So, it’s time to get real with you guys for a sec. I know this isn’t as light a topic as I usually try to tone this blog to, but this time, please let me warn you about this fraud travel insurance I came across.
I figured I would need some precautionary health insurance during my 3 months abroad in Japan. And so per recommendation from my current American health insurance consultant, I went with IMG Global (International Medical Group).
My honest review is this: IMGLOBAL IS A FUCKING SCAM, FRAUD, AND THIEF. PLEASE GO SOMEWHERE ELSE WITH YOUR BUSINESS.
During the beginning of my stay here, I had a few health issues that worried me. Namely, a travel diarrhea that evolved into severe constipation and an inability to sleep and eat (I know; I should’ve drank more water on the plane and ate more yogurt, but now is not the time for regrets).
My wonderful boyfriend took me to see a doctor, who took some blood and prescribed me with some drugs. Here, I paid everything out of pocket, because the doctor wouldn’t accept the IMGLOBAL ID CARD that was issued to me.
In the mean time, I sent IMGlobal a quick email, asking a few tips on how their file claim system works, to which I received their reply WE CAN’T FIND your information. PLEASE RESPOND WITH YOUR CERTIFICATE NUMBER, INSURED ID NUMBER, AND ITS EFFECTIVE DATE AND EXPIRATION DATE.
That’s a lot of information to NOT HAVE on your client, but okay, resent them the email with all those little information bits they were unable to find. Finally got a response after a few days.
Here’s where shit gets really dicey.
After I was feeling a bit better, I sent in my claim on their useless-ass website on January 14th. They told me they would let me know once my claim went through the Claims Department.
THEY NEVER DID.
I checked the website TWO MONTHS later, just to see if the claim actually went through.
It did. I was NEVER INFORMED by IMGlobal. And it said on the website that they had DENIED MY CLAIM. They would cover $0 of my $80.17. News to me.
I have a right to submit an appeal, but on the “Submit Appeal” website, NO CONTACT INFORMATION OR DIRECTION WAS GIVEN.
I immediately send them a very polite email to the generic address I had been using, telling them that I NEVER RECEIVED A DENIAL LETTER, and ultimately asking why they had denied me (as I have the right to submit an appeal). I gave them the claim reference number, I gave them my ID number, and asked for a prompt response.
THREE DAYS LATER (March 6), I got a response (their responses, in general, are VERY SLOW, usually DAYS OR WEEKS LATER):
“Unfortunately we are not able to locate the claim in question. Please provide us with a screen shot of your online account so we can research this further for you.”
What the fuck.
I send them screenshots, I send them doctor’s receipts. I send them all my original documentation I had originally posted on their website, all in attachments on my response email. (March 9)
I get a response (March 12), saying “An Explanation of Benefits, detailing claim determination and/or additional information required, will be sent to the address on file and will become accessible online, once processing is complete.”
IT’S BEEN MORE THAN A WEEK LATER, AND NO RESPONSE FROM THEIR “CLAIMS DEPARTMENT”.
IMG is a THIEF, is NOT COMMITTED to its clients, and when you google it, just look under the comments sections to find more horror stories. One guy actually wrote that his wife got hit by a car and IMG didn’t pay a penny!!
I’ve been had. And it’s a really, REALLY annoying feeling. So from here on out, I guess I’ll try harder not break an arm or something while I’m out here, because you can bet your bottom dollar, that I’ll be paying for it ALL OUT-OF-POCKET, NO THANKS to IMGlobal.
Needless to say, I’ll be writing an email to my American insurance consultant shortly upon my return to the States, asking her NOT to recommend this joke company to anyone else. Buyers and international travelers, please be warned.