IMG Insurance for International Travelers 2026: Coverage, Benefits & Costs
IMG’s Global Medical Bronze, Silver, Gold, and Platinum are some of the best insurance options for expats and travelers looking for top benefits to provide financial protection for themselves and their families during their well-deserved vacation abroad.
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Are you an expat planning a short-term trip or vacation? Do you want to ensure the safety of yourself and your family during your trip?
In this Pacific Prime article, we will provide you with all the information you need about insurance plans from IMG, including their cost, add-on options, and coverage and benefits to safeguard your vacation!
IMG Insurance for Expats and Worldwide Travelers
The International Medical Group (IMG) is an international health insurance provider offering expats and their families worldwide medical coverage. Founded in 1990 and headquartered in Indiana, IMG provides insurance to customers from over 190 countries.
IMG offers travel medical, international health, and traditional travel insurance plans.
Travel insurance offers protection from financial losses in the event of trip delays or cancellations, along with basic medical expense coverage for illnesses and injuries. International health insurance provides comprehensive medical coverage for families and individuals living abroad.
Thanks to its wide availability to all nationalities, IMG health insurance is perfect for expats looking to travel long-term (such as a year or longer). The various benefits of an IMG Global Medical Plan will provide financial protection for expats and their families while abroad.
IMG’s Health Insurance Plans
IMG Global provides international health insurance plans via the Global Medical Plan, which are available in four different plan tiers. The lifetime limits of each tier are as listed below:
- Bronze: USD $1,000,000 per individual
- Silver: USD $5,000,000 per individual
- Gold: USD $5,000,000 per individual
- Platinum: USD $8,000,000 per individual
IMG’s International Health Insurance Coverage and Benefits
IMG Global Medical Insurance benefits include inpatient and outpatient care, maternity coverage, prescription drugs and medication coverage, and preventive services. Other coverage options, such as dental and vision, are also included.
Inpatient Coverage and Benefits
| Bronze | Silver | Gold | Platinum | |
| Physician visits | Covered | Covered | Covered | Covered |
| Hospitalization room/board | Covered | USD $600/day (240 days max) | Covered | Covered |
| Surgery | Covered | Covered | Covered | Covered |
| Labs and X-Rays | Covered | Covered | Covered | Covered |
| Physical therapy | Covered | Covered | USD $50 max/visit | USD $50 max/visit |
| Chemotherapy | Covered | Covered | Covered | Covered |
Outpatient Coverage and Benefits
| Bronze | Silver | Gold | Platinum | |
| Physician/specialist visit | Max: USD $500 (before inpatient treatment)
Max: USD $500 (90 days after inpatient treatment or outpatient surgery) |
Physician/specialist max per visit: USD $70
Chiro max per visit: USD $50 (with referral from physician) Surgical intervention consultation max: USD $500 |
Covered | Covered |
| Outpatient surgery | Covered | Covered | Covered | Covered |
| Laboratory | Max per visit: USD $300 (only before and after inpatient) | Max per visit: USD $300 | Covered | Covered |
| Radiology/X-ray | Max per examination: USD $250 (90 days before and after surgery) | Max per examination: USD $250 | Covered | Covered |
| Cancer treatment | Covered | Covered | Covered | Covered |
IMG’s Maternity Coverage and Benefits
Maternity coverage is only available in the Platinum plan, with pregnancy covered under the Routine Care During the First 31 Days of Life plan. Below are the maternity coverage and benefits:
- Maternity Care: IMG’s maternity care benefits are available after 10 or 24 months of continuous coverage. The maternity deductible is USD $2,500 (in addition to the plan deductible), while the lifetime maximum is USD $50,000.
- Newborn Care/Congenital Disorders: IMG’s newborn care and congenital disorders benefits have a maximum coverage of USD $250,000. Individuals are eligible if the pregnancy is covered under the Routine Care During the First 31 Days of Life plan.
- Newborn Wellness: IMG’s newborn wellness benefits offer a maximum coverage of USD $200. Individuals are eligible if the pregnancy is covered under the Routine Care During the First 31 Days of Life plan.
IMG’s Prescription Drugs & Medication Coverage and Benefits
| Bronze | Silver | Gold | Platinum | |
| Prescriptions, drugs, dressings, and durable medical equipment | Available 90 days after inpatient treatment or outpatient surgery.
Max limit per event: USD $600 (orphan or biologic drugs do not apply due to maximum limit/event). |
Subject to deductible and coinsurance.
90-day supply/prescription after related coverage. US retail pharmacy out-of-network: 80%. International retail pharmacy: 100% |
Subject to deductible and coinsurance.
90-day supply/prescription. US retail pharmacy out-of-network: 80%. International retail pharmacy: 100% |
US retail pharmacy: A prescription drug card is needed.
Copay/30-Day supply: USD $20 for generic brands, USD $40 for brand names for which generic brands are not available. International retail pharmacy (subject to deductible): 100% |
IMG’s Emergency Services
| Bronze | Silver | Gold | Platinum | |
| Emergency local ambulance | Max per incident: USD $1,500 | Max per incident: USD $1,500 | Covered | Covered |
| Emergency medical evacuation | Max: USD $50,000 | Max: USD $50,000 | Up to lifetime maximum | Up to lifetime maximum |
| Emergency reunion | Lifetime max: USD $10,000
Max days: 15 days Max per day: USD $25 |
n/a | Lifetime max: USD $10,000
Max days: 15 days Max per day: USD $25 |
Lifetime max: USD $10,000
Max days: 15 days Max per day: USD $25 |
| Return of mortal remains | Max: USD $25,000 | Max: USD $25,000 | Max: USD $25,000 | Max: USD $50,000 |
IMG’s Optional Benefits
In addition to inpatient and outpatient care, maternity, prescription, and preventative benefits, expats can also choose optional benefits such as dental, vision, global term life, sports insurance, and more to customize their plans according to their needs:
- Dental: IMG’s dental benefit can be added to Bronze, Silver, and Gold plans. This covers USD $750 per period of coverage with a USD $50 deductible. Routine care is covered by 90%, while minor treatment is 70% covered, and major restorative treatment is 50% covered.
- Vision: IMG’s vision benefit can be added to Bronze, Silver, and Gold plans. This covers up to USD $100 of eye exam fees per 24 months and USD $150 of glasses and lens fees every 24 months.
- Global Term Life Insurance: This benefit pays out a certain amount of money to a policyholder’s beneficiary in the event of their untimely passing while traveling. Coverage limits vary depending on age, with the highest coming in at USD $75,000.
- Accidental Death and Dismemberment (AD&D): IMG’s AD&D benefit is included with Term Life and pays a principal sum (based on one’s age at the time of death) in the event of death or loss of two body parts (hands, feet, eyes, etc.) and half the principal sum in case of losing one body part.
- Terrorism: IMG’s terrorism benefit is available exclusively for Platinum plans. This benefit offers a USD $50,000 lifetime maximum for an eligible medical fee occurring as a result of an act of terrorism.
- Sports: IMG’s sports benefit is exclusively available for Gold and Platinum plans. They offer a USD $10,000 lifetime maximum for amateur athletics and a USD $50,000 lifetime maximum for sports performed by a policyholder younger than 49 years.
Cost of IMG International Health Insurance for Expats and Travelers
Your IMG insurance plan’s cost depends on numerous factors, such as age and destination. You also have multiple options to choose from to get the exact coverage at the price point you’re comfortable with.
It’s strongly recommended that you don’t just go for the cheapest plan available because that might not give you the exact coverage you need.
IMG’s Options for Coverage Selection
There are several options available for customizing your coverage, such as the geographical area of your coverage, deductibles, and premium modes. We will discuss these options below so you can understand how to optimize your plan for your needs.
Worldwide Medical Coverage from IMG
You can choose one out of two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan.
Choose the coverage area that matches your geographic area of need. Each provides complete coverage, but premiums reflect the cost of care in parts of the world.
Deductible Options from IMG
IMG offers multiple deductible options to choose from. A deductible is how much you pay out of pocket before your insurance starts paying for services. The higher your deductible, the lower your premium will likely be, although you may need to pay some of the bills yourself.
IMG offers seven deductible options, ranging from USD $250 to up to USD $25,000, depending on your selected plan.
Four Premium Modes from IMG
IMG allows you to pay for your premium entirely upfront or to choose from one of the four payment frequencies below:
- Annually
- Semi-annually
- Quarterly
- Monthly
Frequently Asked Questions
Are there any eligibility criteria for IMG insurance?
The IMG insurance plan is available to all nationalities from 14 days to age 74. U.S. citizens must plan to live outside of their home country for at least half of the 12 months covered by the plan year.
Are seniors still eligible for IMG insurance?
Individuals aged 75 and above are no longer eligible for coverage. However, if one enrolls before their 65th birthday and maintains the plan, IMG will offer the Global Senior Plan, an alternative plan to shift to upon reaching the age of 75.
What are the payment options for IMG insurance?
You can purchase IMG insurance plans online using a credit card or debit card. You can then choose to pay annually, semi-annually, quarterly, or monthly. Payment details are required during your application process, but your card may not be charged until the completion of the underwriting process.
What should I expect during the underwriting process?
This is where an underwriter will review your family’s medical status and history within five business days. You will then be notified of your application status upon completion. If any further information is needed, or if a rider or premium has been added to your plan.
Is IMG insurance renewable?
Subject to the plan’s terms set by the IMG, the insurance policy is annually renewable, and the coverage is kept upon renewal. Before the end of each coverage period (12 months), you will be notified of renewals, and you must continue to meet the eligibility requirements to renew.
What is the best insurance for international travel?
The best insurance for international travel depends on your trip length. Travel insurance suits short trips, travel medical insurance fits longer stays, and international health insurance offers the most comprehensive, ongoing cover. It’s also important to choose a reliable provider such as IMG.
Conclusion
IMG Global Medical Plans can be the ideal choice for all expats and international travelers, thanks to their wide availability and flexible benefits. Wherever you’re headed, IMG helps safeguard you and your family during your vacation abroad.
When selecting the right plan for you or your family, always consider coverage and benefits rather than deciding solely based on cost. It may be worth paying more for plans with better coverage and benefits.
As a veteran international health insurance broker, Pacific Prime is ready to help match you with the insurance plan that not only matches your budget but also your unique needs for both yourself and your family.
From short-term travel insurance to long-term international health insurance, we are happy to help you compare quotes and find the right coverage you need.
If you have any lingering questions or queries you’re unsure of, please get in touch with us, and we will be very happy to help you with impartiality and service-mindedness.
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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Comments
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How can expats ensure their IMG insurance plan covers pre-existing conditions effectively, and what documentation might be required during the application process?
To ensure IMG insurance effectively covers pre-existing conditions, expats should opt for a plan that explicitly includes pre-existing condition coverage, such as the Platinum plan, and review waiting periods or limits that may apply. During the application process, documentation like detailed medical history, previous diagnoses, and current treatment records may be required to determine eligibility and coverage terms. It’s essential to confirm how pre-existing conditions are defined under the plan and if any riders or additional premiums apply.
For personalized advice and to compare IMG plans, visit Pacific Prime’s Contact Us page—our experts can guide you through every step.
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