Cigna Global Expat Health Insurance
Comprehensive international health coverage for expats, retirees living abroad, and globally mobile professionals. One plan. Worldwide coverage.
Tower Hill is an authorized Cigna Global referral partner · TX License #2608479TX
What is Cigna Global?
Cigna Global is the international health insurance division of Cigna, one of the world's largest health services companies with operations in 30+ countries.
Unlike regular travel insurance designed for short trips, Cigna Global provides annual, renewable international health coverage for people who are actually living abroad — expats, retirees, digital nomads, corporate assignees, and their families.
Tower Hill recommends Cigna Global to clients who ask about long-term health coverage abroad. For short-term travel insurance (trips under 12 months), we recommend our own quote engine for IMG, Trawick, and WorldTrips plans.
Annual renewable — designed for expat life, not vacations
Worldwide coverage (with or without the US)
Direct billing at 1.5 million+ network providers globally
Medical evacuation included in all plans
Inpatient + outpatient + dental + mental health options
Accepted at hospitals in 195+ countries
24/7 multilingual emergency assistance
Portable — coverage follows you if you relocate
Travel Insurance vs. Expat Insurance
Not sure which one you need? Here's the quick distinction.
| Feature | Travel Insurance (Tower Hill · IMG/Trawick/WorldTrips) | Expat Insurance (Cigna Global) |
|---|---|---|
| Duration | Days to 12 months max | Annual renewable, indefinite |
| Purpose | Trips away from home | Living abroad as primary residence |
| Outpatient care | Emergency only | Full inpatient + outpatient |
| Dental/Vision | Emergency only | Comprehensive add-on available |
| Maternity | Not typically covered | Available after 12-month waiting period |
| Mental health | Limited | Full coverage on most plans |
| Portability | Limited to stated trip | Follows you anywhere you relocate |
| Best for | Visitors, vacationers, short-term travelers | Expats, retirees abroad, corporate assignees |
Country Guides
Detailed Cigna Global coverage guides for expats in every country
We cover all 195 countries. Can't find yours? Browse all articles →
City Guides
City-specific Cigna Global expat insurance guides for 500+ cities worldwide
Cigna Global Plan Tiers
All plans include inpatient coverage, medical evacuation, and 24/7 assistance
Silver
Core ProtectionFrom ~$100/mo
Varies by age and coverage area
- ✓Inpatient hospital
- ✓Surgery & specialists
- ✓Medical evacuation
- ✓Cancer treatment
- ✓Mental health (inpatient)
- ✓24/7 emergency assistance
Best for budget-conscious young expats
Get Silver Quote →Gold
Most PopularFrom ~$200/mo
Varies by age and coverage area
- ✓Everything in Silver
- ✓Outpatient care included
- ✓Specialist visits
- ✓Prescription drugs
- ✓Mental health (outpatient)
- ✓Dental (add-on)
- ✓Maternity (add-on)
Best for families and professionals
Get Gold Quote →Platinum
Maximum CoverageFrom ~$350/mo
Varies by age and coverage area
- ✓Unlimited inpatient
- ✓Full outpatient
- ✓Dental included
- ✓Mental health (unlimited)
- ✓Alternative therapies
- ✓Private nurse
- ✓Senior-optimized benefits
Best for seniors and those with health concerns
Get Platinum Quote →Prices are illustrative. Actual premiums depend on age, location, and deductible selected.
Why Tower Hill Recommends Cigna Global
We've been insuring travelers and expats since 2019 — 60,000+ clients in 151 countries. When clients ask us about living abroad long-term, we recommend Cigna Global because their plan structure, global network, and evacuation coverage are genuinely best-in-class for expats.
We're an authorized referral partner, not a reseller — when you click our Cigna Global link, you go directly to Cigna's quote engine with our affiliate ID embedded. You get the same price as going directly; we earn a commission at no cost to you.
Questions? Call us at (844) 950-3468 · Mon–Fri 9AM–6PM CST
Ready to Get Covered as an Expat?
Get a personalized Cigna Global quote in under 5 minutes. Compare Silver, Gold, and Platinum tiers for your specific situation.