Avoid this business! It is complete scam! They are taking your money without providing you any service. Representatives are rood, incompetent. Wait time on the phone about 40 minutes. I purchased visitors insurance for my parents for their visit me here, in the USA. It happened that my father started to feel weird - jumping blood pressure, excessive heartbeat. Etc. We took him to ER. Needless to say, that the claim has been denied by IMG as treatment for pre-existing condition. They cannot tell you what kind of documents you have to provide to prove otherwise. By default all conditions for them is pre-existing, besides maybe car accident, but those medical expenses will be posted to auto insurance company of fault site. Never by any type of medical insurance from this company! If you have extra $140.00, donate it to some children's program - you'll see more benefits from this done.

Great people to work with. Answered all my questions. I'll definitely use them every time I travel.