection for international travelers.
Do I Need Travel Insurance?
Without travel insurance, you will have to pay out of pocket for any emergencies on your trip. At a minimum, you should ensure you have medical benefits for your trips or excursions. Many non-medical benefits may be available through your travel credit card company.
However, you must find a supplemental policy for your medical needs. Travelers or expats with pre-existing conditions need to find a policy or rider that will cover those conditions.
Common Exclusions for Travel Insurance
Some of the most common exclusions for travel insurance policies are for intentional injury or harm. Extreme sports and activities are also excluded unless you have a policy rider like the one offered through IMG GlobeHopper.
Many travel insurance companies also have age limits on policy offerings or offer lower maximums for policyholders more advanced in age. Check the age limits on medical benefits to make sure you will be covered for your time abroad.
Travel insurance through a travel company or credit card will also exclude luxury or expensive rental cars, so you will need to make sure you have appropriate coverage through the rental company for those vehicles.
How Much International Health Insurance Costs
The price for international health insurance plans will depend on the length of time you’re looking for coverage, your area of coverage, the maximum benefits, the deductibles, and any additional riders.
In general, policies including the United States of America are more expensive than policies that exclude coverage for the U.S.A.
We don’t recommend getting a low maximum benefit for your international health insurance. You may save money on premiums, but you would be at greater financial risk in major emergencies. If you think you’re unlikely to use coverage, a better strategy to lower premiums is to increase the deductible.
Example:
As a result of an accident, your leg is crushed and you have a traumatic head injury while traveling. This results in very expensive surgery. Your policy has a maximum benefit of $50,000 but your medical expenses are much higher. You will have to pay any amount above the maximum.
Having high policy limits will reduce the likelihood of paying out of pocket. Increasing the deductible to lower the premium has a lower financial risk.
Conclusion: Get your IMG GlobeHopper Insurance Today
Enjoy your travels abroad! Get a policy through IMG GlobeHopper with the riders you need for the adventures awaiting. With the Adventure Sports Rider, you’ll be more prepared for the most exciting opportunities.
Don’t hesitate to contact Pacific Prime with any questions or get a free quote by using our quote generator tool to help select the best policy for your coverage area and insurance needs.
Frequently Asked Questions
Is IMG Global a legitimate company?
IMG Global has been an established insurance provider for more than 25 years. They offer many travel insurance plans and have backing from other highly successful insurance companies.
What does IMG stand for?
IMG stands for International Medical Group. The company offers travel insurance plans worldwide. It’s also known as IMG Global or IMG GlobeHopper.
Will my medical insurance cover me abroad?
Your domestic United States medical insurance policy will have limited or no coverage in most countries. If you are traveling outside of the United States, make sure you have adequate coverage by contacting your insurance company and purchasing a travel insurance plan with medical benefits.
Where in the world can I use Medicare?
Medicare benefits can only be used within the United States and its territories. If you are leaving the United States, you will need an international health insurance policy for coverage abroad.
What is the difference between travel insurance and medical travel insurance?
Medical travel insurance is specifically designed to cover any medical expenses you may incur while traveling. Travel insurance, on the other hand, provides more comprehensive coverage, including things like trip cancellation, lost luggage, and emergency medical evacuation.
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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Comments
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What are the customer service support options available for IMG GlobeHopper policyholders while traveling abroad? Also, are there any restrictions or limitations on telemedicine consultations under their plans?
IMG GlobeHopper policyholders have access to 24/7 multilingual customer service support while traveling abroad, which includes assistance with claims, emergency medical evacuations, and coordination with healthcare providers. Telemedicine consultations are included under certain plans but may be subject to regional availability, network limitations, and eligibility criteria specific to the plan you select. It’s advisable to confirm these details directly with IMG or your insurance broker to understand any restrictions.
If you have further questions about GlobeHopper policies or need personalized assistance, feel free to reach out via our Contact Us page.
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