Travel insurance provider
IMG
International travel medical and trip protection provider
International travel medical and trip-protection plans for travellers, families, students and longer stays.
At a glance
- Provider type
- International travel medical and trip protection provider
- Global reach
- Very high
- Primary audience
- Travellers, families, international students, expatriates and long-stay travellers
- Single trip
- Core
- Annual / multi-trip
- Available
- Emergency medical
- Core
- Evacuation
- Available
- Cancellation
- Available
- Baggage
- Available
- Adventure / sports
- Plan dependent
- Long stay / already travelling
- Strong
- Medical conditions
- Plan dependent
- Business travel
- Selected products
- Provider model
- Direct provider
- Digital access
- Strong
- Claims / assistance
- International assistance
- Pricing model
- Quote based
What type of travel insurance provider is this?
A direct insurance and assistance provider. Trip protection and travel medical products are different plans. The provider model affects which policies can be compared, who issues the cover and who handles servicing.
Who it may suit
IMG may be relevant to travellers, families, international students, expatriates and long-stay travellers.
Who can use the provider?
Very high. Eligibility can depend on nationality, country of residence, current location and trip destination. Global reach is not universal eligibility.
Single-trip and annual cover
Single trip: Core. Annual or multi-trip: Available across relevant products. An annual policy can still limit the days on each journey.
Emergency medical cover
Core. This describes the category of cover. It does not state a monetary limit, and it does not say a claim will be paid.
Medical evacuation and repatriation
Available on relevant plans. Evacuation usually means transfer to appropriate treatment. Repatriation generally means a return to a home or nominated country where the policy allows. The traveller does not choose the destination unless the wording says so.
Cancellation and interruption
Available on trip-protection products. Covered reasons are in the policy wording. This page does not list them.
Baggage and personal effects
Available on relevant plans. Single-item and valuables limits, where they exist, are in the schedule. None are stated here.
Adventure and sports cover
Plan dependent. Hiking, skiing, diving, surfing, motorcycling, cycling, climbing and sailing are not covered merely because a product is aimed at active travellers. Check definitions, limits and safety rules.
Long-stay and already-travelling cover
Strong through international medical and long-duration products. Confirm whether a plan can be bought after departure. Waiting periods can apply. A known incident is not covered backwards. Extension rules differ.
Pre-existing medical conditions
Plan, age and underwriting or waiver rules vary. This is not a statement that a condition is covered. Wording, waivers, exclusions, stability periods and disclosure rules differ. Nothing here is cover.
Business travel
Selected products and group solutions. This is travel cover for a work trip. It is not business liability or a wider commercial policy. See business insurance for that separate question.
Digital experience
Strong.
Claims and assistance
International servicing and assistance. Assistance is not a decision that a claim will be paid.
What changes travel-insurance pricing?
Quotes are available for quoteable travel products. This page does not publish a premium.
- Trip length
- Destination
- Age
- Cover level
- Medical conditions
- Cancellation value
- Activities
- Deductible
- Number of travellers
- High-cost medical destinations
Questions to ask
Ask IMG directly. This page does not answer these for a particular trip.
Who can buy this policy?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Which countries of residence are accepted?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Can I buy while already travelling?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What is the maximum trip length?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is annual multi-trip cover available?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What emergency medical limit applies?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is evacuation included?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is repatriation included?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is cancellation included?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is trip interruption included?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What baggage cover applies?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What are the single-item limits?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Are my sports covered?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Do I need an activity upgrade?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
How are pre-existing medical conditions treated?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is business travel covered?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What deductible applies?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Is there 24/7 assistance?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Who handles claims?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Which insurer actually underwrites the policy?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What happens if my trip is extended?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
What exclusions should I pay particular attention to?
Ask IMG directly. The answer depends on residence, destination, the product and the insurer that issues it.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page. It does not mean WiT Access has an agreement.
Information is based on publicly available provider information reviewed by WiT Access. Travel-insurance benefits, exclusions, trip-length rules, underwriting, premiums and eligibility can change.