IMG Travel Insurance Plans For Expats & Global Travellers

The plan includes coverage for emergency medical evacuations to the nearest qualified medical facility in life-threatening situations, expenses for reasonable transportation resulting from the evacuation, and the cost of returning to either the home country or the country where the evacuation occurred.

If accidental death should occur while traveling on a commercial common carrier during the period of coverage, $25,000 is payable to the designated beneficiary.

These must be approved and coordinated in advance through IMG.

• Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy.
• Coverage under this plan is secondary to any other coverage.
• Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
• Charges must be administered or ordered by a physician.
• Charges must be incurred during the Period of Coverage or the Benefit Period.
• Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

The following conditions apply to all persons applying for and/or enrolling in this plan.

• This is travel insurance for non-U.S. citizens traveling outside their home country.
• For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the Application Form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.