Our 2 cents worth: We have IMG and are very happy with them....We are 50+ and the rates are great ....We took the US exempt option and saved thousands...... Fortunately we have not needed to use our insurance...We also carry DAN WORLD as a supplement insurance for a diving or travel emergency......Both companies have been responsive & helpful with questions about coverage and major event issues.....at about $50usd per month per person for both.

My friends call me Judyann

www.blackorchidrestaurant.com