Travel Insurance Reviews for International Medical Group

We had to cancel our trip because our daughter developed a serious illness. The claims process was a nightmare from filing to payment- four months later. It was as if this company has a list of "tricks" that it utilizes to put roadblocks in front of anyone who files a claim. Dropped service rep calls, inconsistent claims information by different reps, claims applications that were "too large" to email, a document uploading software that repeatedly failed. The company required reams of medical and payment documentation and then claimed that the the document file I submitted was "too large for their system. I could go on but I'm sure you get the picture. IMG 's business model is to repeatedly frustrate claimants until many of them give up. I might have too if I hadn't contacted Insure My Trip's customer advocate team. Matthew contacted IMG on my behalf and helped me eventually receive payment. I was one of the lucky ones. Spare yourself hours of misery and do not buy a policy from this company.

We paid for Cancel for Any Reason coverage for a trip in early September to Scotland and Ireland that included our small group tour of Ireland and our nonrefundable airfare between Scotland and Ireland. When the Royal Tattoo was canceled due to Covid, we cancelled the airfare we paid for with American miles to allow other American customers access to those seats, but these airfares weren't part of our coverage. We hoped to still be able to fly to Ireland and do the tour. When we were within two to 3 weeks of our trip and Ireland still required a 2 week self quarantine because of Covid, we tried to cancel our small group tour. The tour company refused to give us a refund, but thankfully Viator did. In the end, we only filed a claim for the $200 Ryanair airfare from Scotland to Ireland which was nonrefundable. The claims department refused our claim despite our Cancel for Any Reason coverage because they said we were required to file the entire claim within 20 days of cancelling our airfare to and from Scotland/Ireland. I explained that we used miles for that and cancelled the initial flights hoping to rebook a flight to and from Ireland with miles if Ireland didn't have a quarantine at the time of our tour. They didn't care. We have bought insurance from them 3 times in the past 2 years. I asked them how it was good business to refuse a $150 claim that was the result of Covid uncertainty and lose a good customer. Again, they didn't care. We will never buy an iTravel policy again from IMG.