International Health Insurance

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International Health Insurance provides long-term coverage to people living or working outside of their home country, typically for one year or longer. These plans are ideal for expats and their families, individuals with dual residences, multinational employers, and more. Being a global citizen can be an exciting experience, yet one that can pose many potential risks. Your health care abroad should not be one of those concerns. IMG offers revolutionary programs that provide the flexible worldwide coverage you need, backed by the world-class services you expect.

IMG's flagship international medical insurance plan, Global Medical Insurance, allows you to custom build a plan that is specifically tailored to you. The program provides benefits suitable for individuals and families, provides fully portable 24 hour coverage, and gives you the global piece of mind you are seeking. Additionally, the plan was designed to provide long-term, worldwide medical cover that allows you to receive and continue treatment wherever you choose.

Popular Plans
Ideal for Expats & Global Citizens

Recommended
Global Medical Insurance

Global Medical Insurance

Annually renewable worldwide medical insurance program for individuals and families

Highlights

  • Long-term (1+ year) worldwide medical insurance for individuals and families
  • Annually renewable medical coverage
  • Deductible options from $100 to $25,000
  • Maximum limit options from $1,000,000 to $8,000,000
Plan Details View Brochure
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Trip Protection
Medical Benefits

Group International Health Insurance Programs

The Global Employer's Option - GEO Group

The Global Employer's Option - GEO Group

Employer-sponsored group health insurance for internationally assigned employees.

International Marine Medical Insurance

International Marine Medical Insurance

Long-term (1+ year) medical coverage for professional marine crew.

MP+ International

MP+ International

Worldwide employer-sponsored group health insurance for mission groups.

 

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Recent Blog Articles

Best Free Apps For Travel

Aug 19, 2020, 09:57 AM by Kate Ruddell

In today’s technology-driven world, there is an app for everything. Many travel apps boast promises of finding the best deals, but which apps actually add value to your adventure? We’ve compiled our best apps for saving money, eliminating headaches, and planning your trip.

Best Free Apps for Travel Deals

Hopper

Hopper is a price watching app that helps you find the lowest hotel and airline prices. You can set up multiple alerts for different times and destinations throughout the year, so you can start tracking prices and planning your trips as soon as they come to mind. Then, the app will send you an alert when a price drops or when a price is predicted to increase. Hopper is a great app to have, especially if your travel dates are flexible in the future.

LoungeBuddy

There’s a good chance you may have access to an airport lounge and not even know it! The LoungeBuddy app takes the guessing out of the game. When you open the app, it will prompt you to enter your airline frequent flier numbers in addition to your credit cards. Then, the app does the work for you by checking all possible options for access into airport lounges. Many people don’t know that credit cards often offer airport lounge access as one of their perks. If you don’t qualify for complimentary access, you can also purchase a day pass through the app. Additionally, the app claims that they offer better all-inclusive pricing than purchasing the amenities individually at the terminal. Lounges have come a long way since inception with a wide array of amenities from inclusive premium food and beverage options to shower access to freshen up.

Hotwire

Maybe you want to stay at a cool boutique hotel, or maybe you’re just a sucker for a good deal. Depending on what you are looking for in terms of accommodations, Hotwire will typically give you a “your booking will be 1 of the 3 hotels listed below” or a “the last person to book got The Hilton!” notification after you submit your trip information. Through these special price deals, hotels are sold for up to 60% off the company-set rates. I previously worked for a major hotel chain and can confirm that the best deals always came in from Hotwire or other similar websites. Personally, I like Hotwire because you can pay an additional fee to select your room type. The Hotwire app is very helpful for those traveling with families as other websites do not offer this service.

Best Free Apps for International Travel

Kurrency

Kurrency is an app for converting currency. Kurrency can help you track your spending while converting currencies. You select your home currency and then add the currencies you will be exchanging to. Kurrency is helpful in any money exchanging situation from bartering to shopping. Kurrency can help you avoid overspending because you didn’t understand how much a product or service would cost you back home. Instead, take a breath, use the app, and proceed to shop wisely.

Maps.Me

MAPS.ME is an app that allows you to download maps to use offline. The app works without using data or WiFi. If you are traveling and don’t want to purchase a pricey international phone data plan, this is a great alternative to getting around without a paper map. Bonus tip: If you are a hiker, MAPS.ME offers a topographic view so that you have a better chance of not getting lost in the mountains.

Google Translate

Google Translate offers language packs that you can download to your phone and use offline. Locals always appreciate when you attempt to speak the language, but sometimes you need some help from technology. In the app’s conversation mode, you can speak into the microphone along with the person you are trying to converse with and the conversation is conveniently translated for you to break through the language barrier. Extra tip: this app is also very helpful when you need to translate a menu.

Trip Advisor

Different countries have different rating websites, but Trip Advisor is one of the best. Yelp is huge in the United States for restaurant and business ratings, and Open Rice is a excellent resource if you’re traveling in Asia. Trip Advisor, though, is worldwide and easy to use. It provides reviews on hotels, businesses, tour operators, restaurants and more.

Best Free Apps For Making Travel Easier

Tripit

This app is truly a blessing, especially for the ultimate planner in your travel group. Tripit combines all of your reservations from accommodations to dining, flights, and conferences. Once you’ve set up an account, all you have to do is forward over your email confirmations to a tripit.com email address that syncs with your account. It automatically creates a schedule for your entire trip with the important information you need, all in one place. Share your itinerary with your group to keep everyone on the same page.

Mobile Passport

Mobile Passport continues to fly under the radar in terms of popularity, but if you are a United States citizen returning to the United States – download this app immediately. The app helps you save time and pass the line for customs. To use the app, all you have to do is fill out the customs declaration form, take a photo, and enter your passport number. Major international airports (like Chicago’s O’Hare and Miami’s International Airport) often have separate lines for Mobile Passport users. Once you get off your airplane or cruise ship, you won’t need to stop at the mobile stands to fill out another form.

Splitwise

Have a group trip coming up? Get everyone on board with Splitwise. Splitwise is a user-friendly app that automatically splits the bill for you. Take a photo of the bill and add the people responsible for paying. You can select what each person ordered and add it to their tab. It takes the hassle out of splitting a bill five ways at a restaurant and can be linked to contactless money apps like Venmo. It’s also an easy way to keep track of your group’s spending throughout the trip.


Apps can make a trip go even more smoothly, and so can travel medical insurance. Make sure to purchase an IMG travel medical insurance or travel protection plan before you depart for your trip. Depending on which plan you select, our plans can protect your trip investment for any delays, cancellations, lost luggage, as well as your medical costs from unexpected accidents or illnesses. Get a quote and compare plans here.

Frequently Asked Questions

Where can I seek medical help?

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.

What is the definition of a "Qualified Expatriate"?

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.

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

How long does it take to process my application and receive my ID card and other documents?

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. 

I am a U.S. Citizen. Am I eligible for your Global Medical Insurance (GMI) plan?

You are eligible for our Global Medical insurance plan if you reside outside of the U.S. or have a good faith intent to reside outside of the U.S. for six months or more in a calendar year. Please note that IMG’s Global Medical Insurance Plan does not meet the definition of “minimum essential coverage” under PPACA. GMI is not intended to provide U.S. citizens residing in the U.S. with health insurance. While your GMI plan for worldwide coverage will not be affected by PPACA, you should review the information below to see if you are exempt from the requirements of PPACA or not, and whether you will have to pay a tax penalty or not. Under PPACA, all U.S. citizens, nationals and resident aliens will be required to purchase minimum essential coverage (PPACA compliant coverage), unless they are exempt. Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. The exemption applies to a U.S. citizen who has a tax home (main place of work or employment, or if you don’t have a main place of work or employment, your main residence) in a foreign country, and is a bona fide resident of a foreign country. See details under the IRS foreign earned income exclusion test. If a person was required to purchase minimum essential coverage and did not, she/he would be required to pay a tax penalty for not purchasing PPACA coverage (if she/he files a U.S. tax return). In many cases, this tax is far less than the premiums that a person would pay for obtaining PPACA coverage.

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.