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(877) 340 7910
A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
Acute onset of pre-existing condition coverage
Church groups traveling abroad on short-term outreach
For treatment received outside the U.S: IMG pays 100%
For treatment received within the US:
In the PPO Network: IMG pays 100%.
Outside the PPO Network: IMG pays 90% up to $5,000, then 100%.
International Medical Group (IMG) has been offering travel insurance products since 1990.Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
| Hospital room and board? | Average semi-private room rate, including nursing services |
| Surgery? | Up to the maximum limit |
| Intensive care unit? | Up to the overall maximum limit. |
| Physician visits? | Up to the maximum limit |
| Hospital indemnity? | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Bedside visit? | $1,500 maximum limit. Not subject to deductible |
| Out-patient Medical? | Up to the maximum limit |
| Medical Expenses | Up to the Maximum Limit |
| Prescription Drugs? | Up to the maximum limit |
| Physician visits? | Up to the overall maximum limit |
| Emergency local ambulance? | Up to the maximum limit |
| Emergency Room Accident? | Up to the Maximum Limit(Charges incurred for the use of the Emergency Room due to an accident are covered up to the Maximum Limit) |
| Emergency Illness - with In-patient Admission | Up to the Maximum Limit |
| Emergency Illness - without In-patient Admission | Up to the Maximum Limit(Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admission to the hospital) |
| Emergency dental treatment? | Injury due to accident: Up to maximum limit. Sudden dental pain: Up to $100. |
| Return of mortal remains or cremation/burial? | Up to $50,000 for Return of Mortal Remains or $5,000 for Cremation or Burial |
| Return of minor children? | Up to $50,000 |
| Emergency medical evacuation? | Up to $500,000 lifetime maximum (independent of the Maximum Limit) |
| Natural disaster? | Up to $100 per day for five days |
| Trip interruption? | $10,000 maximum limit. Not subject to deductible |
| Incidental Home Country Coverage | Up to 14 days |
| Identity theft? | Up to $500 per Period of Coverage |
| Natural disaster? | Up to $100 per day for five days |
| Terrorism? | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental death & dismemberment? | $25,000 principal sum |
| Common carrier accidental death | $50,000 to Beneficiary; maximum of $250,000 per family |
| Personal liability? | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property |
| Sports & Activities Coverage | Up to maximum limit |
| Terrorism Coverage | Up to $50,000 lifetime maximum |
| Incidental Trips to Home Country? | 14 consecutive days maximum limit |
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500
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