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IMG Travel Insurance Review 2025

Home » Brands » IMG Travel Insurance Review 2025
7.9

Table of Contents

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

Does travel insurance cover non-refundable deposits for seniors?

How can seniors compare travel insurance plans effectively?

Can seniors with mobility aids or disabilities get travel insurance coverage?

Source

Logo image source: imglobal.com

About Author

Dr. Ali
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare 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-related topics.
Dr. Ali

Tammy McKinney

Last Updated: February 13, 2025

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