Cigna Healthcare offers international health insurance and global medical coverage specifically designed for individuals and families living abroad. The company provides a range of health plans tailored to meet the needs of expatriates, students, retirees, and those working overseas. Cigna's services include various types of cover, optional benefits, and resources to assist clients in navigating their health insurance options while residing in different countries. Targeting a diverse clientele, including individuals, families, and employers, Cigna Healthcare aims to deliver comprehensive health insurance solutions that cover a wide array of destinations around the world. Their plans are structured to ensure that customers receive the necessary medical support and guidance, no matter where they are located. With a focus on international health insurance, Cigna supports expats in managing their healthcare needs effectively.
Cigna Healthcare's Individual Expat Health Insurance receives high praise for its customer service, with many reviewers highlighting the professionalism and responsiveness of staff like Gordon and Robert. Consumers appreciate the quick and clear communication, making the onboarding process smooth and efficient.
However, there are significant concerns regarding coverage denials, particularly for surgeries deemed "experimental," leading to frustration among some users. Additionally, several customers report difficulties in reaching support when attempting to cancel their policies, indicating a gap in customer service during critical moments. While many express satisfaction with their overall experience, the issues surrounding policy cancellations and coverage exclusions detract from the positive sentiment.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.3 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Jul 25 | 5.0 | 4 |
| Aug 25 | 4.4 | 39 |
| Sep 25 | 3.9 | 17 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“I had to urgently change my plan for my university, at first I was told there may be complications as it has been ove...”
“I now want to cancel my policy as I am now over the minimum period and within my right to cancel, however I cannot ge...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | — | 60 |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.9 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 60 |
Bottom line: Cigna Healthcare - Individual Expat Health Insurance is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 4.2).
60 reviews of Cigna Healthcare - Individual Expat Health Insurance. Filter by what matters to you.
Over a year ago
I had to urgently change my plan for my university, at first I was told there may be complications as it has been over 2 weeks since I started my plan. With the help of Darren H from support, I manage... See more
Over a year ago
My Company switched to Cigna this year. I tore my rotator cuff and am supposed to have surgery to repair this tear. The weekend before the surgery the company denies covering me for this surgery. I ha... See more
Over a year ago
Sonny was very professional. He had clear communication and great follow-up. I had an issue and he worked through it to get it resolved. Excellent experience.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
I had to urgently change my plan for my university, at first I was told there may be complications as it has been over 2 weeks since I started my plan. With the help of Darren H from support, I managed to upgrade my plan within just hours
My Company switched to Cigna this year. I tore my rotator cuff and am supposed to have surgery to repair this tear. The weekend before the surgery the company denies covering me for this surgery. I have a physical job that requires my arm to actually function and I barely sleep due to the pain in my arm. Without this surgery my arm is not going to get any better. In fact in time it will likely get worse. If this company does not alter the decision to cover the insurance and more damage comes as a result. I will sue this company for the damages for every dime I can possibly sue them for. They are obviouly a lousy company considering most reviews say they deny coverage constantly.
Sonny was very professional. He had clear communication and great follow-up. I had an issue and he worked through it to get it resolved. Excellent experience.
Quick, easy to understand and very helpful
I signed up for expat insurance. I fortunately never had to file a claim. I now want to cancel my policy as I am now over the minimum period and within my right to cancel, however I cannot get any response from customer care regarding my request, I have tried the listed support channels, some of which are not working at all (website errors, links not working)... just radio silence. UPDATE: Customer care got in touch a bit after this review. I am updating to 2 stars for now and will wait to see if I no longer get billed at the end of the month, in which case I will consider a higher score.
Terrible. All of a sudden things aren’t covered which Cigna deems as ‘experimental’ when it is not. A major surgery needed was rejected. So not worth the 12k annual for the policy. Exclusions from everything one needs in a medical policy. Try anything else.
Gordon Barr understood my issue and request and addressed it immediately and very quickly to great satisfaction. He was very courteous and very pleasant to speak to, made me feel at ease. Very competent and professional! Makes a huge difference when you are treated the way I was treated by Gordon. Great customer service! Thank you!
Robert was very attentive, patient and supportive throughout the entire process, guiding me through different options and helping me select the plan that best fit my financial and health circumstances. I feel safe and secure knowing that I have global coverage with Cigna, and highly recommend to anyone looking for a flexible and customizable health insurance option. Thank you!
its amazing to have CIGNA as our partner in giving protection to our clients they help and patient fully for giving an explanation for product.. best choice for health insurance
I had the international coverage for about two years and it was great coverage. The most important aspect for me is customer service. The UK international team are the most respectful and patient customer care workers I have ever experienced in health care, so that was the best part. I think it is pretty common in health care that if you do utilize it you can't cancel for the remaining period (which should be changed in general, at least take into consideration what was used and how long the covered person was under contract) but the customer care team helped me reduce the coverage at that time at least for the remainder of the policy which was nice. I had the insurance renew automatically which was a surprise and they could do a better job of making that clear in the email it was only in the subject line but it should be VERY clear in the contents of the email as well. I did have very easy conversations and had my policy cancelled and refunded but be AWARE of the 14 day deadlines- but Greg Hughes made my day each time I spoke with him on the phone and helped me get the care cancelled easily with no back and forth or redirecting my calls. I was connected to him easily and he was a pleasure.
Very responsive, provided necessary information and very polite.
The entire process has been very easy, and all of my questions were answered with speed and efficiency.
I wrote for weeks for a quote on a Cigna policy and did not receive a response in a timely fashion, then received responses that were confusing. I booked a date/time to speak with an agent on Calendly and he did not show up to our meeting.
Trying to get in touch with anyone since weeks. I'm emailing customer care, my so called account managers, requesting for a callback multiple times. Nothing works. No call backs, no reply to my emails and the online chat function doesn't work. I would give zero stars, if I could. EDIT: You're asking me to send email to the same email address I'm trying to get an answer from ince weeks? Why not just answering my original emails?
Very easy and excellent support by Juerg Odermatt
Robert Muir has been of amazing help! Super friendly and he helped me solve all my issues I had with purchasing an insurance
Jonathan and Claire guided me through a complicated plan purchase with patience and sensitivity. They answered my many questions well. I finally have my policy, and hopefully the rest of my experience with Cigna will stay as positive. 10/10!
I'm on the rampage. They denied my claim saying hospital not needed but yet they won't discharge me..roid rage is getting them now!!
Cigna Healthcare offers international health insurance and global medical coverage specifically designed for individuals and families living abroad. The company provides a range of health plans tailored to meet the needs of expatriates, students, retirees, and those working overseas. Cigna's services include various types of cover, optional benefits, and resources to assist clients in navigating their health insurance options while residing in different countries. Targeting a diverse clientele, including individuals, families, and employers, Cigna Healthcare aims to deliver comprehensive health insurance solutions that cover a wide array of destinations around the world. Their plans are structured to ensure that customers receive the necessary medical support and guidance, no matter where they are located. With a focus on international health insurance, Cigna supports expats in managing their healthcare needs effectively.
This profile hasn't been claimed by the business owner.
