travel insurance with cigna

International Health Insurance for wherever life takes you

Award winning International Health Insurance for Individuals and families living abroad

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• United Kingdom
• United States
• ===========
• Afghanistan
• Aland Islands
• American Samoa
• Antigua and Barbuda
• Bosnia and Herzegovina
• British Indian Ocean Territory
• Brunei Darussalam
• Burkina Faso
• Cayman Islands
• Central African Republic
• Christmas Island
• Cocos (Keeling) Islands
• Congo, DR of
• Cook Islands
• Cote d'Ivoire
• Cyprus Northern
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• Falkland Islands
• Faroe Islands
• Federated States of Micronesia
• French Guiana
• French Polynesia
• French Southern Territories
• Guinea-Bissau
• Heard Islands and McDonald Islands
• Holy See (Vatican City State)
• Isle of Man
• Lao Peoples Democratic Republic
• Libyan Arab Jamahiriya
• Liechtenstein
• Marshall Islands
• Nagorno-Karabakh
• Netherlands
• Netherlands Antilles
• New Caledonia
• New Zealand
• Norfolk Island
• North Korea
• Northern Mariana Islands
• Papua New Guinea
• Philippines
• Pitcairn Islands
• Puerto Rico
• Saint Barthelemy
• Saint Helena, Ascension and Tristan da Cunha
• Saint Kitts and Nevis
• Saint Lucia
• Saint Martin
• Saint Pierre and Miquelon
• Saint Vincent and the Grenadines
• Sao Tome and Principe
• Saudi Arabia
• Sierra Leone
• Solomon Islands
• South Africa
• South Georgia and the South Sandwich Islands
• South Korea
• South Ossetia
• Svalbard and Jan Mayen
• Switzerland
• Timor-Leste
• Transnistria
• Trinidad and Tobago
• Turkmenistan
• Turks and Caicos Islands
• UAE-Abu Dhabi
• UAE-Fujairah
• UAE-Ras al-Khaimah
• UAE-Sharjah
• UAE-Umm al-Quwain
• United States Minor Outlying Islands
• Virgin Islands (British)
• Virgin Islands (US)
• Wallis and Futuna
• Western Sahara

What is International Health Insurance?

An international health insurance plan gives you access to private health care services across the globe..

Cigna’s health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.

How does International Health Insurance work?

With cigna's international health plans, you can access private healthcare providers anywhere within your region of travel..

This means you don't have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.

International Health Plans for:

Global Professionals

From new overseas assignees, to seasoned expats, to digital nomads, we’ve got your healthcare covered.

Our family-friendly plans are crafted to address the health and well-being needs of you and your loved ones.

Comprehensive health plans designed for your retirement abroad, leaving you free to live life to the full, wherever that may be.

Ensure your healthcare needs are met during one of life’s most exciting adventures - studying abroad.

Get a quote, quickly.

It shouldn't take a whole lunch break to get a health insurance quote. We'll give you an idea of your price in 2 minutes.

Frequently Asked Questions

How do i get international health insurance.

With Cigna, it's easy to start building your international health insurance plan. To find the right cover for you, start by getting a quote online. You’ll be asked a few basic questions like who to cover, where you're based, and how long you'd like the cover for. You'll receive an indication of price straight away and one of our team-members will be in touch to answer any questions and set up cover over the phone.

What's the difference between international health insurance and travel insurance?

International health insurance policies are designed for people living or working overseas long term. It covers treatment for both emergency and routine health care, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover. A travel insurance policy is designed to cover short trips abroad, such as a holiday or business trip. This kind of insurance only offers short term cover for medical emergencies, and some non-medical benefits like cover for lost luggage or trip disruptions.

Why do expats need insurance?

The quality of health care can vary widely around the world. The quality of care in your new country may not be to the standard you were used to back home. In addition, as a foreign national, you and your family may not be entitled to any free or subsidized health care. It is therefore important to consider an expat health plan to provide for the health care needs of you and your family.

What does expat health insurance cover?

A Cigna expat health insurance policy is flexible to your needs. Start with one of our core insurance policies - these provide protection for essential hospital stays and treatment. Surgeon and consultation fees and hospital accommodation are also covered. Inpatient, outpatient and cancer treatments are also provided for. In addition, our Gold and Platinum core policies offer levels of cover for routine maternity needs.

You can tailor your policy with a range of optional benefits. International Outpatient provides you with more extensive outpatient cover including doctor’s visits and prescriptions. In addition, you can add medical evacuation, health and well-being and vision and dental benefits to your policy.

How much does expat health insurance cost?

The cost of health insurance will vary by plan and insurer. Some insurers might offer you cheap plans, but the cover they provide may be significantly less. At Cigna we work hard to ensure that we keep our levels of cover high and prices down. Our plans are flexible and tailored to you.

What countries can international health insurance cover me for?

You can choose to be covered anywhere in the world. And your cover travels with you, whether you're moving between two countries or travelling more extensively.

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Medical Benefits Abroad®

Peace of mind for your employees, a global flexible solution for you.

Existing customer?

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• Medical Benefits Abroad

MEDICAL BENEFITS ABROAD®

If your business requires that your employees travel internationally, you'll want a policy that's committed to high quality health care with benefits that follow them wherever and whenever they go. Our Medical Benefits Abroad® plan includes cover for unexpected illness or injury while your employees are travelling on business, whether they need hospital or out-patient care, emergency dental treatment or a replacement prescription.

And because there's nothing worse than falling ill when you're far from home, we aim to make the process smooth and hassle-free. Our customer service representatives are available around the clock every day of the year and will facilitate direct billing where possible, and we've developed an online portal where you can file your claim – or research your destination before you travel.

Is Medical Benefits Abroad® the right plan for your company?

Your company requires employees to travel on international business trips

For coverage details, click here

Medical Emergencies

Prescription drugs of replacement meds, dental emergencies, medical evacuation, crisis assistance plus, accidental death & dismemberment, medical benefits abroad explained.

See how our Medical Benefits Abroad solution keeps your employees covered when they're travelling internationally.

Comprehensive information, services and support at CignaEnvoy.com

• Online global provider directory search
• Printable ID cards
• Claim submissions
• Benefit information
• Drug translation tool
• Immunization requirements
• Disease prevention tips

Need more information?

To learn more about our global health solutions, call, email us or complete our short contact form .

International Health Insurance from Cigna

International health insurance that meets your every need:

• 24/7 access to multi-lingual service centers
• Global network of 1.5 million hospitals and healthcare professionals
• Access to medical support in over 200 markets and territories
• Quote in 2 minutes, buy online in under 10 minutes

International Health Plans for:

Global professionals

About Cigna’s international health insurance plans

Whatever your health insurance needs, our International Medical Plans can be tailored to meet them, while always offering a global support network of hospitals and medical professionals.

Whole health is a new way to think about care that allows Cigna to look at the full picture. To widen its scope, to acknowledge the full spectrum of factors that make up who you are and how you feel at any given time. So that, ultimately, we can help people live their lives in full – the good, the bad and every moment in between, knowing that you are supported in every aspect of your world.  

All our plans offer:

• Medical care essentials, including hospitals stays and treatments
• Flexible plans tailored to your needs and budget
• Priority access to support from Cigna doctors and nurses
• Whole health care support through a range of tools, product and solutions
• Digital portal to securely store important documents

Cigna Whole Health..

..is a new way of redefining healthcare support.

Find out more at the  Whole Health Hub

Who we help

Cigna’s coverage extends to more than 200 markets and territories around the world, with 1.5m health professionals and 24/7 customer service centers offering more than 50 different languages.

Individuals & Families

IGO/NGO & Government

Help break the silence surrounding mental health at work.

Mental health challenges in the workplace are becoming more persistent. But now you can play a meaningful role in strengthening your company’s emotional well-being culture.

Why choose Cigna

People first.

With customer service teams across the globe, each with their own in-depth local market knowledge, we’re able to adapt quickly and provide support. From a global health crisis to personal health requirements, Cigna is there.

Whole health and affordability focus

We provide a whole health service platform with a personalised, predictable and simple customer experience that drives affordability of medical plans. Bespoke products, services and resources are combined into one intuitive offering.

Driven by purpose

By enabling more choice and flexibility for improved customer experience, we’re able to create healthier futures for our clients and customers. Cigna is there look after your health, well-being and deliver peace of mind.

Global and local networks

Our goal is to provide customers with reliable and easy to access quality healthcare, wherever they are in the world. As part of a global organisation, we have access to a healthcare support in more than 200 markets and territories around the world and across all time zones.

Inside Expat Health

Hints & tips for Expats, by Expats on health and well-being.

• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

• Main content

Long-Term Expatriate Medical Insurance

Cigna global medical insurance: a customizable and robust long term international health insurance option for expats, a ‘build-it-yourself’ expatriate medical insurance plan with options to choose from, such as premium mental health care benefits and enhanced preventative medical care, why we like it:.

WE RECOMMEND the Cigna Global Travel Health Insurance plan for all types of expatriates, business people and those traveling or living abroad over 1 year. This overseas medical insurance plan has guaranteed renewability. It also covers all regions and nations, features excellent customer service and has many Direct-Pay agreements worldwide.

Learn about the plan through this video

Cigna has a great reputation and a worldwide network of over 1 million hospitals and physicians.

You can also “design your own plan” with just the items and benefits you require.

• Customize your plan by handpicking the coverage options that suit your requirements
• A legacy of trust: serving over 86 million expatriate customer relationships across 200+ countries and jurisdictions
• Embrace the freedom of no age restrictions and guaranteed policy renewability
• Tap into a global network of over 1 million hospitals and physicians

More insurance details and benefits

CIGNA TRAVEL INSURANCE:

• 3 levels of cover – Silver, Gold and Platinum
• For expatriates and globally mobile individuals
• Worldwide network of over 1 million hospitals and physicians
• 24 hour access to medical experts
• Worldwide or Worldwide excluding USA cover
• No age limits
• Guaranteed renewability

Who Is The Cigna Travel Insurance Plan Designed For?

Click to view plan features.

The Cigna Global Travel insurance plans are best for:

• Families and individuals living overseas; expatriates looking for excellent coverage
• International workers & volunteers who want the strength and reach of the Cigna brand
• Businesspeople used to western-style group health insurance and nationalized health care benefits
• Growing families and soon-to-be families wanting to make sure their little one(s) are protected

Why are these plans best?

• They are highly customizable to include or exclude exactly what you need
• Newborn care for all; Maternity included on Gold and Platinum
• Great sports coverage
• Choose between Worldwide or Worldwide excluding the USA to save additional dollars

Choose from optional modules

Don’t pay for benefits or options you will never use.

Your core cover

International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs. It also has cover for cancer, psychiatric care and much more. Gold and Platinum plans also include maternity cover after 12 months of continuous coverage.

Your optional modules

Build a unique plan by adding on your choice of optional modules. Choose from International:

• Medical Evacuation
• Health & Well Being
• Vision & Dental

Deductibles and cost shares provide you with additional options which help you build a customized plan which fits your budget.

A bit of advice/explanation

Cigna Global Individual Private Medical Insurance provides excellent health insurance overseas for the most discerning expatriates and globally mobile individuals. There are three coverage levels, various additions, and an array of deductible and cost share options. You can be sure to find a plan which meets both your exacting overseas health requirements and your budget. Coverage is available for expatriates, business people working overseas and international volunteers with NGOs. Also nonprofits, humanitarian organizations and the faith-based community.

The Cigna Global travel insurance plans have a unique way of operating. Let’s start from the beginning, which is the coverage that is provided at minimum – the Core! The Core coverage on these plans is for hospitalizations, inpatient psychiatric care, and cancer. Newborn care is also included for all three levels of coverage. Maternity benefits are included with Gold and Platinum after 12 months of coverage. Expenses from doctors visits, prescriptions or medications, and physiotherapy or physical therapy are not covered at the Core coverages.

You may add the following modules to your coverage. Each of these coverage levels provides additional benefits, which are tailored for maximum proficiency. This is a prominent reason that the Cigna Global plans are extraordinary health insurance overseas!

International Outpatient :

This module is for expenses from lab work, doctors visits, prescriptions and physical therapy. Also immunizations, as well as annual routine for children and well child tests. The higher the level of coverage, the lower the caps are on some benefits.

International Medical Evacuation :

This coverage is highly recommended for any type of international travel. International medical evacuation insurance is designed to provide transportation to the nearest adequate medical facility for necessary treatment. This is if there is no local treatment available for the immediate medical necessity. Adding this module will provider you with not only medical evacuation coverage, but also repatriation of mortal remains, compassionate visit, and more. All of the benefits are the same for every level of coverage.

Even though great hospitals may be in your destination, they may not be able to handle every type of medical condition. We never want any individual, or their families, to be stuck with a medical evacuation bill!

International Health and Wellbeing :

This is a wonderful addition to support overall health and wellbeing! It is a rich resource that gives you access for health screenings and check-ups, physical exams, counseling, dietetic consultations, and online education and programs. All of this can be included to help you get the most out of your overseas medical insurance.

International Vision and Dental :

General coverage for tests, preventative care, and some coverage for treatment and materials relating to Dental and Vision.

U.S. Coverage :

Having U.S. coverage is very important for those with travels to the U.S.A., and for U.S. citizens. Coverage up to six months per year is available on the Cigna Global international health and travel insurance. Even if a U.S. citizen doesn’t plan to come back to the U.S., if a serious medical condition occurs, they sometimes go back to the U.S. for care. Citizens of other countries traveling outside the U.S. will save money by not selecting this module.

In Summary:

For the Core and for the International Outpatient module, you have the option to choose your deductibles, as well as cost sharing. Cost sharing is where you can choose a sum of money to pay a percentage of after the deductible. The higher the amount and percentage you pay with the cost share, the lower the premium will be. On the other hand, the higher your deductible and cost share you have, the more you will pay before full benefits kick in. When you get quotes, you will see how each module affects the premium.

Overall, this Cigna Global international health and Cigna travel insurance is extraordinary coverage and gives you many options to create a health benefit package to fit your needs and travel plans.

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Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

Cigna International Health Insurance Unveiled

Welcome to our in-depth exploration of Cigna International Health Insurance, your ticket to comprehensive global coverage and unparalleled peace of mind. Whether you’re jet-setting for business or leisure, Cigna has you covered with their extensive range of international health insurance plans. Let’s delve into the details and discover why Cigna is the name you can trust for your global well-being.

What is International Health Insurance?

Before diving into the offerings of Cigna, it’s important to understand the concept of international health insurance. Unlike domestic health insurance, which provides coverage within a specific country, international health insurance offers comprehensive medical coverage for individuals living, working, or traveling abroad.

International health insurance ensures that you receive quality healthcare services, no matter where you are in the world. It provides coverage for routine medical check-ups, emergency treatments, hospitalizations, and other healthcare needs that may arise while you are outside your home country.

Key Features of International Health Insurance

• Global Coverage: International health insurance provides coverage across multiple countries, giving you the freedom to receive medical care in various locations.
• Medical Evacuation: In the event of a serious illness or injury, international health insurance often includes medical evacuation services to transport you to a facility that can provide the necessary medical treatment.
• Emergency Assistance: International insurance companies have dedicated helplines that provide multilingual support 24/7, ensuring prompt assistance in case of medical emergencies.
• Preventive Care: Many international health insurance plans cover preventive care, including vaccinations and screenings to help you maintain your health.

Having international health insurance brings peace of mind, knowing that you are protected against unforeseen medical expenses and have access to quality healthcare wherever you go.

The Benefits of Cigna International Health Insurance

When it comes to your global health coverage needs, International Health Insurance by Cigna  offers a multitude of benefits that set it apart from the rest. Here are some key advantages you can enjoy when choosing Cigna:

• Comprehensive Coverage: Cigna International Health Insurance provides extensive coverage that includes medical expenses, hospitalization, emergency medical evacuation, and more. With Cigna, you can have peace of mind knowing that you are well protected wherever you go.
• Customizable Plans: Cigna understands that each individual has unique healthcare requirements. That is why they offer a variety of flexible plans that can be tailored to suit your specific needs and budget . Whether you are a frequent traveler or an expatriate, Cigna has a plan that will meet your expectations.
• Global Network: With Cigna International Health Insurance, you gain access to a vast network of healthcare providers around the world. Wherever you may be, you can count on Cigna’s global network to provide quality healthcare services and ensure your wellbeing is taken care of.
• 24/7 Customer Support: Cigna is committed to providing excellent customer service . Their dedicated support team is available 24/7 to assist you with any queries or concerns you may have. Whether you need help understanding your policy or require assistance while seeking medical treatment, Cigna’s customer support is always just a phone call away.

With Cigna International Health Insurance, you can travel with confidence, knowing that you have a trusted partner by your side. Explore the world, experience new cultures , and live life to the fullest, knowing that your health and wellbeing are protected with Cigna.

Coverage Options Provided by Cigna

When it comes to health insurance, one size does not fit all. Cigna understands that each individual has unique healthcare needs. That’s why Cigna International Health Insurance offers a variety of coverage options , allowing you to tailor your plan to suit your specific preferences and budget.

Whether you’re seeking basic coverage for routine medical expenses or comprehensive coverage for unexpected illnesses and emergencies, Cigna has the right plan for you. Here are some of the coverage options provided by Cigna International Health Insurance:

Inpatient Coverage

• Hospital room and board
• Intensive care unit (ICU) expenses
• Surgical procedures and anesthesia
• Doctor’s visits and specialist consultations

Outpatient Coverage

• Diagnostic tests and laboratory services
• X-rays and imaging
• Prescription medications
• Physiotherapy and rehabilitation

Emergency Medical Evacuation

• Transportation to a medical facility in case of emergency
• 24/7 assistance for medical emergencies
• Repatriation of mortal remains

Mental Health Coverage

• Psychiatrist and psychologist consultations
• Inpatient and outpatient mental health treatment
• Coverage for substance abuse and addiction

Maternity Coverage

• Prenatal care and routine check-ups
• Delivery and hospitalization expenses
• Postnatal care and follow-up visits

No matter what coverage options you choose , Cigna International Health Insurance ensures that you have access to quality healthcare around the world. With Cigna, you can travel with confidence, knowing that your health and well-being are protected.

Worldwide Network of Healthcare Providers

Cigna International Health Insurance is proud to offer policyholders access to a vast network of healthcare providers spanning the globe. No matter where you find yourself, Cigna ensures that quality healthcare is always within reach.

Advantages of Cigna’s Global Network:

• Extensive Reach: With a network of healthcare providers in numerous countries, Cigna offers coverage in popular destinations as well as remote locations.
• Quality Care: Cigna’s network consists of trusted hospitals, clinics, doctors, and specialists who meet rigorous quality standards to provide exceptional medical services.

• Language Assistance: Cigna understands the importance of effective communication during medical consultations. Their network providers offer language assistance to ensure you fully understand your diagnosis and treatment options.
• Direct Billing: Cigna’s network providers often offer direct billing to the insurance company, simplifying the claims process and reducing out-of-pocket expenses.

Whether you need routine check-ups, emergency care, or specialized treatments, Cigna’s network of healthcare providers is designed to meet your healthcare needs wherever you may be.

Specialized Services and Added Benefits

When it comes to international health insurance, Cigna doesn’t simply provide comprehensive coverage. They understand that your health needs go beyond just medical expenses. That’s why Cigna goes the extra mile to offer specialized services and added benefits that enhance your overall well-being.

With Cigna specialized services, you have access to a range of valuable resources and support systems. Whether you need assistance finding a specialist, navigating the healthcare system in a foreign country, or arranging for a medical evacuation, Cigna is there every step of the way.

Here are Some of the Specialized Services Cigna Provides:

• 24/7 Multilingual Customer Service: Cigna’s dedicated customer service team is available around the clock to address your inquiries and concerns in multiple languages, ensuring that you have the support you need no matter where you are in the world.
• Expert Second Opinion: If you’re uncertain about a diagnosis or treatment plan, Cigna offers expert second opinions to help you make informed medical decisions. Their global network of renowned specialists can review your case and provide valuable insights.
• Wellness Programs: Cigna believes in proactive healthcare and offers various wellness programs to help you maintain a healthy lifestyle. From fitness and nutrition guidance to stress management resources, Cigna is committed to promoting your overall well-being.
• Health Coaching: Need personalized support to achieve your health goals? Cigna’s health coaches provide guidance and motivation to help you on your wellness journey . Whether it’s weight management, smoking cessation, or managing chronic conditions, their expert coaches are there to assist you.

In addition to specialized services, Cigna offers added benefits that further enhance your insurance coverage. These added benefits can include pharmacy discounts, coverage for alternative therapies, access to virtual health consultations, and more. Cigna understands that every individual has unique healthcare needs, and their added benefits are designed to meet those needs.

By choosing Cigna International Health Insurance, you not only get comprehensive coverage, but also access to specialized services and added benefits that prioritize your health and well-being. Take the next step towards securing your global health by exploring the possibilities with Cigna today.

How to Choose the Right Plan for You

When it comes to selecting the right international health insurance plan, it’s important to consider your specific needs and lifestyle. Cigna International Health Insurance offers a range of options designed to cater to different individuals and families. To make an informed decision, keep the following factors in mind:

1. Coverage Level: Evaluate the coverage level that aligns with your healthcare requirements. Cigna offers comprehensive coverage options that include inpatient and outpatient services, preventive care, maternity benefits, and more.

2. Network of Providers: Consider Cigna’s extensive network of healthcare providers around the world. Check if your preferred doctors, hospitals, and clinics are included in the network to ensure convenient access to quality healthcare services.

3. Budget: Assess your budget and determine the premium you can comfortably afford. Cigna International Health Insurance offers plans with varying premium rates, allowing you to choose one that suits your financial situation.

4. Additional Benefits: Look for added benefits provided by Cigna, such as dental and vision coverage, wellness programs, telehealth services, and emergency medical evacuation. These extra perks can enhance your overall healthcare experience.

5. Flexibility: Consider the flexibility of the plan. Cigna offers options that allow you to tailor your coverage to meet your specific needs, ensuring you only pay for the benefits you require.

6. Customer Reviews: Read reviews and testimonials from current and former Cigna International Health Insurance policyholders. This can provide valuable insights into the level of satisfaction and service quality experienced by others.

7. Expert Advice: If you’re uncertain about which plan to choose, don’t hesitate to seek guidance from insurance brokers, financial advisors, or Cigna representatives. They can provide personalized advice based on your unique circumstances.

By considering these factors and taking the time to evaluate your options, you can make an informed decision and choose a Cigna International Health Insurance plan that provides you with the coverage and peace of mind you need.

Ease of Enrollment and Customer Support

When it comes to enrolling in international health insurance, Cigna understands the importance of making the process as seamless as possible. With Cigna, you can enroll in their comprehensive coverage plans with ease, ensuring that you have the protection you need, no matter where your travels take you.

From the moment you decide to become a Cigna policyholder, you can expect exceptional customer support every step of the way. Cigna’s dedicated team is available to answer any questions or concerns you may have, ensuring that you have the information you need to make informed decisions about your international health insurance coverage.

Enrollment Made Simple

Enrolling with Cigna is a straightforward process that can be completed online , at your convenience. Simply visit the Cigna website and follow the step-by-step instructions to select the coverage options that best suit your needs.

Cigna offers a variety of plans, allowing you to tailor your coverage to match your budget and lifestyle. Whether you’re an individual, a family, or a frequent traveler, Cigna has the right plan for you.

• Choose from a range of deductibles and coverage levels.
• Select additional benefits that align with your specific requirements.
• Customize your coverage to include dental, vision, and prescription drugs.
• Benefit from direct billing options for a hassle-free claims process.

Superior Customer Support

At Cigna, customer satisfaction is a top priority. Their dedicated customer support team is available 24/7 to assist you in any way they can. Whether you have questions about your policy, need help filing a claim, or require assistance while overseas, Cigna’s knowledgeable and friendly staff is just a phone call away.

With Cigna’s commitment to customer support, you can have peace of mind knowing that help is always at hand, no matter where you are in the world.

So, why settle for anything less when it comes to your international health insurance? Choose Cigna for an enrollment experience that is simple and customer support that is second to none.

How to File a Claim with Cigna

Filing a claim is an essential part of your health insurance coverage with Cigna International Health Insurance. The claim process is designed to be simple and efficient , ensuring that policyholders can access the benefits they are entitled to without any hassle.

When it comes to filing a claim with Cigna, there are a few key steps to keep in mind:

• Gather your documentation: Before initiating the claim process, make sure you have all the necessary documentation at hand. This may include medical bills, invoices, doctor’s notes, prescriptions, and any other relevant paperwork.
• Contact Cigna: Reach out to Cigna to inform them about your intent to file a claim. You can contact their dedicated claims department via phone, email, or online through their customer portal. The contact details can be found on the Cigna website.
• Submit your claim: Once you have contacted Cigna, they will guide you on how to submit your claim. This can usually be done online, through their secure portal, or by mailing the required documents to their claims department. Ensure that you provide all the necessary information accurately and include any supporting documents.
• Track your claim: After submitting your claim, Cigna will provide you with a claim reference number. You can use this reference number to track the progress of your claim online or by contacting their claims department. Cigna aims to process claims as quickly as possible and will provide updates throughout the process.
• Receive payment: Once your claim is approved and processed, Cigna will reimburse you for the eligible expenses covered under your policy. Payment can be made through direct deposit, bank transfer, or check, depending on your chosen preference.

Remember, if you have any questions or need assistance at any point during the claim process, Cigna’s customer support team is always available to help. They can provide guidance, clarify any doubts, and ensure a smooth and efficient claims experience.

Feedbacks and Testimonials

Don’t just take our word for it – hear what our satisfied policyholders have to say about Cigna International Health Insurance. Read through these reviews and testimonials to get a sense of the quality of service and peace of mind that Cigna provides:

• “I have been a Cigna policyholder for the past five years, and I can confidently say that their international health insurance coverage is outstanding. From their extensive network of healthcare providers to their responsive customer support, Cigna has exceeded my expectations.” – Sarah Thompson
• “As an expat living in Asia, having Cigna International Health Insurance has given me peace of mind. Their coverage options are flexible, and their claims process is quick and efficient. I highly recommend Cigna to anyone seeking comprehensive global health insurance.” – James Smith
• “Cigna International Health Insurance has been a lifesaver for my family. With two young children, it is comforting to know that we are covered no matter where we are in the world. The specialized services and added benefits have been a valuable addition to our policy.” – Emily Johnson.

These are just a few examples of the positive experiences our policyholders have had with Cigna International Health Insurance. We take pride in providing exceptional coverage and support to our customers, ensuring that they can focus on what matters most – their health and well-being.

Ready to experience the benefits of Cigna for yourself? Get started with Cigna International Health Insurance today and enjoy comprehensive global coverage that keeps you protected no matter where you are.

Get Started with Cigna International Health Insurance Today

Ready to explore the world with peace of mind? With Cigna International Health Insurance, you can embark on your global adventures knowing that you have comprehensive coverage wherever you go.

So, how do you get started? It’s simple! Just visit the Cigna website and navigate to the International Health Insurance section. There, you can find all the information you need to choose the right plan.

Once you’ve selected your plan, the enrollment process is quick and easy . Cigna understands the importance of convenience, so you can enroll online or even speak to a dedicated customer support representative who will guide you through the process.

Don’t wait any longer to protect your health while exploring the world. Take the first steps today and get started with Cigna International Health Insurance. It’s time to travel with confidence and enjoy peace of mind wherever your adventures may take you!

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Jurgen is a globetrotting adventurer with an unwavering thirst for travel. He craves the thrill of discovering new places, cultures, and flavors. Jurgen's life is a journey of exploration, where each destination offers a new chapter in his ongoing story of adventure and wonder.

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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

International Health Insurance in Thailand

Find out all you need to know about the healthcare system and how to get health insurance in Thailand with Cigna.

Thailand is often called ‘the Land of Smiles’, and for good reason. It’s a popular location for expats and travelers, boasting a low cost of living, stunning weather, amazing sights and tasty food. Expats are drawn by the promise of a warm-weather retirement, incredible scenery and fantastic employment opportunities in the tourism sector. Whether you’re a short-term or long-term visitor, it’s mandatory to hold travel or international insurance that covers COVID-19 and has a minimum coverage of $100,000.

How does Thailand’s healthcare system work?

Thailand began a Universal Coverage Scheme (UCS) in 2002, opening healthcare to all its citizens. Many services are free for all, as healthcare is funded by tax revenue.   The government funds hospitals, and a range of pharmaceutical drugs are produced within the country, keeping prices low. Thailand’s healthcare is recognised as among the best in the world. However, unless you are eligible for healthcare coverage through a Thai employer, you’ll be expected to pay for a private insurance plan while you’re in Thailand. Multiple plans offer a range of different coverage options.

Read more on securing a visa for Thailand

Pros and cons of using Thailand's public health system

Some of the benefits of the local health system include:

• Language - many doctors and other specialists speak English and private hospitals employ staff educated at prominent universities.
• Available – there are many pharmacies across Thailand, from its cities to smaller towns. They’re easily recognisable and usually open seven days a week.
• UCS - legally working expats qualify for the UCS, funded by monthly salary deductions.

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Some of the potential drawbacks include:

• Free consultations can be brief, with medications limited to generics.
• Public healthcare is usually limited to certain hospitals and not included if an out-of-network hospital is required for treatment.
• There may be fewer care options than those you might find in a private hospital.

What’s the difference between public and private healthcare in Thailand?

Read our everyday guide to life in Thailand

How can international health insurance help you in Thailand?

International health insurance unlocks access to private international hospitals. You’ll receive the best quality services and treatment at first-class facilities.

Choosing your international health insurance

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Compare plans and find a flexible package to suit your needs.

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Cigna Global Health Options Plans

Worldwide or worldwide excluding USA cover

Annual benefit limit

• Evacuation and Crisis Assistance Plus™
• Health and Wellbeing
• Vision and Dental

Core hospitalisation cover overview:

• Annual benefit limit: $1,000,000
• Inpatient and daypatient treatment
• Private room
• Full cancer care
• Newborn care cover
• Annual benefit limit: $2,000,000
• Inpatient Maternity*

Paid in full

• Annual benefit limit: Paid in full
• Mental and Behavioural Health care paid in full

Cigna Close Care℠ Plan

Country of residence + Country of nationality

• Outpatient and Wellness Care
• Dental Care and Treatment
• Annual benefit limit: $500,000
• Condition limit: $250,000
• Semi-private room

Why choose Cigna for health insurance in Thailand?

• Access to healthcare for expats and non-residents.
• Find medical practitioners in over 192 other countries.
• 24/7 access to our customer care team.
• Reliable service and access to Thailand's leading private hospitals.

Can foreigners access healthcare in Thailand?

Foreign nationals can only access publicly funded Thai healthcare if they have insurance, either through a Thai employer or as private cover

How do I claim?

Start your claim by contacting our Customer Care Team and providing us with all the details regarding your health requirements.

What are expats covered for without a health insurance plan?

All expats are required by law to have health insurance. If you’re moving for work purposes, you may not have to consider any further coverage as you will qualify for social security, funded by a reduction in your monthly salary. However, it’s worth remembering that social security doesn’t provide complete cover.

Is international health insurance necessary in Thailand?

Yes, as of 2021, all visitors to Thailand must have a mandatory COVID-19 insurance plan that covers visitors for a minimum of $100,000. This is because most standard health insurance policies don’t cover the insured against pandemics.

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Getting care while traveling just got easier

Kaiser Permanente’s agreement with Cigna provides more convenient access to care when you’re away from home.

The last thing anyone wants to worry about while traveling for work or on vacation is how to get emergency or urgent health care if you need it during your trip. A new collaboration with Cigna eases that concern for Kaiser Permanente members.

Our members who are away from home can now access Cigna’s national PPO, or preferred provider organization, network of physicians and providers should they need emergency or urgent care during their travels.

“This new feature provides our members an improved experience, added convenience, and greater confidence that if they get sick or are injured while away from home, they will have access to great care,” said Arthur Southam , MD, executive vice president of health plan operations for Kaiser Permanente. “This gives our members another option to get the high-quality care they need, wherever they are.”

More ways to get care

Our members now have even more ways to get care when and how they need it — virtually and in person. With Get Care Now on kp.org , members have 24/7 access to care from Kaiser Permanente health care professionals by phone or video. For in-person care while away from home, Kaiser Permanente members are covered for urgent and emergency care, anywhere in the world. This new access to Cigna’s U.S. provider network makes getting that care easier and more convenient.

As part of this improved experience with Cigna, members with Kaiser Permanente HMO or exclusive provider organization plans won’t pay up front or have to file a claim for reimbursement — they will only be responsible for their regular copay or other cost share.

And if it’s more convenient, members can still go to any urgent or emergency care facility while traveling and submit a claim to Kaiser Permanente for reimbursement.

Learn more about how to get urgent or emergency care away from home .

Helpful tips before traveling

Are you a Kaiser Permanente member who travels on business trips, to visit family, or for vacation? Make sure you know how to get care while away from home.  

• Register on kp.org so you can see your health information online and email your Kaiser Permanente doctor’s office with nonurgent questions anytime.
• Get our Kaiser Permanente app to stay connected when you’re on the go and for quick access to your digital ID card. You can also order a new or replacement card before you travel.
• Save the Away from Home Travel Line phone number, 951-268-3900 (TTY 711), to your mobile device for travel support anytime, anywhere.
• See your doctor   (sign in required) if you need to manage a condition during your trip.
• Refill your eligible prescriptions (sign in required), including contact lenses, to have enough while you’re away. Be sure to refill at least 1 or 2 weeks before your trip so there’s time to process your request.
• If you travel by plane, keep your prescription medications with you in your carry-on baggage.
• Make sure you understand  what services are covered while you travel . Call the Away from Home Travel Line if you have any questions.

Visit kp.org/travel to learn more.

Note: The Cigna PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO for Shared Administration. Cigna is an independent company and not affiliated with Kaiser Foundation Health Plan, Inc., and its subsidiary health plans. Access to the Cigna PPO Network is available through Cigna's contractual relationship with the Kaiser Permanente health plans.

The Cigna PPO Network is provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

The Cigna PPO Network is not available to HMO and EPO members enrolled in coverage issued by Kaiser Foundation Health Plan of Washington and Kaiser Foundation Health Plan of Washington Options, Inc.

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1 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.

2 $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLive ® located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients.

3 $0 deductible and $0 copay are available on select Cigna Healthcare individual and family health care plans. Reference plan documents for more information.

4 Health benefit plans may be different, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy, and be medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may have to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered or reimbursement may be limited by your plan’s copayment, coinsurance, or deductible requirements. Look at your plan documents for more information about your plan’s prescription drug coverage. Discounts available with the Cigna Healthcare Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply.

5 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

6 The Cigna Healthcare Take Control Rewards Program is available in all states to all primary subscribers that are active Cigna Healthcare medical Individual and Family Plan policy holders and who are 18 years of age or older. All rewards may be considered taxable income. Contact your personal tax advisor for details. Program participation along with redeeming rewards is dependent on qualifying premiums being current and fully paid.

7 Healthy Rewards ® programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states, and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services.

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Cigna Global Insurance Company

Cigna Global Overview

You may be familiar with Cigna’s insurance coverage in your home country. A plan in your home country typically will cover you in that country only. You can obtain coverage while living overseas through Cigna's Global Medical Plan. You can purchase their global coverage either independently, to cover you worldwide, or as a supplement on top of your existing medical plan. Most people purchase the global plan as a standalone plan as it is comprehensive enough to replace your existing plan and will cover you anywhere in the world.

Cigna Global has an illustrious nearly 230-year history and has been providing global health insurance for decades. Today they have over 180 million customer relationships around the world. Looking after them is an international workforce of 70,000 people, plus a medical network comprising of over 1.5 million partnerships, including over 175,000 mental and behavioral health care professionals and customer service teams around the globe.

Why Choose Cigna Global?

Our customers choose Cigna because they provide all of the following:

Provider Network

Access to an extensive network of trusted hospitals, physicians, and other healthcare professionals

Customize Your Plan

Flexibility to tailor a cost-effective plan to suit their individual needs

24/7 Member Support

Making sure their Customer Care Team is always available to speak with you day and night

Rated "A" by A.M. Best

Reassurance of their experience in delivering international healthcare

Cigna Global Plans

There are many reasons why you might need a Cigna Global Medical plan. Here are just a few:

• The quality of your local country’s healthcare system does not meet your standards or needs.
• Or, even if you are able to find good quality local healthcare, it’s too expensive.
• You find the local healthcare system confusing or a struggle due to language or cultural barriers.
• Your country of residence requires you to have international private medical insurance.

Cigna Global Insurance Plan

The Cigna Global Insurance Plan offers you the opportunity to tailor the plan to your precise needs. With multiple plan tiers, add-on modules and deductible and cost share options, you can perfectly balance your needs with your premium costs. This plan also gives you access to Cigna's international network of more than 1.7 million hospitals and doctors.

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Cigna Close Care Plan

The Cigna Close Care plan allows you to create a tightly focused plan, with coverage for your country of residence and your country of nationality only. The plan also includes emergency coverage in case you need care while in a third country. It offers a wide range of deductibles and cost share options so that you can precisely tailor your plan to your own needs.

Cigna Healthguard Insurance Plan

The Cigna Healthguard Plan is specifically for expats residing in the UAE. It offers multiple tiers and optional add-on modules that allow you to expand your coverage. This plan is approved by the Dubai Health Authority and the Insurance Authority and meets all of their requirements.

• Private medical insurance for expats residing in the UAE
• Three distinct plans with regional or worldwide coverage
• Ability to choose your Healthcare Provider Network tier

Cigna International Medical Network

The Cigna global network of more than 1.65 million international hospitals, clinics, doctors, and mental and behavioral healthcare providers gives individuals working outside their home country extensive access to global health coverage. This wide-ranging global network features providers in over 200 countries and jurisdictions and a service team that speaks over 170 languages.

In most cases, Cigna will pay your hospital, clinic, or doctor directly for treatment costs incurred which are covered. All beneficiaries are responsible for paying any deductible or cost share directly to the medical provider at the treatment time. If you seek treatment at an out-of-network provider in the U.S. without prior authorization, Cigna may reduce the amount they will pay by 20%.

For the best experience, contact the Cigna Customer Care team before treatment. You can contact them 24 hours a day via live chat on your secure online Customer Area, phone, or email.

Areas of Coverage

The Cigna Global Health Insurance Plan offers two areas of cover: worldwide including the USA and worldwide excluding the USA. If you choose worldwide including the USA, you can receive treatment anywhere in the world. If you choose worldwide excluding the USA, you can receive treatment anywhere except in the USA.

Emergency Cover

For additional peace of mind, all of the Cigna international plans include emergency short-term medical coverage when you are visiting a location outside of your selected area of coverage. So if you purchase the Worldwide excluding USA option, you will still be covered for emergency treatment on an inpatient or day-patient basis during short trips to the USA. You will also be covered on an outpatient basis if you have purchased the International Outpatient additional coverage option. Coverage is limited to a maximum period of 3 weeks per trip and a maximum of 60 days per period of cover for all trips combined. Please read your policy documentation for the full terms and conditions relating to this benefit.

Find a Provider

To find a provider, log into your online Customer Area to search the Cigna global network of international hospitals , clinics, and doctors. Simply type in your postcode or zip code, specify the distance you are willing to travel, and it will list the medical experts within your area. Alternatively, call the Cigna Customer Care Team and they will help you find a provider. With nearly 1.7 million providers in Cigna's international network, you should be able to find one that suits your needs.

Cigna Global Services

Cigna Global Health Insurance offers world-class customer service to globally mobile customers. Their multilingual associates are available 24 hours a day, seven days a week, 365 days a year to help with everything from a medical emergency to verification of benefits. Or find what you need online in your Cigna Global customer area.

Cigna Global  is one of the largest providers of  international health insurance  and  expatriate medical  services worldwide. Clients who are living abroad benefit from their large network of doctors, their deep financial resources, a long history of service, and a focus on customer care.

Need Coverage for Your Employees Abroad?

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

What’s in the Cigna Global Customer Area?

In the Cigna Global customer area, you will find a lot of useful information about your healthcare plan, including:

• Your policy documents
• Claim forms – more details about claims can be found here
• Medical, travel, safety, and cultural information
• How to access hospitals, physicians, clinics and health and wellness specialists
• Online health program (if you have bought the International Health & Wellbeing option)

Cigna Global Customer Care Contact Information

Cigna Global Customer Care and Claims Email:  [email protected]

Cigna International Phone Numbers: New Sales: US: 877-758-4881 – International +1 617-500-6738 Customer Care: +44 (0) 1475 788182, or toll free from inside the US on 1 800 835 7677 Call Collect / Reverse Charges: Call will be accepted by Cigna Hong Kong – Phone: 2297 5210 Singapore – Phone: 800 1865047

Cigna Global FAQ

Does cigna global offer insurance for the elderly.

Cigna Global offers the Cigna Global Medical Insurance plan, with no age limit for applicants or current subscribers. You may apply for coverage at any age and remain on the policy for life.

Getting international medical insurance from Cigna is possible if you are a senior citizen.

Is Cigna Global only for expats?

Cigna Global is for expats and any applicant living abroad for six months or more per year. So any individual living abroad may be eligible to apply, regardless of your status. The plan also provides coverage in your country of nationality for up to 180 days per year.

Does Cigna Global cover doctor's visits for cancer?

International medical insurance provides cover for inpatient, day patient, and accommodation costs, as well as coverage for cancer, mental health, and much more. Our Gold and Platinum plans also cover you for maternity inpatient and day patient care.

More to Read:

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How to Get the Best Car Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

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Senators See Possible Conflicts of Interest in Health Care Pricing Tools

A data analytics firm that helps insurers collect big fees while leaving some patients with unpaid bills has been summoned to explain its business model.

By Chris Hamby

Chris Hamby has been investigating the lucrative business of out-of-network medical claims.

The chairmen of two Senate committees overseeing health policy, concerned about companies “padding their own profits” at the expense of patients, are looking into the practices of a data analytics firm that works with big insurers to cut payments to medical providers.

The firm, MultiPlan, recommends what it says are fair payments for medical care, but the firm and the insurers can collect higher fees when payouts are lower. This business model could “result in an improper conflict of interest,” the chairmen of the two committees, Ron Wyden of Oregon and Bernie Sanders of Vermont, wrote in a letter to the firm’s chief executive that was released on Tuesday.

The senators called on MultiPlan to meet with the committees’ staffs to discuss an investigation last month by The New York Times that found the firm’s pricing tools could leave patients with unexpectedly large bills when they see doctors outside their health plans’ networks.

“Our committees are engaged in ongoing legislative work to put a stop to practices by plan service providers that drive up health care costs for consumers while padding their own profits,” the letter to Travis Dalton, the MultiPlan chief executive, said.

In a statement, MultiPlan said it was working with the Senate committees “to address their questions and explain the cost and complexity patients can face” when choosing high-priced care outside their networks. “We are committed to helping make health care transparent, fair and affordable for all,” the statement said.

The committees’ inquiry reflects growing scrutiny of the New York-based firm, which has largely remained out of the limelight even as it has staked out a dominant position in a lucrative corner of health care.

Another senator, Amy Klobuchar of Minnesota, this month asked federal antitrust regulators to investigate whether insurers and MultiPlan were colluding to fix prices, and multiple health systems have sued the firm, accusing it of similar anticompetitive behavior.

Separately, the Department of Labor said Tuesday that it had “a number of open investigations” into the type of pricing services MultiPlan provides, but declined to name specific companies. The agency, the primary regulator of employer-based health insurance, stressed in a statement that companies were legally obligated to ensure the firms processing medical claims acted in their employees’ best interest.

The letter from Mr. Wyden, a Democrat, and Mr. Sanders, an independent, also steps up attention on employer-based health insurance, which is the most common way Americans get coverage and a major component of MultiPlan’s business.

As health care costs climb, some employers are looking more closely at what they pay insurance companies to administer their plans, but they are often frustrated by contracts that limit access to their own claims data. To address this, a bipartisan group of senators, including Mr. Sanders, introduced legislation in December that would require insurers to turn over this data .

“Most businesses do their best to manage the ever-increasing cost of their group health plan, but it should be easier,” Senator Mike Braun, an Indiana Republican and cosponsor of the bill, said in a statement.

A majority of employers choose to pay medical claims with their own money and use an insurer to administer their plans. This setup, known as “self-funding,” can be lucrative for insurers like UnitedHealthcare, Cigna and Aetna, as well as specialized firms like MultiPlan.

The insurers pitch MultiPlan’s tools as a way to save employers money when their employees see a medical provider outside the plan’s network. The bills for these out-of-network providers are subject to negotiation, and insurers often send the claims to MultiPlan, which recommends an amount to pay.

Both MultiPlan and insurers typically collect a fee from the employer based on the size of what they call the “savings” — the provider’s list price minus the recommended payment. Lower payouts can mean bigger fees. Meanwhile, patients can be stuck with the unpaid balance, The Times investigation found.

Companies are legally obligated to ensure the insurers act in employees’ best interest, and a closely watched lawsuit filed last year could force them to become more active monitors.

A worker at Johnson & Johnson sued the company, saying it had failed to adequately oversee the administrator of its drug benefits plan. By paying too much — in one instance, $10,000 for a drug that was available for as little as $28.40 — the company had allowed the administrator, the Cigna subsidiary Express Scripts, to profit at employees’ expense, the suit claimed.

In a statement, Johnson & Johnson called the claims “meritless” and said, “We are committed to our employees and seek to provide the best coverage.”

A small industry of consultants, lawyers and data analysts has arisen to help companies step up monitoring and negotiate better deals with the insurers administering their plans.

Kraft Heinz last year sued Aetna, claiming the insurer improperly paid claims and kept millions in undisclosed fees. Trustees for a union health plan in Massachusetts sued Blue Cross Blue Shield of Massachusetts in 2021, accusing the insurer of repeatedly overpaying claims and then charging a fee to correct the errors. And in January the Department of Labor sued Blue Cross and Blue Shield of Minnesota, claiming the company forced multiple employers to pay medical providers’ tax bills without disclosing the charges.

(Aetna declined to comment on the case but said it worked with employers “to facilitate access to quality, affordable and convenient health care.” Blue Cross and Blue Shield of Minnesota said the government’s allegations were “without merit” and “based on unsupported interpretations” of the law. A court dismissed the Massachusetts case.)

The success of the employers’ efforts sometimes hinges on an unsettled legal question: Does a company’s duty to act solely in its employees’ best interest extend to insurers and firms like MultiPlan? Courts have reached different conclusions.

MultiPlan has argued that the answer is no, and in March a federal judge in California agreed, dismissing the company from a lawsuit filed by medical providers. The case against the insurer, Cigna, was allowed to go forward.

In pitches to investors, MultiPlan has highlighted its murky legal obligations. Because the firm doesn’t provide insurance or pay claims, it noted in a public filing, “we generally are not directly regulated and face significantly lower levels of regulatory complexity.”

Chris Hamby is an investigative reporter for The Times, based in Washington. More about Chris Hamby

Our Coverage of Congress

Here’s the latest news and analysis from capitol hill..

Joe Manchin: The conservative West Virginia Democrat who has said he will retire at the end of his term switched his party registration to independent , leaving open the possibility of another run for office.

Departing House Members: A wave of House retirees from both parties, including committee chairs and rising stars, say that serving in Congress is no longer worth the frustration .

Cuellar Investigation: The House Ethics Committee has launched an investigation  into Representative Henry Cuellar, Democrat of Texas, over allegations that he accepted bribes and committed misconduct in office.

Border Deal Fails Again: Senate Republicans blocked a bipartisan border enforcement bill  for a second time this year. The vote amounted to a political trap  laid for Republicans by Senator Chuck Schumer, the majority leader.

Noncitizen Voting Law: The House passed legislation that would undo a District of Columbia law allowing noncitizens to vote  in local elections, part of a broader G.O.P. bid to amplify false claims of widespread illegal voting by immigrants.