# What are the best IMG travel insurance reviews for international travelers? Lily Armstrong · August 4, 2026 > About 60% of travelers need travel insurance, yet only 20% actually purchase it due to misconceptions about its necessity, despite potential high costs... About 60% of travelers need travel insurance, yet only 20% actually purchase it due to misconceptions about its necessity, despite potential high costs of emergency medical situations abroad. Travel medical insurance can sometimes cover emergency evacuations, which can cost over $100,000, particularly in remote areas where healthcare is not easily accessible. **Also worth reading:** [Will automated insulin delivery systems be covered by insurance in 2026?](https://healtho.io/knowledge/will_automated_insulin_delivery_systems_be_covered_by_insurance_in_2026.php) · [How do I get pediatric insulin pump insurance coverage in 2026?](https://healtho.io/knowledge/how_do_i_get_pediatric_insulin_pump_insurance_coverage_in_2026.php) · [How do I successfully win a pediatric growth hormone insurance appeal after a denial?](https://healtho.io/knowledge/how_do_i_successfully_win_a_pediatric_growth_hormone_insurance_appeal_after_a_denial.php) Many travel insurance policies, including those offered by IMG, do not cover pre-existing medical conditions unless specific waivers or additional coverage options are purchased. Trip cancellation insurance, a common feature in travel insurance, typically covers only non-refundable expenses. Understanding what qualifies as a valid reason for cancellation is crucial for airline travelers. The most common reasons for trip cancellation claims are illness, severe weather, and family emergencies, highlighting the unpredictability of international travel. Travelers can evaluate IMG's various policies through customer reviews, which often cite high customer satisfaction and comprehensive coverage options, an important factor when selecting insurance. Research indicates that policies with high medical limits (often exceeding $1 million) can provide security for travelers who may need extensive medical treatment abroad. A study by Travel Insurance Review found that about 78% of customers rated IMG's resources as useful for addressing common problems early on in their travels. Historically, travel insurance claims tend to be more complex than expected, with about 40% getting denied due to lack of documentation, emphasizing the need for travelers to keep thorough records. IMG's support for multilingual capabilities caters to a diverse range of international travelers, facilitating better communication during emergencies. The advent of COVID-19 has redefined travel insurance, with many policies now including explicit pandemic-related coverage, a significant factor in the evolving landscape of travel safety. Understanding how your insurance policy interacts with local healthcare providers is critical; not all insurance coverage claims work in the same manner globally as they do domestically. Insurance policies sometimes include deductibles, which can vary widely, so a thorough comprehension of your financial exposure is imperative before stamping your travel plans. It’s important to assess the claims process; some users report that IMG has a straightforward claims procedure, while others caution that waiting times can vary significantly based on circumstances. Special coverage for adventurous activities such as skiing or scuba diving often requires additional policies or riders, underscoring the importance of checking your plan if you engage in high-risk activities. Many countries require proof of travel insurance upon entry, especially in regions where healthcare can be costly, reinforcing the necessity of securing appropriate coverage prior to departure. Lastly, comparing various insurance plans through independent review sites, rather than relying solely on the insurer's information, can yield surprising insights into service quality and claims resolution. Understanding how global events impact travel insurance coverage is key; for instance, political instability or natural disasters in a destination can affect policy terms dramatically. International travel insurance policies can also cover lost luggage, which can be a considerable challenge during air travel, particularly with fluctuating airline efficiency. In 2022, the growing trend in long-term travel led to new insurance packages specifically designed for digital nomads, accommodating travelers who work remotely while exploring new cultures. Canonical: https://healtho.io/knowledge/what_are_the_best_img_travel_insurance_reviews_for_international_travelers.php Markdown: https://healtho.io/knowledge/what_are_the_best_img_travel_insurance_reviews_for_international_travelers.php/index.md