IMG Insurance Legit: Coverage, Customer Service, Prons and Cons

In a world where the unexpected can happen at any turn, securing the right insurance is crucial, especially when venturing beyond familiar borders.

IMG Insurance steps up as a beacon for travelers and expatriates, but amidst a sea of providers, the question arises: Is IMG Insurance Legit?

Let’s embark on a journey to unravel the truth behind IMG’s promises and discover if they truly hold the key to a worry-free adventure.

What is IMG Insurance?

IMG Insurance Customer Service

IMG Insurance is committed to providing excellent customer service to its policyholders. They offer various channels for support and assistance:

• Phone Support: You can speak with their customer service team by calling 866-263-0669.
• Email Support: For general inquiries, you can email info@imglobal.com. For specific policy-related questions, such as date changes, adding or removing benefits, or renewals, you can email chs.service@imglobal.com.
• Live Chat: IMG also provides live chat support for immediate assistance with travel medical, international health, and trip insurance needs.

For more detailed information or assistance with your insurance needs, you can visit the IMG official website or contact their customer service directly.

Cost of IMG Travel Insurance

The cost of IMG Travel Insurance varies depending on the plan you choose, the length of your trip, and your age. However, IMG Insurance plans are generally considered to be affordable.

Here is a table of estimated costs for some of IMG Insurance’s most popular plans:

As you can see, the cost of IMG Travel Insurance can range from as little as $1.75 per day to as much as $5.50 per day. The cost of your plan will also depend on the length of your trip. For example, a 10-day trip would cost approximately $32.50 for the Global Medical Insurance plan, while a 30-day trip would cost approximately $97.50.

IMG Insurance Pros and Cons

Pros of IMG insurance include a wide range of coverage options and the ability to purchase policies for both short and long-term needs.

Pros:

• Many trip cancellation or interruption reasons covered: IMG provides coverage for a variety of reasons that might cause you to cancel or interrupt your trip, which can offer peace of mind when planning travel.
• Coverage for rental cars, sports equipment, and more in premium travel plans: For those looking for comprehensive coverage, IMG’s premium plans include additional benefits like rental car and sports equipment coverage.
• Customizable medical coverage: You can tailor your medical coverage to fit your needs, which is a great feature for travelers with specific health concerns or requirements.

Cons:

• Cancel for Any Reason (CFAR) coverage is only an add-on option in one policy type: If you’re looking for the flexibility of CFAR coverage, it’s only available as an add-on with certain IMG policies.
• Some negative reviews about user experience: While many customers are satisfied with IMG, there have been some negative reviews regarding the user experience, particularly with the website performance and issues with trip cancellations not being covered as expected.

IMG Insurance Claims Process

Here are the steps on how to file an IMG Insurance claim:

Step 1 Gather your documents.

Before you start the claims process, you will need to gather the following documents:

• Your IMG Insurance policy number
• Your passport or other form of identification
• A copy of your medical bill
• A copy of your prescription (if applicable)
• A copy of your travel itinerary

Step 2 File your claim.

You can file your claim online, by phone, or by mail.

To file your claim online:

1. Go to the IMG Insurance website and click on the “MyIMG” tab.
2. Sign in to your MyIMG account.
3. Click on the “Claims” tab.
4. Click on the “File a New Claim” button.
5. Enter your policy number and other required information.
6. Upload your documents.
7. Click on the “Submit” button.

To file your claim by phone:

1. Call IMG Insurance customer service at 1-800-621-5373.
2. Provide your policy number and other required information.
3. You will be asked to mail your documents to IMG Insurance.

 By mail:

1. Download and print the IMG Insurance claim form.
2. Fill out the claim form and attach your documents.
3. Mail the claim form and documents to:

IMG Insurance P.O. Box 4805 Lexington, KY 40594-4805

Step 3 Track your claim.

You can track the status of your claim online or by calling IMG Insurance customer service.

IMG Insurance claims processing times

IMG Insurance typically processes claims within 10-15 business days. However, complex claims may take longer to process.

IMG Insurance claims payment

The IMG Insurance will pay your claim by direct deposit to your bank account or by check.

IMG Insurance claims tips

• File your claim as soon as possible.
• Provide complete and accurate information.
• Submit all required documentation.
• Keep copies of all documents.