PTOgo Travel Medical Insurance

Voluntary travel medical insurance for employers and employees

A proprietary survey conducted between IMG and Customer Benefits Analytics highlights a startling gap in the insurance marketplace: most of the 80 million Americans that travel internationally each year expect their employer-provided health insurance to cover them abroad. The truth is that many group plans don't provide international coverage, which is leaving employees dissatisfied and at risk of unexpected illness or injury when they travel.

With PTOgo, IMG’s supplemental travel medical insurance offering for businesses and employees, employers can close the coverage gap by offering employer-paid or voluntary benefits that are easy for companies to administer, simple for members to navigate, and that are cost-effective for both.

For more information or to request a quote, please fill out the contact form.


  • $1 million medical coverage per trip
  • 24/7/365 global assistance hotline
  • Medical, security, and natural disaster assistance and evacuation
  • Customizable number of days of international travel medical insurance for employees, their spouses, and their children to take leisure trips abroad

Made for...

  • Employers / Business Travelers
  • Vacations / Holidays

Coverage Information

What is PTOgo?

PTOgo includes a customizable number of days of international travel medical insurance for employees, their spouses, and their children to take leisure trips abroad. Travelers with PTOgo will have up to $1 million in coverage per trip, with no deductibles or copays. PTOgo also includes access to a 24/7 global assistance hotline that offers a wide range of assistance services like emergency medical transport, replacement of lost prescription medications, lost luggage assistance, and more.

Why PTOgo?

Domestic health insurance typically only covers emergency expenses or provides no coverage outside one’s home country. Even if a domestic plan provides coverage for emergencies internationally, travelers are often required to pay out of pocket and then submit for reimbursement upon return. Submitting for reimbursement frequently requires translation of claims documents and currency conversion, but with employee-friendly services like medical guarantee of payments (GOPs) and international access to IMG’s medical staff, PTOgo provides coverage beyond borders and streamlines the employee-patient experience.

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.


Looking for a Provider?

Search our database for medical, dental, and other care providers.

  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.