According to AARP, 52% of seniors aged 50+ rank travel as their number one priority for discretionary income. If you’ve got travel on your mind too, then this IMG Travel Insurance Review is for you. We’ll answer all your burning questions about this travel insurance company, including “How much does IMG Travel Insurance cost?” and “What does IMG Travel Insurance cover?”
IMG Travel Insurance Pros and Cons
In the interest of full transparency, we include the pros and cons of each travel insurance company we review, allowing you to make a fully informed decision. While IMG offers the most customization of all the plans we’ve reviewed in our overview of the best travel insurance companies, their plans are also unique in that they require deductibles and mandate age limits on some plans.
Pros
- Highly customizable
- Many plans available
- Senior-specific plan options
- 24/7 live customer service
- Cruise plan options
- Concierge & Identity Theft Add-ons
Cons
- Some plans have age limits
- Travel assistance only with add-on
- Deductibles
IMG Travel Insurance Features and Benefits
IMG Travel Insurance is the only company we’ve reviewed that offers plans specifically for senior travelers. That's just one reason it makes our list of the best travel insurance providers of the year. These plans provide health coverage above and beyond what some others offer. Furthermore, with standard options re-structured as add-ons, you can pick and choose the coverage needs that are most important to you and keep your insurance cost within your budget.
Highly customizable
Many plans available
Senior-specific plan options
Travel Delay and Interruption coverage
Missed connection coverage
Cancel-Any-Reason add-on available
24/7 live customer service
Concierge services add-on
Identity theft restoration add-on
Cruise insurance plan options
Related Article: Why Is Travel Insurance Important?
IMG Travel Insurance Editorial Rating
Trusted Company Reviews Rating Score for IMG Travel Insurance: 7.9/10
IMG Travel Insurance earned its place on our list of the best because of its customizable plans. With options to purchase plans that provide medical or travel insurance alone and options to add on various features, you can build a plan that fits perfectly within your budget. While we love IMG's customizable options, building your plan takes a little more time and effort than with other companies. Furthermore, some of their plans have age limits and other restrictions, so read carefully as you choose your options.
IMG Travel Insurance | |
Most Customizable Travel Insurance Seniors | |
Policy Cost | $$-$$$ |
Medical Coverage | Yes |
Telemedicine | Yes |
Pre-Existing Conditions | Yes |
Age Restrictions | Yes |
Specialized Plans for Seniors | Yes |
Trip Cancellation | Yes |
Trip Delay | Add-on |
Trip Interruption | Add-on |
Trip Inconvenience | Add-on |
Missed Connections | Add-on |
Baggage Loss/Delay | Add-on |
Concierge Services | Add-on |
Identity Theft Protection | Add-on |
Customer Reviews | 4.6/5 |
TCR Score | 7.9/10 |
About IMG Travel Insurance
IMG Travel Insurance is customizable but can be pricey. When purchasing travel insurance, keep in mind that trips to domestic locations, shorter or less expensive vacations, and plans that provide less coverage will be more affordable. For instance, if you’re traveling within the United States for a few days and your trip costs are under $5,000, you’ll find much more reasonable rates than with a $20,000 international trip.
Unfortunately, seniors will also be charged higher rates based on their age. This is standard across many insurance policies that provide medical coverage. This is due in part to seniors being more likely to file a medical claim and Medicare’s policy that does not provide international coverage.
If you have private medical insurance, inquire about international coverage before your tip. If they will cover your needs, you can select a travel insurance plan with less medical coverage.
Plans and Coverages
IMG Travel Insurance offers the most options of any other travel insurance company we have reviewed. We’ll highlight the features of 3 options here.
IMG Travel Insurance Coverage | |||
Sample Cost (2 senior travelers to Australia for 2 weeks for $20,000) | $548.40 | $3,769.70 | $926.26 |
Coverage Type | GlobeHopper Senior Single-Trip | TravelInsured Choice | Patriot Platinum |
Medical Coverage | Age 65-79: $50,000, $100,000, $500,000, $1,000,000 Age 80+: $100,000 | X | Choose from various limits: $2,000,000, $5,000,000, $8,000,000 |
Medical Deductible | Choose from: $0, $100, $250, $500, $1,000, $2,500 | X | Choose from: $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000 |
Non-Emergency Medical Evacuation | Up to $25,000 | X | X |
Pre-Existing Medical Condition | Up to $2,500 | X | X |
24-Hour Emergency Travel Assistance | X | Yes | X |
Telehealth | X | X | Yes |
Repatriation | Up to $50,000 | Up to $500,000 | Up to $100,000 |
Natural Disaster Support | Up to $5,000 | X | Up to $250/day |
Terrorism Support | Up to $50,000 | X | Up to $50,000 |
Emergency Medical Evacuation | Up to $250,000 | X | Yes |
Identity Theft | Up to $500 | X | Up to $500 |
Trip Interruption | Up to $5,000 | Up to 150% of Trip | X |
Accidental Death & Dismemberment | Up to $25,000 | Up to $10,000 | Up to $50,000 |
Trip Cancellation | X | Up to 100% of Trip | X |
Travel Delay | X | Up to $150/day | X |
Missed Connection | X | Up to $500 | X |
Lost Luggage | Up to $250 | Up to $1,000 | Up to $500 |
Cost
When shopping for a plan with IMG Travel Insurance, you’ll find that you have options to add or remove various services, and adjust policy maximums and deductibles to customize your cost. Additionally, some plans are focused more on medical coverage, while others are more travel-focused. They also have options for:
Mission Insurance
Student Insurance
Visitor Insurance
Expat Insurance
International Health Insurance
When you purchase your Travel Insurance policy, you’ll also have the option to add-on coverage for:
Trip Cancellation
Flight Insurance
Cruise Insurance
Cancel-Any-Reason
Pet Travel Insurance
Furthermore, while some insurance companies offer these services as part of their package, you’ll need to pay an additional fee if you’d like to have Travel Services included in your policy. Ranging from a couple hundred dollars into the thousands, the addition can include services such as:
Emergency evacuation
Injury rescue
Hospital Transport
Medical and security advisory services
24/7/365 Travel assistance
Destination reports & alerts
Removal of activity exclusions
IMG Travel Insurance Customer Reviews
IMG Travel Insurance has a Trust Pilot score of 4.6/5 stars, with 78% of consumers giving it a full 5-star rating. Many consumers praised the user-friendly nature of the company website and the long list of available coverage options.
Some customers did express frustrations related to the length of the reimbursement process and some surprising exclusions.
IMG Travel Insurance Alternatives
Our IMG Travel Insurance review showcases a top pick in our best travel insurance category. However, everybody's travel and protection needs are different. Our number one contender, Faye Travel Insurance, and others also offer excellent benefits and are well worth considering. Check out these other travel insurance reviews.
Additionally, consider checking out our best personal loan providers to help fund your adventures.
Frequently Asked Questions
Source
Logo image source: imglobal.com
About Author
Tammy McKinney, RN
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.