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IMG review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

IMG is a US insurer built for expats who want their own health and travel cover, with monthly premiums and cover limits of USD 100,000. It suits people who need cover outside their home country and would rather deal with a US insurer than a local one.

Key facts

Best for
Expats and long-term travellers who need health and travel cover set up in a single monthly arrangement.
Insurance types
Travel, Health↗
Provider type
Insurer↗
Cover limit
USD 100,000↗
Claims channels
Online (MyIMG portal), Email ([email protected]), Post, Fax↗
Legal entity
International Medical Group, Inc.↗
Headquarters
United States↗
Founded
1990↗
Support channels
Phone, Email, Chat, Help-centre↗
Audience
Expats
Pricing model
Monthly
Official website
imglobal.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
TrustpilotXLinkedInfacebook.com

Pros and cons

Pros

  • An insurer rather than a broker, so the cover sits with International Medical Group, Inc. and the travel limit is set out plainly at USD 100,000
  • Both health and travel insurance sit under one provider, covering travel and health
  • Premiums can be spread monthly, on a monthly basis
  • Help runs on phone, email and chat, and claims can start online, by email, post or fax through online (MyIMG portal), email ([email protected]) and post

Cons

  • The range of insurance types is limited to travel and health, with nothing for homes, cars or gadgets
  • Registration sits with US state regulators, including the California Department of Insurance on a non-resident producer licence and the Indiana Department of Insurance as producer licensing state
  • Cover is priced in US dollars, so a euro or sterling premium moves with the exchange rate
IMG

Ready to try IMG?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • Expats living outside the country of nationality, who need health cover for where they now live
  • Long-term travellers who want annual cover in one arrangement instead of buying a short trip policy each time
  • Anyone who prefers a US insurer and can pay a monthly premium

Who should look elsewhere

  • People wanting home, car or gadget cover, since Linxea and Euroasia Insurance list those categories instead
  • Borrowers comparing personal loans, where Oney Préstamos ES is the closer match
  • Buyers who want cover written for their home market rather than a US insurer

How IMG compares

Where IMG is available

Available
United Kingdom, United States
Licence in United States
California Department of Insurance (CA Non-Resident Producer License) (0F17093), checked September 26, 2026
Licence in United States
Indiana Department of Insurance (producer licensing state for International Medical Group, 9200 Keystone Crossing, Indianapolis, IN), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does IMG actually insure?+

IMG is an insurer, listed as a insurer, and its categories are travel and health. That means health and travel cover rather than home, car or gadget policies. The provider is International Medical Group, Inc., based in the US.

How much cover do I get?+

The travel side shows a cover limit of USD 100,000, which is the headline figure on the travel policy. Health cover is quoted separately, so the two policies do not sit under one shared limit.

Can I pay the premium monthly?+

Yes, the payment model is monthly, so the premium can be spread across the year rather than paid in one sum. There is no separate account fee fact to weigh here, so the monthly amount is the main cost to compare.

Who regulates IMG?+

Registration comes from US state regulators. One is the California Department of Insurance, which holds a non-resident producer licence for the company, and the other is the Indiana Department of Insurance, named as the producer licensing state.

How do I make a claim?+

Claims run on online (MyIMG portal), email ([email protected]) and post, so you can start in the MyIMG portal, by email, by post or by fax. If you prefer to talk it through first, support reaches you on phone, email and chat, which includes phone, email, chat and a help centre.

Who is this aimed at?+

The stated audience is expats. That focus is why the health and travel pairing works well for people living outside their home country, and less well for anyone after UK or European property and motor cover.

Is IMG a broker or the insurer?+

It is the insurer itself, not an intermediary, so the contract is with International Medical Group, Inc. and the cover limit is published rather than negotiated per policy. Premiums are therefore quoted directly by the provider.

Sources

  • imglobal.com checked September 26, 2026

    Backs: Audience, Legal entity, Pricing model, Licences

    “annually renewable private medical coverage for expats and global citizens living or working internationally”

  • imglobal.com/faq checked September 26, 2026

    Backs: Claims channels

    “For faster processing, we recommend that all claims be submitted online at imglobal.com/member”

  • imglobal.com/our-story checked September 26, 2026

    Backs: Provider type, Founded, Headquarters, Insurance types

    “IMG is an award-winning provider of global insurance benefits and assistance services.”

  • imglobal.com/travel-insurance checked September 26, 2026

    Backs: Cover limit, Support channels

    “iTravelInsured Choice Medical $ 100,000”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

IMG

IMG

Expats and long-term travellers who need health and travel cover set up in a single monthly arrangement.

9.4/10See alternatives