IMG GT Group travel insurance

IMG Group Travel protection Insurance coverage for travel arrangement, travel investment, and travel belongings for groups of 10 or more travelers.

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GT health insurance for visitors Plan Summary

  • IMG Travel GT group is specially designed for groups travelling to worldwide.
  • IMG GT insurance for group Travel protection insurance protects your investment in your vacation.
  • It covers trip cancellation and trip interruption.

Plan benefits of IMG GT Group travel insurance, GT health insurance benefits

Coverage Description
Trip Cancellation 100% of insured trip cost
Trip Interruption 125% of insured trip cost per person
Travel Delay Upto $150 per day per person ($600 max per person)
Missed Trip Connection Upto $125 per day ($500 max per person)
Medical Evacuation Upto $100k per person
Repatriation of Remains Upto $100k per person
Baggage and Personal Effects $1.5k ($250 max per item)
Baggage Delay of atleast 24 Hours Upto $200
Accident and Sickness Medical Expenses Upto $25k per person
Dental Expenses Upto $25k per person
Dental Expenses Sublimit $1k per trip

International Medical Group Insurance, Group Travel Coverage - FAQ's

01. Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency.
We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

02. Travel health insurance coverage by GT insurance?

Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel.

The domestic health insurance of the home country invariably provides little or no coverage in a new country. A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

03. What is travel health insurance plan by GT insurance?

A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.

Visitor health insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

04. What does visitors medical insurance cover?

A visitors health insurance plan covers:

  1. Any new sickness or injury that occurs during the trip after the start of the policy.
  2. Accidents or illness occurred during the trip
  3. Medical emergencies and medical evacuation
  4. Cover for hospital treatment, doctor expenses and prescribed drugs
  5. Some plans cover acute onset of pre-existing conditions
  6. Dental emergencies (again offered by some insurance plans)

05. What does the visitor health insurance not cover?

  1. Preventive care like routine health checks, physical examinations, inoculation, vaccination
  2. Regular treatment for pre-existing conditions
  3. Maternity coverage if conception occurs before purchase of visitor health insurance

06. What are the different types of visitor insurance plans?

There are broadly two types of visitors health insurance that a traveler can choose based on their travel requirements.
Fixed benefit travel insurance coverage A fixed benefit insurance plan is a basic plan with lower benefits and lower premiums. These covers offer basic standard medical coverage and stay in case unforeseen medical or travel events occur while traveling away from home country. There are few plans that cover acute onset of pre-existing conditions up to a certain limit.

Comprehensive travel insurance coverage Comprehensive travel insurance offers exhaustive coverage but is more expensive when compared to the fixed benefit plans. Most of the comprehensive plans offer coverage for acute onset of pre-existing conditions. The insured can visit doctors within their PPO network to get cashless services.

IMG Best cruise insurance for US travelers

IMG Trip Cancellation Insurance for Covid Illness

IMG trip cancellation insurance for Covid illness - FAQ's

Will the IMG plans offer protection of loss of trip costs due to a positive COVID test prior to traveling (person may be asymptomatic) since the person is unable to travel? (The policy mentions "sickness" but this may not be a debilitating illness, but it does prevent travel)

01. Does IMG’s Travel Insurance offer “Cancel for Any Reason” Coverage?

IMG does offer the option to upgrade to “cancel for any reason” (CFAR) coverage on some of its travel insurance plans. The “Cancel for any reason” add-on benefit gives the traveler the option to cancel for any reason, even if it is not listed in the plan’s base trip cancellation reasons. For example, one can cancel the trip because there was a work related crisis which would not be covered in the base trip cancellation coverage.Please review the plan to check the rules for CFAR coverage. IMG’s Travel LX travel insurance reimburses 75% of the non-refundable trip costs under the CFAR benefit. The traveler must buy the “cancel for any reason” add-on coverage within 21 days of making the initial trip deposit. To make a CFAR claim one must cancel the trip at least two days prior to the actual departure date.

02. Does IMG’s Trip cancellation travel Insurance include Covid19 coverage?

IMG provides travel insurance includes coverage for Covid19 related trip cancellation and medical expenses. IMG’s Travel SE, Travel Lite and Travel LX Basic trip cancellation insurance plans all include Covid coverage. The IMG trip cancellation plans will cover you and reimburse all the financial loss incurred in prepaid expenses and non-refundable deposits.

03. Does IMG’s Travel Insurance cover Pre-Existing Medical Conditions?

IMG’s travel insurance includes Pre-existing medical condition waivers as an add-on coverage. Travelers should review the policy details to be sure of this coverage specification. Including this pre-existing conditions waiver add-on will mean the pre-existing conditions is not excluded from your travel insurance coverage.

04. Will the IMG plans offer protection should the person test positive during their trip at any time?

COVID-19 is treated the same as any other sickness for purposes of all coverage that are triggered by sickness or that can reimburse losses resulting from a sickness including death caused by sickness. Depending on the Plan Design, this can include but is not necessarily limited to the following (including the sub-benefits of many of these):

  • Trip Cancellation,
  • Trip Interruption,
  • Accident and Sickness Medical Expense;
  • Emergency Medical Evacuation / Medical Repatriation / Return of Remains

05. Will trip delay include coverage for quarantine for COVID (or other illness)?

Regardless of the terms of the Plan, United States Fire Insurance Company has made the administrative decision to allow for coverage to be extended for the entire duration of a COVID-19 related quarantine, and coverage will be extended for five additional days following the end of the quarantine provided the travelers have not arrived back in their return destination city.

If the travelers incur additional hotel or meal expenses solely due to a quarantine, they will not receive any reimbursement under the Trip Interruption coverage either. Trip Interruption coverage may include a provision that provides reimbursement for additional hotel nights and meals (among other expenses) if the travelers cannot continue travel due to a sickness that does not cause them to need to be hospitalized. Please note that the travelers would actually need to be sick, as certified by a Legally Qualified Physician (as defined by your Plan), for this to apply if this provision is in their Plan.

However, when included in a Plan Design, the Travel Delay and Missed Connection coverages may be able to reimburse additional meal and hotel expenses incurred solely due to a quarantine (subject to the terms and conditions of the applicable coverage).

06. When does the insurance coverage start on the IMG trip cancellation insurance plan?

The trip cancellation insurance coverage starts on the day following the purchase of the policy. The trip cancellation insurance plan will cover the traveler for factors such as trip cancellation even before the departure date of the trip.

07. Do these IMG trip plans cover the traveler if infected by Covid?

If the traveler becomes ill with Covid while they are insured, it will be covered like any other sickness. Along with trip costs and any eligible medical expenses, related Quarantine expenses may also be covered if required by the concerned authority.

08. Does IMG cover the Covid vaccination?

IMG plans do not cover COVID vaccination since all preventive care is not covered. However it will cover COVID-19 treatment as any other eligible sickness if the infection happens after the policy is effective.

09. Who is eligible to buy the IMG Plans offered by International Medical Group (IMG)?

All US citizens and US residents are eligible to buy IMG trip cancellation plans. They can buy these trip cancellation plans for travel both within the US as well as outside the country.

10. Can one cancel the IMG trip plan?

Yes, one can cancel the IMG plan if there is no claim on the policy and if the traveler :

  1. Requests for cancellation is made within the 10 day free look period after buying the insurance
  2. Requests for cancellation before the start of the trip

11. What does the trip cost include?

The trip costs will include all non-refundable expenses such as the airline ticket costs, cruise expenses, hotel booking costs .... In the event of an unplanned cancellation of the trip, these expenses which would otherwise be lost will be covered by the IMG trip cancellation plans.

12. Can I renew or extend my IMG trip plan?

No, the IMG plans are not renewable.

13. Do IMG plans cover pre-existing conditions?

The pre-existing conditions coverage varies depending on the IMG plan.

  1. The IMG Lite plan does not cover Pre-existing conditions
  2. The IMG SE plan covers pre-existing conditions if the insurance is bought within 20 days of the initial trip deposit
  3. The IMG LX plan covers pre-existing conditions if the insurance is bought within 24 hours of trip payment.

14. Do IMG plans cover cancel for any reason (CFAR)?

Only the IMG LX plan offer Cancel for any reason (CFAR). The IMG Lite and IMG SE plans provide trip cancellation only for covered reasons.

15. What are the differences between Trip Cancellation and Trip Interruption benefits?

Trip cancellation coverage is available if the entire trip is cancelled even before the start of the trip (this is even before the trip start date). Trip interruption coverage is applicable only after the start of the trip. Trip interruption comes is applicable if the trip is cancelled for a valid covered reason (unless you have the Travel LX plan which covers CFAR), after the start of the trip and here the insured traveler has to return to his/her home country.

16. What are the coverage differences between the different IMG plan options - Lite, SE, and LX?

You compare the coverage differences between the three IMG plans IMG travel insurance Comparision

17. If a traveler contracts COVID after starting the trip and must quarantine, would he/she qualify for both quarantine and interruption benefits?

There isn’t a specific “quarantine” benefit, but benefits could apply under both IMG travel Insurance’s Trip Interruption and Travel Delay benefits. Trip interruption would generally reimburse for the prepaid, unused, nonrefundable elements of the trip that are lost. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well.

18. Do your trip cancellation insurance plans cover the cost of additional accommodation for an individually-ordered quarantine?

There isn’t a specific “accommodation” benefit, but benefits could apply under IMG travel Insurance’s Travel Delay benefit. Travel delay would reimburse up to the per day, per person policy limit (varies between plans) for additional meals, accommodations, and local transportation expenses. A requirement to quarantine is a covered event under each of these benefits. In addition, if medical treatment is sought due to symptoms, the medical expense benefit would apply as well. Benefits would apply to an insured traveler OR a travel companion.

19. If a traveler needs to further quarantine after completing the required isolation for COVID-19? Will the travel insurance cover it?

If the traveler is required to quarantine as per the terms of coverage, benefits would be extended for up to 5 days after the period of quarantine ends (per the guidelines provided by our underwriter).

20. If a traveler needs to quarantine while waiting for a COVID-19 screening test result, will the travel insurance cover it?

The policy defines quarantine as follows: Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

21. My credit card has travel benefits on it already, so why should I buy a trip cancellation insurance plan?

There are some very advantageous credit cards out there to help travelers, particularly with money exchange fees when making purchases abroad. However, you should look over your benefits carefully. Certainly travel items charged to the card may be covered and refundable, but what if you get sick at your destination? What if your luggage is lost? What if you need to quarantine or get delayed in one leg of your trip? The best trip cancellation insurance can put your mind at ease. These best travel insurance are specifically designed to help in all aspects of travel from interruptions that may come up (an emergency back home), unintended trip delays (testing positive for COVID, missing a flight or having a flight cancelled), helping you get your minor children home if you can't, and medical expenses should you become sick or hospitalized. There are plans to help you get your pet home safely and insure your expensive golf clubs or sports equipment get with you to your destination! You have invested so much into your trip planning, you may as well have full peace of mind that your investment is protected and you are taken care of by experts who have dealt with the most unlikely of scenarios!

IMG Insurance Restrictions

IMG is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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