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International Health Insurance for wherever life takes you

Award winning International Health Insurance for Individuals and families living abroad

Get a quote in just 2 minutes

• United Kingdom
• United States
• ===========
• Afghanistan
• Aland Islands
• American Samoa
• Antigua and Barbuda
• Bosnia and Herzegovina
• British Indian Ocean Territory
• Brunei Darussalam
• Burkina Faso
• Cayman Islands
• Central African Republic
• Christmas Island
• Cocos (Keeling) Islands
• Congo, DR of
• Cook Islands
• Cote d'Ivoire
• Cyprus Northern
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• Falkland Islands
• Faroe Islands
• Federated States of Micronesia
• French Guiana
• French Polynesia
• French Southern Territories
• Guinea-Bissau
• Heard Islands and McDonald Islands
• Holy See (Vatican City State)
• Isle of Man
• Lao Peoples Democratic Republic
• Libyan Arab Jamahiriya
• Liechtenstein
• Marshall Islands
• Nagorno-Karabakh
• Netherlands
• Netherlands Antilles
• New Caledonia
• New Zealand
• Norfolk Island
• North Korea
• Northern Mariana Islands
• Papua New Guinea
• Philippines
• Pitcairn Islands
• Puerto Rico
• Saint Barthelemy
• Saint Helena, Ascension and Tristan da Cunha
• Saint Kitts and Nevis
• Saint Lucia
• Saint Martin
• Saint Pierre and Miquelon
• Saint Vincent and the Grenadines
• Sao Tome and Principe
• Saudi Arabia
• Sierra Leone
• Solomon Islands
• South Africa
• South Georgia and the South Sandwich Islands
• South Korea
• South Ossetia
• Svalbard and Jan Mayen
• Switzerland
• Timor-Leste
• Transnistria
• Trinidad and Tobago
• Turkmenistan
• Turks and Caicos Islands
• UAE-Abu Dhabi
• UAE-Fujairah
• UAE-Ras al-Khaimah
• UAE-Sharjah
• UAE-Umm al-Quwain
• United States Minor Outlying Islands
• Virgin Islands (British)
• Virgin Islands (US)
• Wallis and Futuna
• Western Sahara

What is International Health Insurance?

An international health insurance plan gives you access to private health care services across the globe..

Cigna’s health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.

How does International Health Insurance work?

With cigna's international health plans, you can access private healthcare providers anywhere within your region of travel..

This means you don't have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.

International Health Plans for:

Global Professionals

From new overseas assignees, to seasoned expats, to digital nomads, we’ve got your healthcare covered.

Our family-friendly plans are crafted to address the health and well-being needs of you and your loved ones.

Comprehensive health plans designed for your retirement abroad, leaving you free to live life to the full, wherever that may be.

Ensure your healthcare needs are met during one of life’s most exciting adventures - studying abroad.

Get a quote, quickly.

It shouldn't take a whole lunch break to get a health insurance quote. We'll give you an idea of your price in 2 minutes.

Frequently Asked Questions

How do i get international health insurance.

With Cigna, it's easy to start building your international health insurance plan. To find the right cover for you, start by getting a quote online. You’ll be asked a few basic questions like who to cover, where you're based, and how long you'd like the cover for. You'll receive an indication of price straight away and one of our team-members will be in touch to answer any questions and set up cover over the phone.

What's the difference between international health insurance and travel insurance?

International health insurance policies are designed for people living or working overseas long term. It covers treatment for both emergency and routine health care, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover. A travel insurance policy is designed to cover short trips abroad, such as a holiday or business trip. This kind of insurance only offers short term cover for medical emergencies, and some non-medical benefits like cover for lost luggage or trip disruptions.

Why do expats need insurance?

The quality of health care can vary widely around the world. The quality of care in your new country may not be to the standard you were used to back home. In addition, as a foreign national, you and your family may not be entitled to any free or subsidized health care. It is therefore important to consider an expat health plan to provide for the health care needs of you and your family.

What does expat health insurance cover?

A Cigna expat health insurance policy is flexible to your needs. Start with one of our core insurance policies - these provide protection for essential hospital stays and treatment. Surgeon and consultation fees and hospital accommodation are also covered. Inpatient, outpatient and cancer treatments are also provided for. In addition, our Gold and Platinum core policies offer levels of cover for routine maternity needs.

You can tailor your policy with a range of optional benefits. International Outpatient provides you with more extensive outpatient cover including doctor’s visits and prescriptions. In addition, you can add medical evacuation, health and well-being and vision and dental benefits to your policy.

How much does expat health insurance cost?

The cost of health insurance will vary by plan and insurer. Some insurers might offer you cheap plans, but the cover they provide may be significantly less. At Cigna we work hard to ensure that we keep our levels of cover high and prices down. Our plans are flexible and tailored to you.

What countries can international health insurance cover me for?

You can choose to be covered anywhere in the world. And your cover travels with you, whether you're moving between two countries or travelling more extensively.

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Long-Term Expatriate Medical Insurance

Cigna global medical insurance: a customizable and robust long term international health insurance option for expats, a ‘build-it-yourself’ expatriate medical insurance plan with options to choose from, such as premium mental health care benefits and enhanced preventative medical care, why we like it:.

WE RECOMMEND the Cigna Global Travel Health Insurance plan for all types of expatriates, business people and those traveling or living abroad over 1 year. This overseas medical insurance plan has guaranteed renewability. It also covers all regions and nations, features excellent customer service and has many Direct-Pay agreements worldwide.

Learn about the plan through this video

Cigna has a great reputation and a worldwide network of over 1 million hospitals and physicians.

You can also “design your own plan” with just the items and benefits you require.

• Customize your plan by handpicking the coverage options that suit your requirements
• A legacy of trust: serving over 86 million expatriate customer relationships across 200+ countries and jurisdictions
• Embrace the freedom of no age restrictions and guaranteed policy renewability
• Tap into a global network of over 1 million hospitals and physicians

More insurance details and benefits

CIGNA TRAVEL INSURANCE:

• 3 levels of cover – Silver, Gold and Platinum
• For expatriates and globally mobile individuals
• Worldwide network of over 1 million hospitals and physicians
• 24 hour access to medical experts
• Worldwide or Worldwide excluding USA cover
• No age limits
• Guaranteed renewability

Who Is The Cigna Travel Insurance Plan Designed For?

Click to view plan features.

The Cigna Global Travel insurance plans are best for:

• Families and individuals living overseas; expatriates looking for excellent coverage
• International workers & volunteers who want the strength and reach of the Cigna brand
• Businesspeople used to western-style group health insurance and nationalized health care benefits
• Growing families and soon-to-be families wanting to make sure their little one(s) are protected

Why are these plans best?

• They are highly customizable to include or exclude exactly what you need
• Newborn care for all; Maternity included on Gold and Platinum
• Great sports coverage
• Choose between Worldwide or Worldwide excluding the USA to save additional dollars

Choose from optional modules

Don’t pay for benefits or options you will never use.

Your core cover

International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs. It also has cover for cancer, psychiatric care and much more. Gold and Platinum plans also include maternity cover after 12 months of continuous coverage.

Your optional modules

Build a unique plan by adding on your choice of optional modules. Choose from International:

• Medical Evacuation
• Health & Well Being
• Vision & Dental

Deductibles and cost shares provide you with additional options which help you build a customized plan which fits your budget.

A bit of advice/explanation

Cigna Global Individual Private Medical Insurance provides excellent health insurance overseas for the most discerning expatriates and globally mobile individuals. There are three coverage levels, various additions, and an array of deductible and cost share options. You can be sure to find a plan which meets both your exacting overseas health requirements and your budget. Coverage is available for expatriates, business people working overseas and international volunteers with NGOs. Also nonprofits, humanitarian organizations and the faith-based community.

The Cigna Global travel insurance plans have a unique way of operating. Let’s start from the beginning, which is the coverage that is provided at minimum – the Core! The Core coverage on these plans is for hospitalizations, inpatient psychiatric care, and cancer. Newborn care is also included for all three levels of coverage. Maternity benefits are included with Gold and Platinum after 12 months of coverage. Expenses from doctors visits, prescriptions or medications, and physiotherapy or physical therapy are not covered at the Core coverages.

You may add the following modules to your coverage. Each of these coverage levels provides additional benefits, which are tailored for maximum proficiency. This is a prominent reason that the Cigna Global plans are extraordinary health insurance overseas!

International Outpatient :

This module is for expenses from lab work, doctors visits, prescriptions and physical therapy. Also immunizations, as well as annual routine for children and well child tests. The higher the level of coverage, the lower the caps are on some benefits.

International Medical Evacuation :

This coverage is highly recommended for any type of international travel. International medical evacuation insurance is designed to provide transportation to the nearest adequate medical facility for necessary treatment. This is if there is no local treatment available for the immediate medical necessity. Adding this module will provider you with not only medical evacuation coverage, but also repatriation of mortal remains, compassionate visit, and more. All of the benefits are the same for every level of coverage.

Even though great hospitals may be in your destination, they may not be able to handle every type of medical condition. We never want any individual, or their families, to be stuck with a medical evacuation bill!

International Health and Wellbeing :

This is a wonderful addition to support overall health and wellbeing! It is a rich resource that gives you access for health screenings and check-ups, physical exams, counseling, dietetic consultations, and online education and programs. All of this can be included to help you get the most out of your overseas medical insurance.

International Vision and Dental :

General coverage for tests, preventative care, and some coverage for treatment and materials relating to Dental and Vision.

U.S. Coverage :

Having U.S. coverage is very important for those with travels to the U.S.A., and for U.S. citizens. Coverage up to six months per year is available on the Cigna Global international health and travel insurance. Even if a U.S. citizen doesn’t plan to come back to the U.S., if a serious medical condition occurs, they sometimes go back to the U.S. for care. Citizens of other countries traveling outside the U.S. will save money by not selecting this module.

In Summary:

For the Core and for the International Outpatient module, you have the option to choose your deductibles, as well as cost sharing. Cost sharing is where you can choose a sum of money to pay a percentage of after the deductible. The higher the amount and percentage you pay with the cost share, the lower the premium will be. On the other hand, the higher your deductible and cost share you have, the more you will pay before full benefits kick in. When you get quotes, you will see how each module affects the premium.

Overall, this Cigna Global international health and Cigna travel insurance is extraordinary coverage and gives you many options to create a health benefit package to fit your needs and travel plans.

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Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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Using Your Cigna Healthcare Plan

A comprehensive member guide packed with information on how to use your plan to its fullest, now and throughout the year.

Welcome to Cigna Healthcare

It’s easy to get started using your plan.

Alaska residents: If you are having difficulties with claims, reimbursement, coverage eligibility, or to access your ID card, please log in to myCigna for 24/7 access to your account or to contact us.

Activate your myCigna ® account

Activate your account on myCigna. 1 Even if your plan is not fully active yet, you can get started with some of myCigna’s features. It’s quick and easy and the best way to manage your plan.

With myCigna you can:

• Find in-network doctors, care, and cost estimates
• Get access to 7 million+ verified patient reviews from other Cigna Healthcare SM members
• Connect with virtual care (telehealth) providers, 24/7
• Print or view your ID card
• Manage prescriptions or find a pharmacy

Activate your account

Get the myCigna ® mobile app 2 and stay connected anywhere

Instant access to your health care data.

The myCigna app uses one-touch access, making it easy for you to update your profile settings and personalize, organize, and access your health information on the go.

Download the app today.

Manage Your Plan With myCigna

All aspects of your plan are available on myCigna. See who's covered, what's covered, your claims, health and wellness programs, and more.

Get the myCigna ® mobile app 1 and stay connected anywhere

Log in to mycigna to manage your plan:.

• View and pay claims
• Access ID cards
• Change or choose a doctor
• Review plan coverage or documents

Your digital ID cards go everywhere you do

You may not automatically receive medical, vision, and pharmacy ID cards in the mail at the beginning of your plan year.

You have immediate access to your digital ID cards and proof of coverage anytime you need them, right from myCigna.com or the mobile app. Apple users —go to your digital ID card on the app to add to your Apple Wallet ® .

How to use them

Digital ID cards can be easily shared: Download the card image to save, share, print, or email to dependents or providers as needed.

Providers will have different ways to process digital ID cards.

• Show your ID card on your phone screen at the provider's office
• Save an image and email it to them from your secure myCigna inbox
• Print an ID card to give to them

Activate your account to access your digital ID cards

View your digital ID cards

Why digital ID cards?

• Digital ID cards contain all the same information as a physical ID card.
• They are never lost or stolen—they are only accessible through your secure myCigna account.

Getting Care

Get virtual, in-person, or immediate care, virtual care (telehealth) 3.

Your plan provides access to medical, mental health, and wellness virtual care (telehealth) options so you have access to care 24/7.

Activate your myCigna account to set up virtual care or learn more about our virtual care services .

Virtual care (telehealth) 2

Your plan provides access to medical, mental health, dermatology, dental, and wellness virtual care (telehealth) options so you have access to care 24/7.

Set up virtual care or learn more .

Schedule your preventive care— it’s no cost to you

Preventive care is covered 100% by your plan when you go to in-network doctors and providers. 4 This benefit, alone, can save you hundreds of dollars a year.

Preventive care usually includes:

Your annual check-up

Most routine screenings and vaccinations

Preventive care is covered 100% by your plan when you go to in-network doctors and providers. 3 This benefit, alone, can save you hundreds of dollars a year.

What about getting other kinds of medical care and services?

For visits with doctors and providers for medical issues that are not preventive , here are some tips:

• If required by your plan, get a referral from your Primary Care Provider (PCP)
• Go to in-network doctors, specialists, hospitals, and facilities
• Know how your plan covers you for non-preventive care and services
• Track where you are with your deductible and coinsurance, if they apply

Activate your myCigna account to view details of your coverage and covered services.

View details of your coverage and see a list of covered services.

Not sure what type of care you need?

Talk to a nurse for free.

Need immediate care?

If you need to see a doctor right away, you have options depending on the type of medical care needed.

Convenience Care Clinics

When you need face-to-face medical attention for minor illnesses (flu shots, vaccines, allergies, etc.) but can’t wait for an appointment, a Convenience Care Clinic (walk-in clinic) is your best bet for immediate, affordable care.

Find a Convenience Care Clinic near you

Urgent Care Centers

If you need medical attention for a non-emergency medical condition (back pain, colds and flu, broken bones, etc.), an Urgent Care Center typically costs less than the ER with shorter wait times.

Find an Urgent Care Center near you

Emergency Room (ER)

If you have a life-threatening medical condition, were in a serious accident, or suddenly become ill, go to the Emergency Room. This is typically the most expensive option and reserved for emergencies only.

Find an Emergency Room near you

This information is for educational purposes only. It isn't medical advice and does not replace care from a physician. Cigna Healthcare isn't responsible for issues due to the use, misuse, interpretation or application of this information. Always ask your provider for appropriate examinations, treatment, testing, and care recommendations, including when you choose another provider for care.

This information is for educational purposes only. It isn't medical advice and does not replace care from a physician. Cigna Healthcare SM isn't responsible for issues due to the use, misuse, interpretation or application of this information. Always ask your provider for appropriate examinations, treatment, testing, and care recommendations, including when you choose another provider for care.

Employee Assistance Program (EAP) - Real support for real life

If you purchase a plan through an employer*, you and anyone in your household has access to our Employee Assistance Program (EAP). 5 Connect with licensed clinicians to help with emotional wellness, mental health, and other issues you may be experiencing such as help with finding elder care, caregiver support, pet care, and more.

Learn more about EAP services that may be available to you.

If you purchase a plan through an employer*, you and anyone in your household has access to our Employee Assistance Program (EAP). 4 Connect with licensed clinicians to help with emotional wellness, mental health, and other issues you may be experiencing such as help with finding elder care, caregiver support, pet care, and more.

Find, compare, and choose a dentist

If your plan includes dental coverage, you’ll have access to dentists and dental specialists in 309,000+ 6 convenient locations within the large nationwide network of Cigna Healthcare.

Dentist Ratings

$0 preventive care, verified patient reviews.

If your plan includes dental coverage, you’ll have access to dentists and dental specialists in 309,000+ 5 convenient locations within the large nationwide network of Cigna Healthcare.

Activate your myCigna account to get access to all of the above, or search for dentists using our public directory.

Find a dentist

Get paid for dental services that treat gum disease

Our Dental Oral Health Integration Program ® is a no additional cost program that pays back your out-of-pocket costs (up to your plan’s maximum) for specific dental services that treat gum disease and tooth decay. 9 Simply register for the program first before getting care from your dentist.

You qualify for the program if you're currently being treated for:

Get paid back for dental services that treat gum disease

Our Dental Oral Health Integration Program ® is a no additional cost program that pays back your out-of-pocket costs (up to your plan’s maximum) for specific dental services that treat gum disease and tooth decay. 8 Simply register for the program first before getting care from your dentist.

• Chronic Kidney Disease
• Head and Neck Cancer Radiation
• Heart Disease
• Organ Transplant
• Rheumatoid Arthritis
• Sjogren's Syndrome
• Parkinson's Disease
• Amyotrophic Lateral Sclerosis (ALS)
• Huntington's Disease
• Opioid Misuse and Addiction

Activate your myCigna account to view covered dental services and see if you're eligible for this program.

See covered dental services and if you're eligible for this program.

Continuity of Care

Is your doctor leaving your plan's network.

If so, and you're actively receiving treatment, you can apply for Continuity of Care . If approved, this may allow you to continue with your treatment or procedure with your health care provider at an in-network coverage level.

Starting a new plan? Avoid gaps in care.

You may be able to continue to receive services for certain medical and behavioral conditions at an in-network coverage level, even if your current health care provider isn’t in your new plan’s network. Apply for Transition of Care to determine if you are eligible.

To apply for either Continuity of Care or Transition of Care, go to Customer Forms . These forms are under the Medical section.

To apply for either Continuity of Care or Transition of Care, go to Forms Center . These forms are under the Medical section.

Manage Prescriptions

Your plan may offer convenient, cost-saving programs and services including home delivery pharmacy, specialty medications through Accredo ® , a Cigna Healthcare specialty pharmacy, access to thousands of in-network retail pharmacies, and more.

Make the Most of Your Cigna Healthcare Pharmacy Benefits

Home delivery with express scripts pharmacy.

Your Cigna Healthcare plan could include access to home delivery with Express Scripts ® Pharmacy. It’s convenient, secure, and free for medications you’re taking on a regular basis. 10

Features of this service, include:

90-day supply

24/7 access, auto refills.

Your Cigna Healthcare plan could include access to home delivery with Express Scripts ® Pharmacy. It’s convenient, secure, and free for medications you’re taking on a regular basis. 9

90-day supply 10

Activate your myCigna account to manage your prescriptions (if applicable) or learn more about home delivery .

Log in to manage your prescriptions  or learn more about home delivery .

Take any specialty medications?

As part of your Cigna Healthcare-administered pharmacy benefits, you may have access to Accredo ® , a Cigna Healthcare specialty pharmacy. 12

If you have a complex medical condition such as multiple sclerosis, hepatitis C, or rheumatoid arthritis, Accredo can fill and deliver your specialty medication to your home (or location of your choice). 13

Prescription cost and coverage tools

Price your medications.

Use the Price a Medication tool on myCigna to look up medications covered by your plan, find low cost alternatives, network pharmacies, and more.

Activate your myCigna account to look up drugs and costs.

Prescription drug lists

Visit Price a Medication to look up drugs and costs.

Claims and Accounts

Manage your claims.

You just got back from a doctor’s visit, now what? In most cases, your in-network doctor will submit a claim for you. Once Cigna Healthcare reviews your claim, you’ll receive an explanation of benefits (EOB) document that shows you the cost for each service, what your plan covered, and any other costs that you may have to pay. Manage your claims with the following:

View Claims and EOBs

Submit a claim online.

Activate your myCigna account to view, manage, or submit a claim or learn more about claims and EOBs

Log in to myCigna to manage your claims or learn more about claims and EOBs

Pay medical expenses with a spending account

If your plan includes a health care spending account, you can use it to help pay eligible health care expenses.

Find out how to use a HSA, HRA, and FSA

View a list of eligible expenses

Not sure if your specific plan includes a spending account? Log in to myCigna to find out.

Health and Wellness Programs and Services

If you’re being offered a Cigna Healthcare plan through your employer, you may have access to additional programs and services to help make your life easier and healthier. Activate your myCigna account today and get started with these programs:

If you’re being offered a Cigna Healthcare plan through your employer, you may have access to additional programs and services to help make your life easier and healthier.

Incentive Awards Program 14

Healthy Pregnancies, Healthy Babies ® Program

Lifestyle Management Programs

Plan documents and forms.

• View Plan Documents for Medical and Dental plans, past and present.
• View Customer Forms for important claims, privacy, or authorization forms.

Additional Resources

• Cigna Healthcare Glossary
• Knowledge Center
• Quality Resources [PDF]
• Commitment to Quality [PDF]
• Language Assistance
• Coverage Policies

*Not available if you have purchased your own insurance.

1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com .

2 App/online store terms and mobile phone carrier/data charges apply.

3 Cigna Healthcare provides access to virtual care through participating in-network providers. Not all providers have virtual capabilities. Cigna Healthcare also provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. All health care providers are solely responsible for the treatment provided to their patients; providers are not agents of Cigna Healthcare. Refer to plan documents for complete description of virtual care services and costs.

4 Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care service.

5 Employee assistance program services are in addition to, not instead of, your health plan benefits. These services are separate from your health plan benefits and do not provide reimbursement for financial losses. Program availability may vary by plan type and location, and are not available where prohibited by law.

6 Cigna Healthcare internal data March 2020. Subject to change.

7 Brighter features may vary by dentist. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist.

8 Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply. Cigna Healthcare Dental plans in MD cover one dental cleaning per calendar year.

9 This program provides reimbursement for certain eligible dental procedures for customers with qualifying medical conditions. Customers must enroll in the program prior to receiving dental services to be eligible for reimbursement. Reimbursement is applied to and subject to any applicable annual benefits maximum. See your plan documents or contact Cigna Healthcare for complete program details.

10 Not all plans offer home delivery as a covered pharmacy option. Please log in to the myCigna ® App or website, or check your plan materials, to learn more about the pharmacies in your plan’s network.

11 Standard shipping costs are included as part of your prescription plan.

12 Not all plans offer Accredo as a covered pharmacy option. Please log in to the myCigna ® app or website, or check your plan materials, to learn more about the pharmacies in your plan's network.

13 As allowable by law.

14 Healthy Rewards programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services.

1 App/online store terms and mobile phone carrier/data charges apply.

2 Cigna Healthcare provides access to virtual care through participating in-network providers. Not all providers have virtual capabilities. Cigna Healthcare also provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. All health care providers are solely responsible for the treatment provided to their patients; providers are not agents of Cigna Healthcare. Refer to plan documents for complete description of virtual care services and costs.

3 Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care service.

4 Employee assistance program services are in addition to, not instead of, your health plan benefits. These services are separate from your health plan benefits and do not provide reimbursement for financial losses. Program availability may vary by plan type and location, and are not available where prohibited by law.

5 Cigna Healthcare internal data March 2020. Subject to change.

6 Brighter features may vary by dentist. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist.

7 Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply. Cigna Healthcare Dental plans in MD cover one dental cleaning per calendar year.

8 This program provides reimbursement for certain eligible dental procedures for customers with qualifying medical conditions. Customers must enroll in the program prior to receiving dental services to be eligible for reimbursement. Reimbursement is applied to and subject to any applicable annual benefits maximum. See your plan documents or contact Cigna Healthcare for complete program details.

9 Not all plans offer home delivery as a covered pharmacy option. Please log in to the myCigna ® App or website, or check your plan materials, to learn more about the pharmacies in your plan’s network.

10 Some medications aren’t available in a 90-day supply and may only be packaged in lesser amounts. For example, 3 packages of oral contraceptives equal an 84-day supply. Even though it’s not a “90-day supply,” it’s still considered a 90-day prescription.

14 Healthy Rewards programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services

I want to...

• Get an ID card
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Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.

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Medical Benefits Abroad®

Peace of mind for your employees, a global flexible solution for you.

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Login and manage your account with the Cigna Envoy® website

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• Medical Benefits Abroad

MEDICAL BENEFITS ABROAD®

If your business requires that your employees travel internationally, you'll want a policy that's committed to high quality health care with benefits that follow them wherever and whenever they go. Our Medical Benefits Abroad® plan includes cover for unexpected illness or injury while your employees are travelling on business, whether they need hospital or out-patient care, emergency dental treatment or a replacement prescription.

And because there's nothing worse than falling ill when you're far from home, we aim to make the process smooth and hassle-free. Our customer service representatives are available around the clock every day of the year and will facilitate direct billing where possible, and we've developed an online portal where you can file your claim – or research your destination before you travel.

Is Medical Benefits Abroad® the right plan for your company?

Your company requires employees to travel on international business trips

For coverage details, click here

Medical Emergencies

Prescription drugs of replacement meds, dental emergencies, medical evacuation, crisis assistance plus, accidental death & dismemberment, medical benefits abroad explained.

See how our Medical Benefits Abroad solution keeps your employees covered when they're travelling internationally.

Comprehensive information, services and support at CignaEnvoy.com

• Online global provider directory search
• Printable ID cards
• Claim submissions
• Benefit information
• Drug translation tool
• Immunization requirements
• Disease prevention tips

Need more information?

To learn more about our global health solutions, call, email us or complete our short contact form .

International SOS / CIGNA Medical Benefits Abroad

Link to International SOS Portal for Duke Travelers

Membership Cards

Students should download and print the  Student Duke ISOS membership card  (PDF) prior to international travel.

Employees can download and print the  Employee ISOS-CIGNA membership card  (PDF).

International SOS

Duke University has contracted with  International SOS (ISOS)  to offer its travelers the highest possible level of travel, medical and security advice and services, as well as online access to information that is helpful in preparing for your travel and learning about your destination. Services range from telephone advice and referrals to full-scale evacuation by private air ambulance. The ISOS network of multilingual critical care and air-medical specialists operates 24-hours a day, 365-days a year from the ISOS Alarm Centers around the world. Your ISOS membership, provided by Duke, is additional protection against unexpected difficulties that can arise when you are away from home on a Duke program or Duke business. It is designed to supplement the policies, procedures and support staff which the University already has in place as well as your personal international health insurance and the CIGNA Medical Benefits Abroad coverage.

ISOS coverage applies to Faculty, Staff and students - both Undergraduate and Graduate - who travel abroad on a Duke funded, sponsored or organized trip. ISOS also covers accompanying dependents who are traveling with an eligible employee or student. Please note that ISOS is NOT health insurance and does not cover personal travel. To learn more and to print your Duke-ISOS membership card, please visit the  Duke-ISOS portal . If you have any questions regarding the ISOS plan please visit  Corporate Risk Management .

CIGNA Medical Benefits Abroad

The  CIGNA Medical Benefits Abroad  (MBA) program provides short-term health insurance for full-time, benefits eligible  employees  and their accompanying dependents when they travel abroad on behalf of Duke for trips that are six months or less in duration. The CIGNA MBA coverage is just like your regular health insurance and given they've partnered with ISOS, Duke employees enjoy a seamless experience if/when they encounter an illness or injury abroad. Duke advises a traveler to make CIGNA MBA the first place to call if they become ill or injured while traveling internationally.  You can learn more about the plan, download an Insurance Certificate or print your Duke CIGNA MBA membership card at the  CIGNA Medical Benefits Abroad  section of Duke Human Resources.

Note: International travel that entails an employee being abroad for longer than 6-months should enroll in a health insurance plan that offers international coverage. Accepting a long term international assignment is, in most cases, considered a "qualifying event" and allows one to change insurance plans. You can learn which providers will cover international residents and their dependents at the  Benefit Summaries  section of Duke Human Resources.

• Plans in Detail
• Optional Benefits

Global Health Insurance Plans Optional Benefits

Enhance your International Medical Insurance cover by adding optional benefits. Our optional benefits give added protection to your core plan and you can add as many benefits as you like.

International Outpatient

(Silver, Gold and Platinum only)

Includes outpatient care and medical emergencies where a hospital admission as a day patient or inpatient is not needed. Also includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre- and post-natal outpatient care, physiotherapy, osteopathy, chiropractic care and more.

Your overall limit

Paid in Full

Your International Outpatient benefits

We will pay for:

• Outpatient Physiotherapy;
• Outpatient Occupational therapy;
• Osteopathy and Chiropractic treatment;
• Speech therapy; and
• Cardiac and pulmonary rehabilitation.

Available once the mother has been covered by the policy for 12 months or more.

Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.

No coverage

Available once the beneficiary has been covered by this option for 24 months or more.

Up to a maximum of 4 attempts per lifetime. Available for beneficiaries up to 41 years old.

$10,000 per lifetime

Available once the beneficiary has been covered by this option for 12 months or more.

Up to a combined maximum of 15 consultations per period of cover.

If a beneficiary is aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire (and is a special exclusion as detailed on your Certificate of Insurance), we will pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia .

Your deductible and cost share options

A deductible is the amount which you must pay before any claims are covered by your plan.

$0 / $150 / $500 / $1,000 / $1,500

Cost share is the percentage of each claim not covered by your plan. The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover. The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

First, choose your cost share percentage: 0% / 10% / 20% / 30% Your out of pocket maximum is: $3,000

International Vision and Dental

International Vision and Dental pays for the beneficiary’s routine eye examination and pays costs for spectacles and lenses. It also covers a wide range of preventative, routine and major dental treatments.

Vision care

1 eye examination per period of cover

• Spectacle lenses;
• Contact lenses;
• Spectacle frames;
• Prescription sunglasses.

Dental treatment

Per beneficiary per period of cover.

Available once the beneficiary has been covered by this option for 3 months or more.

Available once the beneficiary has been covered by this option for 18 months or more. Only available up to 18 years old.

International Health and Wellbeing

We understand the importance of your overall wellbeing and living a balanced life. In addition to health screenings, tests and examinations; this module also empowers you and your family with the services and support to manage your own individual day-to-day health and wellbeing. Your Wellness companion, comprising of the Life Management Assistance programme and the Telephonic Wellness Coaching, is available to help you and your family stay healthy and well, both physically and mentally.

Your International Health and Wellbeing benefits

Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more.

Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals.

Up to 4 consultations per period of cover.

International Evacuation and Crisis Assistance Plus™

(Silver, Gold and Platinum)

Provides coverage for medical evacuation in the event of an emergency and global crisis response services. This includes emergency transport to a centre of medical excellence, repatriation home following a serious incident, costs for compassionate visits, and global crisis response services in the event of a travel or security risk.

Your International Evacuation and Crisis Assistance Plus™ benefits

The programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're travelling.

FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

Up to a maximum of 5 trips per lifetime.

Per day up to 10 days per visit.

Outpatient and Wellness Care

(close care only).

Outpatient and Wellness Care covers you more comprehensively for outpatient care that may arise where a hospital admission as a daypatient or inpatient is not required. Benefits include coverage for consultations with medical practitioners and specialists, prescribed drugs and dressings, physiotherapy and osteopathic and chiropractic treatments. As your whole health partner, you will also be covered for a range of pre-cancer screenings, routine adult physical exams, and have access to our Life Management Assistance Programme and our Telephonic Wellness Coaching programme.

Your Outpatient and Wellness Care benefits

Unlimited consultations 

This is a combined benefit limit with the consultations with medical practitioners and specialists benefit.

$1,000 

Up to a maximum of 45 days in the period of cover.

$1,500 

Paid in full (Up to the overall annual limit)

Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals

Up to the combined maximum amount shown per period of cover.

$225 $400 (Combined limit for all cancer screenings)

$400 (Combined aggregate limit)

Dental care and treatment

Maintain your oral health with the Dental Care and Treatment option. This option covers you for a wide range of preventative, routine and major dental treatments.

Your Dental Care and Treatment benefits

After the beneficiary has been covered on this option for 3 months.

80% refund per period of cover

After the beneficiary has been covered on this option for 12 months.

70% refund per period of cover

Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit and you should refer to the Customer Guide for full benefit details. The benefits contained within the Benefit Table are applicable to annual policies commencing or renewing on or after 15th September 2021. For annual policies commencing or renewing before 15th September 2021 please refer to your policy documents for benefit details. The benefits described may be subject to change.

Prices are displayed in US Dollars (USD) only. Please refer to the Sales Brochure to see benefit limits displayed in EUR / GBP.

Please note, the waiting periods for maternity related benefits listed in the above Cigna Global Health Options Customer Brochure may be 12 or 24 months depending on your insurance entity. Please contact us for further details.

Ready to choose your plan?

Our specialists are here to guide you through a personalised quote.

Call +44 (0) 1475 492 119 ( 877 539 6295 Inside US – Toll free). You can also request a callback or build your plan online.

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Getting care while traveling just got easier

Kaiser Permanente’s agreement with Cigna provides more convenient access to care when you’re away from home.

The last thing anyone wants to worry about while traveling for work or on vacation is how to get emergency or urgent health care if you need it during your trip. A new collaboration with Cigna eases that concern for Kaiser Permanente members.

Our members who are away from home can now access Cigna’s national PPO, or preferred provider organization, network of physicians and providers should they need emergency or urgent care during their travels.

“This new feature provides our members an improved experience, added convenience, and greater confidence that if they get sick or are injured while away from home, they will have access to great care,” said Arthur Southam , MD, executive vice president of health plan operations for Kaiser Permanente. “This gives our members another option to get the high-quality care they need, wherever they are.”

More ways to get care

Our members now have even more ways to get care when and how they need it — virtually and in person. With Get Care Now on kp.org , members have 24/7 access to care from Kaiser Permanente health care professionals by phone or video. For in-person care while away from home, Kaiser Permanente members are covered for urgent and emergency care, anywhere in the world. This new access to Cigna’s U.S. provider network makes getting that care easier and more convenient.

As part of this improved experience with Cigna, members with Kaiser Permanente HMO or exclusive provider organization plans won’t pay up front or have to file a claim for reimbursement — they will only be responsible for their regular copay or other cost share.

And if it’s more convenient, members can still go to any urgent or emergency care facility while traveling and submit a claim to Kaiser Permanente for reimbursement.

Learn more about how to get urgent or emergency care away from home .

Helpful tips before traveling

Are you a Kaiser Permanente member who travels on business trips, to visit family, or for vacation? Make sure you know how to get care while away from home.  

• Register on kp.org so you can see your health information online and email your Kaiser Permanente doctor’s office with nonurgent questions anytime.
• Get our Kaiser Permanente app to stay connected when you’re on the go and for quick access to your digital ID card. You can also order a new or replacement card before you travel.
• Save the Away from Home Travel Line phone number, 951-268-3900 (TTY 711), to your mobile device for travel support anytime, anywhere.
• See your doctor   (sign in required) if you need to manage a condition during your trip.
• Refill your eligible prescriptions (sign in required), including contact lenses, to have enough while you’re away. Be sure to refill at least 1 or 2 weeks before your trip so there’s time to process your request.
• If you travel by plane, keep your prescription medications with you in your carry-on baggage.
• Make sure you understand  what services are covered while you travel . Call the Away from Home Travel Line if you have any questions.

Visit kp.org/travel to learn more.

Note: The Cigna PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO for Shared Administration. Cigna is an independent company and not affiliated with Kaiser Foundation Health Plan, Inc., and its subsidiary health plans. Access to the Cigna PPO Network is available through Cigna's contractual relationship with the Kaiser Permanente health plans.

The Cigna PPO Network is provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

The Cigna PPO Network is not available to HMO and EPO members enrolled in coverage issued by Kaiser Foundation Health Plan of Washington and Kaiser Foundation Health Plan of Washington Options, Inc.

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Travel insurance

Tricky travel insurance questions answered by experts

Erica Lamberg

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC July 2, 2024

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• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance and Your Travel Visa

Getting Insurance with a Travel Visa

International travel requires a lot of research and planning – and not just for what clothes to pack in your suitcase. Depending on where you plan on visiting, some countries require all tourists have a valid travel visa in order to enter the country. A visa is an official document granted by the country you are planning on traveling to, that gives you permission to enter the country for a specified amount of time.

Not all visas are the same and each country deals with tourists and business travelers differently. Some countries issue visas based on the purpose of a visit i.e., tourist visas, student visas (i.e. J1 visa ), etc. Some countries issue visas that are only valid for a few days and some countries don’t require a visa at all unless you are staying for more than 90 days. And some countries, such as Afghanistan and Pakistan, require a visa regardless of how many days you plan on staying in the country. To find out if the country you plan on visiting requires a travel visa, visit their embassy website to learn about your destination .

A Travel Visa Often Requires Proof of Insurance

If a visa is required to enter a country, then you should also keep in mind that you will probably need to possess proof of valid travel medical insurance as well. This means that you will need to show that you have adequate coverage for any expenses that might arise due to repatriation or hospitalization for medical reasons, including medical emergencies.

Anyone traveling to the Schengen area for the purpose of tourism or business and their trip duration is no longer than 90 days, only need one visa for all the countries in the Schengen area. Travel insurance that covers repatriation and medical expenses is mandatory for a Schengen travel visa and travelers should look into  Schengen compliant travel insurance plans only.

Best Insurance Plan for Visa Applicants

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Buying Insurance for Your International Visa

In most cases, investing in quality travel medical insurance will satisfy your visa requirements, so prior to purchasing additional travel insurance, make sure that the plan you already have doesn’t cover or alleviate any medical emergency costs.

If it does, but you are not clear as to whether or not this is enough coverage or even the right coverage for your visa requirements, then contact your insurance representative and ask – never assume you have the coverage required. Always clarify and be sure you are covered prior to trip departure.

Many travel visas require proof that you have obtained private medical insurance from a reputable insurance company. Make sure the insurance company you use is licensed and accepted in the country you are planning to travel to – some countries require that the insurance is purchased from an insurance broker within that country. If you are unsure where to look for an insurance company in the country you are traveling to, consult your own insurance company and ask.

As with any insurance coverage, always check the restrictions and limitations to the policy and ensure it covers everything you need to travel safely – including coverage for extreme sports , such as downhill skiing or parasailing.

In addition to protecting travelers from expensive emergency medical costs, travel insurance can also cover:

• Emergency evacuation
• Repatriation of remains
• Overseas funeral expenses
• Return of a minor
• Trip cancelation
• Trip interruption
• Lost, stolen or damaged luggage

Many visas require travel insurance as a way to protect their visitors from unforeseen costly expenditures that would make for an otherwise unpleasant visit. You can apply for most visas online or from the embassy for the country you will be visiting. As with travel insurance, start your visa research early in your trip planning process, and always make sure you have all of the paperwork and documents necessary to fulfill your travel visa requirements to avoid any unnecessary surprises that could disrupt your trip.

Visa Requirements for Health Insurance

Before a visa can be issued, applicants must show proof that they have adequate health insurance coverage that will meet the specified requirements. Those requirements typically include the following benefits:

• Minimum coverage shall be EUR €30,000 or USD 50,000
• The cover must be valid within the country/region for the full duration of stay
• The plan must cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical care, emergency hospital treatment and death

Note: Check the specific requirements for the country you are traveling to. Although the above will meet most countries requirements, they are not uniform throughout the world and can change. Also read: Schengen Visa Insurance

Travelers will be asked to provide a letter from their insurance company confirming that coverage meets the minimum level of coverage. The duration of coverage will need to match the period of travel stated on your visa. Any travel medical plans listed here will provide that letter to you.

Travel Medical Plans for Your Visa Application

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

When Do I apply for Insurance for my Visa Application

For the above plans and most travel medical plans, you can apply anytime and secure the documentation that you need for your application. The process should take no longer than 10-15 minutes. Once submitted, you will receive documentation, including a Visa Letter, via email (usually within the hour) that can be submitted with your application.

Insurance for Student Visa Applications

Most countries will require students to have adequate international student insurance cover for their period of enrollment. We recommend one of the following student insurance plans for study abroad.

• Provides Medical, Dental, Evacuation and other Benefits
• Keep your coverage when your studies last multiple years
• Medical providers are available in over 130 countries worldwide

• Standard and Platinum level benefits available.
• Coverage for individuals and groups and their dependents.
• Freedom to seek treatment with hospital or doctor of your choice.

Insurance for Schengen Visa

26 "Schengen Countries" have collaborated to make it easier for travelers to enter through one country in Europe, and then freely travel within 25 other countries without having to show their passport at each border crossing. They also have implemented specific requirements for  Schengen Travel Insurance  which will cover you in all Schengen countries. The 26 European countries that belong to the Schengen area include:

Austria , Belgium, Czech Republic, Denmark, Estonia, Finland, France , Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovak Republic, Slovenia, Spain , Sweden, and Switzerland. 

Long-Term Annual Health Plans and Visa Applications

Clients are sometimes traveling for longer than 3-12 months and want to buy comprehensive International Health Insurance  also known as an  Expatriate Health Plan . The dilemma: your visa application must be processed 2, 3 or 4 months before the departure date and the application for an international health plan can NOT be processed before 45 days before the departure date.

What some clients do is apply for a Travel Medical Plan today and use that to apply for their visa. Once their visa is secured, and they are within 45 days of the departure date, they can apply for a Global Medical / Expat Plan. Once the Global Medical Plan is approved, you can then cancel the Travel Medical Plan. Not an easy solution but a viable workaround.

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