The IMG Global Medical Plan offers customizable international health coverage for expats and families, including hospitalization, preventive care, emergency evacuation, and flexible deductibles.
IMG Global Medical Insurance is an expatriate health insurance plan that provides you and your family with worldwide medical coverage. Available to all nationalities, the IMG Global Medical Plan is ideal for international citizens living and working outside their home country, providing some of the most comprehensive benefits available, backed by worldwide service.
The plan is fully customizable, offering multiple levels of coverage, two options for your area of coverage, five optional add-on riders, various deductible options, and four payment modes available. When you buy international medical insurance, you can get the exact plan that satisfies your family’s health needs at a price that fits your budget.
IMG Global Medical Insurance Highlights
attach_money
Overall Maximum Coverage
Plan tiers offer a range of maximum coverage from $1,000,000 to $8,000,000.
pill
Prescription Coverage
All plan tiers include prescription coverage with varying limits.
globe
Choice of Coverage Area
Worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Macau, Japan, Singapore, and Taiwan.
airplanemode_active
Emergency Evacuation
$50,000 maximum per coverage period for Bronze and Silver, up to lifetime maximum for Gold and Platinum.
With an IMG Global Medical insurance plan, you can choose the benefit tier that best fits your needs. Every tier includes comprehensive coverage for hospital care, outpatient services, prescriptions, chemotherapy and radiation, physical therapy, organ transplants, and emergency evacuation. Each plan also includes a Healthy Travel supplement, which covers vaccinations and other preventive care before you depart.
Benefit
Gold
Platinum
Annual Overall Maximum
$5,000,000 per individual
$8,000,000 per individual
Deductible
$250-$25,000
$100-$25,000
Inpatient
Subject to deductible and coinsurance unless otherwise noted.
Emergency Local Ambulance
Injury or illness resulting in an inpatient hospital admission.
Mental or Nervous
After 12 months of continuous coverage.
Maximum Limit: $10,000
Lifetime Maximum: $50,000
Lifetime Maximum: $50,000
Chemotherapy or Radiation Therapy
Maternity
N/A
Available after 10 or 24 months after underwriting's review of the application.
Maternity Deductible: $2,500 (in addition to plan deductible)
Lifetime Maximum: $50,000
Newborn Care
N/A
Maximum Limit: $250,000
Eligible if the pregnancy is covered under the plan.
Routine care after 31 days of life through 12 months.
Emergency Medical Evacuation
Up to the lifetime maximum
Up to the lifetime maximum
Child Preventive Care
Aged 18 years or younger.
Maximum Limit: $250
Maximum Limit: $400
Adult Preventive Care
Maximum Limit: $250
Maximum Limit: $500
Telehealth
Non-insurance benefit
Expand your IMG Global Medical Insurance Coverage with Additional Riders
Optional add-ons are available for terrorism coverage, adventure sports, dental and vision care, and accidental death and dismemberment. You can even include global term life insurance, which, unlike many domestic policies, provides protection for your beneficiaries no matter where you are in the world.
The optional terrorism benefit* provides up to $50,000 in coverage if you are harmed in a terrorist incident and need to file a related claim.
*Platinum plan only.
Enhance your time overseas by adding IMG’s optional sports rider*, which covers an extensive list of adventure sports, providing up to $50,000 in benefits, along with $10,000 in added coverage for amateur athletic activities.
*Gold and Platinum plans only.
The dental and vision rider* allows all policyholders to add coverage for routine care, restorative treatments, exams, and related materials. It can be applied to the entire family, and Platinum members already receive these benefits automatically.
*Bronze, Silver, and Gold plans only.
For enhanced protection, you can add Term Life and Accidental Death and Disability benefits to your policy, providing up to $75,000 in payouts if you or a family member must file a claim due to a covered death, serious accident, or disability.
Cell phones are essential when traveling abroad, helping you stay safe, stay in touch with loved ones, and capture your experiences. Mobile Device Protection covers the repair or replacement of your phone if it is lost, stolen, or accidentally damaged, ensuring you can continue your trip and stay connected wherever you are.
How Much Does a Global Medical Plan Cost?
The cost of your IMG Global Expat Medical Insurance plan is based on several factors. Your age and your destination will each affect your IMG health insurance premium. You can also make choices in several areas to get the precise coverage you need at the right price.
Choose from two coverage areas:
Worldwide or
Worldwide, Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Select the coverage area that best reflects your geographic area of need. Each provides full coverage, but premiums reflect the cost of care in different parts of the world. Regardless of your coverage area, you maintain the freedom to choose your provider.
Multiple deductible options-A deductible is a cost you agree to pay out of pocket before your insurance begins to pay for services. Your premium will be reduced, but you may still be responsible for some bills on your own.
IMG offers seven different deductible options, all with varying levels of premium. Additionally, your deductible can be reduced up to 50% to a maximum of $2,500.
Four premium modes – You can pay your entire premium upfront for greater savings or pay monthly to spread the costs throughout the year. Choose one of these four premium modes.
The IMG Global Medical Plan is available to all nationalities (U.S. and non-U.S. citizens) from 14 days up to 74 years of age. U.S. citizens must plan to live outside their home country for at least 6 months of the 12 months covered by the plan year. Individuals 75 years of age and older are not eligible for coverage. However, if you enroll before your 65th birthday and maintain the plan, IMG will offer you an alternative plan, the Global Senior Plan, which you can migrate to once you turn 75.
Seniors who reside six months or longer outside the U.S. per year
Digital nomads who travel the globe and need coverage worldwide
We recommend a group international plan for groups of 5 or more. The IMG Travel Insurance provides emergency medical and travel insurance for those going abroad for less than a year. A business travel insurance plan may be better for your organization’s employees if they are abroad for less than a year.
This plan is available to individuals and families of all nationalities.
U.S. citizens must plan to leave the U.S. on or before their effective date (or renewal date) and reside outside the U.S. for at least 6 out of the next 12 months.
Persons from 14 days to 74 years old may apply for coverage.
The IMG Global Medical Insurance plan is a medically underwritten plan, which means that your family’s medical status and history will be used to determine your eligibility for coverage. Once you submit your application, an underwriter will review it within five business days. Within that period, you will hear back from the underwriters, and they will do one of the following:
Issue coverage and complete your application
Request further documentation regarding your past medical history
Apply a rider to your coverage that limits or excludes certain medical conditions
Apply a premium increase due to your medical and/or family history
Deny coverage
You will be notified of the status of your application once complete or if further information is needed. You will be notified if a rider or premium increase is added to your plan. If you are issued a rider, you will receive a 30-day ‘free look’ period. If you do not like the proposed coverage terms, you can cancel coverage within the 30-day free look, and you will receive a full refund of your premium.
For short-term coverage or a plan without underwriting requirements, consider an IMG Travel Insurance plan.
Subject to the plan’s terms set by the plan administrator, International Medical Group, this policy is annually renewable, and coverage is continuous when renewed. Before the end of each period of coverage (12 months), you will receive renewal information. You must continue to meet the eligibility requirements outlined above to renew. You have the option to renew online, or you may complete a paper application. There are no additional medical questions at renewal, and IMG can work with you to provide flexible renewal options. Please select your deductible and plan option carefully, as you cannot select a lower deductible or increase your plan option when you renew your coverage.
Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance program by your 65th birthday and maintain continuous coverage to age 75. Before your 75th birthday, you will receive a summary of benefits for the Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits and promptly complete and return the enrollment form with your premium. Your benefits may be limited once you transition to the Senior Plan.
The IMG Global Medical plan can be purchased online using a credit card or debit card. When applying for the plan, you will be able to choose your frequency of payment from paying annually, semi-annually, quarterly, or monthly, with discounts available when you pay for a larger period of time at once. While your payment details are required to be included on your online application, your card will not be charged until the underwriting review process has been completed.
Lifetime medical coverage is available only if you are enrolled in the plan by your 65th birthday and maintain continuous coverage to age 75. Before your 75th birthday, you will receive a summary of benefits for a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You need to review the benefits and complete and return the enrollment form with your premium.
When you request a quote for coverage from our licensed agents, they will provide you with different options for your situation. You can ask your agent about coverage for people over age 65.
Once you are accepted into the plan, IMG gives subscribers 15 days to review the fulfillment kit contents. If during that 15-day period you find that you are not satisfied with the plan, you may submit a written request for cancellation and a full refund of your premium. See the Certificate of Insurance for full details.
Cancellation requests received after this 15-day period will be granted at the sole discretion of IMG as the plan administrator. Any refund you may receive will be based on an established refund schedule, not a pro-rated basis. See the Certificate of Insurance for full details.
Usual Reasonable and Customary, or URC, is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area.
You can instantly access a list of providers and facilities within the IMG’s PPO and International Doctor Network online. The directories allow you to search by location, physician or facility name, or specialty.
If you require treatment outside the U.S., we provide you access to our International Provider AccessSM (IPA), a database that includes more than 17,000 highly qualified physicians and facilities that encompass a comprehensive array of specialties to handle any health care emergency. Our direct billing arrangements can also ease the time and upfront expense at select providers.
Discover the best international health insurance companies, ranked by coverage options, network size, claims process, and financial stability, and find the ideal plan.
Gain valuable insights and practical tips for navigating international health insurance while living abroad. From coverage details to expert advice, this comprehensive guide helps travelers…
Discover essential digital nomad tips to thrive while working remotely, including managing time zones, staying healthy, protecting your devices, and making friends abroad.
Plan your trip to the 2026 Winter Olympics in Italy with confidence. Learn how travel insurance can protect you from medical emergencies, winter travel risks, and unexpected trip cancellations.
Discover the best travel destinations in 2026 with our guide to the top 10 countries for solo travelers, families, and adventure seekers, plus helpful tips for planning your next adventure.
From eco-friendly hotels and multigenerational adventures to dude ranches and sleep tourism, these are the travel experiences topping the list this year.
Learn about vaccine requirements for traveling abroad, including mandatory and recommended vaccinations, destination-specific guidelines, and how travel insurance can help cover costs.
We use cookies to make your experience better, learn how our website is used, and help with our marketing. You can choose to accept all cookies, reject non-essential ones, or set your preferences.
Functional
Always active
Required for the website to function properly and securely.
Preferences
Used to remember your settings and preferences.
Statistics
Used to understand website usage and improve performance.The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
Used to measure advertising performance and personalize marketing.
