DO I NEED INTERNATIONAL HEALTH 
OR TRAVEL MEDICAL INSURANCE?

To determine whether travel insurance is right for you, UStiA suggests that travelers ask themselves the following questions: How much can you afford to lose if you have to forfeit all or part of your vacation because of illness, natural disasters, and other concerns? What happens if you become ill or injured while traveling? And will your airline, cruise or tour company refund your money if a sudden illness forces you to cancel at the last minute? 

With its comprehensive benefits, travel insurance is an investment that offers travelers peace of mind and protection when things go wrong.

Get Help with a Medical Emergency Abroad

Check Your Health Insurance – Are You Covered Abroad?

Before you go abroad, learn what medical services your health insurance will cover overseas. If your health insurance policy provides coverage outside the United States, REMEMBER to carry both your insurance policy identity card as proof of such insurance and a claim form. Although many health insurance companies will pay "customary and reasonable" hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition.
What about Medicare?
You are NOT covered by Medicare abroad. The Social Security Medicare program does not provide coverage for hospital or medical costs outside of the United States. Senior citizens may wish to contact the American Association of Retired Persons (AARP) or a travel agent for information about foreign medical care coverage with private Medicare supplement plans.



Travel safer. Travel smarter. Travel with IMG. 

When you’re planning an international trip, your to-do list may seem endless. However, one of the most important things you could take with you is often overlooked: international medical insurance.

That’s where we come in. At International Medical Group® (IMG®), it’s our mission to provide a foundation of security, health and well-being while you’re away from home. That means helping you travel safer and smarter.
Let’s face it: Accidents and emergencies happen — and when they do, you wouldn’t want to be hundreds or thousands of miles away from home without the proper coverage.

Through IMG, you can choose from a variety of international medical insurance plans to meet your needs and budget.

Many travelers mistakenly believe that their health insurance plan or the U.S. government will provide assistance in the event of a medical emergency. This can be a very expensive mistake, as these organizations may only provide the most basic medical referrals, and they may not pay for the expenses associated with a medical emergency, which can easily approach $100,000 for a serious medical problem.

In fact, the U.S. State Department’s web site flatly states, “payment of hospital and other expenses is the patient’s responsibility.” Only travel insurance provides a comprehensive solution for handling travel medical emergencies.

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