IMG (International Medical Group)

I strongly recommend avoiding IMG Travel Insurance. It may look cheap upfront, but you quickly realize why: when you actually need support, it feels like you don’t have insurance at all. Their policies are full of fine print, and when you try to make a legitimate claim, they rely on those little “asterisks” to deny or delay everything. In my experience, the moment you need real assistance, you’re left completely on your own. It’s advertised as affordable, but the truth is that it’s “cheap” because it won’t be there when it matters. Save yourself the stress and frustration. Spend a little more and choose a company that actually protects you when you’re in trouble.

I strongly advise against buying insurance from IMG. My father visited me from India and had to go to the emergency room. His claim of around $7,000 has been pending since June 27, 2025. Initially, IMG told us that claims are processed within 30 days after all documents are submitted (we resubmitted everything on August 28, 2025). Later, they changed their timeline to 45 days. After that, they said the claim was “escalated” and would be resolved within 14 days. However, when we followed up after those 14 days, they claimed that “escalation” doesn’t actually mean it will be expedited — and that the claim is still “under review.” This constant shifting of timelines and lack of accountability feels deeply untrustworthy. I would not recommend IMG to anyone based on this experience.

I’m extremely disappointed with IMG Travel Insurance. Their handling of my claim has been slow, disorganized, and unnecessarily stressful. Despite providing complete documentation, I’ve repeatedly been asked for the same materials, and communication has been inconsistent and unhelpful. It feels like they are hoping delays and frustration will make customers give up. I purchased travel insurance for peace of mind, but this experience has been the opposite. I would strongly caution others to think twice before choosing IMG. I wish I had read more reviews about their business practices before purchading a policy with them.

crazy seeing so many 1 star reviews. i can only go off my personal experience, after a bad accident in thailand and needing surgery, IMG made everything alot easier for me, covered the costs of my surgery + 7 day stay in private hospital aswell as follow up care costs. from my experience they were great, efficient which took the pressure off my while in a bad way, and very polite

I purchased a travel insurance policy that included Teladoc telemedicine service, but setting it up was a nightmare. The website repeatedly rejected my application. I called IMG, who directed me to Teladoc, who sent me back to IMG, and so on. No one cared. No one could help. After bouncing between call centers and speaking to multiple representatives, one promised to resolve the issue and call me back. Spoiler: they didn’t. The policy only allows setup on the departure day, so I left without access to the service. If I needed a doctor during my trip, I had no idea who to contact. Avoid this company at all costs!

THE worst insurance company in the whole world. I've never in my whole life, dealt with such a pathetic insurance company. They are the worst of the worst. They've got zero customer support. You can call them, email them, fax them, mail them. THEY will not reply. It's utterly pathetic. I even have no words. The short story. I have a claim with them. It took them 3 months to review it and come to a conclusion. Then they issued a settlement letter and supposedly issued a payment which never arrived. So for the past 2 months I've been constantly emailing them for them to issue the money. 2 months later, they haven't issued a settlement, and every time someone replies via email they say. " WE HAVE ESCALATED THE MATTER TO OUR BOSS" Well... they have been escalating the issue for 2 months to their boss and I still have no settlement in my bank account. This whole situation with them makes them look absolutely pathetic. It's been total 5 months. This company is absolutely unreliable and untrustworthy, stay away from them. HORRIBLEEEEEEEEE.

AVOID***! Filed a claim for reimbursement, didn't hear anything for a month. I then followed up and they said they would escalate the claim since we didn't hear back for a month. Didn't hear back for another month... Called back and they said they would escalate. I told them that they already escalated it!! Finally, after 4 months since submitting the claim, they said it wasn't covered, so we weren't going to be reimbursed. Told them the rep on the phone at the time of booking the procedure stated it was covered, and I confirmed that the type of procedure WAS covered per my policy PDF. I am starting with submitting a complaint to their quality assurance team. What a headache this has been.

Pros: Quickly processed my medical claim. Paid fast. Cons: got lots of conflicting info on how to file a claim and what to do while sick. The deadline to submit kept changing. website says you can upload documents without using their online portal. Not true. You have to use the portal. The company should clarify that a network provider is necessary except in extreme cases and that unless you are hospitalized you must pay upfront. Their network of "English" speaking providers is nonsense. The provider I had to use had zero English speakers. The language barrier caused me prolonged illness.