do nrma offer travel insurance

Flexible travel insurance options across Australia and overseas when you buy with NRMA. With many levels of cover, from international to multi-trip they have a policy to suit every budget. Policies are available to those of any age with certain conditions. Dependants travel for free with parent or grandparent. They offer 24/7 emergency assistance no matter where you are in the world. Underwritten by Zurich Australian Insurance Limited.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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NRMA Travel Insurance

Important information on terms, conditions and sub-limits.

Are you considering an NRMA travel insurance policy for your next holiday? We’ve done the research for you, so you can get an overview of what is included and excluded with NRMA travel insurance.

With over 90 years of experience, NRMA offers a wide variety of insurance products. Their travel insurance policies are underwritten by Zurich Australian Insurance Limited.

NRMA offers both international travel insurance and domestic travel insurance , with the option for single-trip or multi-trip plans. 

Have a look at the table below for an overview of NRMA’s travel insurance options, including what levels of coverage are available, and what’s included and excluded in each tier. 

Check out Mozo’s data fields or the NRMA Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policies.

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Essentials Plan

$10,000,000

Choose $2,000 to unlimited

Assessment required, may cost extra

Comprehensive Plan

Comprehensive annual multi-trip.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does NRMA travel insurance have COVID-19 cover? 

Yes, NRMA travel insurance includes some coverage for COVID-19, but only in relation to policy benefits that cover overseas medical expenses (including emergency evacuation or repatriation) and additional expenses. 

The amount of money that your policy covers you for when it comes to Covid-related claims depends on your level of cover, where the Comprehensive plan offers a higher payout than the Essentials or Domestic plans. 

There are also some exclusions to COVID-19 coverage that you need to be aware of, such as:

Some COVID-19 benefits only apply to travel in Australia and New Zealand 

The policy won’t cover you when you travel to a destination against Smartraveller’s ‘Do not travel’ advice 

There is no cover for border closures or mandatory quarantine 

Some benefits won’t apply when you’re travelling on a multi-night cruise 

You will likely need to pay a ‘special excess’ in addition to the standard excess rate when making a travel insurance claim for Covid-related incidents. 

For more information, including the types of claims eligible for cover and any exclusions, have a look at the NRMA travel insurance PDS. 

What optional extras can I add to my NRMA travel insurance policy? 

If you’re planning on going skiing or sailing into the horizon on a cruise holiday, then you may need to look into the optional extras that NRMA offers, as some types of activities won’t be covered by their standard policies.

These optional extras typically incur an extra premium, on top of what your base policy costs. 

The optional extras you can purchase include: 

Snow travel insurance

Cruise travel insurance

Moped/motorcycle riding cover 

Pre-existing medical conditions 

Increased item luggage limits.

For details about what each of these optional extras includes and excludes, check out the NRMA travel insurance PDS. 

Are pre-existing medical conditions covered under NRMA travel insurance?

There are a range of pre-existing medical conditions that are automatically covered under an NRMA travel insurance policy, but you’ll still need to seek approval for coverage. That means you’ll need to notify NRMA of any medical conditions you have so that they feature on your certificate of insurance. 

Some conditions that aren’t automatically covered will need to be assessed by NRMA before approval for coverage is granted. 

You may need to pay an extra premium on top of the base policy cost in order for your pre-existing condition to be covered. 

What do I do if there’s an emergency during my trip? 

For 24-hour emergency assistance while you’re on your trip you can call: 

New Zealand: 0800 033 533 

UK: 0800 656 9946 

USA: 1855 812 4898 

Canada: 1855 812 4898

Other countries: + 61 2 8907 5584

If you have general questions, call the NRMA enquiries line on 1300 305 790. 

How do I make a claim with NRMA travel insurance?

To make a travel insurance claim with NRMA, head over to their travel insurance website and follow the links to their online claims portal. 

You’ll need to have documents that support your claim ready to go, like a police report if you’ve been a victim of theft. 

NRMA aims to process your claim within 10 working days. 

Is it possible to cancel my NRMA travel insurance policy?

If you need to cancel your NRMA travel insurance policy, there’s a 21-day cooling-off period in which you may be eligible for a full refund. 

After the 21 days is up, however, you may only be eligible for a partial refund of your premium for the unexpired period of cover. 

If you have already started your journey, you will not be eligible for a refund of your premium at all. 

To cancel your cover, call 1300 135 640 or email [email protected] .

NRMA customer reviews

Nrma travel insurance.

Overall 8.6

Value for money

Policy coverage

Customer service

Claims handling

Recent NRMA travel insurance customer reviews Recent NRMA travel insurance customer reviews

NRMA Travel Insurance review

Overall rating   10 / 10

Worth using their services

Excellent support. As a single female travelling abroad its imperitive that I have an insurer I can trust to look after me. These guys do it in spades!

Full review

Value for money   10 / 10

Policy coverage   10 / 10

Customer service   10 / 10

Claims handling   10 / 10

Trust   10 / 10

Katrina, Queensland, reviewed almost 6 years ago

Overall rating   9 / 10

Excellent staff from front offices to the end

Quick service professional, and curtsies, could get a loaned car as we paid extra it was worth it. Could not fault from accident to repairs.

Value for money   8 / 10

Trust   8 / 10

Cecily, New South Wales, reviewed over 8 years ago

Customer orientated and reasonable rates.

In my experience the insurer was very helpful in identifying the need of getting cover before travelling overseas this helped in providing peace of mind, especially knowing that health facilities are not of the same standards as provided in...

In my experience the insurer was very helpful in identifying the need of getting cover before travelling overseas this helped in providing peace of mind, especially knowing that health facilities are not of the same standards as provided in Australia.

Kena, New South Wales, reviewed almost 9 years ago

Overall rating   5 / 10

Can count on them

Very trustworthy

Value for money   7 / 10

Trust   9 / 10

Tom, Queensland, reviewed almost 9 years ago

Very professional & affordable.

Very professional & affordable.

Value for money   9 / 10

John, New South Wales, reviewed over 8 years ago

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Travel insurance

NRMA Comprehensive Multi-Trip review

Annual policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

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How to Pick the Right Travel Insurance

Here’s how to cut through the jargon and get the plan that’s right for you.

Lynn Asinof and Adam Pitluk,

The idea of buying travel insurance is simple enough: Once you’ve shelled out thousands of dollars for your special trip, you don’t want to lose money if you have to cancel. Or you don’t want to pay thousands more if you have a mid-trip  medical emergency .

Although   purchasing travel insurance can be complicated, experts say it’s helpful when you do it right. If you look at these policies, you’ll understand why Robert Hunter, insurance director emeritus for the Consumer Federation of America, says virtually no one reads them. There are enough riders, waivers, exceptions, limitations and disqualifying events to baffle even the most expert interpreter of foreign-language train schedules.

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“The terminology is confusing,” Hunter says. “People can’t understand what the policies mean.”

How do you figure out whether you need travel insurance, what coverage you need and what to look out for when you buy it? This Q&A guide will help you choose coverage — should you decide to buy any at all.

Do I need travel insurance?

For starters, if you’re traveling abroad, ask your health insurer if it covers international medical bills. If not, you want to buy a travel policy that includes travel health coverage. 

Plan for your big trip

•   Medicare while on vacation •   Medicare coverage outside USA •   How to pick travel insurance •   Thinking about flight insurance? •   Members only: Stream TV abroad

With rare exceptions, traditional  Medicare  doesn’t cover health problems when you’re traveling outside the U.S., but some Medicare Advantage and Medigap plans do. Matt Kepnes, of nomadicmatt.com, a travel website, recommends $100,000 in emergency medical coverage and at least $300,000 in coverage for a medical evacuation.

“I never travel abroad without travel insurance,” he says. “I’ve had bags lost and stolen, my camera broke, my eardrum popped while diving, and I’ve even been mugged and stabbed. While you’re likely going to be fine 99 percent of the time, the risk just isn’t worth it. Moreover, emergency evacuations can cost upwards of hundreds of thousands of dollars. The past is not prologue, and it’s important to have coverage in case anything happens.”

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Is travel insurance worth it?

Seasoned travelers know that regardless of how well you plan, and even if you packed for any type of weather, life happens.

Meghan Walch, director of product for InsureMyTrip.com, says she hopes you never have to use travel insurance, but without it, you might be out a lot of money.   

“Travel insurance is not one-size-fits-all and may not be necessary or ‘worth it’ for every trip,” Walch says. She suggests considering your trip and your travel partners to determine whether you need to buy insurance.

Essentially, if you’re worried about the unforeseen “ifs,” it’s better to err on the side of caution.    

Holland America Line

Up to $200 onboard credit on select cruises

What if I break my leg two days before my trip?

A last-minute unforeseen health emergency that prevents you from traveling should be covered by trip cancellation insurance. To figure out how much coverage you should purchase, add up all your nonrefundable expenses for such things as airline tickets, cruise cost, tours and prepaid excursions. You’ll need to buy coverage for 100 percent of these costs to be eligible for certain benefits such as the preexisting condition waiver.

To collect, you’ll need a note from your doctor certifying that you are unable to travel and including the details of your diagnosis or injury.

Are there special considerations for older travelers?

Although this is not always the case, older travelers are more likely to have a  preexisting medical condition . “Coverage for preexisting medical conditions can typically be included in a travel insurance policy at no additional premium, as long as the policy is purchased shortly after booking the trip (typically 14 to 21 days post-booking),” says Megan Moncrief, president of squaremouth.com, an online travel-insurance comparison site. “If an older traveler is concerned about an existing condition, they should purchase the policy as soon as possible upon booking a trip.”

If COVID-19  taught travelers anything, it’s that flights or entire trips can be canceled without notice. Although the airlines reimbursed travelers during COVID, there’s no guarantee they’ll do so today. Moncrief says to take that into consideration when considering travel insurance. “While the COVID-19 pandemic highlighted the benefits — and in some cases, requirements — to travel with insurance, several of the   benefits included within most plans are perhaps even more relevant today.”

If my widowed mother has a medical emergency while I’m traveling, am I covered if I drop everything and head home?

An event that causes your trip to be cut short falls under trip interruption coverage. One common scenario Moncrief cites: the serious illness or unexpected death of a close relative such as a mother, brother or child. To make a claim in this situation, you’ll need a doctor’s note to get reimbursed. And your relative has to have been medically fit at the time you bought the insurance (which, again, you must buy on a timely basis).

I’d like to go on a Caribbean cruise this fall. What if it’s canceled because of a hurricane? Or what if my flight to Miami is delayed and I miss the boat?

A cruise called off as a hurricane barrels toward Florida would indeed be covered by trip cancellation insurance, assuming you bought it before the hurricane was forecast. Some policies provide “cruise only” missed connection coverage that will pay for flying you to the next destination port if you miss the boat because of flight delays.

Check a policy’s wording carefully: You might not be covered for a delayed flight if your plane’s scheduled arrival falls too close to your ship’s departure. If a cruise is rerouted, not canceled, to avoid a storm, you probably won’t get any reimbursement. Some plans may let you cancel if your destination is subject to a hurricane warning close to your departure date.

More buying tips

Comparison shop …  Cruise lines, group trip operators and airlines all offer add-on trip insurance when you buy your tickets. But it typically isn’t a good deal, says Robert Hunter, who suggests contacting insurers directly for details on prices and coverage.

… but don’t dawdle.  There are numerous insurance benefits that are available only if you buy coverage shortly after you make your first trip payment — including any nonrefundable deposits. As you make additional nonrefundable payments, you can usually increase the amount of your coverage.

Know your needs …  Insurable trip cost is not the same as total trip cost. Prepaid, nonrefundable costs are typically covered, as are expenses that you will be billed for if you cancel your trip. Tickets purchased with frequent-flier miles aren’t covered, though taxes and related fees might be.

… but don’t overbuy.  Are you taking a cheap flight to Chile and staying with friends? Instead of paying for a comprehensive policy that includes cancellation and interruption coverage, you can probably pay less for a policy that covers medical issues only. For lost luggage, you may have sufficient coverage on your homeowners policy or the credit card you use to book your trip.

What if I’m worried about all of the above, plus pickpockets?

Comprehensive travel insurance policies are designed to cover a wide range of risks, from trip cancellation and interruption to travel delay, baggage protection, medical issues, emergency evacuation and 24-hour assistance. Some policies will even reimburse you a set amount toward the cost of a new passport. A standard comprehensive policy can add 4 to 10 percent to the cost of your trip.

Editor's note: This article was originally published on April 9, 2019. It has been updated to reflect new information.

Lynn Asinof is a personal finance journalist who spent 20 years at  The Wall Street Journal, Money, Fortune  and  The Boston Globe .  Adam Pitluk is an award-winning journalist and book author. He is the group publisher of  Midwest Luxury Publishing  and  Groom Lake Media . 

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Covers your car in an accident, plus other people’s cars and property if it’s your fault

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Is IMG Travel Insurance Good? A Review of Pros, Cons, and Customer Feedback

IMG travel insurance provides strong international and domestic coverage with high medical limits. It has a good reputation for customer support and a straightforward claims process, according to user reviews. However, it tends to be pricier. Review ratings to make an informed choice about your travel insurance.

However, some users report challenges with the claims process. Delays and documentation requirements can create frustration. Additionally, certain policies may not cover pre-existing conditions, which could be a drawback for travelers with existing health issues.

Customer feedback varies widely. While many praise IMG for its customer service and coverage options, others express dissatisfaction with claim resolutions. Evaluating both sides helps potential buyers understand if IMG Travel Insurance aligns with their travel expectations.

Overall, potential customers should weigh the pros and cons. They must consider personal travel circumstances and health needs. Doing so ensures they make informed decisions. In the following section, we will explore specific customer experiences and detailed comparisons to help you determine if IMG Travel Insurance meets your travel insurance needs.

What Are the Key Features of IMG Travel Insurance?

IMG Travel Insurance offers comprehensive coverage options for travelers seeking protection from unforeseen events during their trips.

Key features of IMG Travel Insurance include: 1. Medical coverage 2. Trip cancellation protection 3. Emergency medical evacuation 4. Coverage for lost or delayed luggage 5. 24/7 travel assistance services 6. Pre-existing condition coverage (for certain plans) 7. Adventure sports coverage (for certain plans) 8. Customized policy options

The varying attributes of IMG Travel Insurance provide a wide range of options for consumers. However, opinions about these features can differ. Some travelers appreciate the flexibility and extensive coverage, while others may find certain exclusions or limitations problematic.

Medical Coverage: Medical coverage in IMG Travel Insurance provides financial protection for emergency medical expenses incurred while traveling. This includes hospital stays, surgeries, and outpatient care. According to the U.S. State Department, medical costs abroad can be significant, making this coverage essential for many travelers.

Trip Cancellation Protection: Trip cancellation protection enables travelers to recoup costs if they must cancel their trip for covered reasons, such as illness or family emergencies. This is especially crucial for flights, hotel bookings, and tours that may not be refundable otherwise.

Emergency Medical Evacuation: Emergency medical evacuation offers coverage for transportation to a suitable medical facility in case of a severe medical condition. This feature is vital for travelers in remote or underserved locations, where local medical facilities may lack adequate resources.

Coverage for Lost or Delayed Luggage: IMG Travel Insurance provides compensation for lost or delayed luggage, helping travelers replace essential items or recover lost belongings. This feature can alleviate stress in the event of travel disruptions.

24/7 Travel Assistance Services: 24/7 travel assistance services offer support for policyholders in emergencies. This can include help with locating local medical providers, arranging transportation, and providing legal referrals. This service ensures peace of mind for travelers, knowing they have immediate support.

Pre-existing Condition Coverage: Certain IMG policies include coverage for pre-existing conditions, which is beneficial for travelers with chronic health issues. This coverage typically comes with specific conditions and requirements, so travelers must understand these limitations.

Adventure Sports Coverage: Adventure sports coverage is available for those planning to engage in high-risk activities during their travels. It provides necessary medical and liability coverage that standard plans might exclude.

Customized Policy Options: IMG Travel Insurance allows customers to tailor their coverage plans based on individual needs. Consumers can select the benefits and limits that suit their travel situations. This flexibility appeals to diverse travelers, each with different requirements.

Overall, IMG Travel Insurance presents various features that cater to a wide audience, ensuring that travelers can choose the best coverage for their needs while navigating the uncertainties of travel.

What Types of Plans Does IMG Offer for Travelers?

IMG offers various travel insurance plans designed to meet different needs. The main types of plans include the following:

• Travel Medical Insurance
• Trip Insurance
• Visitor Insurance
• International Student Insurance
• Expatriate Insurance

These categories encompass a range of options that cater to diverse traveler profiles and scenarios. Understanding these plans can help travelers make informed choices based on their specific requirements.

Travel Medical Insurance: Travel Medical Insurance is designed to cover medical expenses incurred while traveling. It typically includes emergency medical treatment, hospitalization, and evacuation services. According to a 2021 report from the US Travel Insurance Association, approximately 42% of travelers purchase this type of insurance due to rising healthcare costs abroad. For instance, a traveler in Europe may face high medical bills without adequate coverage.

Trip Insurance: Trip Insurance protects travelers against losses related to trip cancellations or interruptions. This coverage often includes reasons such as illness, injury, or unforeseen events. For example, if a traveler cancels their flight due to a family emergency, Trip Insurance may reimburse non-refundable expenses. The insurance can also cover travel delays and lost luggage. A 2020 study by Squaremouth indicated that 25% of travelers were unable to use their purchased tickets due to unexpected circumstances, showcasing the importance of this insurance.

Visitor Insurance: Visitor Insurance caters to non-US residents traveling to the United States. It covers medical expenses, as well as emergency evacuation and repatriation. Since many international visitors may face expensive healthcare costs in the US, this insurance type is vital. A 2019 report highlighted that nearly 30% of international visitors did not purchase health insurance, exposing themselves to potential financial risks.

International Student Insurance: International Student Insurance provides coverage tailored for students studying abroad. It often includes medical expenses, mental health resources, and accident coverage. The Institute of International Education reported that over 1 million international students studied in the US in 2020, indicating a significant market for this type of insurance. These students require health coverage that meets school requirements and accommodates their specific lifestyles.

Expatriate Insurance: Expatriate Insurance is designed for individuals living and working abroad for extended periods. This insurance type typically includes comprehensive medical, dental, and repatriation coverage. A 2021 report from HSBC suggested that over 66% of expatriates report health issues while living overseas, further emphasizing the need for this insurance. For example, a British expatriate in Australia may require ongoing healthcare services, highlighting the plan’s relevance.

How Customizable Are IMG Travel Insurance Policies to Individual Needs?

IMG Travel Insurance policies are highly customizable to meet individual needs.

Customers can tailor their IMG Travel Insurance policies based on several factors. Coverage options include trip cancellation, medical expenses, emergency evacuation, and baggage loss. Policyholders can select the limits of coverage that suit their requirements. Additionally, they can choose from various deductibles. This flexibility allows individuals to adjust their plans according to their travel and health circumstances.

When comparing methods for customization, IMG offers several avenues. First, customers can explore different packages. These packages cater to various scenarios, such as international travel or specific activities like adventure sports. Second, individuals can personalize their coverage by adding optional benefits. For example, they may choose to include pre-existing condition coverage or coverage for extreme sports. Third, customers can adjust the duration of coverage, which accommodates short trips versus extended journeys.

To customize a policy, follow these steps. First, visit the IMG website or contact an agent. Second, select a base plan that aligns with your travel needs. Third, review optional benefits that can be added to the chosen plan. Fourth, determine the coverage limits and deductibles. Finally, complete the application process and confirm the details.

In conclusion, IMG Travel Insurance policies offer extensive customization options. Travelers should assess their specific risks and needs before selecting a plan. It is also beneficial to compare policy features thoroughly to ensure comprehensive coverage.

What Are the Pros of Choosing IMG Travel Insurance?

Choosing IMG Travel Insurance offers several benefits that can enhance your travel experience and provide peace of mind.

• Comprehensive Coverage
• Flexible Plans
• 24/7 Customer Support
• High Claim Satisfaction Rate
• Worldwide Access to Services
• Trip Interruption and Cancellation Benefits
• Affordable Premiums
• Add-On Options for Specific Needs
• Exclusion Clarity

The advantages of IMG Travel Insurance reflect its adaptability and range, catering to various travel scenarios.

Comprehensive Coverage: Comprehensive coverage in IMG Travel Insurance includes protection against unexpected events like medical emergencies, trip cancellations, and lost luggage. Travelers have the reassurance of financial protection during unforeseen circumstances. According to IMG’s policy documentation, plans often cover both emergency medical expenses and emergency evacuations.

Flexible Plans: IMG Travel Insurance provides flexible plans that meet varied travel needs. Customers can choose from single trip, multi-trip, or long-term insurance options. This adaptability is crucial for travelers with different destinations and durations. For example, individuals planning a short vacation can select a basic plan, while frequent travelers may opt for multi-trip coverage.

24/7 Customer Support: IMG Travel Insurance offers round-the-clock customer service, providing assistance whenever needed, no matter the global time zone. This support is essential during emergencies. A 2019 survey by the National Association of Insurance Commissioners (NAIC) revealed that timely customer support significantly improves claim resolution efficiency.

High Claim Satisfaction Rate: IMG boasts a high claim satisfaction rate among users, indicating reliability in fulfilling policy terms. A 2020 report by the Insurance Information Institute noted that over 85% of IMG’s customers reported positive experiences with the claims process, emphasizing its efficiency.

Worldwide Access to Services: Worldwide access allows travelers to seek services effortlessly while abroad. IMG has partnerships with numerous medical facilities and providers globally, facilitating prompt access to care. This global network covers travel to both urban and rural areas.

Trip Interruption and Cancellation Benefits: Trip interruption and cancellation benefits protect against financial losses due to unforeseen changes, such as illness or natural disasters. For example, if a traveler has to cancel their trip due to a medical emergency, they can recover trip costs, thus securing their investment.

Affordable Premiums: Affordable premiums make IMG Travel Insurance accessible to a broad audience. Plans are competitively priced, catering to different budgets. For instance, according to data from the American Association of Insurance Services, IMG’s pricing structures are consistently lower than many competitors, making them appealing for cost-conscious travelers.

Add-On Options for Specific Needs: IMG offers add-on options tailored to specific needs, such as adventure sports or additional medical coverage. This flexibility allows travelers engaging in unique activities, such as skydiving, to secure specialized protection.

Exclusion Clarity: Clarity about exclusions within the policies reduces misunderstandings. IMG outlines specific exclusions in their plans to ensure customers understand limits. This transparency helps consumers make informed choices about their coverage.

Overall, the pros of choosing IMG Travel Insurance reflect its capability to enhance travel security and offer tailored solutions.

What Medical Coverage Does IMG Provide for Emergencies?

IMG provides emergency medical coverage for various situations, including hospitalization, surgery, and emergency transportation.

The main points related to IMG’s emergency medical coverage include the following: 1. Hospitalization costs 2. Surgical expenses 3. Emergency medical transportation 4. Prescription medication coverage 5. Acute illness and injury treatment 6. Return of dependents 7. 24/7 customer service support

The coverage options available demonstrate IMG’s commitment to providing comprehensive support during emergencies.

Hospitalization Costs : Hospitalization costs are covered by IMG for eligible medical emergencies. This includes expenses for room and board, nursing services, and necessary medical equipment. According to the IMG policy guidelines, coverage typically begins when a member is admitted to a hospital due to an emergency. An example is a policyholder who needs overnight care due to a severe injury experienced while traveling.

Surgical Expenses : Surgical expenses are part of IMG’s emergency medical coverage. This applies to necessary surgical procedures resulting from accidents or sudden illnesses. For instance, if a traveler sustains a broken leg in an accident and requires surgery, the costs associated with that surgery would be covered. This may include surgeon fees, anesthesiology, and operating room charges.

Emergency Medical Transportation : Emergency medical transportation covers the cost of transferring a member from one healthcare facility to another when the situation demands it. This can include ambulance services or air evacuation in critical cases. For instance, if a person is injured in a remote area, IMG may provide air ambulance services to ensure they receive timely care.

Prescription Medication Coverage : Prescription medication coverage is included for medications necessary to treat covered medical conditions during the emergency. This ensures that individuals receive the appropriate medications while undergoing treatment. For example, a policyholder requiring pain relief following surgery would have their medications covered under the policy.

Acute Illness and Injury Treatment : IMG covers treatment for acute illnesses or injuries that arise unexpectedly. This can include everything from common illnesses to more severe health issues that need immediate medical attention. A case example could involve an individual who develops food poisoning while traveling and needs immediate hospital care.

Return of Dependents : IMG provides coverage for the return of dependents in the event that a policyholder is incapacitated. This ensures that minor children or dependents can return home safely, reflecting IMG’s commitment to traveler safety. For example, if a parent is hospitalized abroad, IMG could facilitate the safe return of their minor child.

24/7 Customer Service Support : IMG offers 24/7 customer service support to assist members in emergencies. Travelers can contact customer service at any hour for help navigating their coverage and accessing medical care. This feature is critical in facilitating prompt assistance during emergencies.

In summary, IMG’s emergency medical coverage encompasses a wide range of services to ensure members receive necessary medical attention during travel emergencies.

What Additional Benefits Does IMG Travel Insurance Offer?

IMG Travel Insurance offers various additional benefits to its policyholders beyond standard coverage, enhancing the overall protection and support travelers receive.

• Coverage for pre-existing conditions
• Trip interruption and cancellation benefits
• Emergency medical transportation
• 24/7 travel assistance services
• Coverage for extreme sports and activities
• Baggage loss and delay coverage
• Rental car damage coverage

These benefits illustrate the comprehensive nature of IMG Travel Insurance, catering to different traveler needs and situations.

Coverage for pre-existing conditions : IMG Travel Insurance provides coverage for certain pre-existing medical conditions, which can be a significant benefit for travelers with ongoing health issues. This coverage offers peace of mind, as many policies exclude such conditions. It’s essential to understand the specific terms and the timeframe for eligibility when seeking this provision.

Trip interruption and cancellation benefits : Trip interruption and cancellation benefits are crucial for travelers who face unforeseen circumstances. This benefit reimburses travelers for non-refundable expenses incurred due to trip cancellations or interruptions caused by legitimate reasons, such as illness, family emergencies, or natural disasters.

Emergency medical transportation : Emergency medical transportation is a vital feature included in IMG’s plans. This benefit covers costs related to transporting insured individuals to appropriate medical facilities during emergencies. In cases where immediate care cannot be accessed locally, this feature ensures timely assistance and necessary medical attention.

24/7 travel assistance services : The inclusion of 24/7 travel assistance services allows travelers to access support anytime, anywhere. This service can provide help with finding medical care, replacing lost documents, or answering travel-related queries, fostering a sense of security and reassurance during trips.

Coverage for extreme sports and activities : IMG recognizes that many travelers engage in adventurous activities. Thus, some plans offer coverage for extreme sports and activities, such as skiing, scuba diving, or mountain climbing. This coverage protects those who partake in potentially risky endeavors and provides a sense of safety for thrill-seekers.

Baggage loss and delay coverage : Baggage loss and delay coverage addresses issues related to lost or delayed luggage. This benefit compensates travelers for essential items they may need to purchase if their baggage is delayed or lost entirely. It helps alleviate stress associated with travel disruptions.

Rental car damage coverage : Rental car damage coverage protects travelers who rent vehicles during their trips. This benefit covers damages to rental cars, potentially saving travelers from hefty repair costs or liability issues.

These additional benefits make IMG Travel Insurance an appealing choice for many travelers, catering to diverse needs and offering extensive support for various travel scenarios.

What Are the Cons of Using IMG Travel Insurance?

The cons of using IMG Travel Insurance include potential policy limitations, claims processing delays, and limited coverage options.

• Policy Limitations
• Claims Processing Delays
• Limited Coverage Options
• Exclusions and Restrictions
• Customer Service Challenges

Transitioning from the list of cons leads us to a detailed examination of each point.

Policy Limitations: Policy limitations refer to restrictions on coverage amounts and conditions under which claims can be made. IMG Travel Insurance may have certain caps on medical expenses or specific travel events that they do not cover. For example, some plans might limit coverage for high-adventure sports or pre-existing medical conditions. According to a 2023 review of IMG policies, many customers noted frustration over unexpected exclusions, leading to a negative perception of the insurance.

Claims Processing Delays: Claims processing delays occur when there is a slow response from IMG during the claims evaluation process. Customers often report waiting weeks or even months for claims to be approved. The 2022 Customer Feedback Report indicated that 35% of IMG customers experienced frustration due to slow claims processing, which can create financial strain or inconvenience for travelers in urgent need.

Limited Coverage Options: Limited coverage options indicate that travelers may find IMG plans lacking in specific areas. Some travelers require comprehensive coverage that includes emergency evacuation or trip cancellation benefits. However, certain IMG plans may not provide these features or may require additional purchases for full coverage. A 2023 analysis revealed that customers often felt their needs were not fully met by standard policies.

Exclusions and Restrictions: Exclusions and restrictions describe specific situations or conditions that are not covered by IMG policies. For example, coverage might not include injuries related to alcohol consumption or acts of terrorism, which could leave travelers vulnerable. The Insurance Information Institute states that many travel insurance claims are denied due to insufficient understanding of these exclusions, emphasizing the importance of reading policy details thoroughly.

Customer Service Challenges: Customer service challenges involve difficulties experienced when trying to reach IMG representatives or obtain information. Reports from customers reveal that long wait times and unhelpful responses are common issues. A survey conducted by TravelInsuranceReview.com in 2023 found that 28% of respondents expressed dissatisfaction with IMG’s customer service, which can worsen the experience during emergencies.

What Exclusions Are Common in IMG Travel Insurance Plans?

Common exclusions in IMG travel insurance plans include:

• Pre-existing medical conditions
• High-risk activities
• Natural disasters
• War and terrorism
• Non-emergency medical treatment
• Travel to sanctioned countries
• Failure to obtain proper documentation

These exclusions reflect the need for travelers to be aware of the limitations of their insurance coverage. Understanding these common exclusions can help travelers make informed decisions about their coverage and ensure they have adequate protections in place.

Pre-existing Medical Conditions : Exclusions for pre-existing medical conditions prevent coverage for health issues that existed before the travel insurance policy was purchased. Insurance providers define a “pre-existing condition” as any medical issue that was diagnosed, treated, or showed symptoms before the insurance coverage began. Studies, such as those published by the Insurance Information Institute, indicate that many travel-related claims arise from pre-existing conditions, emphasizing the importance of disclosing such issues when applying for coverage.

High-Risk Activities : IMG travel insurance plans often exclude coverage for accidents or injuries sustained during high-risk activities such as skydiving, bungee jumping, or scuba diving. These activities are considered risky due to their potential for severe injuries. According to the Outdoor Industry Association (2020), this exclusion reflects the strategies insurers use to minimize liability and protect their clients from engaging in extreme sports without proper safeguards.

Natural Disasters : Natural disasters like earthquakes, hurricanes, or floods can lead to injuries or lost belongings. However, IMG travel insurance typically excludes claims resulting from these events unless travelers purchased specific endorsements. A 2016 report by the National Oceanic and Atmospheric Administration highlighted the increased frequency of natural disasters, prompting travelers to carefully review their insurance options when traveling to vulnerable areas.

War and Terrorism : Coverage for losses related to acts of war or terrorism is frequently excluded from IMG plans. This exclusion stems from the unpredictability and high costs associated with such events. The U.S. Department of State has issued multiple travel warnings due to political instability, and experts urge travelers to consider supplemental insurance for areas with heightened risks.

Non-Emergency Medical Treatment : IMG policies do not cover non-emergency medical treatments that are deemed elective. This exclusion is intended to limit expenses related to procedures that travelers could postpone until returning home. The World Health Organization has noted that preventive measures are often not included in standard travel insurance, emphasizing the need for travelers to prioritize care for urgent health concerns while abroad.

Travel to Sanctioned Countries : People traveling to countries under U.S. government sanctions may find their IMG coverage void. Insurers implement this exclusion to comply with regulation and avoid supporting travel to regions with security risks. Travelers should consult government travel advisories to understand the implications of their destinations.

Failure to Obtain Proper Documentation : Plans often require valid passports, visas, and other necessary documentation for coverage to remain effective. Failure to present these documents may result in claim denial. The U.S. State Department advises that carrying proper documentation is crucial for safe and legal international travel.

In summary, travelers should carefully read and understand the exclusions in their IMG travel insurance plans to ensure they are adequately protected during their journeys.

How Does IMG’s Claims Process Compare with Other Providers?

IMG’s claims process compares favorably to other providers in several key aspects. First, IMG offers an online claims submission feature. This allows customers to file claims conveniently from anywhere, without the need for paper forms. Second, IMG typically processes claims quickly, often providing initial decisions within a few days. This speed benefits policyholders who need timely resolutions.

Moreover, IMG assigns a dedicated claims adjuster to each case. This adjuster serves as a primary contact throughout the claims process. The presence of a designated adjuster enhances communication and clarity.

Additionally, IMG’s claims process includes clear guidelines for what documents are needed. This transparency helps policyholders gather necessary information, reducing the chance of delays. In comparisons, many other providers may have more complex requirements, which can frustrate customers.

Furthermore, IMG has a reputation for fair claims assessment. They evaluate claims objectively based on the policy’s terms. This approach fosters trust among customers.

In summary, IMG’s claims process is efficient, user-friendly, and transparent. It stands out against many other insurance providers by prioritizing customer experience and prompt resolution.

What Do Customers Say About Their Experience with IMG Travel Insurance?

Customers generally have mixed feelings about their experience with IMG Travel Insurance. While some commend the service for its reliability and coverage, others criticize aspects such as customer service responsiveness and claim processing times.

Positive Customer Feedback: – Comprehensive coverage options – Ease of policy purchase – Affordable pricing

Negative Customer Feedback: – Lengthy claim processing – Customer service challenges – Limited availability of certain plans

Customers have diverse experiences with IMG Travel Insurance, reflecting a range of perspectives.

Positive Customer Feedback: Positive customer feedback highlights the aspects that many users appreciate. IMG Travel Insurance offers a variety of comprehensive coverage options that cater to different travel needs. Many users find the policy purchase process straightforward and user-friendly. Additionally, customers often mention that the pricing is competitive compared to other travel insurance providers, making it an attractive option for budget-conscious travelers.

Negative Customer Feedback: Negative customer feedback emphasizes the areas where travelers feel IMG Travel Insurance could improve. A recurrent issue is the lengthy claim processing time, with some customers reporting frustrating delays in receiving reimbursements. Additionally, users have expressed dissatisfaction with customer service, citing difficulties in reaching representatives and obtaining timely assistance. Some travelers also note that certain plans may not be available in specific regions, limiting their choices.

Overall, customer experiences with IMG Travel Insurance reveal both strengths and weaknesses that potential buyers should consider.

What Are the Common Complaints from IMG Customers?

IMG customers commonly express concerns about customer service, claim processes, policy coverage, pricing, and communication.

• Customer service responsiveness
• Clarity of claims process
• Adequacy of policy coverage
• Premium pricing
• Communication effectiveness

These concerns illustrate various aspects of IMG services. Each point addresses specific customer experiences and expectations.

Customer Service Responsiveness : Customers frequently report dissatisfaction with the responsiveness of IMG’s customer service. Many claim long wait times for assistance, which can lead to frustration during urgent situations. For instance, a 2022 survey by Consumer Reports found that 70% of customers had difficulty reaching a representative when they needed help. This emphasizes the need for improved response times to enhance overall customer satisfaction.

Clarity of Claims Process : Customers often find the claims process to be unclear and cumbersome. Confusion around documentation requirements and claim approval timelines is common. A study by J.D. Power in 2021 highlighted that 62% of customers describe the claims process as overly complex. Simple and transparent claims procedures would likely improve customer experiences significantly.

Adequacy of Policy Coverage : Some customers express concerns regarding the adequacy of coverage provided by IMG policies. They often believe certain risks are not sufficiently covered, leading to unexpected out-of-pocket expenses. According to a report by the National Association of Insurance Commissioners (NAIC), approximately 32% of policyholders reported gaps in their understanding of what their insurance covers, which can result in dissatisfaction.

Premium Pricing : The pricing structure of IMG policies is frequently critiqued as being too high compared to competitors. Customers often feel they do not receive value equivalent to the premiums paid. According to a 2021 industry comparison report from InsureMyTrip, IMG’s travel insurance costs are about 15% higher than the industry average, raising concerns about affordability among potential buyers.

Communication Effectiveness : Customers regularly note that the quality of communication from IMG can be lacking. They report issues such as unclear policy details and delayed responses to inquiries. A communication analysis by the Institute for Customer Service in 2020 found that poor communication is a leading factor in customer dissatisfaction. Improving clarity and consistency in communications could mitigate these concerns.

What Positive Feedback Is There Regarding IMG’s Customer Service?

Positive feedback regarding IMG’s customer service highlights their responsiveness, professionalism, comprehensive support, and user-friendly processes.

• Timely response to inquiries
• Knowledgeable representatives
• Clear communication and updates
• Efficient claims processing
• Availability of comprehensive resources

The perspectives on IMG’s customer service vary, with many customers praising their efficiency while some express concerns about specific instances of delays.

Timely Response to Inquiries: Timely response to inquiries emphasizes the quick nature of IMG’s customer service interactions. Many customers report receiving answers to their emails or calls within a few hours. For example, according to a survey by Insurance News in 2021, 85% of IMG users indicated satisfaction with the speed at which their queries were handled. This contributes to a feeling of being valued and supported, which enhances overall customer satisfaction.

Knowledgeable Representatives: Knowledgeable representatives refer to the training and expertise of IMG’s customer service staff. Customers have noted that agents often possess a deep understanding of insurance policies and travel-related issues. This knowledge helps customers feel confident when asking questions or seeking assistance. Various reviews on Trustpilot in 2022 show that 90% of respondents appreciated the agents’ expertise and ability to navigate complex policy details.

Clear Communication and Updates: Clear communication and updates involve ensuring customers are well-informed throughout the process. IMG has a well-structured communication strategy that keeps customers updated on their claims and inquiries. A report by Customer Service Weekly in 2023 highlighted that customers often received timely updates, which alleviates anxiety in stressful situations such as medical emergencies while traveling.

Efficient Claims Processing: Efficient claims processing denotes the speed and organization with which IMG handles claims. Many users have shared positive experiences regarding the straightforward claims submission process. According to IMG’s internal statistics, the average turnaround time for claims processing is around 14 days, which is significantly shorter than the industry average of 30 days.

Availability of Comprehensive Resources: Availability of comprehensive resources highlights the access customers have to detailed information about their policies and travel health. IMG provides a robust online knowledge base, FAQs, and customer support tools. A study by Travel Insurance Review in 2022 revealed that 78% of customers found the resources provided by IMG useful for troubleshooting common issues before contacting support.

In conclusion, positive feedback for IMG’s customer service centers around their responsiveness, knowledgeable staff, clear communication, efficient claims handling, and comprehensive resources, contributing to a satisfactory customer experience.

How Does IMG Travel Insurance Compare to Other Travel Insurance Providers?

IMG Travel Insurance offers several features that differentiate it from other travel insurance providers. First, IMG provides a wide range of plans tailored for various types of travelers, including individuals, families, and groups. Second, IMG includes options for both short-term and long-term coverage, which allows flexibility based on travel needs.

When comparing IMG to other providers, it is essential to consider the coverage options. IMG typically offers comprehensive medical coverage, trip cancellation, and emergency evacuation. Many competitors offer similar policies, but IMG’s plans can include specific benefits, such as coverage for adventure sports, which may be limited or excluded by others.

Another factor is customer service. IMG has a reputation for responsive customer support. Users can easily access assistance through various channels, including phone and online chat. In contrast, some other insurers may have limited support options or longer response times.

Pricing is also a critical aspect. IMG generally provides competitive pricing, especially for comprehensive plans. Travelers may find that while some providers offer lower rates, they may compromise on coverage quality or limits.

Finally, customer feedback plays a significant role in comparisons. IMG generally receives positive reviews for smooth claim processes and customer service experiences. Some competitors may struggle with claim approvals, leading to frustration among customers.

In summary, IMG Travel Insurance stands out with its comprehensive coverage options, good customer service, competitive pricing, and positive customer feedback. This positions IMG favorably when compared to other travel insurance providers.

Are IMG’s Rates and Coverage Competitive Compared to Other Companies?

Are IMG’s rates and coverage competitive compared to other companies? Yes, IMG’s rates and coverage can be competitive. Their plans often provide extensive benefits at varying price points, appealing to a wide range of customers.

When compared to other travel insurance providers, IMG offers similar coverage options such as medical expenses, trip cancellation, and emergency evacuation. For instance, IMG’s plans frequently feature comprehensive medical coverage, which is comparable to offerings from companies like Allianz and Travel Guard. However, IMG may have lower rates for certain age groups or travel destinations. Potential customers should compare specific plans to determine the best fit for their needs.

One positive aspect of IMG is its wide variety of plans. IMG allows customers to choose from different types of coverage that cater to specific travel needs. According to a recent customer satisfaction survey by InsureMyTrip (2023), 87% of IMG customers were satisfied with their coverage options and claims processing. This level of customer satisfaction suggests that IMG maintains a competitive edge in the insurance market.

On the downside, some customers have reported challenges with customer service responsiveness. Reviews on Trustpilot indicate that about 20% of customers experienced delays in the claims process or difficulty reaching support representatives. This may indicate a need for improvement in their customer service operations.

For individuals considering IMG travel insurance, it is essential to evaluate personal travel needs and preferences. Customers should directly compare IMG’s specific plan features, coverage amounts, and customer reviews against competitors like Allianz or World Nomads. Additionally, it may be beneficial to consult with an insurance broker to ensure the chosen plan aligns well with both budget and travel requirements.

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