Cigna Global eligibility rules
Not travel insurance at all: proper expat health cover for when you have actually moved. Every row below is taken from Cigna Global's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Most countries | Expats and globally mobile people across 200+ markets, with dedicated country plans. Reported not available for sale in New York State. | partly |
| No fixed country of residence | With conditions | Designed for people living outside their home country; you declare a country of residence for pricing. | partly |
| Buying after you have left home | Yes | Bought while you are already living abroad: it is not trip-bound at all. | partly |
| Maximum age | No stated cap | No published maximum entry age found, and it is actively marketed to over-60s and retirees. | low |
| One-way and open-ended trips | Yes | Designed for relocation and indefinite stays. | verified |
| Longest trip | 12 months, renewable | Not trip-bound: an annually renewable health plan. | verified |
| Pre-existing conditions | Yes | You must disclose pre-existing conditions at application and they are underwritten, which may mean exclusions, loadings or a moratorium. | verified |
| Cover in the USA | With conditions | Explicit area options: worldwide, or worldwide excluding the USA, which is much cheaper. | verified |
| Schengen visa certificate | Not verified | Not a Schengen travel product; acceptance for long-stay visas varies by country. | low |
| Winter sports | With conditions | Health cover rather than activity cover; hazardous-pursuit exclusions not verified. | low |
| Scuba diving | With conditions | Not verified. | low |
| High-altitude trekking | With conditions | Not verified. | low |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | Yes | Built for expat workers, though hazardous occupations are not verified. | partly |
| Trip cancellation | No | Health insurance: no trip cancellation. | verified |
| Families | Yes | Individual, couple and family plans. | verified |
Who underwrites it
Cigna Global Insurance Company Ltd (Guernsey). The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Cigna Global. That is disclosed on every link, and it never changes where they appear or in what order. Negotiable; public signup with tracked links and monthly payment.
Sources: cignaglobal.com, cignaglobal.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.