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

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.


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.

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Medical & Travel

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

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

You’ll have experts to guide you through 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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