Key takeaways
IMG ranks #4 for affordability among major travel insurance carriers, with average rates of $38 per trip monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #4 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #4 — see the coverage section below for which add-ons set IMG apart.
IMG ratings
How much does IMG cost?
IMG travel insurance costs travelers $38 per trip monthly on average, or Per trip annually — Mid-range compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how IMG typically prices different traveler profiles.
Avg monthly
$38 per trip
Avg annual
Per trip
vs. national avg
Mid-range
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Low-risk travelers | $32 | $38 per trip | #4 |
| Average travelers | $38 | $44 | #4 |
| Higher-risk travelers | $53 | $61 | #5 |
IMG earns #4 overall in our travel rankings — the kind of performance that rewards a closer look, not a coin flip.
IMG reputation
IMG ranks #4 in QuoteYeti's customer experience study for travel insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.61 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customer feedback is mixed; some praise specific service areas while others report frustration with claims complexity.
Step 01
Buying process
Buying coverage from IMG has been generally adequate, though not without friction for most travelers. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at IMG varies in quality — the mobile experience is reasonable, but complex changes often require phone or agent support. Members typically rate the digital experience as competent if not standout.
Step 03
Claims experience
Claims handling at IMG performs at or slightly above the industry standard. For straightforward claims (windshield repairs, minor incidents), most travelers report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A- (via SiriusPoint) | Excellent ability to meet financial obligations |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | A- (via underwriting partner) | Strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | Not surveyed | Not included in J.D. Power's claims study |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.61 | Substantially fewer complaints than expected for company size |
IMG discounts
IMG offers 1 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Group Plans | Variable | Discounts for groups of 10+ travelers |
IMG coverage options
IMG offers a comprehensive coverage menu typical of major travel insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Patriot International | Travel medical for trips outside the US | Strong medical-focused option |
| Global Medical Insurance | Long-term international health insurance for expats | Annual coverage for living abroad |
| Student Health Advantage | Health insurance for students studying abroad | Required by many universities |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Specialty plans for expats, students, and missionaries
- Generous medical evacuation coverage limits
- Multi-trip and long-stay options
- Strong international medical network
- Solid options for travelers over 65
What's not
- Top con Less focused on short-term domestic travel
- Customer service can vary by plan tier
- Marketing presence smaller than Allianz or Travelex
- Some restrictions on coverage for certain countries
Our verdict
The bottom line
IMG earns an overall score of 4.32/5 in QuoteYeti's travel insurance provider rankings. The carrier ranks #4 nationally, with particular strength in specific specialty areas.
IMG is best suited for travelers who want a balance of price and service from an established carrier. Less focused on short-term domestic travel is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is IMG a good travel insurance company?
IMG is a legitimate travel insurance carrier with a financial-strength rating of A- (via SiriusPoint). It ranks #4 overall and #4 in affordability in QuoteYeti's editorial comparison of major travel insurance providers.
How much does IMG travel insurance cost?
IMG averages $38 per trip monthly (Per trip annually) — Mid-range versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how IMG typically prices different travelers.
What discounts does IMG offer?
IMG offers 1 primary discounts, including Group Plans. See the full discount table above for eligibility and average savings.
Does IMG have good claims handling?
IMG's NAIC complaint ratio is 0.61 (1.00 is the industry average, so lower is better). This is at or near the industry average. J.D. Power claims scores rate Not surveyed.
Should I choose IMG or a competitor?
IMG is strongest for travelers who want established carrier reliability. Compare quotes from at least three carriers — IMG's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for travelers in different situations.
How we rated IMG
QuoteYeti's travel insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple travelers profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.