Student Insurance
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All Pan Atlantic students are covered by health insurance arranged through Pan Atlantic Foundation called Envisage Global Insurance (EGI).
EGI has a insured member database, Student Zone , which provides you with a one-stop resource for all your insurance needs and you should visit this to familiarize yourself with your insurance plan. It includes information such as: • How to seek medical care • Doctor/hospital search tool • Claims documents • Online claims tracking • Access your policy documents |
All students are required to create a Student Zone account
to ensure they have a smooth and stress-free year!
Insurance Documents
Insurance Support
If participants or host families have any questions about their plan, they can contact IMG directly by phone or email:
IMG is available 24 hours a day, 7 days a week. Translation services are available, you simply need to ask! Please Note – If participants have questions about claims, finding a provider, plan benefits and/or exclusions, etc., they should contact IMG directly for assistance at [email protected]
If participants or host families have any questions about their plan, they can contact IMG directly by phone or email:
- USA Toll Free (855) 731-9445
- USA Direct +1 (317) 927-6806
- [email protected]
IMG is available 24 hours a day, 7 days a week. Translation services are available, you simply need to ask! Please Note – If participants have questions about claims, finding a provider, plan benefits and/or exclusions, etc., they should contact IMG directly for assistance at [email protected]
Frequently Asked Questions
How do I register for my MyIMG account to check my medical claims?
You can register for your MyIMG account once your coverage is active. To do this, please follow the steps below.
- Visit the MyIMG Registration page.
- Enter your IMG Insured ID Number (this can be found on your insurance ID card).
- Enter your Date of Birth.
- Once you have done that, the system will walk you through the rest of the setup process!
How do I file a claim?
Do I need to file a claim after every visit?
You will only need to file a claim if you paid for your visit or any prescription medication out of pocket. You will be able to submit your claim, along with any itemized receipts, bills, medical notes, etc. right online through MyIMG.
If you were not required to pay for your visit upfront, the doctor's office or hospital should submit the claim directly for processing. Once your claim has been processed, or if any additional information, like a Claim Form, Accident Questionnaire, or medical records, are requested, you’ll receive an email letting you know to log in to your MyIMG account so you can check on the status.
Please note: You will only receive an email notification if you’ve already registered for your MyIMG account. We recommend registering for your MyIMG account as soon as possible!
If you were not required to pay for your visit upfront, the doctor's office or hospital should submit the claim directly for processing. Once your claim has been processed, or if any additional information, like a Claim Form, Accident Questionnaire, or medical records, are requested, you’ll receive an email letting you know to log in to your MyIMG account so you can check on the status.
Please note: You will only receive an email notification if you’ve already registered for your MyIMG account. We recommend registering for your MyIMG account as soon as possible!
How can I check on the status of my claim?
You can check on the status of your claims through your online MyIMG account, or by contacting IMG directly with any questions you may have.
- MyIMG
- USA Toll Free: (855) 731-9445
- USA Direct: +1 (317) 927-6806
- Email: [email protected]
What is an Explanation of Benefits (EOB)?
When a claim is processed, you will be sent an Explanation of Benefits (also called an EOB), which will also be accessible through your MyIMG account. This will explain how your claim has been processed or if any additional information has been requested that you will need to submit. The following PDF document will help you read your EOB and understand how the claim has been processed.
I received a bill from my visit, what should I do next?
If you receive a medical bill, you should log in to your MyIMG account to make sure the claim associated with the bill is on file.
- If you do not see this claim through your MyIMG account, we would recommend contacting the phone number on the bill you received to make sure the doctor/hospital has your insurance information on file. You can provide them with the USA claims address listed on your ID card and ask that they submit the claim to the insurance company for processing.
- If the claim is on file, you can download the Explanation of Benefits through your MyIMG account to show how it was processed. If any additional information is needed to get the claim finalized, you can submit this through MyIMG.
- If you aren’t sure if the claim is on file or how it’s been processed, you can contact IMG directly for further assistance.
I want to go Hunting with my Host Family. Is this allowed?
Program rules require that all students comply with local, state, and federal laws, including those related to firearms. It is the responsibility of each student to review the exclusions outlined in their health insurance policy, as detailed in their handbook, visa letter, and the designated program website.
Our insurance policy does not specifically exclude coverage related to firearms, except in cases of self-harm, which is not covered.
All students, natural parents, and host parents have signed agreements confirming their commitment to follow all applicable laws. This includes laws governing the legal use of firearms and the appropriate supervision required by such laws.
However, if any student or host family believes that parental permission is necessary before participating in any activity involving firearms, they are encouraged to contact the student’s natural parents directly.
Our insurance policy does not specifically exclude coverage related to firearms, except in cases of self-harm, which is not covered.
All students, natural parents, and host parents have signed agreements confirming their commitment to follow all applicable laws. This includes laws governing the legal use of firearms and the appropriate supervision required by such laws.
However, if any student or host family believes that parental permission is necessary before participating in any activity involving firearms, they are encouraged to contact the student’s natural parents directly.
Many host families have ATV’s or farm equipment. Are students allowed to drive these?
Program rules require that all students comply with local, state, and federal laws, including those pertaining to the use of motorized vehicles. Please note that operating automobiles is strictly prohibited under program policy. Students are responsible for reviewing the exclusions in their health insurance coverage, which are outlined in their handbook, visa letter, and on the designated program website. Our insurance policy does not include any specific exclusions related to the use of motorized vehicles. All students, natural parents, and host parents have signed documentation agreeing to abide by applicable laws. This includes laws governing the legal use of motorized vehicles and any required supervision. If a student or host family believes that explicit permission from the natural parents is needed for participation in activities involving motorized vehicles, they are encouraged to contact the natural parents directly.
Medical Treatment in the USA
This video explains Emergency Room, Urgent Care and Dr. Office visits and when you should seek care at each one.
You can also use this diagram to decide which provider to visit.
You can also use this diagram to decide which provider to visit.