Cigna Healthcare - Individual Expat Health Insurance Reviews 3,559

Gordon Barr made sure I had everything I needed in time for when I needed it! They couldn’t have been more helpful! Thanks to Greg Hughes, as well!

Quick and complete, i have been already while in WFP in Cigna , very good service and staff

Friendly and professional. All information provided in a timely manner.

No claim payment since September 2025

Absolutely useless insurance. Do NOT trust health and safety of your family to these dinosaurs. The only option they have is their CITY bank, that fails to make a payment 6+ months. I gave them bank account credentials in local US, UK, EU (SEPA), Turkey, Georgia, Canada banks. Everything failed at their side. They have no idea about Revolut, WISE, PayPal. They stuck in 2000s with their CITY bank.

I would forget this $130 claim, if this was not about the health insurance. It must work like a swiss watch. But it does not.

Claim ref: 2141535 2250480283
Policy number: 921149543
Cigna Case Number: 07035884
Online claims reference: CS6717488

Cigna GIH case 07344505

Thynne Court was incredibly helpful as my family sought to change our medical insurance through Cigna. I know I asked many questions that may have seemed silly or redundant, and Thynne aways answered with patience and grace. I'm grateful for her gentle assistance and kind disposition.

My wife and I have had Cigna Individual Expat Health Insurance for two years. In the first year, my wife suffered a serious illness that required brain surgery. Cigna paid every peso owed with no hassle, and they did so quickly. Having wrestled with American health insurance companies for the last 50 years, this was a pleasant surprise.

Aside from the insurance itself, our account manager Gavin Mendes has been amazing! He's been with us since the day we signed up and has helped with the renewals. Gavin is friendly, competent, and dependable. When he says that he will follow up, you will receive a follow up—no question about it.

I had a true 5-Star customer service experience with CignaHealth rep Darren Hampson. I was concerned about my policy premium's affordability, and he worked out a solution to keep my as a loyal customer. He was responsive and empathetic in our email back-and-forth. His quality of service reflects well on Cigna. Thank you, Cigna and Darren!!

My monthly premium is $296 per month with Cigna Global for a zero-deductible international health insurance plan.
Recently, I had a genuine medical emergency at Bangkok Hospital. After ER evaluation and testing, I was diagnosed with a kidney stone. I was treated with medication and discharged the same day. The total hospital bill was approximately 10,000 THB.
Cigna denied the claim on the basis that I was classified as “outpatient” because I was not admitted overnight.
During enrollment, I was explicitly told by the agent (in writing) that emergency room visits would be covered. However, after submitting the claim, I was informed that only inpatient hospitalization is covered under my policy.
At no point during the sales process was it made clear that an ER visit would only be covered if I stayed overnight. Had I known this, I could have requested admission for observation , which would have resulted in a significantly higher hospital bill. I find this structure confusing and misleading. An emergency room visit is, by definition, an emergency. It should not depend on whether a patient remains in the hospital past midnight.
Prospective customers should carefully review whether their policy includes outpatient and ER coverage before purchasing.
I wrote to Cigna that I intend to pursue formal legal remedies regarding the denial of my claim.
I requested the following information below, and 3 time they refused to provide it.
Information requested:
Please advise, pursuant to my policy, the following:
1. The governing law applicable to my policy.
2. The designated legal jurisdiction and forum for dispute resolution.
3. The legal entity issuing my policy and its registered address.

Sarah Ann Fagan has been my Cigna policy advisor since 2024. Year after year, she has made a personalized effort to ensure that we are satisfied with the value and quality of our health insurance.

Reviewed medical policy in detail and also provided written guidance. Was informed and answered all my questions and concerns.

Megan was fantastic and took the time to understand my needs

Excellent service by Sonny Mcilroy! He provided clear, detailed information and always replied to my queries promptly. Dealing with international insurance can be overwhelming, but he made the whole process much easier and smoother. Highly recommend his support!

I was looking into getting private health insurance and Robert Muir was very helpful and guided me for every step of the process. Answered all my questions and was very patient with me.

Michelle made the application and entire process very easy. She provided good comparisons, counsel and follow up.

Robert was very attentive and answered my questions quickly

I could ask any questions and the service was great and I got all my answers I needed. Also really friendly and nice man Kevin Marra.
im impressed by your service

Good customer service, flexibility around circumstances, proactive outreach

Truly and outstandingly excellent -- highest praise and substantial gratitude to Robert Muir for his expertise, patience, genuine kindness, consideration, and perfect guidance. Without him we would never have been able or willing to conclude this arrangement, and he is a treasure. With warm thanks and congratulations.

Very nice and helpful!!

Agent Andrew Reilly was very pleasant, knowledgeable, and helpful.