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.
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.
Highlights
- $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.
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"I took comfort in the fact
that IMG had my back."
Mark K. - United StatesWhile skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.