Insurance

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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Travel Medical
Insurance

Temporary coverage for medical expenses & emergency evacuations when traveling outside of your home country.

International Health Insurance

Annually renewable coverage for expats and global citizens living or working internationally for more than one year.

Travel
Insurance

Coverage for trip interruption and cancellation, lost baggage and travel delays.

Enterprise Services

We’re committed to being there for our clients' customers wherever they may be in the world, delivering superior support and assistance in times of need.

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Medical & Travel
Assistance

Services to support travelers in need of medical attention or that have travel assistance needs before, during, and after their trip.

Global Workers' Compensation Case Management

Case management services to manage highly complex workers’ comp cases that require detailed management by medical personnel extending beyond a hospitalization or out-patient procedure.

Security Assistance
Services

Real-time, worldwide security intelligence, advice, and other security services to help travelers avoid danger.

Insurance Administrative
Services

Insurance administrative services to manage all things related to your health care plan needs from enrollment to claim reimbursement.

The Truth About Credit Card Travel Insurance

It may seem like you’re getting a deal by selecting a card that includes benefits “at no additional cost,” but do you really know what's covered? Or not covered?

Jul 21, 2017, 11:17 AM

Many people choose credit cards based on a few key factors: signup incentives, rewards and benefits. However, one of the most common — and most dangerous — misunderstandings about credit card benefits is that they include adequate medical insurance for international travelers. 

This article should help you better understand the difference between credit card travel insurance and other more comprehensive plans, which often provide better coverage at a similar cost. 

Credit Card Travel Insurance vs. International Health Insurance

There are three types of products designed to provide international health insurance benefits: travel insurance, travel medical insurance and long-term international medical insurance. 

Travel Insurance

Designed to protect the financial investment of your short-term trip and provide emergency medical and dental benefits. Along with coverage for baggage and travel delay, missed connections, change fees and more, travel insurance protects against a specific list of trip cancellation and interruption perils. Most plans cover your domestic and international trips.

Travel Medical Insurance

Designed to provide temporary medical coverage while you’re going on a short-term international trip or if you take multiple international trips throughout the year. Travel Medical Insurance is ideal for international vacationers, students studying abroad, relatives visiting from overseas, groups of executives and more. 

Long-Term International Medical Insurance

Designed to provide long-term, continuous global medical insurance for yourself and your family while you’re living or working outside of your country of residence for one year or longer. 

The Myth: “I don’t need to purchase additional coverage, because I have travel insurance through my credit card company.” 

The Truth: Unlike specially designed products offering international health insurance, your credit card’s benefits likely do not provide extensive coverage for your travels. 

Products which include international health benefits purchased from third-party insurance companies such as International Medical Group® (IMG®) provide substantially more coverage than those offered by credit card companies. 

They include emergency medical and dental benefits, as well as coverage for emergency medical evacuations, which most credit card companies do not provide. In fact, many cards do not provide any protection or reimbursement in the event you are injured or sick while on your trip. 

Additionally, most credit card companies will only provide coverage if the entire trip was booked using the credit card. Some credit cards have deductibles and most credit card companies charge an annual fee, often making it the same cost to purchase more comprehensive coverage through a third-party insurance company.

While it may seem like you’re getting a deal by selecting a card that includes benefits “at no additional cost,” make sure you review the policy, terms and conditions as you may be risking your health by traveling without the proper coverage. 

Don’t let your medical coverage be an uncertainty. Travel with one of IMG’s international health insurance plans to receive the benefits and assistance you need while you’re away from home. 

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