International Medical Group (IMG)

International Medical Group: travel, medical, and international health insurance

International Medical Group, known commercially as IMG, is an Indianapolis-based company specializing in the marketing of travel insurance, travel medical insurance, and international health insurance. Its catalog is organized into three main lines: Travel Insurance, Travel Medical Insurance, and International Health Insurance, each with specific plans and distinct target audiences.

Travel insurance plans

Within the travel insurance line, the company markets the iTravelInsured Choice, iTravelInsured SE, and iTravelInsured LX plans. These products are designed to protect the trip investment against delays, interruptions, or cancellations, and include financial protection coverages such as trip cancellation and interruption, rental car protection, personal liability, trip costs up to $150,000, and reimbursement for lost or damaged baggage, delayed baggage, lost or damaged sports equipment, and loss of passport or credit cards.

Travel medical insurance

The travel medical insurance line includes the Patriot Platinum, Patriot Plus, and Patriot Lite plans. This is temporary coverage during travel, designed for accidents, illnesses, and emergency evacuations when traveling or visiting a country other than the country of residence. Among the coverages described are medical care, accidents and illnesses, emergency medical evacuation, dental emergencies, telehealth, COVID-19, teletherapy, counseling services, employee assistance program, and mental health coverage.

International health insurance

For extended stays, the company offers the Global Medical Silver, Global Medical Gold, and Global Medical Platinum plans, presented as annually renewable private medical coverage for expatriates and global citizens living or working outside their country. This line is complemented by medical and travel assistance services, security assistance, global workers' compensation insurance, and administrative services.

Customer profiles and categories served

The site organizes its offering by traveler categories: vacation/holiday, visitor/immigrant, student/scholar, expat/global citizen, mission/social good, flights/airfare, cruises/excursions. In the corporate sphere, the company targets corporations, insurance companies, educational institutions, mission organizations, maritime industries, government agencies, and non-profit organizations.

Assistance services and operational capabilities

In addition to coverages, IMG provides non-insurance assistance services available 24/7, with experienced case managers, in-house medical team, real-time mobile emergency alerts, emergency translations, and medical referrals. The company states it has more than one million doctors and teledocs, support in 18 languages, more than 500 employees, and 35 years of service. It also offers assistance services through Global Rescue Membership and Rescue Services, with emergency evacuation request.

Resources for members and producers

The site provides members with a claims center, forms library, plan documents, policy renewal, find a doctor, member resources, precertification, and account access. For producers and agents, the company offers contracting, producer resources, affiliate program, and producer login. The company maintains an average rating of 4.6 out of 5 based on more than 19,000 reviews, according to data shown on its website.

Marketing structure and underlying coverages

The iTravelInsured travel insurance plans are underwritten by SiriusPoint America Insurance Company, under form series SA-ITI-19-1000 and others, and by United States Fire Insurance Company, with principal office in Morristown, New Jersey, under form series T7000, T210, and TP-401 and others. IMG markets these insurances on behalf of USF and adds non-insurance components to the plans, without receiving compensation from USF for doing so. The plans include non-insurance travel assistance services provided by International Medical Group and Teladoc, the latter only available on the iTravelInsured Choice, iTravelInsured Travel SE, and iTravelInsured Travel LX plans. Coverages are subject to terms, limitations, and exclusions, including an exclusion for pre-existing medical conditions, and may vary by jurisdiction.

Location and contact

9200 Keystone Crossing, Indianapolis, IN 46240 USA · Phone: +1 (317) 655-9796 · Email: insurance@imglobal.com