IMG Global offers international health insurance, travel insurance, and travel medical insurance to expats across the world. They have been doing business globally since 1990 and focus on providing insurance solutions for individuals, families, groups, and companies.

IMG Global Insurance Plans for Expats

Expats planning short-term trips, such as vacations, will want an IMG travel insurance plan, whereas those staying long-term will want an international health insurance plan. IMG offers different insurance solutions so every worldwide traveler can have their unique needs covered.

Key Benefits of IMG Global Insurance Plans

IMG Global offers many attractive benefits in their insurance plans, such as worldwide and customizable coverage, emergency medical evacuation assistance, and more. These features help set them apart from other providers and provide a better experience for their members.

Worldwide Coverage

IMG Global insurance plans provide worldwide coverage, with the option for members to choose their area of coverage. Members can choose Worldwide coverage or Worldwide Excluding the USA, Hong Kong, Japan, Macau, Singapore, and Taiwan.

Customizable Coverage

Expats can customize the coverage on their plans by adding optional benefits such as dental or vision. IMG Global insurance plans are flexible, with options to match every need and budget.

Emergency Medical Evacuation

Emergency medical evacuation assistance is available to every IMG member, so you are never left unprotected. Maximum benefit limits for emergency medical evacuations depend on what plan you choose.

Quality Member Support

IMG Global offers its members medical, travel, and security support services around the clock, seven days a week. They also have an online portal for you to use to manage claims and research providers near you. 

Prescription Drug Coverage

All tiers of coverage in the IMG Global international health insurance plans offer prescription drug coverage. Limits will vary across tiers of coverage.

IMG Global International Health Insurance Plans

IMG Global provides its international health insurance plan through a Global Medical Plan, available in four different categories of coverage: Bronze, Silver, Gold, and Platinum. Lifetime limits vary across these plans, with the maximum limit going up to USD $8,000,000.

International health insurance is made for expat individuals and families looking to travel long-term, such as one year or longer. The comprehensive benefits offered by an IMG Global Medical Plan will provide financial protection for expats during their time abroad.

IMG Global Medical Insurance Coverage and Benefits

IMG Global Medical Insurance benefits include inpatient care, prescription coverage, cancer treatment, and medical emergency coverage. The Global Medical plan has different tiers of benefit packages that are designed for differing medical needs and budgets.

The lifetime limits of the Global Medical plans categories are listed below in USD amounts: 

• Bronze: $1,000,000 per individual
• Silver: $5,000,000 per individual
• Gold: $5,000,000 per individual
• Platinum: $8,000,000 per individual

Inpatient coverage varies across the tiers of the Global Medical plan. Consult the table below for the specific coverage amounts.

IMG Health Insurance Plans Inpatient Benefits (USD)
	Bronze	Silver	Gold	Platinum
Physician Visits	Covered	Covered	Covered	Covered
Hospitalization room/board	Covered	$600 per day; 240 day max	Covered	Covered
Surgery	Covered	Covered	Covered	Covered
Labs & X-rays	Covered	Covered	Covered	Covered
Physical therapy	Covered	Covered	$50 Maximum limit per visit	$50 Maximum limit per visit
Specialist visits	Maximum Limit: $500 (Before Inpatient Treatment) Maximum Limit: $500 (90 days following Inpatient Treatment or Outpatient Surgery)	Maximum per visit: $70 Chiro max per visit: $50 (with a referral from physician) Surgical Intervention Consultation max: $500	Covered	Covered

Next is a table detailing the benefits of outpatient services across the different tiers of the Global Medical plan. Outpatient services are healthcare services that do not require hospitalization.

IMG Health Insurance Plans Outpatient Benefits (USD)
	Bronze	Silver	Gold	Platinum
Physician Visits	Maximum Limit: $500 (Before Inpatient Treatment) Maximum Limit: $500 (90 days following	Maximum per visit: $70 Chiro max per visit: $50 (with a referral from physician) Surgical	Covered	Covered
	Inpatient Treatment or Outpatient Surgery)	Intervention Consultation max: $500
Outpatient Surgery	Covered	Covered	Covered	Covered
Laboratory	Maximum Limit per visit: $300 (Before and after Inpatient Treatment only)	Maximum Limit per examination: $300	Covered	Covered
Radiology/X-ray	Maximum Limit per examination: $250 (Before and after Inpatient Treatment only)	Maximum limit per examination: $250	Covered	Covered
Cancer Treatment	Covered	Covered	Covered	Covered

Next is a table detailing the benefits of maternity coverage across the different tiers of the Global Medical plan.

IMG Health Insurance Plans Maternity Benefits (USD)
	Bronze	Silver	Gold	Platinum
Maternity care	N/A	N/A	N/A	Available after 10 months of continuous coverage Maternity Deductible: $2,500 (In addition to plan Deductible) Lifetime Maximum: $50,000
Newborn Care/Congenital Disorders	N/A	N/A	N/A	Maximum Limit: $250,000 Eligible if the
				Pregnancy is covered under the plan Routine Care during the first 31 days of life
Newborn Wellness	N/A	N/A	N/A	Maximum Limit: $200 Eligible if the Pregnancy is covered under the plan Routine Care after 31 days of life through 12 months

Next is a table detailing the benefits of prescription drugs and medication coverage across the different tiers of the Global Medical plan.

IMG Health Insurance Plans Prescription Drug and Medication Benefits (USD)
	Bronze	Silver	Gold	Platinum
Prescription Drugs, Dressings, and Durable Medical Equipment	Available for 90 days following Inpatient Treatment or Outpatient Surgery Maximum Limit per event: $600 (Orphan Drugs or Biologic Drugs do not apply to the Maximum Limit per event)	Subject to deductible and coinsurance. 90-day supply per prescription following related covered event. U.S. Retail Pharmacy out-of-network: 80% International Retail Pharmacy: 100%	Subject to deductible and coinsurance. 90-day supply per prescription. U.S. Retail Pharmacy out-of-network: 80% International Retail Pharmacy: 100%	U.S. Retail Pharmacy: prescription drug card required. Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available. International Retail Pharmacy (subject to deductible): 100%

Next is a table detailing the benefits of preventative services coverage across the different tiers of the Global Medical plan.

IMG Health Insurance Plans Preventative Services Benefits (USD)
	Bronze	Silver	Gold	Platinum
Emergency Local Ambulance	Maximum Limit per incident: $1,500	Maximum Limit per incident: $1,500	Covered	Covered
Emergency Medical Evacuation	Maximum Limit: $50,000	Maximum Limit: $50,000	Up to lifetime maximum	Up to lifetime maximum
Emergency Reunion	Lifetime Maximum: $10,000 Maximum days: 15 Meal Maximum Limit per day: $25	N/A	Lifetime Maximum: $10,000 Maximum days: 15 Meal Maximum Limit per day: $25	Lifetime Maximum: $10,000 Maximum days: 15 Meal Maximum Limit per day: $25
Return of Mortal Remains	Maximum Limit: $25,000	Maximum Limit: $25,000	Maximum Limit: $25,000	Maximum Limit: $50,000

IMG Global Medical Optional Benefits

Expats can choose optional benefits like global term life insurance, dental, vision, and more to their plans to customize them according to their needs. We will discuss these optional benefits in greater detail below:

• Dental rider: this optional rider can be added to bronze, silver, and gold plans only. It covers $750 per period of coverage, with a $50 deductible. Routine care is 90% covered, and minor restorative treatment is 70% covered and major restorative treatment is 50% covered.
• Vision rider: this optional rider can be added to bronze, silver, and gold plans only. It covers up to $100 of exam costs and $150 of glasses and lenses costs every 24 months.
• Global term life insurance: this rider will pay out a certain amount of money to a policyholder's beneficiary if they were to pass while traveling. Coverage limits vary across ages, with the highest limit being USD$75,000.
• Terrorism: this rider is available for platinum plans only. It offers a $50,000 lifetime maximum for an eligible medical expense that occurred as a result of an act of terrorism.
• Sports rider: this rider is available for gold and platinum plans only. It offers a USD $ 10,000 lifetime maximum for amateur athletics and a $50,000 lifetime maximum for adventure sports performed by a policyholder younger than 49 years.

IMG Global Group International Health Insurance

IMG Global offers international health insurance policies for groups and businesses through its Global Employer’s Option℠ (GEO) plan. With GEO, multinational employers can provide customizable benefits packages for their employees as they travel.

Key benefits of the GEO plan include

• Dental, disability, and life insurance available
• Universal Rx pharmacy discount savings
• Qualifies as Minimum Essential Coverage
• Emergency travel assistance
• Extensive network access

To understand more about IMG Global group plans and corporate insurance, contact one of our insurance experts at Pacific Prime.

IMG Global Travel Insurance Plans

IMG offers the choice of travel medical insurance plans or travel insurance plans, with the main difference between the two plans being the coverage of medical benefits. Those looking to travel short-term with a more comprehensive medical plan can choose travel medical insurance.

IMG Global Travel Medical Insurance Plans and Benefits

IMG Global offers Patriot Lite, Patriot Plus, and Patriot Platinum as their travel medical insurance plans. Patriot Plus is only available when chosen for coverage inside the USA.

These plans vary in coverage and limits, with Patriot Platinum being the most comprehensive of the three. All plans offer the benefits of hospitalization coverage, emergency medical evacuation, and lost luggage coverage.

Consult the table below for a brief overview of the differences between the three plans.

IMG Health Insurance Plans Preventative Services Benefits (USD)
	Lite	Plus	Platinum
Maximum Limits	Up to $1 million	Up to $1 million	Up to $8 million
Deductible	$0 to $2,500	$0 to $2,500	$0 to $25,000
Acute Onset of Pre-existing Conditions	Not covered	Covered	Covered
Travel intelligence	Not covered	Not covered	Covered
Telehealth	Not covered	Not covered	Covered
Evacuation Plus	Not covered	Not covered	Covered

In the table below is an overview of the two plans available when you choose a plan outside the USA.

Travel Medical Coverage Outside the USA (USD)
	Lite	Plus	Platinum
Maximum Limits	Up to $1 million	Up to $1 million	Up to $8 million
Deductible	$0 to $2,500	$0 to $2,500	$0 to $25,000
Acute Onset of Pre-existing Conditions	Not covered	Covered	Covered
Travel intelligence	Not covered	Not covered	Covered
Telehealth	Not covered	Not covered	Covered
Evacuation Plus	Not covered	Not covered	Covered

In the table below is an overview of the two plans available when you choose a plan outside the USA.

Travel Medical Coverage Outside the USA (USD)
	Lite	Platinum
Maximum Limits	Up to $1 million	Up to $8 million
Deductible	$0 to $2,500	$0 to $25,000
Acute onset of pre-existing conditions	Covered	Covered
Travel intelligence	Not covered	Covered
Telehealth	Not covered	Covered
Evacuation Plus	Not covered	Covered

In the table below is an overview of the two plans available when you choose a plan outside the USA.

Travel Medical Coverage Outside the USA (USD)
	Lite	Platinum
Maximum Limits	Up to $1 million	Up to $8 million
Deductible	$0 to $2,500	$0 to $25,000
Acute onset of pre-existing conditions	Covered	Covered
Travel intelligence	Not covered	Covered
Telehealth	Not covered	Covered
Evacuation Plus	Not covered	Covered

Other benefits shared by all levels of the Patriot plans include:

• Physician visits
• Cancer treatment
• X-rays and lab tests
• Surgeries
• Prescription drugs and medication
• Return of mortal remains
• Return travel costs

IMG Global Travel Insurance Plans and Benefits

IMG Global offers travel insurance through its iTravelInsured plans, available in Lite, SE, or LX variations. These plans were designed to protect expats from financial losses like delayed or canceled flights, missing luggage, and other unexpected events.

Here is a table with a basic overview of the plan benefits:

	iTravelInsured Lite	iTravelInsured SE	iTravelInsured LX
Trip Cancellation	Up to 100% of non-refundable trip cost	Up to 100% of non-refundable trip cost	Up to 100% of non-refundable trip cost
Trip Interruption	Up to 125% of non-refundable trip cost	Up to 150% of non-refundable trip cost	Up to 150% of non-refundable trip cost
Trip Delay	Up to $125 per day per person ($500 max per person)	Up to $125 per day per person ($2,000 max per person)	Up to $250 per day per person ($2,500 max per person)
Baggage & Personal Effects	$750 ($250 max per item)	$1,500 ($250 max per item)	$2,500 ($250 max per item)
Baggage Delay	Up to $150	Up to $250	Up to $500
Medical Evacuation & Repatriation of Remains Benefit	Up to $500,000 per person	Up to $500,000 per person	Up to $1,000,000 per person
Rental Car Damage & Theft Coverage	Not covered	Covered	Covered

Other benefits shared by all levels of the iTravelInsured plans include:

• 24/7 emergency assitance support
• Return transportation
• Transportation of child/children
• Accident & sickness expense (COVID-19 is covered as any other sickness)

Other IMG Global Travel Insurance Products

IMG Global also offers a GlobeHopper Senior plan for those aged 65+ and above, and a Patriot Exchange Program plan that covers those participating in cultural exchange programs. These plans include various benefits like medical coverage and emergency assistance coverage.

IMG Global GlobeHopper Senior Plans

IMG offers members 65+ and older two GlobeHopper Senior plan options: Single-Trip or Multi-Trip. These plans were designed to provide for the insurance needs of US citizens and permanent residents who plan on traveling outside of the states.

• Globehopper Senior Single-Trip: protects travelers with travel medical insurance coverage from five days up to 12 months on a single trip. Maximum limit of USD $1,000,000 dependent on age.
• Globehopper Senior Multi-Trip: protects travelers with flexible protection with an annual plan that can cover multiple trips throughout a 12-month period. Each trip covers up to a maximum of 30 or 45 days, depending on the policy option you choose.

Maximum limit of $1,000,000 dependent on age.

IMG Global Patriot Exchange Program

The Patriot Exchange program plan offers coverage for the medical and safety needs of individuals or groups of students studying abroad or participating in a cultural exchange program. Their plans offer comprehensive coverage and optional riders.

Some key benefits of the Patriot Exchange Program are:

• Inpatient & outpatient coverage
• Prescription drug and medication coverage
• Emergency assistance
• Mental wellness coverage
• Dental care
• Emergency medical evacuation

Why Expats Choose IMG Global

Expats choose IMG Global because of their exceptional member service, comprehensive medical benefits, and diverse insurance products. With IMG Global, there is an insurance solution for everyone, whether you are an individual, family, business, student, or professional.

Contact an Insurance Broker for IMG Global Plans

You can contact an insurance broker today for a free quote for an IMG Global insurance plan and for completely free, unbiased advice. As an insurance broker, Pacific Prime does not work directly for any insurer as an agent does. Because of this, we can remain impartial in our advice.

Working with an insurance broker is also completely free. We receive our commission from the insurer and don’t charge you anything for our services. You can reach out to us today for more information or begin comparing quotes yourself directly on our website.

Frequently Asked Questions:

Who would IMG Global Medical Plans benefit the most?

IMG’s Global Medical Plan is designed for those seeking long-term (1+ year) medical coverage while they are traveling abroad and would most benefit expats, digital nomads, and global citizens.

What are the age coverage limits of IMG Global plans?

Members enrolled in a medical insurance plan anytime before their 65th birthday can maintain their coverage until 75 years old. After they turn 75, they can look into IMG Global’s Senior plans.