Insurance FAQs

Types of Travelers

Employer / Business Traveler Expat / Global Citizen Government Services Marine Captain / Crew Mission / Social Good Student / Scholar Vacation / Holiday Visitor / Immigrant

Types of Plans

International Health Insurance Travel Insurance Travel Medical Insurance

Topics

Insurance

Members

Claims Contact Find A Doctor MyIMG Plan Documents Precertification

How long does it take to process my application and receive my ID card and other documents?

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.

Do these plans cover sports-related illness or injuries?

IMG plans include customization options and add-ons, including add-on coverage for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance.

How do I provide proof of insurance for my school?

To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.

How do I determine the status of my waiver?

Check with your school to get your waiver status.

When should I complete my waiver?

Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver.

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.

I am a non-U.S. citizen and an international student. Will PPACA's individual mandate affect my IMG plan?

As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).

Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.

International Students – Exempt as Non-Resident Aliens

Under the IRS international student exemption, anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.

That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here.

Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.

The Individual Mandate and Alien / Non-Alien Status

The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.

Am I a Resident or Non-Resident Alien?

The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.

Under IRS Publication 519, Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.

Benefits are subject to exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges. The information on this page is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance or the Application, Master Policy and any riders or other governing documents (the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided. Please note that benefit limits and maximums for residents of NY and WA may vary. For all state specific benefit details, please refer to the policy documents for each plan.

You can find sample policies for each state here:

The plan document you receive will depend on your state of residence. For some iTravelInsured Lite, SE, LX, GT plans and all iTravelInsured Choice, iTravelInsured Essential and Travel Sport plans: This website contains highlights of the plans, which include travel insurance coverages underwritten by SiriusPoint America Insurance Company under form series SA-ITI-19-1000 et. al. SiriusPoint America Insurance Company is rated A- (Excellent) by AM Best 2023.

The plan document you receive will depend on your state of residence. For some iTravelInsured Lite, SE, LX and GT plans: This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et. Al., T210 et. al. and TP-401 et. al. While International Medical Group (IMG), markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by IMG, and IMG does not receive compensation from USF for providing the non-insurance components of the plans.

The plans also contain non-insurance Travel Assistance Services provided by International Medical Group and Teladoc (Teladoc only available on iTravelInsured Choice, iTravelInsured Travel SE, and iTravelInsured Travel LX plans). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/ agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 9200 Keystone Crossing, Indianapolis, IN 46240 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

*TrustPilot ranking based on data collected in January 2024 from travel insurance providers with over 1,000 TrustPilot reviews

To request more information, please fill out the form below. After you submit the form, we will have an IMG representative contact you.

Contact Information

First Name

Last Name

Phone Number

How Can We Help?

Interested In

Group Size

Requested Active Date

Brief Description of Your Needs

Frequently Asked Questions

Types of Travelers

Types of Plans

Topics

Members

Contact Information

Company Information

How Can We Help?

Protect
Your Trip

Insurance

Services

About IMG

Members

Producers

Frequently Asked Questions

Types of Travelers

Types of Plans

Topics

Members

Disclaimers

Secondary Coverage

Primary Coverage

Select Your Language

Request Information

Contact Information

Company Information

How Can We Help?

Protect Your Trip

Travel Insurance

Travel Medical Insurance

International Health Insurance

Categories

Enterprise Services

Traveler Services

Categories

Support

Learn

About IMG

News

Popular Articles

Members

Producer/Agents

Protect
Your Trip

Travel
Insurance

Travel Medical
Insurance

International Health
Insurance

Enterprise
Services

Traveler
Services