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.
Gordon was simply outstanding . He was very clear and direct on my options , very kind and mindful when I needed more information and an explanation and ultimately very fast in putting Together the renewal . What I really appreciated is that he foresaw that I may have a bank card limit with the annual payment and he suggested to do a wire / he really impressed me Wit that .
Very smooth process with a thorough explanation and follow up by the Cigna professional 'Andrew'. Cheers for your help Andy, I did not know it could be this easy!
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My journey to Berlin took over one year to navigate and Michelle continued to support me using Cigna insurance despite all the trials and tribulations. She was supportive in her interactions with my daughter and son in law.
Very quick and effective process. Robert Muir was very helpful and quick to follow up and to answer questions.
My account handler Gordon Barr immediately responded to my request for changes to my policy, I am pleased to accept his suggestions.
It was a smooth process completed in less than 30 minutes
I'm giving feedback on my experience with Andy Reilly at Cigna Global. He helped me navigate through the different plans for Cigna Global as I was researching various companies for international insurance. Andy was very responsive, informative and considerate which helped me in my decision to go with Cigna.
Gordon is an excellent communicator. He really listens to and understands the needs of his clients. I am very pleased with our relationship.
Andy Reilly was invaluable in helping us set up our insurance policy. He answered all of our questions professionally, practically, and patiently. If you need a great health insurance policy, ask for a great representative--Andy Reilly!
It was great experience with great support from team at cigna.
We were searching for international coverage for our son who will be studying abroad and we felt that Cigna Global had the best coverage to offer. Besides having great coverage, Andy who we initially spoke with was extremely knowledgeable, responsive and was so easy to talk with! Not only is Andy our insurance agent, once the policy became active, he’s still there along with fantastic customer service to answer any questions! They actually pick up the phone quickly!! If we could rate them a 10 we would! Thanks Andy and Cigna Global! We appreciate you all!!
Easy to deal with, at least in the process of creating the arrangement!
Habe an Cigna vor ca. 1 Monat per Mail eine Anfrage wegen einer Auslandskrankenversicherung gerichtet. Ich erhielt am 23.07.2025 unter der Absendeadresse „DB2001“eine Bestätigung des Eingangs mit den Details meiner Angaben. Zugleich wurde ausgeführt, dass sich die Versicherung in Kürze melden werde. Am 03.08. habe ich dann noch die gewünschte Versicherungszeit (10.08. bis 14.09.) präzisiert. Die einzige Reaktion von Cigna war die Mail vom 23.07., danach habe ich nichts mehr gehört. Ich bin total enttäuscht und halte das Kommunikationsverhalten dieser Versicherung für absolut schlecht.
This has been the worst customer service experience of my life. The incompetence, lack of care and general stupidity is profound. I’ve been trying to cancel my policy for MONTHS and it’s some hotel California schtick, they won’t let you leave?! DO NOT give these greedy people your money. THE WORST.
Cigna has the worst customer service I have ever experienced. I provided all the requested documents upfront, including the referral letter, which they already used to give me approval for my treatment. But when I submitted my reimbursement application, they asked me again for the exact same referral letter — a document they already had on file. This shows a complete lack of coordination, professionalism, and basic care for their customers. Instead of supporting patients during critical times, Cigna creates unnecessary obstacles, delays, and frustration. It feels like their system is designed to make the process as difficult as possible rather than to actually help. This experience has left me extremely disappointed and distrustful of Cigna as a company. If you are considering them, be prepared for endless paperwork, repeated requests for the same documents, and zero accountability from their side.
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.
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