Cigna Healthcare - Individual Expat Health Insurance Reviews 3,564

Abbie was amazing with everything. Explained everything in detail and helped me find the best plan possible for me a s a student here in Spain. Her hospitality and her kindness really helped me choose CIGNA. Thank you!

it is 2025, this company is still asking for you to email PDFs with bank routing numbers for claims, and not a secure app. They have a very poor onboarding process for the newly insured. Feels expensive for the quality of customer service so far. Just found out they no longer have a direct relationship with the medical unit we have been using for the past 5 months, making the insurance more difficult to use.

Excellent interactions with the account handlers Paige Philbin and Gordon Barr. I am very happy with the service received from them through the subscription and now, at renewal time

I requested the assistance of my account manager, Sarah Ann Fagan, to obtain a certificate for the French administration, and she was extremely efficient. In fact, every time I need her help, the team is always very responsive and supportive. I truly appreciate their excellent service.

Cigna has been endlessly delaying a simple reimbursement claim for my emergency hospitalisation, despite their own portal repeatedly showing that they owe me the full amount and that I owe nothing. I was explicitly promised in chat and by email that the claim would be processed within 5 days, then within 10 days, yet each deadline passed with no payment and only vague excuses about “internal review” and “finance team” issues. They even blamed the currency, although they had already converted the bill and entered the euro amount in their system. Overall, I feel misled, ignored, and left without support at a time when I most needed my health insurer to act quickly and honestly.

When attempting to bring the policy to an and as its no longer neccessary, Discover I have been misled that policies are not in fact monthly but yearly and dispite the fact that no credit checking or debt assessment is done. I am now obligated to pay out the remainder of the years contract. For no benifit to myself.

For reference I have made a small claim that is less than monies already paid in premiums, And yet the refuse to release my obligation. I also offer to repay the claims given, but still this is unacceptable.

They care only to squeeze as much money from you as possible with no care of compassion.

They have offered to amend the policy to reduce parties and increase cost sharing, which brings down the amount of money I have to pay for no benifit.

Also they have 0 coverage in west Canada so any claims will have to be paid out of pocket. Dispite whatever you might be told when being sold.

Finally they don't actually have a pre authorisation process. any time I asked about specific potential appopoints I was just refered to my policy documents and essential told pay up front then find out if we will cover you later.

Do not expect them to be any help or care for you. The only thing I can say is perhaps all health insurers are the same.

Edit 15/01/2026:
Attempted to reach out as per reply and received no response.

Great experience and helped me with clear info

Sonny explained everything, walking me through the process.

We are clients since 30.11.2025 and we can only comment the application procedure which was understandable and easy to manage for us. Your agent in Johannesburg did a great job - the communication is/was very clear and the response time was always very quick.

My next order of Dayvigo 10mg at Waldreens costs me $143.21. Previous order price was $136.29. What is the price set up between the pharmacy and Cigna drug insurance?

Thanks. I received a response from Cigna.

Darren did a fabulous job working thru a time sensitive issue. His response time was outstanding. Can't express enough how helpful Darren was during this entire process. Highly recommend!

Gordon is extremely professional & efficient! I'm so happy he is my representative at Cigna! Hopefully we have a long business relationship moving forward..so far so good!!! Thank you,Kristin

Ask for Claire Watt. She explains everything in clear detail and guides you through exactly what you need. 10/10

My questions and concerns were answered in a most polite and professional manner. Your representative Aws Altaee. He was extremely patient, and knowledgeable!
Thank you
EmmaCMartin

Great staff, super product and highly recommended!

Stuart in the sales team deserves a special mention for his outstanding professionalism, in-depth knowledge of their product range and overall customer care.

Well done!!!!

I needed to change my policy so that I had a new certificate of one years insurance for an application for a french visa.

I feel extremely lucky to have ended up dealing with an account handler as professional and attentive as Gordon Barr.

He went above and beyond to change my policy at the last minute the day before my appointment with TLS Contact.

Mr Barr and some of his admin team even stayed late to ensure everything was completed and ready for me to print.

I couldn’t have asked for a better customer service representative and feel that Cigna is extremely well represented by such an amiable and generous employee.

Abby made it super easy and is extremely friendly to talk to. She knows her stuff and is happy to answer any questions. Never thought I would enjoy talking to an insurance Company.

Robert was professional, thorough, and patient through the application process. He was never pushy, which I appreciate. He kept at it until we had a product that fits our needs.

Over the past two years, Cigna has upgraded its services to customers, most notably its processing of claims now achieved in a timely manner. My senior account handler, Gordon Barr, has been very helpful in providing information and responding to my requests.