Use this as a neutral worksheet
This page does not rate IMG or any other company. It gives travelers a practical set of questions for comparing policy certificates.
Availability, benefits, exclusions, assistance services, and claim procedures can vary by state of residence and policy form.
- Which underwriter is responsible for the policy?
- What are the medical and evacuation limits?
- Which cancellation reasons are covered?
- What documents are required for common claims?
Compare beside other policies
Put every quote in the same worksheet. If one quote is cheaper, identify whether the difference comes from benefits, limits, exclusions, deductibles, or optional coverage.
- Same trip cost.
- Same traveler details.
- Same destination list.
- Same optional benefit choices.
Before purchase
Ask for the policy certificate and review the assistance process. Keep the emergency assistance number in your phone and in printed form.
- Confirm dates and destinations.
- Confirm pre-existing condition language.
- Save the purchase confirmation.
Related Reading
Reference Sources
Use public insurance and travel resources, then read the policy certificate before relying on any benefit.