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In a world that’s becoming increasingly interconnected, so it’s easier than ever to travel and live abroad. Whether you are an expatriate, a frequent traveler, or planning a long-term international stay, one crucial consideration is your health insurance coverage. Suitable medical treatment is available worldwide for those with international health insurance. Cigna, a globally recognized health insurance provider, offers a range of international health insurance options. This comprehensive guide will explore does Cigna cover international health insurance, costs, and short-term health insurance alternatives.

Understanding Cigna’s International Health Insurance

What is Cigna’s International Health Insurance?

Cigna’s International Health Insurance is a specialized plan designed to provide comprehensive healthcare coverage to individuals living or traveling outside their home country. This insurance is ideal for expatriates, international students, frequent travelers, and global citizens. It ensures that you have access to medical services, hospitalization, and emergency care no matter where you are.

Key Features of Cigna’s International Health Insurance

Cigna’s international health insurance offers several key features:

  • Global Network:

 Cigna has a vast global network of healthcare providers and facilities. This means you can access quality healthcare services in numerous countries.

  • Emergency Evacuation:

 Cigna will pay for your evacuation to a different place or your home country if you need to be taken because of a medical emergency.

  • Coverage Flexibility:

 You can change the details of your Cigna plan to fit your needs. You can pick the amount of coverage and add-ons that work best for your needs and way of life.

  • Wellness and Preventive Services: 

Cigna’s plans often include wellness programs, preventive care, and access to health and fitness resources.

  • 24/7 Customer Support:

 Cigna provides round-the-clock customer support, ensuring you can get assistance and information anytime.

The Cost of Cigna’s Global Health Insurance

Factors Affecting the Cost

The cost of Cigna’s global health insurance can vary widely depending on several factors:

  • Age:

 Younger individuals typically pay lower premiums, while older individuals may pay more due to increased health risks.

  • Location: 

The cost can be influenced by your destination or region. Some countries have higher healthcare costs than others.

  • Coverage Level: 

The extent of coverage and any add-on options you choose will impact the cost. Comprehensive plans with more range will naturally be more expensive.

  • Deductibles and Co-pays: 

Higher deductibles and co-pays can reduce your premiums but increase your out-of-pocket expenses when you need care.

Sample Costs

To give you a better idea, here are sample monthly premiums for Cigna’s international health insurance:

  • Basic Coverage:

 A plan for a healthy 30-year-old in Europe may start at around $80 per month.

  • Comprehensive Coverage:

 A comprehensive plan with more coverage for the same individual could cost approximately $150 monthly.

  • Family Coverage:

 Family insurance costs can change significantly depending on how many people are in your family, how old they are, and what kinds of coverage you choose.

Please note that these are just sample costs, and your actual premium may differ based on the factors mentioned earlier.

How to Save on Cigna’s Global Health Insurance

While international health insurance is a valuable investment, there are ways to save on your premiums:

  • Healthy Lifestyle:

 Living a healthy life can lower your chance of health problems, reducing the cost of your insurance.

  • Choose Wisely: 

Consider your needs carefully and choose a coverage level appropriate for your circumstances. Avoid over-insuring if it’s not necessary.

  • Deductibles:

 If you’re comfortable with a higher deductible, you can reduce your monthly premiums. However, be prepared to pay more out of pocket when you need care.

  • Annual Payments: 

Some insurance providers, including Cigna, offer discounts if you pay your premium annually instead of monthly.

Cigna’s Short-Term Health Insurance Options

What is Cigna’s Short-Term Health Insurance?

Cigna also offers short-term health insurance plans designed to bridge gaps in coverage. These plans are suitable for individuals who are in temporary situations, such as those between jobs or waiting for long-term coverage to begin. They provide a range for a limited duration, usually up to 364 days, and are more affordable than long-term international health insurance.

Key Features of Cigna’s Short-Term Health Insurance

  • Affordability:

 Short-term plans are cost-effective and offer flexibility in payment options.

  • Quick Enrollment: 

You can typically enroll in a Cigna short-term plan quickly, making it a practical choice for those needing immediate coverage.

  • Coverage Duration: 

Short-term plans can cover various durations, from weeks to months.

  • Customizable:

 Cigna’s short-term goals are customizable, allowing you to select the coverage level and options that suit your situation.

  • In-Network Access:

 These plans often provide access to Cigna’s global network of healthcare providers.

Short-Term vs. Long-Term Insurance

While short-term health insurance is convenient in certain situations, it’s essential to understand the key differences between short-term and long-term international health insurance:

  • Duration: 

Long-term insurance provides continuous coverage for an extended period, while short-term insurance is temporary.

  • Comprehensiveness:

 Long-term plans offer a comprehensive range, while short-term goals are more limited.

  • Pre-Existing Conditions:

 Short-term goals may not cover pre-existing conditions, while long-term goals often do.

  • Renewability:

 Long-term plans can constantly be renewed, while short-term goals have a maximum duration and may not be renewable.

FAQs About Cigna’s International Health Insurance

Q1: Does Cigna’s international health insurance cover pre-existing conditions?

A1: Cigna may provide coverage for pre-existing conditions, depending on the specific plan and underwriting. Be sure to inquire about this when purchasing a plan.

Q2: Can I renew my Cigna short-term health insurance plan?

A2: Cigna’s short-term health insurance plans may not be renewed, and you may need to reapply for coverage if necessary.

Q3: Is Cigna’s international health insurance available for individuals of all ages?

A3: Cigna provides international health insurance for individuals of various age groups, but premiums may differ based on age.

Q4: Can I cancel my Cigna international health insurance plan if my plans change?

A4: Cigna typically allows you to cancel your plan, but reviewing the terms and conditions is essential to understand any cancellation fees or requirements.

Q5: What is the maximum duration for Cigna’s short-term health insurance plans?

A5: Cigna’s short-term health insurance plans usually cover up to 364 days.

Q6: Does Cigna offer coverage for maternity and childbirth in its international health insurance plans?

A6: Some Cigna international health insurance plans offer maternity and childbirth coverage as an optional add-on. Be sure to check the specific plan details.


Regarding international health insurance, Cigna gives people living or traveling abroad many choices to meet their different wants. Whether you’re looking for long-term coverage, short-term bridging solutions, or specific add-ons like maternity coverage, Cigna’s plans are customizable to suit your requirements. While the cost of international health insurance may vary based on several factors, it’s a vital investment to ensure you have access to quality healthcare no matter where life takes you. To make an informed decision, explore Cigna’s offerings and consult with their representatives to choose the plan that best suits your needs.

Tailored International Health Insurance

Cigna stands out for its commitment to providing tailored international health insurance solutions. Their plans are designed to accommodate each individual’s specific needs and circumstances, ensuring that you’re not paying for coverage you don’t require.

Short-Term Convenience

Cigna’s short-term health insurance plans offer a convenient and affordable way to bridge coverage gaps for those in temporary situations. These plans can be quickly enrolled in, making them ideal for individuals who need immediate protection.

Ensuring Maternity and Childbirth

Expanding your family while living or traveling abroad is a joyful event. Cigna recognizes this and offers maternity and childbirth coverage as an optional add-on for some international health insurance plans, providing peace of mind during these life-changing moments.

A Global Safety Net

International health insurance’s actual value lies in its safety net. No matter where you are, Cigna’s global network ensures you access quality healthcare services and emergency care, preventing unexpected medical expenses from becoming a burden.

Investing in Your Well-Being

The cost of international health insurance may vary depending on age, chosen coverage level, and location. However, viewing this as an investment in your well-being and security is essential. Cigna’s plans are designed to be flexible, So you can pick a plan that fits your needs and budget.

Your Path to Informed Decisions

Explore Cigna’s comprehensive offerings to make the best decision for your international health insurance needs. Take the time to consult with their knowledgeable representatives who can guide you through the process, ensuring you choose the plan that provides the coverage and peace of mind you deserve.

To take the next step in securing your international health insurance with Cigna and to get free, personalized quotes, visit and embark on your journey to comprehensive global coverage. Your health and well-being deserve the best protection.

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Alexander Miller
About Alexander Miller

Alexander Miller is an esteemed health and wellness author whose passion for empowering individuals through informed decision-making in the realm of health insurance is unparalleled. With a Bachelor's degree in Health Sciences and a Master's in Public Health Policy, Alexander brings a wealth of expertise to the table. His journey into the intricacies of health insurance commenced during his early career, where he worked closely with various healthcare organizations, witnessing firsthand the challenges individuals faced in navigating the complex landscape of insurance policies. Driven by a desire to simplify this intricate domain, Alexander delved deep into research and analysis, becoming a voice of clarity in an otherwise convoluted arena. Alexander aims to demystify health insurance through his engaging writing style and insightful articles, making it accessible and understandable for all. His work is characterized by a commitment to breaking down jargon, offering practical advice, and shedding light on the nuances of insurance plans, empowering readers to make informed choices tailored to their unique needs. Beyond his writing, Alexander is a passionate advocate for health literacy and equitable access to healthcare. He regularly volunteers at community health events, sharing his knowledge and expertise to enhance health awareness among underserved populations. When he's not immersed in the world of health insurance and policy, Alexander enjoys hiking in the great outdoors, experimenting with new recipes in the kitchen, and exploring diverse cultures through travel. Through his contributions to, Alexander aspires to continue guiding and educating readers on their journey towards securing the best health insurance coverage, fostering a healthier and more informed society. Please note that I'm AI-Alexander, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

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