International Medical Group (IMG), offers a wide variety of policies to protect US visitors from potential medical expenses abroad. If you’re traveling for leisure or business, IMG health insurance policy can give the protection you need, no matter where you go.
IMG offers two types of insurance policies – standard (also known as universal) and preferred. Standard plans cover any hospital stay, regardless of when you arrive at the destination, but the preferred plan covers more expensive treatments.
Depending on where you’re traveling, you’ll find IMG policies designed to cover specific needs. The basic policies cover emergency hospital treatment, prescription drugs, emergency services, and pre-existing conditions.
Most of the IMG policies also have supplemental policies, which can be added onto an existing policy for even more protection. You can select the deductible and co-pay amount you want to pay for each service. Some policies also cover maternity care and prescription drugs if they are taken within the previous 12 months.
If you’re concerned about having to pay for pre-existing conditions, consider an IMG preferred provider organization (PPO) plan, which gives you a premium break on premiums for preventive care. PPO plans will often include routine checkups and X-rays along with medical appointments for treatment of medical conditions.
Because international travelers are often at greater risk of contracting communicable diseases, it’s a good idea to shop for international health insurance quotes from reputable providers. To protect against these health risks, many health insurance plans also cover immunizations, emergency medical services, prescriptions, and emergency travel.
To get the most accurate comparison of the various health insurance quotes available in your area, consider using the services of a specialized international insurance company, like International Medical Group. These companies will contact their members and ask for information about what’s included in their policies, how much the premiums cost, and what medical emergencies they are covered for.
As you shop around for an IMG health insurance quote, keep in mind that the best rates and coverage are finding online. Using a reputable online health insurance quote provider site is the easiest and fastest way to compare the available plans, including all of their benefits.
In addition to being fast and easy, online health insurance quotes provide you with a wide variety of medical insurance plans and can give you a better idea of what it would cost for you to receive treatment abroad. Compare what you would pay in a hospital in the United States, compare what you would pay for pre-existing conditions in Europe, and then look at what it would cost in other countries around the world.
For example, if you have heart disease or diabetes, you may find that an IMG health insurance quote would be more expensive than one that covers those conditions. In fact, you could find that the premiums are significantly lower than in countries with less advanced medical care.
Because IMG plans provide you with flexibility, you can decide to go with one type of plan and pay only part of the premium, or you can have both plans covered by the same company. You can also use your IMG insurance quote to determine the length of time you want your IMG plan to cover you.
Another way to save money is to purchase your IMG insurance quotes online before you leave for your trip. That way, you can find out what other health insurance providers charge for the services that are most important to you.
One of the best ways to make sure you are getting the best rate possible is to check the terms and conditions of any policy offered, so you know what to expect if you don’t purchase coverage right away. You should also check that the insurance company is licensed, insured, and bonded, and that your medical history has not been compromised.