Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
IMG Global in Colombia
IMG Global offers a strong middle ground between budget travel insurance and premium international health plans. For Colombia expats who want comprehensive coverage without paying top-tier prices, IMG delivers excellent value.
With flexible plan options and competitive pricing, IMG has become popular among digital nomads and expats throughout Latin America, including Colombia's growing remote worker community.
$100-180
Monthly (Age 35)
Flexible
Customizable plans
Good Value
Competitive pricing
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Flexible coverage at competitive prices for Colombia expats.
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Why IMG for Colombia
IMG Global works well for Colombia expats for several reasons:
Price-Performance Balance
IMG sits in the sweet spot between budget options (like SafetyWing) and premium insurers (like Cigna). You get comprehensive coverage—including outpatient benefits—at prices that don't break the bank.
Plan Flexibility
- Multiple deductible options ($0 to $25,000)
- Choose your coverage area (regional or worldwide)
- Add or exclude specific benefits
- Annual or semi-annual payment options
Digital Nomad Friendly
- Meets Colombia visa requirements
- Easy online enrollment and management
- Coverage continues while traveling
- Portable if you relocate
Hospital Network
IMG works with major hospitals throughout Colombia:
- Bogotá: Access to Fundación Santa Fe, Clínica del Country
- Medellín: Coverage at Las Américas, Pablo Tobón Uribe
- Other cities: Network access in Cartagena, Cali, Barranquilla
Plans and Pricing
| Plan | Coverage | Price (Age 35) |
|---|---|---|
| Global Medical Insurance | Inpatient + outpatient | $100-150/mo |
| Global Medical Insurance Plus | Comprehensive | $150-180/mo |
Prices shown for healthy 35-year-old. Actual premiums depend on age, health history, selected coverage, and deductible.
Cost Factors
- Deductible: Big impact on premiums—$2,500 deductible can reduce costs 30%+
- Age: Premiums increase with age
- Coverage area: Americas-only vs worldwide
- US coverage: Including US adds to premiums
High-Deductible Strategy
In Colombia, where routine care is affordable, a high-deductible IMG plan makes sense. Pay out-of-pocket for GP visits and minor issues, let insurance handle expensive hospitalizations and emergencies.
Coverage Details
What's Covered
- Inpatient: Hospital stays, surgery, ICU
- Outpatient: Doctor visits, specialists, diagnostics
- Emergency: Worldwide emergency coverage
- Evacuation: Medical evacuation included
- Prescription drugs: Outpatient medications covered
- Mental health: Coverage included (with limits)
Limitations
- Pre-existing conditions: 12-month exclusion period
- Maternity: Optional, requires waiting period
- Dental: Limited benefits, better as standalone
Who It's Best For
Digital Nomads
IMG's combination of comprehensive coverage, reasonable pricing, and flexibility makes it ideal for digital nomads based in Colombia. It meets visa requirements and provides peace of mind without the premium insurer price tag.
Cost-Conscious Expats
If you want more than basic travel insurance but don't need (or want to pay for) premium coverage, IMG hits the sweet spot. The coverage is solid, and the price is right.
Medium-term Stays
For expats planning to stay in Colombia for 1-5 years, IMG provides appropriate coverage without locking you into premium long-term commitments.
Compare IMG Plans for Colombia
Find flexible coverage at the right price.
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Disclaimer: Prices and coverage details are estimates based on typical scenarios. Get a personalized quote for accurate pricing based on your age, health, and coverage needs.
