How To File A Successful IMG Claim: A Step-by-Step Guide

Insurance

IMG Claim

Filing a claim with IMG claim for your travel insurance is a straightforward process.

Whether you’ve encountered a medical emergency, lost baggage, or any other covered incident, it’s essential to follow the correct procedures to expedite your claim.

This guide will walk you through the steps to file a claim with IMG, including required documentation, submission methods, and important deadlines to keep in mind, ensuring a smooth and efficient claims process.

International Medical Group (IMG) is a leading international medical insurance provider based in the USA.

Table of Contents

Understanding The Travel Insurance Claims Process

Travel insurance is designed to protect you during unforeseen incidents during your travel like medical treatment for a sickness or injury, emergency medical evacuation, trip cancellation, trip interruption, accidental death or dismemberment, or repatriation of remains.

The insurance company will reimburse genuine medical claims or non-medical claims.

The claims process is designed to ensure you receive the reimbursement benefits you’re entitled to during your travels after you submit a claim.

Filing travel insurance claims should be a straightforward, stress-free process
Understand the claims process to avoid common mistakes and ensure a successful claim
Review your particular insurance plan to understand what is covered and what is not
Submit a claim that is eligible as per the travel insurance policy

Where To File IMG Travel Insurance Claims?

All travel insurance claims and related information should be filed with the Company through the Plan Administrator via the MyIMG customer portal at www.imglobal.com/member within the specified filing deadlines.

Alternatively, claims can be submitted to:

International Medical Group
Attn: Claims Department
PO Box 240429
Apple Valley, MN 55124
USA

The Best Way To Submit An IMG Claim:

Through the online customer portal, “MyIMG portal“

If You’re A First-Time User, Follow These Steps To Register:

Visit www.imglobal.com/member and click “Create an Account”
Enter your Certificate, Policy Number, or Insured/Member ID, and click “Continue”
Once the system verifies or your information is verified, complete the remaining steps to finish your registration

After Creating Your MyIMG Account, Here’s How To Submit A Claim:

Log in to the MyIMG portal and click “Claims”
From the drop-down menu, select “My Claims”
Choose the appropriate policy or certificate
Then click “Submit New Claim” and follow the prompts to complete your submission

Benefits Of Submitting Your Claim Online Via MyIMG:

It offers faster service
A confirmation email
A tracking number, and
The ability to monitor updates throughout the claims process

NOTE: You must download and complete a claim form found at the bottom of the MyIMG claims page for certain plans or types of claims that cannot be completed online. IMG must receive this Form over secure means/channels with supporting documentation as needed.

Filing A Claim With IMG

Filing Travel Claims:

Policy numbers beginning with “TC,” are required to file a travel claim

You must submit proof of loss within 90 days of the incident

For these claims, you must provide documentation such as:

A trip invoice
Itinerary, or confirmation that includes the details of your trip (travel dates, destination, etc.)
Other necessary information to substantiate the loss

The online portal will guide you through submitting the required documentation and following the proper procedures to ensure your claim is processed as quickly as possible. Ensure they have all the information they need to process your claim.

Filing Medical Claims:

All claims must be submitted within 90 days of receiving treatment.

Claim For An In-Network Provider

If you receive medical treatment from an in-network provider that has a direct billing agreement with IMG, they will submit the insurance claim for you
Present your IMG ID card at the time of treatment, and the provider will send you a statement after submitting your claim
IMG often deals directly with hospitals or clinics to handle the payment for eligible medical expenses

Out-of-Network Providers Or Reimbursement For Out-of-Pocket Expenses:

If you have received treatment from an out-of-network provider or need reimbursement for out-of-pocket medical expenses

Visit MyIMG to complete the claim form
Submit original itemized bills and paid receipts within 90 days
Reimbursement for eligible medical expenses will be processed after applying the deductible and coinsurance, as per the plan terms
Be sure to submit your bills and receipts promptly, rather than waiting until the end of the year
For yearly renewable plans, IMG applies qualified eligible medical expenses toward the deductible and coinsurance throughout the year

Preparing To File An IMG Claim

Gathering Required Supporting Documentation

Supporting documentation includes the insured’s ID, copy of passport, copies of all receipts, bills, itemized services, and a claim form
Keep all original receipts and bills, as they may be required for claim submission
Make sure to have all necessary supporting documentation ready before submitting a claim

Proof Of Claim:

When an Insured Person receives treatment or the Company is notified of a claim:

The Insured Person must submit an International Medical Group (IMG) Claim Form as part of the Proof of Claim
This form can be completed online via the MyIMG customer portal at www.imglobal.com/member or
Obtained by contacting the Company

Requirements For A Valid Proof Of Claim:

A Proof of Claim will only be valid and meet the terms of insurance if it includes the following:

For any new illness, diagnosis, or injury, an appropriately filled-out, timely submitted, and signed IMG Claim Form is required unless the company offers a written waiver
An Authorization for Release of Medical Information when specifically requested by IMG
All original Universal Billing Forms, Superbill, and service statements from Physicians, Hospitals, and other healthcare providers related to the claim
Submit all original receipts for costs, prescription medications, fees, or expenses incurred by or on behalf of the Insured Person
- Include receipts for both cash and credit card payments
  - Each receipt must have:
    - The service provider’s full name
    - Address
    - Telephone number (including area/country code)
    - Date of service
    - Description of service (including procedure codes)
    - Diagnosis codes
Copies of the above items are acceptable for electronic submissions; however, the Company may request the original documents.

If additional information is needed to complete the Proof of Claim:

Processing will be delayed
The insured will receive an Explanation of Benefits indicating/detailing what is required for further consideration
Failure to provide the necessary information may result in the insured’s claim being closed due to lack of response

Ensuring A Successful IMG Claim

Applying Eligible Medical Expenses

Understand what medical expenses are eligible for reimbursement
Apply eligible medical expenses to your claim
Make sure to include all eligible medical expenses to maximize your reimbursement

Avoiding Common Mistakes

Avoid submitting incomplete or inaccurate claims
Make sure to include all necessary documents and information
Review your claim carefully before submission to avoid mistakes

Timely Filing Requirements:

To submit a complete Proof of Claim. The Insured Person, Hospital, Physician, and other healthcare providers have 180 days from the date a claim is incurred.

The Company May Delay Resolution Or Deny Coverage If:

An incomplete Proof of Claim is received
No Proof of Claim is submitted
The Insured Person, Physician, or Hospital fails to submit a timely Proof of Claim

The Company may require the Insured Person to sign an Authorization for Release of Medical Information or provide additional documentation if needed to make a benefit determination.

The requested information must be submitted within 60 days from the request date. If not received within this period, previously submitted and subsequent claims will be denied.

Common Mistakes While Filing An IMG Claim?

Incomplete Documentation: Failing to provide all required documents or forms, such as medical records or proof of expenses
Missing Deadlines: Submitting claims or required information after the stipulated deadline, which can result in delays or denial
Incorrect Information: Providing inaccurate information on claim forms, including personal details, treatment dates, or expense amounts
Not Following Instructions: Ignoring specific instructions for filing or submitting claims, can lead to processing issues or rejections
Lack Of Evidence: Not including sufficient evidence to support the claim, such as receipts, invoices, or detailed medical records
Failing To Report In Network: Not using in-network providers when required by the insurance plan, or not seeking prior authorization when necessary
Not Understanding Coverage Limits: Submitting claims for expenses that exceed policy limits or are not covered under the plan
Delayed Submission: Waiting too long to file a claim, can result in the claim being considered invalid or late
Miscommunication: Failing to communicate effectively with the insurance provider, leading to misunderstandings or incomplete claims

After Submitting An IMG Claim

Tracking The Status Of Your Claim

Track the status of your claim through the IMG claims page
Keep a record of your claim submission and any communication with the claims department
Follow up with the claims department if you have not received an update on your claim

Resolving Issues With The Claims Department

If you encounter any issues with your claim, contact the claims department
Be prepared to provide additional information or documentation to support your claim
If necessary, file a written formal claims appeal to dispute a denied claim

What If My Claim Is Denied?

Appealing A Claim:

If the Company denies all or part of a claim, the Insured Person has 90 days from the date of the denial notice to appeal the decision
An appeal must be filed before any legal action can be taken under the insurance contract
The appeal should include a written request along with comments, relevant documents, medical records, and other information related to the claim

Appeals should be sent to:

International Medical Group
Attn: Benefit Review
PO Box 240429
Apple Valley, MN 55124
USA

The Company’s review will consider all comments, documents, records, and other information related to the claim, regardless of whether such information was considered in the initial determination.

Upon receiving a written appeal, the Company will conduct further investigation and/or review and promptly respond in writing within 90 days per your particular insurance plan or certificate.

Understanding International Medical Group (IMG) Insurance

Overview Of International Medical Insurance

International Medical Group (IMG) is a worldwide leader in designing, distributing, and administering global healthcare benefits and assistance services
Founded in 1990, IMG provides insurance to customers in over 190 countries and has insured millions of travelers since its inception
Their insurance products combine with an impeccable service record to bring Global Peace of Mind, with 24-hour access to IMG services worldwide
IMG offers travel insurance and trip insurance plans
Some of their popular plans include
- Patriot America Plus
- Patriot America Lite

Summary

Filing a successful IMG claim involves careful preparation and attention to detail.

By following the step-by-step guide outlined above, gathering all necessary documentation, completing the Proof of Claim accurately, and submitting everything within the specified timeframes, you can help ensure a smoother claims process.

Remember to keep thorough records and follow up as needed to address any additional requirements. With careful adherence to these steps, you increase your chances of a favorable outcome and timely resolution of your claim.

Frequently Asked Questions For IMG Claim

How do I file a claim?

To file a claim, complete the claim form available on IMG’s website and submit it along with all required documentation, such as medical records, receipts, and proof of travel. Ensure all information is accurate and submitted within the specified timeframe.

What is the processing time for a claim with IMG?

The processing time for a claim depends on receiving a complete “Proof of Claim” as defined within your plan or Certificate of Insurance.

IMG before making any benefit determinations must receive the “Proof of Claim”. Once IMG receives all necessary information, claims are promptly processed according to industry standards.

However, if additional information is needed to complete the Proof of Claim, the processing will be delayed.

What is the process for filing a claim with IMG?

To File A Claim With IMG Follow these steps:

Review Policy And Eligibility

Review your policy to understand what is covered and what is not
Check your eligibility for filing a claim
Make sure you have all the necessary documents ready

Gather And Organize Documents

Gather all supporting documents, including receipts, bills, and itemized services
Organize documents clearly and concisely
Make sure to include all necessary information to support your claim

Submit The Claim

Submit your claim in writing to IMG along with supporting documents and receipts
Use the claim form provided by IMG to ensure all necessary information is included
Keep a copy of your claim submission for your records

What documents are required for claim submission?

Supporting documentation includes the insured’s ID, copy of passport, copies of all receipts, bills, itemized services, and a claim form
All original receipts and bills, as they may be required for claim submission
Make sure to have all necessary supporting documentation ready before submitting a claim

What is “Proof of Claim” and why is it important?

“Proof of Claim” includes all documentation and information needed to support your claim, such as medical records, receipts, and proof of travel. Providing a complete Proof of Claim is essential for the timely processing of your claim.

How do I track the status of my claim?

Track the status of your claim through the IMG claims page.

What can I do if I disagree with a Benefit Determination made by IMG?

If you disagree with a Benefit Determination made by IMG:

You can submit a formal written appeal to IMG requesting a review of the previously processed claims
Submit your appeal within 90 days of the original claim determination
Include all supporting documentation with your appeal

What does IMG travel medical insurance cover?

IMG travel medical insurance covers a variety of expenses including emergency medical treatment, hospital stays, medical evacuations, trip cancellations, and interruptions. Specific coverage details can be found in your plan documentation.

What should I do if I need medical assistance while traveling?

If you need medical assistance while traveling, contact IMG’s emergency assistance hotline immediately. They can help coordinate care, provide referrals, and arrange for medical evacuation if necessary.

Are pre-existing conditions covered?

Coverage for pre-existing conditions varies by plan. Some plans may include coverage for acute onset of pre-existing conditions. Review your policy details to understand the specific terms and conditions.

What kind of travel protection plans does IMG offer for U.S. residents, and what benefits are included in these plans?

IMG provides travel protection plans for U.S. residents through their iTravelInsured product line.

These plans offer medical coverage for emergencies and include trip protection benefits.

Among these benefits are trip cancellation and trip interruption coverage, which protect your prepaid, non-refundable trip costs.

This plan is underwritten by the United States Fire Insurance Company and SiriusPoint Speciality Insurance Corporation.

Does IMG Trip Insurance offer Cancel For Any Reason Insurance?

Yes, International Medical Group – IMG provides trip cancellation for any reason (CFAR – Cancel for Any Reason) coverage as an optional add-on with some of their trip insurance plans.

I Purchased Trip Insurance from IMG, What should I do if I had to cancel my cruise due to my husband’s medical condition?

If you purchased trip insurance and had to cancel your trip then you need to file the claim with IMG and provide the requested documents.

Conclusion

Filing a claim that complies with all the processes and requirements of the insurance provider ensures your claim is accepted for processing without delays. All claims are ultimately subject to the terms, conditions, and limitations of your specific insurance policy and provider’s guidelines.

The processing and approval of claims are at the discretion of the insurance provider, filing a successful claim is not a guarantee that the claim will be approved or reimbursed.

The claim will go through the checks and balances of the insurance provider to ensure it is legitimate, not fraudulent, and meets the norms for reimbursement.

After you file a claim, follow up with your insurance company and their claims department for regular updates.