Travel Insurance Reviews for International Medical Group

We insured a long-anticipated tour of Turkey and had to cancel our trip because I needed an unexpected coronary bypass. We have been sending documentation and asking what else they needed for 3 months and have never gotten any explanation why we have NEVER received reimbursement. Looks like they just hope we will give up and go away. Fortunately, our non-refundable flight was insured with the booking agent and they paid right away. This was more expensive, but apparently a better option!

The plan was expensive! We did file a claim for medical expenses while out of the country. The response was slow, and not very organized. They waited nearly a month to ask for more documentation! Once they received the additional documentation, they did pay the claim.

Coverage was fine and online enrollment in the plan went well, but it took 3+ months for IMG to handle a medical claim for reimbursement of shipboard medical expenses because IMG did not accept the cruise line's on-board account statement as sufficient proof that the medical expenses had been incurred, and there was a multi-month delay in the cruise line crediting the on-board account balance to my credit card. I suppose the moral here is avoid ending a cruise with a credit balance in the on-board account, but IMG could have done considerably better.

My only complaint is the insurer dragged its feet in paying the claim. There was a perfectly legitimate claim, properly documented in the first place, but we had to jump through many hoops to get it paid. Worse there was always as long delay after each submission, so that the entire process took almost two months. Most frustrating of all was there was never a person to speak with, so I was always left wondering if I had submitted all that was needed, or whether the company was just waiting to say my time had run out to submit something needed, so they weren't paying.

I have been trying to collect my refund for my claim for over 2 months - all I get are excuses that they are busy with ski season - I would never recommend IMG as an insurance carrier

We had several medical claims for illnesses during our cruise. I submitted the claims two months ago and waited three weeks for International Medical Group to respond, at which time they demanded more documentation. The requested additional documents were identical for all of the claims, so I submitted them all together. After another month-long delay, IMG now has summarily denied one of the claims, referring in an email to an attached letter explaining the reason, but there was no letter attached to the email. IMG's website doesn't list all of our claims, so I don't even know which claim was denied. I still haven't heard about the remaining claims. IMG makes it easy to pay for the policy, but submitting the claims and jumping through the ridiculously bureaucratic claim process has been extraordinarily cumbersome and opaque.

IMG did not pay the majority of the claim even though I had receipts to cover a two day hospital stay. No reason was provided.

I gave the claim handling 3 stars because I didn’t have to use it luckily and I couldn’t leave that metric blank. It was a reasonably priced plan for piece of mind compared with other international plans available.

I did file a sickness claim this trip with a doctor coming to see me in my villa. My claim is being processed as we speak with results unknown now. Once I know if they reimburse me I can speak more knowledgably. For me, not a computer guru, the claim process took me some time. No matter what you may be submitting a claim on, make sure you keep all receipts and paperwork handy.

I would never use IMG Insure my trip again! They are great on the front end and at taking your premium money but horrible on the back end if you file a claim. You can't talk to anyone who actually makes decisions. It took 5 months to receive a final decision and communication was horrible during the entire process. I received multiple emails asking for more information (much of which was completely unrelated to the claim issue) only to be corrected that they actually did have everything. Their "agents" don't provide any help for the customer and have no actual knowledge of the issue or process status.
I filed a claim for reimbursement of a non-refundable airline ticket that I had to cancel because our international connecting flight home from Rome changed from an afternoon departure to a morning departure. That change required me to purchase a new ticket on a different airline, cut our trip a day short in Greece because we had to leave a day earlier in order to make the morning connecting flight home from Rome the following day. The claim was denied for unknown reasons other than references to paragraphs in the contract. Plus, to add to frustration you can't actually talk with anyone to find out exactly why or discuss.
I would recommend Zurich Ins. Their claim process was, simple quick, responsive and paid up for an airline cancellation we encountered during a trip early in 2023.