Guide
IMG Global expat insurance: what their own site publishes
By Covered Abroad Research Desk · Last verified July 2026
What IMG Global offers, checked 11 August 2026
Every claim on this page is taken from IMG's own international health insurance page at imglobal.com, checked on 11 August 2026. No review sites, no forums. We make no statement about whether any consulate accepts or rejects an IMG certificate, because we have no data on that and neither does any comparison site claiming otherwise.
IMG is the trading name of International Medical Group, Inc. Their international health insurance page splits into three segments: Expat / Global Citizen, Marine Crew, and Group Cover. For a family moving to Europe on a residence visa, the Expat / Global Citizen segment and its Global Medical plans are the relevant part; Marine Crew and Group Cover are different products for different buyers and are not what this page is about.
On services, their page lists 24/7 assistance from in-house multilingual nurses, doctors and case managers, plus a travel alerts service they call Travel Intelligence, described as push notifications covering ten threat categories including crime, terrorism and severe weather. Those are support services rather than insured benefits, which is a distinction worth keeping in mind when a page lists them side by side.
The Global Medical tiers, as published
Three tiers are shown on the page we checked. The figures below are IMG's own, published on their page on 11 August 2026, and they are the headline figures only; the plan documents carry the terms, sub-limits and exclusions that actually govern a claim.
| Plan | Medical maximum | Medical evacuation | Dental | Urgent care | Telehealth |
|---|---|---|---|---|---|
| Global Medical Silver | $5,000,000 | $50,000 | Included | Included | Not included |
| Global Medical Gold | $5,000,000 | Up to the lifetime maximum | Included | Included | Included |
| Global Medical Platinum | $8,000,000 | Up to the lifetime maximum | Included | Included | Included |
The interesting line there is evacuation rather than the medical maximum. Silver and Gold share the same $5,000,000 medical maximum, so the step between them is not the headline number; it is evacuation cover moving from a $50,000 cap to the lifetime maximum, plus telehealth. If you are comparing on the big number alone you will miss that.
Their page also states that the Global Medical programme lets you choose from several plan options, areas of coverage, multiple deductibles and modes of payment, and that different underwriting methods are available. So, as with most plans in this category, the named tier is a starting point rather than the finished product.
60-second check
Not sure the policy you have meets your destination's written rule? Run it through the policy check now, before you build the rest of the file around it.
Check my policyHow IMG defines international health insurance, in its own words
Their page carries a definitional section, and it is a fair one, so we will quote it rather than paraphrase. IMG describe international health insurance as coverage that "provides annually renewable coverage to people living or working outside of their home country, typically for one year or longer."
On why someone needs it, their page states that when living or travelling abroad for extended periods you will not be covered by either public or private health plans in your home country, and may not have access to the national health insurance programme in your destination country. It also lists country requirements as a factor, noting that some countries require coverage to get a visa.
That framing matches how we describe the category too: this is a residence product, renewed annually, not a trip product. If a page is selling you something built for single holidays, it is answering a different question. The related distinction, and why it matters at a visa appointment, is covered in travel insurance for a long-stay visa.
What IMG Global publishes on pricing
No premiums, as of 11 August 2026. Each of the three tiers carries a "see price" link that routes into a quote rather than displaying a figure, and there is no example household anywhere on the page. We will not estimate a number for them, and you should treat any specific IMG price on a third-party page as somebody else's inputs.
What their page does publish is the shape of the price, which is more useful than a single number anyway. Their own text names four variables you control: plan option, area of coverage, deductible, and mode of payment. Those are the four levers that move a premium in this category generally, and knowing them is what lets you compare two quotes honestly rather than comparing a low-deductible quote against a high-deductible one and calling it a price difference.
The 4.6 out of 5 rating, and where it comes from
IMG's page carries a "Top-rated 4.6/5 star company" banner, checked 11 August 2026. The page we captured does not name the platform, the sample size or the date behind that score anywhere else on the page.
That is a gap worth naming rather than papering over. A star rating with no stated source could be self-reported, drawn from any one of several review platforms, or calculated on IMG's own terms. We are not going to attribute it to a specific platform or a specific data-collection date unless that is stated on the page itself, and it was not on the page we checked.
The practical move is the same one we would suggest for any provider including us: look up their current rating on an independent review platform yourself before treating a banner number as evidence, and remember that a service rating measures service, not whether a certificate will satisfy your consulate.
How to judge it for a visa file
IMG's own page says some countries require coverage to get a visa, which is true, but the requirement is always specific: a named minimum, a named territory, named benefits, sometimes named wording. A plan that is generous overall can still produce a certificate that does not say what an appointment needs it to say.
Four checks decide it: the exact certificate wording, the product category, the fit with the specific country rule, and whether duration and territory match the visa. The full method is in how to compare international health insurers for a visa, and the criteria checklist is in best expat health insurance for a visa. We are not going to restate the argument here.
Two IMG-specific items to raise with them: their own FAQ list includes a definition of a "Qualified Expatriate" and a separate question about whether a US citizen is eligible for the Global Medical plan. Neither answer was on the page we checked. If either applies to you, get it settled before you pay, not after.
Where our own plans sit next to this
Our prices are published, not quote-gated. For an adult aged 18 on the EU region, paid annually: Essential $392, Major Medical $721, Standard $1,133, Comprehensive $1,525 and Fully Comprehensive $1,906. Children aged 0 to 17 pay one flat rate per plan. What the price actually buys sets out what each tier carries.
The limits we state up front: pre-existing conditions are excluded, treatment is covered worldwide excluding the United States, and age caps apply at 70 on the health plans and 80 on Essential.
That last point is the clearest place where a plan like IMG's fits a case ours does not. IMG is a US-headquartered insurer whose page speaks directly to US expats and to worldwide cover, and their published medical maximums run to $8,000,000. If you need treatment cover inside the United States, a ceiling in the millions, or cover past our age caps, ours is the wrong product and we would rather tell you now. If you are moving to one of the eight European destinations we cover and you want to see the number before you talk to anybody, that is what we are for.