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.
Representative Jonny G. provided comprehensive information with professionalism and more importantly with respect and compassion. Moving abroad can be challenging and stressful. Jonny made this part of the journey and process stress free. Slainte
Gordon Barr was quick to respond, dealt with my request quickly and professionally, and the experience was made pleasant through Gordon’s competence. I want to express my gratitude for him and hope that he will my future point of contact for any matters that will arise.
Morgan was extremely responsive to my inquiries. His explanations of the policy were very clear and easy to understand. He was able to provide competitive pricing while delivering a very comprehensive policy that exceeded my expectations. Five stars and I strongly recommend Cigna and Morgan.
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This is my third year with Cigna and I am very pleased to have switched from my old insurance company whose quotes reached sky-high prices. Since last year I have Ms. Sarah Ann Fagan as my account manger and she looks after me very efficiently. I have decided to reduce my health cover as out patient costs in Austria are not very high, Sarah Ann came back to me within a day and offered me a new quote.
Cigna is a cheating scam insurance company. I told them I wanted to start a month after I called them, and they promised they would not charge me or start the coverage, and then they started it right away and so I paid an extra month. Now a year later, I have been trying to cancel my insurance and they just ignore me. I sent them an email, no response. I chatted with them, their representative said there was an open case for cancelling so they couldn't do anything more. But then, I got a charge for August even though I had been clear several weeks before that I was cancelling and didn't authorize any further deductions. I have now sent another email and I have received no responses. They are ignoring me to collect their fees. Disgusting behavior while they make billions by refusing care and cheating people out of healthcare.
Doesnt work in Rotterdam. Im living in the netherlands and no doctor wants to treat me with this insurance. I cant find a huisart. I need support and nobody call me or replay my request. Mi policy number is: 950126411
Thank you to Morgan McGroarty for his help in sorting out a Policy for my student daughter in her year abroad at speed. Documents received soon afterwards. I like the fact that at least I can speak to a person and not go through some long online form which doesn't answer your questions or a Customer Service line that doesn't answer the phone. Best
This has been the easiest and best experience ever dealing with an insurance company. My initial enquiry received a call back within an hour. John Brownlie talked me through the different options and answered all my questions, he then ran through the application with me and within 48hrs I was set up. I would highly recommend Cigna. There customer service is excellent.
Excellent work , excepcionaly available , could not ask for more !
As happened last year as well, the initial renewal invoice from CIGNA was an abomination. I very high, unjustified increase landing without any proper communication or human touch. I reached out to my Platinum Account Representative Vasile Burduja who was again excellent. He addressed the issue in no time. His friendly and professional service stopped me from starting to transfer away from CIGNA. He deserves recognition and a pat on the back.
Yes I had made an initial call to inquire about an international insurance coverage for myself. Being totally ignorant of the whole subject William Bach spent the time and effort to, will call it to educate me in the subject of international insurance policies. William is extremely knowledgeable of this subject and was able to share his expertise with me so that I was able to make a determination on what type of policy would fit my needs. Poor William had to receive many calls from me and had to help me through the process step by step because on top of it I’m old and kind of computer illiterate. William was alway nice, patient and very considerate with me. I couldn’t ask for anyone better. William Bach in my opinion is a definite asset to the Cigna Management Team. He is definitely 100% committed to Cigna Insurance Co. and is proven to go beyond the 100 percent levels to achieve a very positive outcome for the company. I would like to thank you for hiring people like William Bach since it makes doing business with Cigna a pleasurable experience. Sincerely, Russ YVON (A happy client)
Cigna Global Health was a huge help for me when I was living as an international student in Hungary for two years. I had emergency situations twice when I needed to see an ear, nose, and throat specialist. Cigna reimbursed me for a large portion of the costs of those visits. Moreover, they covered all of the medication I needed.
Morgan was great! Gave me all the options, tailored to my needs, and provided excellent customer service. Give him a raise!!!
Alex was very patient in answering all of my questions and providing information. He took the time to review the policy limitations and benefits. I really appreciated his professionalism and responsiveness.
The plans were extremely well explained by Jack Bradbury. Since we are not familiar with healthcare insurance and how to use it in France, this was vital for us to know what we were selecting. Jack explained the various plans and their costs to us in a comprehensive manner with great kindness and even fun. We feel that we understand what is covered and what is not covered quite well.
First of all, I appreciate Gordon Barr’s direct and timely response and support. I understand that he has to reinforce Cigna’s requirements. He does so with respect and courtesy and with clarity. Furthermore the customer service team is also always helpful. It is difficult to navigate my current circumstances. I appreciate that Cigna has assigned a resource for me to go to for assistance. Frances M Strickland
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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