Travel Medical Insurance

Comprehensive Medical Coverage

Covers physician visits, hospitalization, surgery, intensive care, lab work, X-rays, chemotherapy, physical therapy, chiropractic care, durable medical equipment, and prescription medications — all up to your selected maximum limit. COVID-19 is treated the same as any other illness.

Emergency Medical Evacuation & Reunion

Covers up to $500,000 for emergency transportation to the nearest appropriate medical facility. Includes up to $50,000 for emergency reunion — flying a family member to your bedside when you are hospitalized abroad.

Return of Minor Children & Mortal Remains

If you are hospitalized and unable to care for dependent children, IMG will arrange and cover their return home (up to $50,000). In the event of death, repatriation of remains is covered up to $50,000, or cremation/burial up to $5,000.

Political Evacuation & Repatriation

Provides up to $10,000 for evacuation if political unrest or a security situation forces you to leave your destination.

Trip Interruption

Reimburses up to $5,000 if your trip is interrupted due to a covered reason. Not subject to deductible.

Terrorism & Natural Disaster

Provides up to $50,000 in terrorism coverage and up to $100/day (5-day maximum) for emergency accommodations due to a natural disaster — neither subject to deductible.

Accidental Death & Dismemberment

Provides a $25,000 principal sum for accidental death or dismemberment (death must occur within 90 days of the accident). Common carrier accidental death pays $50,000 per adult or $250,000 per family. Not subject to deductible.

Lost Luggage & Identity Theft Assistance

Reimburses up to $250 ($50 per item) for lost luggage. Identity theft assistance is covered up to $500 and is not subject to the deductible.

Optional Coverage Riders

Customize your coverage with optional riders to match your mission and travel needs:

Adventure Sports Rider

Adds coverage for injuries sustained during extreme sports otherwise excluded from the plan. Lifetime maximum: Ages 0–49: $50,000 | Ages 50–59: $30,000 | Ages 60–64: $15,000.

Telehealth Rider

Access board-certified doctors 24/7 by phone or video for non-emergency medical issues — no office visit required.

Evacuation Plus Rider

Extends evacuation coverage up to $25,000 for sudden, non-life-threatening medical conditions requiring hospitalization. Minimum 3-month purchase required (individual plans only).

Enhanced AD&D Rider

Increases accidental death and dismemberment benefit up to $400,000. Available on individual plans only with a minimum 3-month purchase.

Mobile Device Protection Rider

Covers repair or replacement of your cell phone if lost, stolen, or accidentally damaged during your trip. Individual plans only.

Chaperone/Faculty Leader Replacement Rider

If the designated group chaperone or faculty leader must cancel or interrupt travel due to a covered emergency, this rider covers a round-trip economy airline ticket (up to $3,000) for a replacement leader.

IMG Outreach is specifically designed for individual and group missionaries traveling internationally who need reliable, comprehensive medical coverage while serving abroad.

Best for:

• Individual and group missionaries traveling outside their home country
• Church groups and faith-based mission teams
• Short-term and long-term mission travelers (5 days up to 24 months)
• U.S. residents traveling outside the U.S. (Outreach International)
• Non-U.S. residents traveling outside their home country (Outreach America)

Also a great fit for:

• Students and faculty on service-learning or mission trips
• Travelers to remote or medically underserved regions
• Those who need flexible deductible and maximum limit options to fit their budget
• Groups needing one plan for up to 10 insured persons per application

When the unexpected happens, you're not on your own.

IMG Outreach includes access to 24/7 worldwide travel assistance services — with a multilingual staff of nurses, doctors, and case managers ready to help you navigate urgent and emergency situations anywhere in the world.

Services include:

• 24/7 worldwide emergency assistance — multilingual staff available around the clock
• Emergency medical evacuation coordination and pre-approval
• Emergency reunion arrangements — flying family to your bedside
• Return of minor children coordination
• Political evacuation and repatriation coordination
• Repatriation of remains or cremation/burial arrangements
• Lost passport and travel document assistance
• Provider network access — over 18,550 physicians and facilities internationally via International Provider Access (IPA); over 1 million providers globally
• Direct billing arrangements to minimize upfront out-of-pocket costs
• MyIMG online portal and mobile app — manage claims, find providers, view plan documents 24/7
• Pharmacy discount savings via Universal Rx — access to 35,000+ participating U.S. pharmacies

IMG has served millions of customers worldwide since 1990, with expertise in remote and hazardous locations — so you're never navigating an emergency alone.

We've simplified the most important coverage details for you throughout this page. If you'd like to review the full policy language, you can access the official plan documents below.

📄 Plan Brochure

A quick overview of benefits, coverage highlights, and plan features.

View Brochure 

📋 Certificate of Insurance

The full policy document with complete terms, conditions, and coverage details.

View Certificate 

❓ Coverage Questions? We're always here to help you understand your coverage before you purchase.

Contact Us 

We're here to help if you need it.

Claims are handled directly by your insurance carrier, as they are the ones responsible for reviewing, approving, and paying claims based on your policy. While we don't make claim decisions, our team is here to support you every step of the way - whether that's helping you understand the process, gathering the right documentation, or answering questions along the way. Our goal is to make sure you feel confident in what to do next, without navigating it alone.

Filing a claim is simple and can be done online through the MyIMG member portal or mobile app.

Log in to your MyIMG account and enter your travel and incident details. Have your Certificate of Insurance or ID card available when submitting.

You may be asked to provide documentation such as:

• Medical records or physician statements
• Hospital or pharmacy receipts
• Airline or travel supplier documentation
• Police reports (for lost luggage, theft, or accidents)
• Proof of evacuation or emergency service authorization

These documents help verify your claim and allow for a smoother review process.

After submitting, you'll receive a confirmation. Use the MyIMG portal or mobile app anytime to check your claim status, view Explanations of Benefits, or upload additional documents.

Once your claim is reviewed and approved, reimbursement will be issued based on your policy coverage. In-network providers may bill IMG directly, reducing your upfront costs. Processing times may vary by complexity.

If you have questions, the IMG team is available 24/7 to assist.

Online: MyIMG portal at imglobal.com or the IMG mobile app

Phone: Refer to your Certificate of Insurance or ID card for your dedicated assistance number

You can also contact our team, and we are happy to help guide you through the process.

You have a review period from the date of purchase to confirm this plan is the right fit for your trip and mission.

If the plan does not meet your needs, you may cancel your policy within this review period for a full refund — provided you have not yet departed on your trip and no claim has been filed.