Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Enterprise Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesWhat type of organization do you represent?
Medical & Travel
Assistance
Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.
Global Workers' Compensation Case Management
Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
Security Assistance
Services
Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.
Insurance Administrative
Services
You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.
Employees working and living internationally need reliable access to high-quality health care, comprehensive benefits, and the kind of personalized service that demonstrates how much their well-being matters to your organization.
With IMG's international employer and business insurance plans, employees get the coverage they need to succeed internationally. Round-the-clock access to emergency medical and travel assistance, easy-to-use online tools, group plan management resources, and multilingual claims specialists are just a few of the ways employees enjoy their travels with an IMG plan.
You have enough to worry about when you're traveling for work. Don't let your medical coverage be an uncertainty. Explore the plans below to learn more about how IMG can provide international employers and business travelers Global Peace of Mind®.
Popular Plans
For Employers & Business Travelers
iTravelInsured Travel Insurance
Insurance that covers trip cancellation, travel delays and other losses incurred while travelling
Highlights
- Insurance that covers trip cancellation, travel delays and other losses incurred while traveling
- Travel insurance program for trips up to 31 days
- Standard Coverage for trip cancellation and interruption
- Emergency medical expense, evacuation, and reunion benefits
- Three product options for varying levels of coverage
Patriot Multi-Trip Travel Medical Insurance
Annual multi-trip insurance plan for individuals, families and groups
Highlights
- Annual multi-trip travel medical insurance for individuals, families and groups
- Deductible of $250
- Maximum limit of $1,000,000
- Coverage for multiple trips up to 30 or 45 days
- Flexibility to travel as many times per year
Summary of Benefits
Maximum Limit | $1,000,000 |
Maximum Limit for travelers age 70-75 | $50,000 |
Deductible | $250 per insured person for each covered illness. This deductible is waived for claims incurred as a result of a covered accident |
Coinsurance |
For treatment received outside the U.S.: 100% For treatment received within the U.S.: In the PPO Network: The plan pays 100% of eligible expenses Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit |
Benefit Period |
If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the thirty day Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than thirty days before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the $5,000 Maximum Limit, proof of current medical insurance and the other terms of the plan, until there have been thirty days of continuous coverage for the covered injury or illness. |
Hospital Room and Board | Up to the Maximum Limit for average semi-private room rate |
Intensive Care | Up to the Maximum Limit |
Medical Expenses | Up to the Maximum Limit |
Out-patient Medical | Up to the Maximum Limit |
Local Ambulance | Up to the Maximum Limit |
Emergency Room Accident | Up to the Maximum Limit |
Hosptial Emergency Room |
|
Dental |
Injury due to an accident: The plan covers the cost of emergency dental treatment and dental surgical procedures necessary to restore or replace sound natural teeth lost or damaged in an accident up to the Maximum Limit. Sudden dental emergency: The plan pays up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. |
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical | The plans cover up to $5,000 maximum, per insured person, per period of coverage (not per trip), for the Sudden and Unexpected Recurrence of a Pre-existing Condition (as defined in the Certificate of Insurance). |
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation | Up to $25,000 is payable for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a Sudden and Unexpected Recurrence of a Pre-existing Condition. |
Hospital Daily Indemnity (for U.S. citizens only) |
Up to $100 per night up to a maximum of 10 days Patriot Multi-Trip International pays $100 directly to the insured person for each night of a required overnight stay in a hospital up to a maximum of 10 days. The hospital stay must be covered under this plan in order to receive this benefit. |
Emergency Evacuation |
Up to the Maximum Limit (not subject to deductible) The Patriot Multi-Trip plan offers coverage for emergency medical evacuation to the nearest qualified medical facility; 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. The plan pays up to the Maximum Limit for covered incidents for insured persons under age 66; and up to $50,000 for covered incidents for insured persons from ages 66 to 75. |
Emergency Reunion |
Up to $50,000 The Patriot Multi-Trip plan also offers emergency reunion coverage, up to $50,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured. |
Interfacility Ambulance Transfer |
Company pays 100%. Not subject to deductible. Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission. |
Return of Mortal Remains |
Up to $50,000 If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $50,000. |
Return of Minor Children |
Up to $50,000 (not subject to deductible) If an insured person is admitted to the hospital in-patient due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot Multi-Trip plan will reimburse up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). |
Political Evacuation |
Up to $10,000 If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company pays up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:
In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country. |
Common Carrier Accidental Death |
$50,000 to Beneficiary; maximum of $250,000 per family If accidental death should occur while traveling on a commercial Common Carrier, $50,000 is payable to the designated beneficiary, up to a maximum of $250,000 per family. |
Sports & Activities Coverage |
Up to the Maximum Limit for basic sports as described below Each Patriot Multi-Trip plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged in by the insured person solely for leisure, recreation, entertainment or fitness purposes. Some of these sports and activities include, but are not limited to, motor cycle/motorscooter riding, recreational downhill and/or cross country snow skiing, horseback riding, sub-aquatic activites (to 10m), wakeboarding, and water skiing. However, activities not covered include amateur or professional sports or other athletic activity which is organized, sponsored and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee, and/or Adventure Sports. Please note this is only a summary of sports and activities and exclusions. For additional information, please refer to the Certificate of Insurance. |
Accidental Death & Dismemberment |
$25,000 principal sum The Patriot Multi-Trip plan offers a $25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the period of coverage: • Accidental Loss of life - principal sum • Accidental Loss of two Members - principal sum • Accidental Loss of one Member - 50% of principal sum. “Member” means hand, foot or eye. |
Terrorism Coverage |
$50,000 lifetime maximum The Patriot Multi-Trip plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims subject to a $50,000 lifetime maximum Terrorism includes criminal acts, including against civilians, committed with the intent to cause death or serious bodily injury, or taking of hostages, with the purpose to provide a state of terror in the general public or in a group of persons or particular persons, intimidate a population, or compel a government of international organization to do or to abstain from doing an act. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person’s date of arrival. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered. This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to heed such warning or depart the country or location. |
Identity Theft Assistance |
Up to $500 per Period of Coverage If an imposter obtains key personal information such as a Social Security or Driver's License number, or other method of identifying an insured person in order impersonate or obtain credit, merchandise or services in the insured person's name, the Patriot Multi-Trip plans provide coverage for up to $500 for the reasonable, customary and necessary costs incurred by the insured for: re-filing a loan or other credit application that is rejected solely as a result of the stolen indentity event; notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and /or rectifying records as a result of the stolen identity event; up to three credit reports obtained within one year of the insured person's knowledge of the stolen identity event; and stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event. The identity theft event must occur during the Period of Coverage. |
Trip Interruption |
Up to $5,000 If, during a covered trip, there is an Unexpected death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, each Patriot Multi-Trip plan pays to return the insured to the area of principal residence. The plan pays for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket. |
Lost Luggage |
Up to $50 per item of luggage; maximum of $250 A benefit of $50 per luggage item, up to a maximum of $250, is payable in the event that the Common Carrier permanently loses an insured person’s checked luggage while in transit. This coverage is secondary to any other available reimbursement, including the Carrier’s. |
Highlights
- Employer-sponsored group health insurance for internationally assigned employees
- Dental, disability and life insurance available
- Full group takeover and replacement provision
- Qualifies as Minimum Essential Coverage (MEC)
- Universal Rx pharmacy discount savings
- Optional telemedicine benefits for physical and mental health
Summary of Benefits
The following benefits are offered to eligible insureds.
The plan charges for eligible medical expenses within the area of coverage.
All amounts are shown in US dollars and subject to applicable deductible and coinsurance.
Calendar Year | Maximum Limit: 365 days |
Lifetime Maximum Per Insured | $50,000 - $8,000,000 |
Extension of Benefits | Maximum Limit beginning on the first day of Total Disability, temporary layoff or leave of absence: 180 days Maximum Limit for a Spouse/or Dependent in the event of the Insured Person’s death: 60 days |
Continuation of Benefits | Maximum Limit after termination of employment: 12 months Refer to the Continuation Provision in this Certificate for complete qualification details |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an Insured Person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain Outpatient
Treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
Benefit Levels | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Deductible | $0 - $25,000 Deductible reduced by 50% or $2,500: PPO, Outpatient Treatment, Emergency Inpatient Treatment, Medical Concierge Provider | |||
Family Deductible | Maximum 3 Deductibles per Family | |||
Coinsurance
| Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% | Plan pays 80% Insured pays 20% | Plan pays 100% Insured pays 0% |
Out of Pocket Maximum | $0 | $0 | $1,000 | $0 |
Precertification |
|
Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Eligible Medical Expenses | 100% | 100% | 80% | 100% |
Physician Visits / Services | 100% | 100% | 80% | 100% |
Hospital Emergency Room
| 100% | 100% | 80% | 100% |
Hospitalization / Room & Board
| 100% | 100% | 80% | 100% |
Intensive Care | 100% | 100% | 80% | 100% |
Outpatient Surgical / Hospital Facility | 100% | 100% | 80% | 100% |
Laboratory | 100% | 100% | 80% | 100% |
Radiology / X-ray | 100% | 100% | 80% | 100% |
Pre-admission Testing | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Anesthesia | 100% | 100% | 80% | 100% |
Pregnancy and Childbirth
| 100% | 100% | 80% | 100% |
Pregnancy Complications
| 100% | 100% | 80% | 100% |
Newborn and Congenital Disorders
| 100% | 100% | 80% | 100% |
Durable Medical Equipment
| 100% | 100% | 80% | 100% |
Chiropractic Care
| Not Applicable | 100% | 100% | 100% |
Physical Therapy
| Not Applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Hospice
| Not Applicable | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Adult
| Not Applicable | 100% | 100% | 100% |
Child
| Not Applicable | 100% | 100% | 100% |
Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International | ||||
Maximum Limit per Calendar Year | $250,000 per person | $250,000 per person | $250,000 per person | $250,000 per person | ||||
| ||||||||
Outpatient or Inpatient Medication
| 100% | 100% | 80% | 100% | ||||
United States Retail Pharmacy
| Universal RX (URX) Prescription Drug Card MUST be utilized for all Outpatient Prescription Drugs in the United States. Retail Pharmacy Copayments: Generic $5Copayments are per 30-day supply Dispensing Maximum per prescription: 90 days | |||||||
Expatriate Prescription Services Program
| Medication delivery to an international address when prescription is not available for purchase internationally.
Copayment is per 30-day supply
|
Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Lifetime Maximum | $20,000 | $20,000 | $20,000 | $20,000 |
Inpatient Mental or Nervous / Substance Abuse
| 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| Not Applicable | 50% | 50% | 50% |
Bereavement Counseling
| Not Applicable | 100% | 100% | 100% |
Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| Not Applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not Applicable | 100% | 100% | 100% |
Emergency Reunion
| Not Applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not Applicable | 100% | 100% | 100% |
Political Evacuation and Repatriation
| Not Applicable | 100% | 100% | 100% |
Return of Mortal Remains
| $20,000 | 100% | 100% | 100% |
Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International | ||||||||||||
Complementary Medical Services
|
| |||||||||||||||
Emergency Dental
| Not Applicable | 100% | 80% | 100% | ||||||||||||
Hospital Indemnity
| Private Hospital
Public Hospital (state, government or charitable Hospital)
Treatment received by the Insured Person at a Public Hospital and no Charges are incurred by the Insured Person or the Company will be subject to the Public Hospital Maximum Limit. Treatment received by the Insured Person at a Public Hospital and Charges are submitted to the Company for reimbursement will be subject to the Private Hospital Maximum Limit. | |||||||||||||||
Supplemental Accident
| Not Applicable | 100% | 100% | 100% | ||||||||||||
Vision Care
|
|
Dental Benefits
Calendar Year Maximum Limit | $1,000 - $1,500 |
Lifetime Orthodontia Maximum Limit | $1,000 - $1,500 |
Deductible
| $50 |
Family Deductible
| $150 |
Benefit | Coinsurance |
Diagnostic and Preventative Services
| Plan Pays 100% Insured Pays 0% |
Emergency Palliative Treatment | Plan Pays 100% Insured Pays 0% |
Benefit | Coinsurance |
Minor Restorative Services
| Plan Pays 80% Insured Pays 20% |
Oral Surgery | Plan Pays 80% Insured Pays 20% |
Endodontics | Plan Pays 80% Insured Pays 20% |
Periodontics
| Plan Pays 80% Insured Pays 20% |
Radiographs
| Plan Pays 80% Insured Pays 20% |
Benefit | Coinsurance |
Major Restorative Services
| Plan Pays 50% Insured Pays 50% |
Prosthodontics
| Plan Pays 50% Insured Pays 50% |
Benefit | Coinsurance |
Orthodontia
| Plan Pays 50% Insured Pays 50% |
Remote Mental Health Service | Optional telemedicine for mental health that offers support with financial, physical, and emotional wellbeing. Whether you have questions about handling stress at work or home, parenting and childcare, managing money or health issues, you can turn to this valuable and confidential service that you can trust. |
Teleconsultation** | Optional online and telephonic access to a network of medical professionals available to diagnose treat and prescribe for non-emergency medical issues. The best medicine brought to you and your family 24 hours a day, seven days a week. |
**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised, or identified during such consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised, or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.
Additional Plans
For Employers & Business Travelers
Patriot Exchange Program
Medical insurance for students, families, and groups while studying abroad.
Mission & Social Good Insurance
International medical plans tailored to meet the needs of mission sending organizations, churches and missionaries.
Marine Captain & Crew Insurance
Comprehensive and portable medical insurance plans designed specifically for professional marine captains and crew.
Patriot Lite Travel Medical Insurance
Temporary health insurance for individuals, families, and groups when traveling outside of your home country.
Patriot Platinum Travel Medical Insurance
Temporary first-class health insurance for individuals, families and groups when traveling outside of your home country.
Frequently Asked Questions
With an international health plan from IMG, you have medical coverage worldwide. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area.
To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your plan. Additional terms apply. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional cost and terms apply. Not available in NY.**
It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.
To qualify as an “expatriate health plan,” substantially all of the primary enrollees must be “qualified expatriates.” A “qualified expatriate” is a primary insured meeting all of the following:
Qualified Expatriates in the U.S.:
The individual’s skills, qualification, job duties, or expertise is of a type that has caused the employer to assign him to the U.S. for a specific temporary purpose or assignment tied to employment; and
In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country);
Qualified Expatriates Outside of the U.S.:
The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. For purposes of the definition, “U.S.” includes the 50 states, D.C., and Puerto Rico.
There are also special provisions for members 501(c)(3) and 501(c)(4) organizations who are traveling or relocating internationally for the organization, including students and religious missionaries.
Expatriate Health Plans are Minimum Essential Coverage
Expatriate health plans qualify as minimum essential coverage. This means that an expatriate health plan will satisfy the employer mandate and the enrollee’s individual mandate.
Employers are Still Subject to §6055/§6056 Reporting and Cadillac Tax on Certain Expatriates
The exemption from ACA requirements does not apply for the new health information reporting requirements for the beginning of 2016.
However, the information statements (primarily the Forms 1094-C and 1095-C for employers) may be provided electronically to individuals covered under an expatriate health plan even if the individual has not consented to electronic distribution (as long as the individual has not explicitly refused electronic distribution).
Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S.
Effective Date
These provisions related to expatriate health plans apply to expatriate health plans issued or renewed on or after July 1, 2015.
Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.
If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.
Disclaimer
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
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