I have had an IMG Europe policy for 3 years and only had to claim last year when my daughter was rushed to hospital after unexpectedly collapsing. I found their helpline helpful and they even called to check on her progress.
Luckily she was released after a week, it was a viral infection. Once I'd filled in the forms I had no problems getting the claim paid, although my doctor took his time helping with the form. IMG paid the hospital bills directly, I had to my the policy excess though (but I guess that's fair enough). I'd definitely recommend them based on our experience. We used their website www.imgeurope.co.uk to find a local doctor as well when we went on holiday as my son got an infected insect bite too - I had to pay the doctor and claim back from IMG - it took a coupla weeks.
I guess no insurance company can pay every claim or they'd go bust!! - but I have no complaints about IMG but its important to read the small print as I guess some people dont read what they've bought and expect it to pay for everything?
IMG is an excellent company that pays valid claims. I had purchased the insurance for my parents visiting the US and unfortunately my father got sick and had to be hospitalized. They were very prompt and paid all the bills on time.
All I had to do was show the providers my insurance card that I had received in the mail. The doctors and the hospitals billed the insurance company directly. Because they were in the PPO network, they only charged the network negotiated fees.
Thank you IMG. I would recommend IMG to all my friends and family members. I have purchased this insurance for my in-laws who came last year (fortunately nothing happened). I have also purchased the schengen visa insurance from them when I was visiting Germany a couple of years ago.
Overall very good experience and support.
Many people make invalid complaints because they do not know how the short term plans work and what the terms and conditions are.
And I think most people only post the bad reviews, but ignore to spread the good word when everything is doing good. Therefore, I thought of writing this review.