IMG Global is a well-established provider of international health and travel insurance, offering flexible plans for expats, students, digital nomads, and frequent travelers. With over 30 years of experience, worldwide coverage, and a wide network of providers, IMG is a top choice for those needing affordable, customizable protection across borders.
✅ Pros
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Worldwide Coverage: Plans available for short-term travel, long-term expat living, or global medical coverage, including or excluding the U.S.
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Affordable Premiums: Competitive pricing for both individual and family plans, with multiple deductible and benefit limit options.
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24/7 Global Assistance: Multilingual support and emergency assistance available around the clock.
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Wide Product Range: Includes travel medical, international health, student insurance, and group plans for businesses and missionaries.
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Easy Online Claims & Account Management: Policyholders can file claims, access documents, and track reimbursements via a user-friendly portal.
❌ Cons
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Complex Plan Selection: Many options and variables (deductibles, coverage zones, benefit tiers) can be confusing for first-time users.
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U.S. Coverage Is Expensive: Including the U.S. in your policy significantly raises premiums.
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Pre-Existing Conditions Limitations: Coverage for pre-existing conditions is limited and subject to waiting periods or exclusions depending on the plan.
💰 Pricing
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Travel Medical Insurance: Starts from $1.50/day for basic coverage.
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Global Medical Insurance (Expat Plan): From $100–$400/month depending on age, benefits, and region.
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Student & Missionary Plans: Tailored options available from $30/month.
Premiums vary by age, location, and coverage details. Optional add-ons (dental, maternity, adventure sports) may increase cost.
🏆 Final Verdict
IMG Global is an excellent choice for global citizens who need flexible, affordable international health or travel insurance. Whether you’re a digital nomad, international student, or retiree abroad, IMG’s range of plans and global service network provide peace of mind — though careful plan selection is essential to get the best value.