On this page15 sections
- Ratings and complaints
- IMG vs. competitors
- Pricing
- Step by step
- IMG travel insurance legitimacy and licensing
- IMG plans explained: Patriot vs. iTravelInsured
- How much IMG travel insurance costs
- How IMG Works
- IMG BestGuide Rating
- Frequently Asked Questions About IMG
- IMG complaints and how to avoid claim problems
- Pre-existing conditions and other exclusions
- Where to complain about a denied claim
- What customers say
- Alternatives
IMG (International Medical Group)'s Patriot plans suit travelers who want medical cover abroad with high limits, up to $8 million on Patriot Platinum, and its iTravelInsured plans cover trip cancellation up to 100% of the trip cost. It is a legitimate travel and international health insurance company founded in 1990 in Indianapolis and owned by SiriusPoint Ltd. Buyers rate the purchase process highly (4.6 on Trustpilot), but the complaints that do appear center on slow claims, repeated document requests and benefits that read differently in the policy than in the summary. Read the plan document for your state before you buy, especially the pre-existing condition rules.
Your options
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Freely Alternative Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
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InsureMyTrip Alternative Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help.
- Company
- International Medical Group, Inc., 9200 Keystone Crossing, Suite 800, Indianapolis, IN; founded 19904
- Owner
- Wholly owned subsidiary of SiriusPoint Ltd.; bought World Nomads from nib Group, completed October 1, 202614
- Underwriters
- SiriusPoint America Insurance Company (rated A- by AM Best in 2023, per IMG) and, for some iTravelInsured plans, United States Fire Insurance Company, depending on your state3
- Travel medical plans
- Patriot Lite and Patriot Plus: $50,000 to $1,000,000 medical; Patriot Platinum: $2,000,000 to $8,000,0001
- Trip insurance plans
- iTravelInsured Choice, Travel SE and Travel LX: cancellation up to 100% of trip cost, interruption up to 150%, medical $100,000 to $500,0002
- Cancel for any reason
- Optional upgrade on iTravelInsured plans; not available in New York on Travel LX2
- Pre-existing conditions
- Plans carry a pre-existing condition exclusion, subject to each plan's terms3
- Prices
- Not published as a list; quotes depend on age, trip length, destination, trip cost and coverage1
Pros
- Very high medical limits on Patriot Platinum, up to $8 million
- Wide range of plans for vacations, visitors, students and expats
- Trip plans cover cancellation up to 100% and interruption up to 150%
- 35+ years in business with an established parent insurer
- 4.6 out of 5 on Trustpilot from more than 25,000 reviews
Cons
- BBB rating of B with 188 complaints in three years
- Claims complaints about delays and repeated document requests
- Pre-existing condition exclusions apply
- No published price list; you need a quote
- Weak mobile app ratings
Best for: Travelers who need medical cover abroad with high limits, or a trip plan with cancel for any reason, and who will read the policy document.
Skip it if: You want the fastest, simplest claims experience, or you have a pre-existing condition and haven't confirmed how your plan treats it.
IMG vs. competitors
| Company | Short-trip medical maximum | Trip cancellation | Squaremouth rating | Next step |
|---|---|---|---|---|
| IMG (Patriot plans) | Patriot Plus $50,000 to $1,000,000; Patriot Platinum $2,000,000 to $8,000,000 | Optional add-on on Patriot Platinum; included on iTravelInsured | 4.21 out of 5 | |
| BCBS Global Solutions (GeoBlue) | $50,000 to $1,000,000 | Not included; small trip interruption benefit only | 4.62 out of 5 | Read review |
| Seven Corners | $100,000 secondary (Basic) or $500,000 primary (Choice) on its trip plans | Up to $100,000 per person (Choice) | Not shown | Read review |
| World Nomads | $125,000 or $150,000 | Included | See World Nomads review | Visit site |
Travel insurance we reviewed
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IMG This review BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers who need medical cover abroad with high limits, or a trip plan with cancel for any reason, and who will read the policy document. -
Freely BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it. -
InsureMyTrip BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help. -
WorldTrips BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad. -
Allianz BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Large U.S. companies and multinationals that need specialty or cross-border coverage placed through a broker. -
Faye BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want primary medical coverage abroad and prefer to handle the whole policy, including claims, in an app. -
World Nomads BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Backpackers, solo travelers and adventure travelers who want activities like diving, skiing and trekking covered without extra riders. -
Generali BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits.
IMG pricing at a glance
IMG's main plans and limits, as listed October 12, 20261
| Plan | Type | Emergency medical | Evacuation | Trip cancellation |
|---|---|---|---|---|
| Patriot Lite | Travel medical | $50,000 to $1,000,000 | Up to $1,000,000 | Not included |
| Patriot Plus | Travel medical | $50,000 to $1,000,000 | Up to $1,000,000 | Not included |
| Patriot Platinum | Travel medical | $2,000,000 to $8,000,000 | Up to $8,000,000 | Optional add-on |
| iTravelInsured Choice | Trip insurance | $100,000 | $500,000 | Up to 100% of trip cost |
| iTravelInsured Travel SE | Trip insurance | $250,000 | $500,000 | Up to 100% of trip cost |
| iTravelInsured Travel LX | Trip insurance | $500,000 | $1,000,000 | Up to 100% of trip cost |
IMG quotes prices online based on your age, trip and chosen limits; it doesn't publish a price list. Limits and benefits for New York and Washington residents may differ. IMG also sells visitor, student, multi-trip and long-term international health plans.
IMG, step by step
Choose the plan type
Travel medical (Patriot) covers medical care abroad; trip insurance (iTravelInsured) adds cancellation and interruption for prepaid trips.
Get a quote and read the policy
Enter ages, dates and destination online. Download the plan document for your state and check limits, deductibles and the pre-existing condition rules.
Buy and save your ID card
Coverage details and contact numbers come by email and in your online account.
Get care or file a claim
Call the assistance number for emergencies or evacuation, then submit claims with itemized bills and receipts through IMG's online account.
Keep records
Expect requests for medical records and proof of travel; send everything at once and keep copies to avoid delays.
IMG travel insurance legitimacy and licensing
Yes. International Medical Group, Inc. was founded in 1990 and is based at 9200 Keystone Crossing in Indianapolis. It’s a wholly owned subsidiary of SiriusPoint Ltd., a publicly traded specialty insurer. IMG designs and administers its plans; the insurance itself is underwritten by SiriusPoint America Insurance Company, which IMG says was rated A- (Excellent) by AM Best in 2023, or for some iTravelInsured plans by United States Fire Insurance Company, depending on your state.
IMG is growing: SiriusPoint announced in December 2025 that IMG would buy Assist America, and in February 2026 that IMG would buy World Nomads from Australia’s nib Group. IMG announced on October 1, 2026 that it had completed the World Nomads purchase.
Its reputation is mixed by source. Trustpilot reviewers give it 4.6 out of 5, Squaremouth buyers 4.21, and the BBB a B rating with 188 complaints in three years.
IMG plans explained: Patriot vs. iTravelInsured
Patriot travel medical plans cover medical care and evacuation while you travel. Patriot Lite and Patriot Plus offer medical maximums from $50,000 to $1,000,000 with evacuation up to $1,000,000. Patriot Platinum offers $2,000,000 to $8,000,000, includes telehealth, and lets you add Trip cancellation. Reimburses prepaid, nonrefundable trip costs if you cancel before departure for a reason the policy covers. Compare travel insurance and interruption.
iTravelInsured trip plans are built around prepaid trips. Choice, Travel SE and Travel LX all cover cancellation up to 100% of the trip cost and interruption up to 150%, with emergency medical of $100,000, $250,000 and $500,000 and evacuation of $500,000 to $1,000,000. A Cancel For Any Reason (CFAR). An optional upgrade that refunds a set percentage of nonrefundable costs if you cancel for any reason. Compare travel insurance upgrade is available, though not on Travel LX in New York.
IMG also sells visitor plans for people coming to the U.S., student plans, multi-trip plans and Global Medical plans for expats.
How much IMG travel insurance costs
IMG doesn’t publish a price list. Your quote depends on your age, the length of the trip, where you’re going, your trip cost for iTravelInsured plans, and the medical maximum and deductible you pick for Patriot plans. Older travelers and higher limits cost more. Get quotes for two or three limits and deductibles to see where the price jumps, and compare at least one other insurer, since IMG’s prices can be lower or higher than rivals depending on your age.
Key Takeaway: IMG (Expert Score: 3.9/5.0)
Our expert panel scored IMG travel insurance at 3.9/5.0, reflecting its excellent plan diversity offset by administrative friction. The provider offers strong medical coverage limits up to $8,000,000, yet policyholders report claims processing cycles that span 30-45 days.
This comprehensive IMG review evaluates the functional strengths and operational limitations of International Medical Group, a prominent provider of travel insurance international policies. Based on BestGuide’s rigorous evaluation of expert reviews and customer data, IMG earns an Expert Score of 3.9/5.0. This score reflects a strong product catalog paired with below-average customer support scores, driven by administrative claims delays. If you are shopping for the best travel insurance, you must weigh these high medical coverage limits against the realities of the company’s claims timeline.
We analyzed IMG reviews from across the travel industry to identify where this provider excels and where it falls short of the market average. While its medical benefits are competitive, policyholders frequently encounter friction when submitting travel medical insurance documentation. This analysis outlines everything you need to know about policy tiers, pricing structures, and claim processes.
Compare IMG with other top-rated travel insurance companies to see how it stacks up.
How IMG Works
Founded in 1990 in Indiana, IMG operates as a managing general underwriter. The company designs, administers, and pays claims for travel insurance plans, while the financial risk is backed by highly rated carriers. Its primary underwriters are SiriusPoint America Insurance Company and United States Fire Insurance Company, both of which maintain an A.M. Best financial strength rating of A- (Excellent) or better. This financial backing ensures the company can fulfill its claims obligations, even during large-scale global travel disruptions.
The process of securing coverage begins with requesting travel insurance quotes directly through the website. You input your travel dates, destination, traveler ages, and total non-refundable trip costs. The platform then generates a comparative list of compatible policies, ranging from medical-only coverage to comprehensive trip cancellation protection. The iTravelInsured Choice plan is the company’s most popular offering, providing a balanced mix of Trip interruption. Pays for unused trip costs and extra travel costs if a covered reason cuts your trip short. Compare travel insurance and emergency medical benefits.
Once you select a policy, you can customize it with optional upgrades. This includes adding cancel for any reason travel insurance, which reimburses up to 75% of your trip expenses under specific time constraints. After purchasing, you receive your policy documentation and a digital ID card. This card contains the contact numbers for the company’s 24/7 emergency medical assistance team, which operates globally to coordinate hospital admissions and medical evacuations.
When a medical emergency occurs, or your trip is disrupted, you must file a claim through the online portal. You are required to submit itemized bills, proof of travel dates, and medical records. While the company provides a digital upload interface, our analysis reveals that claims processing times are slower than the industry average. It typically takes between 30 and 45 days for the company to evaluate, process, and issue payments for approved claims.
IMG BestGuide Rating
The BestGuide Rating is our proprietary score produced by our expert panel, utilizing five service evaluation criteria to assess travel insurance providers. Under this methodology, IMG receives an overall Expert Score of 3.9/5.0. This score is below the travel insurance industry average of 4.1, largely due to depressed scores in customer satisfaction and transparency.
Our panel scored IMG at 85% for Reputation and 85% for Services, recognizing its extensive plan catalog and highly rated underwriting carriers. The company scored 80% for Scalability, reflecting its global medical network. However, its Transparency score fell to 75% due to complex policy exclusions, and its Customer Satisfaction score dropped to 65%. This lower score is a direct result of slow claims processing timelines and automated customer service routing that limits direct access to claims representatives.
Frequently Asked Questions About IMG
What do experts say about IMG?
According to the BestGuide expert panel, IMG is a functional option for medical-focused coverage, receiving an Expert Score of 3.9/5.0. Experts note that its high medical limits of up to $8,000,000 are excellent, but warn travelers about administrative delays and 30-45 day claim cycles.
Is IMG worth it in 2026?
IMG is worth it if you require specialized international medical coverage or high-limit emergency evacuation benefits and can tolerate slow reimbursement times. If you prioritize fast claim turnarounds or seamless customer service, you will find better value with higher-rated competitors.
How does IMG compare to other travel insurance companies?
In our comparative analysis, IMG scores below the industry average of 4.1 due to its 65% customer satisfaction score. While its plan features match competitors, its claim processing timeline of 30-45 days is slower than the 15-day average maintained by premium travel insurers.
What is Cancel For Any Reason coverage with IMG?
Cancel For Any Reason coverage is an optional upgrade that reimburses up to 75% of your non-refundable trip costs. You must purchase this benefit within 20 days of your initial trip deposit and cancel your plans at least 2 days prior to your scheduled departure.
Does IMG cover pre-existing medical conditions?
Yes, IMG plans can cover pre-existing conditions, but only if you purchase your policy within a specific time-sensitive window, which is usually 20 days from your initial trip deposit. If you buy the policy outside this window, any medical issue treated within the last 60 days will be excluded from coverage.
Are IMG plans underwritten by financially secure carriers?
Yes, IMG plans are underwritten by SiriusPoint America Insurance Company and United States Fire Insurance Company. Both of these insurance carriers hold a financial strength rating of A- (Excellent) or better from A.M. Best, ensuring they have the capital to pay out large claims.
What customers say about IMG
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Quick, simple online purchase
- Clear plan comparisons when buying
- Lower prices than cruise line or tour operator insurance, according to some reviewers
- Claims paid fairly for some travelers
Common complaints
- Slow claim decisions and unclear document requirements
- Repeated requests for documents already sent
- Hard-to-use claims portal and account tools
- Benefits such as telehealth or add-on limits that worked differently than expected
IMG complaints and how to avoid claim problems
The buying experience draws the most praise. Complaints, on Squaremouth and Trustpilot, mostly involve claims: slow decisions, unclear lists of required documents, requests for papers already sent, and a claims portal some found hard to use. A few buyers said benefits such as telehealth or add-on limits didn’t work the way the summary suggested.
- Read the full plan document for your state, not just the benefits summary.
- Call the assistance number before non-emergency treatment abroad when the plan asks you to.
- Get itemized bills, medical records and proof of payment at the time of treatment.
- Submit everything at once, keep copies, and note the date and name for every call.
Pre-existing conditions and other exclusions
IMG’s plans include an exclusion for pre-existing medical conditions, and the details differ by plan and state. If you have an ongoing condition, ask IMG in writing how your plan treats it before you buy. Benefits are paid at usual, reasonable and customary rates, and limits for New York and Washington residents may differ.
Where to complain about a denied claim
Start with IMG’s internal appeal and ask for the denial reason in writing, citing the policy section. If that fails, you can file a complaint with your state’s insurance department, which regulates the underwriter named on your policy. The National Association of Insurance Commissioners lists every state department on its website.
Alternatives to IMG
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Blue Cross Blue Shield Global SolutionsMedical-only travel plans with the highest Squaremouth score among the providers we compared.
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Covers adventure activities and trip cancellation in one plan; IMG completed its purchase on October 1, 2026.
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Compare IMG plans side by side with other insurers before you buy.
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Check your health plan and card benefits
Some health plans and credit cards include limited coverage abroad; Original Medicare generally doesn't cover care outside the U.S.
Next steps
IMG reviews
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Sources (15)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- IMG: Travel medical insurance plans (accessed October 12, 2026)
- IMG: Travel insurance (iTravelInsured plans) (accessed October 12, 2026)
- IMG: Patriot Platinum plan page (underwriter disclosures) (accessed October 12, 2026)
- IMG: Our story (accessed October 12, 2026)
- Kirkland & Ellis: Kirkland advises SiriusPoint on IMG's acquisition of World Nomads (February 13, 2026) (accessed October 12, 2026)
- Finviz: SiriusPoint announces expansion of IMG services following acquisition of Assist America (accessed October 12, 2026)
- BBB: International Medical Group, Inc. business profile (accessed October 12, 2026)
- Trustpilot: IMG reviews (accessed October 12, 2026)
- Squaremouth: IMG reviews (accessed October 12, 2026)
- Apple App Store: IMG Mobile (accessed October 12, 2026)
- World Nomads: U.S. travel insurance plans (accessed October 12, 2026)
- NAIC: Insurance department directory (accessed October 12, 2026)
- Seven Corners: Trip Protection Basic and Choice (accessed October 13, 2026)
- PR Newswire via VIR: IMG completes acquisition of World Nomads (October 1, 2026) (accessed October 13, 2026)
- BBB: World Nomads, Inc. profile (accessed October 13, 2026)
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