International Marine Medical Insurance

International Marine Medical Insurance, Marine health insurance - IMG International Marine Medical Insurance Worldwide group medical insurance for professional marine captains and crew.

International Marine Medical Insurance Plan Summary

  • Policy maximum? : US $5M per insured per certificate period.
  • Underwriter: Underwritten by Sirius International Insurance Corporation, Sirius International is a White Mountains Insurance Group company.
  • Worldwide group insurance for expert marine crew
  • Primary to the vessel's Protection and Indemnity insurance plan (P&I)
  • Coverage for person and dependents

Plan benefits of International Marine Medical Insurance

  • Coverage Type Primary to P&I
    Coverage Area Worldwide
    Rate Guarantee Initial 12 months
    Deductible - Calendar Year Select from deductible options $100 to $10k
  • Medical expenses incurred in the U.S., in-network Plan pays 50% of eligible charges
    Medical expenses incurred in the U.S, out-of-network Plan pays 50% of eligible charges
    Medical expenses incurred internationally Plan pays 50% of eligible charges
  • Wellness Benefit - Available after 12 months on plan Plan pays up to $250 per calendar year
    Illness or Accident Benefit Subject to deductible & coinsurance
  • In-patient & Out-patient Subject to deductible & coinsurance
    Emergency Room - Injury Not subject to Emergency Room Deductible in U.S. (subject to deductible & coinsurance outside U.S.)
    Emergency Room - Illness Subject to an additional $250 deductible if treatment does not require admittance to the hospital (waived outside U.S.)
  • Emergency Local Ambulance Subject to deductible & coinsurance
    Hospital Indemnity Overnight maximum limit: $100; maximum overnight limit: 20; maximum limit: $2k; only available internationally
    Emergency Medical Evacuation $1M lifetime maximum benefit per person
    Emergency Reunion $10k lifetime maximum benefit
    Supplemental Accident $300 maximum limit per covered accident
    Return of Mortal Remains $25k maximum limit; $10k local burial/cremation maximum limit
    Transplant $1M lifetime maximum
    Home Nursing Care, Extended Care Facility Subject to deductible & coinsurance
    Physical Therapy $75 maximum limit per visit; medical order or treatment plan required
    Prescriptions Subject to deductible & coinsurance
    Mental or Nervous, Substance Abuse, & Counseling $20k lifetime maximum
    Sudden & Unexpected Reoccurrence of Pre-existing Conditions Up to the calendar year maximum limit
  • Exams $100 per 24 months
    Corrective lenses and/or frames $150 per 24 months
  • Pregnancy & Newborn Care Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life; subject to deductible and coinsurance
    Pregnancy Complications Subject to deductible & coinsurance
  • Amateur Sailboat Racing Subject to deductible & coinsurance
    Crew Member Return $2.5k maximum limit
    Emergency Dental Subject to deductible & coinsurance; accident-related

IMG International Marine Medical Insurance - Common Questions

01. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

03. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

04. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

05. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.