Cigna Global - Individual Expat Health Insurance

One star is generous. We paid for an annual coverage of international health insurance and with lack of communication from Cigna and our local hospital, I often had to pay out of pocket. I have been waiting months for reimbursement on medications and every time I follow up they say they will check the status and update me but fail to do so. On another note they seemed to have cancelled our policy early when I explicitly stated the date that we needed our international health insurance coverage to end. It looks like we are now uninsured abroad, with no account, and again no response about our policy and claims. Save yourself some trouble and do not do business with Cigna.
Apr 29th, 2023

Do not get insurance here. They ignore you once you have signed up and never get back to you. I was quoted for my insurance and they knew I was from Canada, never in my quote or conversation was it brought up that it was USD, which added $600 to my total. This was back in January I called to cancel in January upon discovery and am still working on trying to get my deposit back was then charged again recently for $200 by them? For nothing and no one is returning my e-mails, calling is useless as you just get new reps horrible, horrible experience. Do not get your travel insurance here.
Apr 18th, 2023

I have pre-approval for my sons treatment. The pre-approval process took forever. Their policy says the reimbursements should happen in 5 working days after the claim, it never happens. Now I have been waiting for 2 months for a reimbursement. The communication is terrible. Sometimes they request information already given in the claim. Most of the emails are not answered. When they answer they ask for more 14 working days to process the claim. I am afraid this is a scam.
Mar 29th, 2023

Do not use Cigna. Absolute shambles of an insurance company. Offer 0 customer support (normally need to wait 1-2 weeks to speak to someone) and their online portal and app straight up do not work. Go with literally anyone else.
Mar 16th, 2023

Do not recommend. Unfortunately the only positive experience with the company was during the sales of policy. After that the overall service was mostly disappointing. Upon signing my policy, I was advertised a wide range of health care providers in my new country, but in reality none actually accepted Cigna insurance, and my family needed to pay out of pocket. Submitting claims afterwards was never an easy process, neither was dealing with their billing and accounts. Unfortunately their online web portal is not helpful either. When I needed to retrieve policy receipts, I had to go through multiple agents via their callcenter, over multiple days, and the company has yet to email receipts for payment. If you are a global professional looking for a service that performs as promised, this is not be your best option.
Mar 1st, 2023