Expensive Trip? Call Steve at 888-407-3854 or 816-282-6858 for the right Travel Insurance advice. M-F: 8:30am-7pm, Sat: 11am-4pm, Sun: 2-4pm ET, email or get side-by-side quotes
What People Like You Want To Tell You About TripInsuranceStore.com
The newest comments are on the last pages. Some have the author’s name & city, state / province attached and some do not. These are are the real (not made up) words we have received from our customers. In case you’re tempted to think we just sit around and make these up, here’s why we don’t:
The obvious reason is that it’s dishonest and unethical. This shouldn’t need to be said – I (Steve) do say it up front because that’s the kind of person I am
This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
Travel Insured plans bought after 1/31/2024 will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.
Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured. Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.
Trip cancellation within 24 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
$50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured FlexiPax covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.
Travel Insured’s FlexiPax plan is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
Travel Insured FlexiPax’s Certificates of Coverage
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.
Terrorist Incident coverage in Itinerary City if there were no incidents in same city during the 90 days before purchase
“a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPax plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPax plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:
1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).
If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:
a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.
This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
This is a long page – You get lots of information. This FlexiPax plan is for anyone except HI, IN, MO, MT, NY, VA or WA residents. Click here for HI, here for IN, here for MO or here for VA.
This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
Travel Insured plans bought after 1/31/2024 will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.
Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured. Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.
Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
$50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured FlexiPax covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.
Travel Insured’s FlexiPax plan is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
Travel Insured FlexiPax’s Certificates of Coverage
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.
“a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPax plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPax plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:
1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).
If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:
a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.
This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
Travel Insured plans bought after 1/31/2024 will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.
Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured. Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.
Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
$50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured FlexiPax covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.
Travel Insured’s FlexiPax plan is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
Travel Insured FFlexiPax’s Certificates of Coverage
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.
“a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPax plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPax plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:
1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).
If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:
a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.
This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
Travel Insured plans bought after 1/31/2024 will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.
Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured. Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.
Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
$50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured FlexiPax covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.
Travel Insured’s FlexiPax plan is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
Travel Insured FlexiPax’s Certificates of Coverage
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.
“a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPax plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPax plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:
1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).
If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:
a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.
This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
Travel Insured plans bought after 1/31/2024 will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.
Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured. Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.
Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
$50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured FlexiPax covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.
Travel Insured’s FlexiPax plan is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?
Travel Insured FlexiPax’s Certificates of Coverage
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.
“a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPax plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPax plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:
1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).
If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:
a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.
This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
In addition, you will be covered for a total of 6 months in your country of Citizenship for each plan year you have Cigna.
Cigna International Medical plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. They are specifically designed expat health insurance options to meet your needs, as well as to give you the flexibility you desire. Choose your level of cover and All amounts apply per beneficiary and per period of cover (except where otherwise noted).
International Health Insurance is your essential cover for inpatient, day patient and accommodation costs, as well as cover for cancer, psychiatric care and much more. Our Gold and Platinum plans also give you cover for maternity care.
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has 60 million customer relationships around the world. Looking after them is an international workforce of 30,000 people, plus a network of more than 1 million hospitals, physicians, clinics and health and wellness specialists.
Cigna’s full-time, clinical team is led by physicians. They have years of experience in dealing with varied and unique clinical and service situations worldwide. Their vast experience means they provide high standards of healthcare, regardless of where you are in the world.
Cigna’s Global Health Mission
Everything we do is around our mission to help improve your health, wellbeing and sense of security.
Cigna’s customer care promise
You can seek help for free any hour of the day or night
You can talk to the right person at the right time. Our customer care team will direct your call to one of our healthcare experts
You will have instant and easy access to healthcare facilities and professionals around the world.
You’ll be reimbursed, wherever possible, within five days of receiving your claim. On the rare occasion you have to pay for your treatment directly
Choose your level of cover from the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted). International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and daypatient maternity care. Click here to get Your Customized Cigna Global Health Plan quote.
Benefits
Silver
Gold
Platinum
Annual beneft – maximum per beneficiary per period of cover. This includes claims paid across all sections of International Medical Insurance.
$1,000,000
€800,000
£650,000
$2,000,000
€1,600,000
£1,300,000
Unlimited
Hospital charges for: Nursing and accomodation for inpatient and daypatient treatment and recovery room
Paid in full for semi-private room
Paid in full for a private room
Paid in full for a private room
Hospital charges for:
Operating theatre.
Prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
Treatment room fees for outpatient surgery.
Paid in Full
Paid in Full
Paid in Full
Intensive care
Intensive therapy.
Coronary care.
High dependency unit.
Paid in Full
Paid in Full
Paid in Full
Surgeons’ and anaesthetists’ fees
Where surgery is provided on an inpatient, daypatient or outpatient basis.
Paid in Full
Paid in Full
Paid in Full
Specialists’ consultation fees
Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity.
Paid in Full
Paid in Full
Paid in Full
Hospital accommodation for a parent or guardian
Up to the maximum amount shown per period of cover.
If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if:
accommodation is available in the same hospital; and
the cost is reasonable.
$1,000
€740
£665
$1,000
€740
£665
Paid in Full
Transplant services for organ, bone marrow and stem cell transplants
We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:
the transplant is medically necessary, and the organ to be transplanted has been donated by a member of the beneficiary’s family or comes from a varified or legitimate source.
Paid in Full
Paid in Full
Paid in Full
Kidney dialysis
Where treatment is provided on an inpatient, daypatient or outpatient basis.
Paid in Full
Paid in Full
Paid in Full
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)
Where investigations are provided on an inpatient or daypatient basis.
Paid in Full
Paid in Full
Paid in Full
Advanced Medical Imaging (MRI, CT and PET scans)
Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis.
$5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Paid in Full
Physiotherapy and complementary therapies
Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Home nursing
Up to 30 days and the maximum amount shown per period of cover.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Rehabilitation
Up to 30 days and the maximum amount shown per period of cover.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Hospice and palliative care
Up to the maximum amount shown per lifetime.
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in Full
Internal prosthetic devices/surgical and medical appliances
We will pay for:
a prosthetic implant, device or appliance which is inserted during surgery.
Paid in Full
Paid in Full
Paid in Full
External prosthetic devices/surgical and medical appliances
Up to the maximum amount shown per period of cover. We will pay for:
a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity.
a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.
For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.
$3,100 (for each prosthetic device)
€2,400 (for each prosthetic device)
£2,000 (for each prosthetic device)
$3,100 (for each prosthetic device)
€2,400 (for each prosthetic device)
£2,000 (for each prosthetic device)
$3,100 (for each prosthetic device)
€2,400 (for each prosthetic device)
£2,000 (for each prosthetic device)
Local ambulance and air ambulance services
Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation.
Paid in Full
Paid in Full
Paid in Full
Inpatient cash benefit
Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they:
receive treatment in hospital which is covered under this plan;
stay in a hospital overnight; and
have not been charged for their room, board and treatment costs.
$100
€75
£65
$100
€75
£65
$200
€150
£130
Emergency inpatient dental treatment
Dental treatment in hospital after a serious accident.
Paid in Full
Paid in Full
Paid in Full
Mental health care
Up to the maximum amount shown per period of cover
Subject to the limits explained below we will pay for:
• the treatment of mental health conditions and disorders; and
• the diagnosis of addictions (including alcoholism);
$5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Paid in Full
Cancer care
› Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient.
› We do not pay for genetic cancer screening.
Paid in Full
Paid in Full
Paid in Full
Routine maternity benefit care
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more:
• hospital, obstetricians’ and midwives’ fees for routine childbirth; and
• any fees as a result of post-natal care required by the mother immediately following routine childbirth.
› We will not pay for surrogacy or any related treatment. We will not pay for maternity benefit care or treatment for a beneficiary acting as a surrogate or anyone acting as a surrogate for a beneficiary.
Not covered
$7,000
€5,500
£4,500
$14,000
€11,000
£9,000
Complications from maternity
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or
childbirth if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy.
Not covered
$14,000
€11,000
£9,000
$28,000
€22,000
£18,000
Homebirths
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneficiary under this policy for a continuous period of 12months or more.
› Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of benefits.
Not covered
$500
€370
£335
$1,100
€850
£700
Newborn care
Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the
policy for 12 months or more.
› Provided the newborn is added to the policy, we will pay for:
• up to 10 days routine care for the baby following birth; and
• all treatment required for the baby during the first 90 days after birth instead of any other benefit; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth.
$25,000
€18,500
£16,500
$75,000
€55,500
£48,000
$156,000
€122,000
£100,000
Congenital conditions
Up to the maximum amount shown per period of cover.
› We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest
themselves before the beneficiary’s 18th birthday if:
• at least one parent has been covered by the policy for a continuous period of 12 months or more prior
to the newborn’s birth and the newborn is added to the policy within 30 days of the birth.
• they were not evident at policy inception.
$5,000
€3,700
£3,325
$20,000
€14,800
£13,300
$39,000
€30,500
£25,000
Deductible (various)
A deductible is the amount which you must pay before any claims are covered by your plan.
Cost share after deductible and out of pocket maximum
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.
Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.
This is important: If you are making any of your payments with a travel credit from a previously cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.
IMG plans bought after 8/13/2024 will not cover trips to Afghanistan, Belarus, Cuba, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.
You can’t buy a policy for a trip departing more than 3 years from the purchase date
You don’t have to insure your full trip cost to get the pre-existing medical condition coverage.
Cancellation due to a NOAA hurricane warning or watch must occur more than 14 days after Your Effective Date
You have to buy the LX plan at or before the Final Payment for your trip to get the LX plan’s pre-existing condition waiver
The maximum trip length for NY and WA residents is 90 days
Your domesticated dog(s) or cat(s) that live with you in your primary residence are covered the same as a family member for Trip Cancellation and Interruption except for MO, NY and WA residents.
The LX plan’s “Final Payment” means your last payment(s) or deposit(s) for your trip made to the organization or provider with whom your booking your trip.
The IMG LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
NY residents have $150,000 Primary Emergency Medical
You can cancel your trip within 24 hours of Your Scheduled Departure Date if Your Scheduled Departure City or Scheduled Destination is under a hurricane warning or watch as issued by the NOAA National Hurricane Center
Advance payment may be made to a Hospital if needed to secure Your admission because of a covered Sickness or Injury which first occurs during the course of the Covered Trip.
IMG SE & LX plans’ maximum trip length is 180 days
The IMG plans have a 60 day pre-existing conditions Lookback Period
Cancellation due to Work Reasons coverage is included
The IMG plans do not exclude stable pre-existing medical conditions of non-traveling family members
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”
Insurance Underwriter
United States Fire Insurance Company or SiriusPoint America Insurance Company
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here’s How the IMG LX Plan’s
Cancel For Any Reason Benefit Works:
There’s an optional 75% Cancel and Interrupt For Any Reason upgrade if bought not more than 20 days after your initial trip deposit date.
If You cancel Your Trip for any reason not otherwise covered by the IMG LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
You cancel Your Trip no later than two (2) days prior to the Scheduled Departure Date of Your Trip.
You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.
This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.
IMG will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us within the specified period.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Here’s How the IMG LX Plan’s
Interruption for Any Reason Works: Benefit Works:
If you interrupt Your Trip forty-eight (48) or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by the IMG LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, provided the following conditions are met:
You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period; and
You insure the full cost of any subsequent arrangements added to the same Trip within twenty (20) days of the date of Your payments for any subsequent Travel Arrangements.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
This benefit does not cover the failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.
Travel Insured’s FlexiPax plan has $100,000 
Travel Insured FlexiPax
IMG