IMG Global Medical

Global Medical Insurance covers inpatient and outpatient treatment, maternity after a waiting period, and options for dental and vision, priced by age band and family size rather than trip length. It's guaranteed renewable for life once issued, which is a meaningful commitment from an insurer and a real point of difference from plans that can decline to renew a policy after a bad claims year. Coverage applies worldwide, including limited coverage back in the US for visits home.

Pre-existing conditions are underwritten individually at application, so outcomes vary depending on the condition and how it's disclosed, rather than a blanket exclusion or waiting period. IMG's claims and assistance infrastructure, the same backbone behind its shorter-term Patriot plans, handles direct billing and evacuation coordination for Global Medical policyholders too. It suits an expat family wanting one insurer across a multi-year assignment rather than switching plans as the length of a stay abroad changes.