cigna travel insurance australia

International Health Insurance in Australia

Get private health insurance in Australia with Cigna Healthcare and let us take care of the hassle.

Australia has golden beaches, great weather, and new opportunities, all of which makes it very appealing for expats.

‘Down Under’ has one of the longest life expectancies in the world. This is partly down to their health system - Medicare. This is a public system providing free or low-cost service for citizens, as well as New Zealanders and those from countries with reciprocal agreements.

How does the healthcare system work in Australia?

Australia’s healthcare system, known as Medicare, guarantees all citizens healthcare at a low, or no cost.Medicare’s funding comes from a mixture of sources.

Government inputs, private coverage and individual fees combine to cover the costs of medical treatment.

The system helps with the costs of hospital visits, medical treatments, scans, and imagery.

Some residents, depending on their personal circumstances, will also benefit from reduced prescription costs as part of the Pharmaceutical Benefit Scheme (PBS).

You’ll qualify for government-run healthcare if you’re:

• An Australian or New Zealand citizen.
• An Australian permanent resident.
• Have applied for permanent residency in Australia.
• Be a temporary resident covered by a ministerial order.
• Be a citizen or permanent resident or the Norfolk Islands, Cocos Island, Christmas Island or Lord Howe Island.

If you don’t fit into the above, you’ll be expected to foot the full price of healthcare during your time in the country. That’s where expat insurance in Australia can come in handy.

Staying healthy in Australia

Pros and cons of using Australia's healthcare system

• Free/very low cost to use.
• High standard of care provision.
• Covers a wide range of services, from hospitals to mental health and maternity care.
• Difficult for visitors and expats to use unless you’re in the process of securing residency.
• Dental services not included.
• Can be long waiting times.

What’s the difference between public and private care in Australia?

How can international health insurance help you in australia.

Getting private health insurance in Australia is essential if you don’t fit the requirements for Medicare. Non-residents and new arrivals will need to protect their health with comprehensive insurance coverage. If you’re here for study or are awaiting residency, you should consider protecting your health and finances from accidents and mishaps.

Expat coverage provides broader protection, including prescription medications, doctor visits and emergency services. You’ll also be able to access treatment faster and more efficiently than much of Australia’s public system.

It's essential to carefully review the terms and conditions of any international health insurance policy before purchasing to ensure that it meets your specific needs and provides adequate coverage for your situation in Australia.

Find out more about expat life Down Under

Choosing your international health insurance

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Cigna Global Health Options Plans

Worldwide or worldwide excluding USA cover

Annual benefit limit

• Evacuation and Crisis Assistance Plus™
• Health and Wellbeing
• Vision and Dental

Core hospitalisation cover overview:

• Annual benefit limit: $1,000,000
• Inpatient and daypatient treatment
• Private room
• Full cancer care
• Newborn care cover
• Annual benefit limit: $2,000,000
• Inpatient Maternity

Paid in full

• Annual benefit limit: Paid in full
• Mental and Behavioural Health care paid in full

Cigna Close Care℠ Plan

Country of residence + Country of nationality

• Outpatient and Wellness Care
• Dental Care and Treatment
• Annual benefit limit: $500,000
• Condition limit: $250,000
• Semi-private room

Why choose Cigna Healthcare for health insurance in Australia?

• Dental costs included - cover the costs of some emergency dental treatments and extend your protection beyond the basics of Medicare.
• Support all year long - we offer support wherever, whenever.
• Choice of options - get a health insurance plan ahead of your move to Australia at a cost suited to your personal circumstances.
• Priority access - you’ll receive the best support from qualified doctors and nurses without the hassle of long waiting times and queues.

Does Cigna Healthcare international health insurance include repatriation?

Yes, in some cases we may include cover for repatriation to your home country if your specific treatment or emergency needs cannot be catered for in Australia. However, Australia has one of the world’s leading healthcare services and covers most treatments.

What is the cost of health insurance in Australia?

The cost of health insurance will depend on your personal circumstances. Some elements, like your age, will alter the cost of your medical protection.

What standard of healthcare does Australia offer?

The standard of healthcare in Australia is one of the highest in the world. The World Health Organization ranks the country as the 32nd most efficient. It’s easier for those living in the inner city and built-up areas to access treatment than those in rural areas.

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

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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Visiting Australia? Consider Travel Insurance

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Table of Contents

Different types of travel insurance

Do you need travel insurance for australia, which credit cards offer australia travel insurance, other ways to get travel insurance, if you want to get travel insurance for australia.

Now open to tourists after two years of pandemic-related closures, Australia is back on many travelers’ wish lists, and for good reason. Whether you’re interested in surfing on the Gold Coast, taking a road trip through the Outback or diving along the Great Barrier Reef, there are a lot of options to consider. But with so many adventurous — and potentially dangerous — activities, you may also want to think about purchasing travel insurance.

Let’s take a look at the different types of travel insurance for Australia, which credit cards provide complimentary coverage and other ways you can acquire insurance for added peace of mind.

A must-have for many, travel insurance can help cover unexpected costs related to travel mishaps, medical incidents or evacuations. However, not all travel insurance is created equal. There are a variety of types available for every kind of situation, and you’ll need to do some research to understand what’s worth purchasing and what might not be necessary.

Here are some common types of travel insurance:

Trip cancellation insurance . Used to recoup costs when you cancel a trip due to something unanticipated, like a medical issue.

Trip interruption insurance . Reimburses you for travel costs when you need to cut a trip short and return home unexpectedly.

Baggage loss insurance . Provides reimbursement when your baggage is lost, damaged or stolen.

Emergency evacuation insurance . Covers costs related to evacuating you to a different location, either for medical or safety reasons.

Travel medical insurance . Used to cover medical costs while traveling, either as a primary or secondary insurer, depending on the type of coverage you purchase.

Cancel for Any Reason insurance . A supplemental insurance that provides partial reimbursement of nonrefundable travel costs when you cancel a trip for any reason.

Rental car insurance . Covers costs related to damage or repair of a rental vehicle. This can be especially useful when renting a car in another country.

Accidental death insurance. Similar to life insurance, this coverage provides payment to a person of your choosing in case of death while you’re traveling.

You may also want to consider finding insurance that covers COVID quarantine costs. Not all policies include this coverage, so you’ll want to be sure it’s included if it’s important to you.

» Learn more: The best travel insurance companies, according to Nerds

While it’s not required for entry, it may be a good idea. Travel insurance can come in useful just about anywhere, especially because it’s difficult to anticipate things like travel delays and accidents.

If you’re fairly confident about your travel plans, you may be comfortable with the insurance provided by your credit cards, though be aware that they may have lower limits than you’d like.

Otherwise, purchasing a travel insurance policy is always an option. Keep in mind that rates will vary according to your travel destination, dates of travel, ages and total trip cost.

» Learn more: What you need to know before shopping for travel insurance

Even if you’ve decided not to buy travel insurance, you may already have some coverage. Plenty of travel cards include some form of complimentary travel insurance, though the types — and limits — you receive will vary depending on which card you hold.

Many Chase credit cards offer primary rental car insurance, which will cover you in the event of an accident without needing to involve your personal auto insurance company. You’ll need to decline the rental car company’s coverage and pay with your eligible Chase card .

You can find trip delay insurance, emergency medical evacuation, lost baggage coverage and more among the different protections offered by these cards. Here are some of the more common travel cards that provide complimentary travel insurance.

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express . Terms apply.

Capital One Venture X Rewards Credit Card . (Benefits may change over time.)

United℠ Explorer Card .

You’ll want to read each card’s benefits guide very carefully before deciding which card to use. For example, both the The Platinum Card® from American Express and the Chase Sapphire Reserve® offer lost luggage insurance. Terms apply.

However, insurance from the The Platinum Card® from American Express only applies in the event that you’ve either paid for the full fare with your AmEx card or have redeemed your AmEx points for the flight. Using your card to pay the taxes and fees on an award flight you’ve booked elsewhere — such as redeeming Delta SkyMiles for your flight — does not mean that you’ll receive insurance coverage benefits. Terms apply.

This is in contrast to the Chase Sapphire Reserve® , whose lost luggage benefit is much more generous. In the event that your luggage is lost, you need only have paid the remainder of the charges for the flight after redeeming reward miles, points, coupons or other certificates. This means that charging just the taxes and fees on your card renders you eligible for benefits.

Aside from American Express and Chase cards, you may also want to consider the Capital One Venture X Rewards Credit Card .

Capital One’s offering includes a plethora of travel insurance benefits, including primary rental car insurance, travel accident insurance, trip cancellation and interruption insurance, lost luggage reimbursement, trip delay reimbursement, travel and emergency assistive services and more. Of course, in order to qualify for these benefits, you’ll need to have charged the trip to your card. Benefits may change over time.

» Learn more: The best credit cards with travel insurance

Even if your card provides complimentary travel insurance, you may also want to consider acquiring an additional policy — especially if you’re planning on some of the more adventurous activities you’ll find within Australia, such as camping in the Outback.

Health insurance benefits provided by credit cards such as the Chase Sapphire Reserve® max out at relatively low levels, which may mean you end up paying out of pocket in the event of an emergency.

If you’re looking for a supplemental policy, you’ll want to check quotes from a variety of providers. You can do this manually, but websites such as Squaremouth will compare multiple policies at once, making it much easier to peruse offerings. You can also filter your search according to the type of coverage you’d like.

» Learn more: Is travel insurance worth it?

Travel insurance can provide peace of mind to the wary traveler. Whether or not you’re interested in purchasing travel insurance, a variety of credit cards offer complimentary coverage for incidents such as trip delays, emergency medical care, rental car collisions and lost luggage.

Otherwise, you may want to consider buying an additional policy to ensure that you’re covered. If this is what you’re looking to do, make sure to acquire quotes from a variety of providers in order to find the best deal possible.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Medical Benefits Abroad®

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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.

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Cigna International Markets

As a global health services company, we are more than a health insurance company. We are your partner in total health and well-being. And we’re always here caring for your body and mind.

Cigna's mission is to improve the health, well-being, and peace of mind of those we serve by making health care simple, affordable, and predictable.

• We make it easy to get care – letting you choose how, when, and where you want it – from virtual health, to specialist consultants.
• We make health care more affordable by partnering with providers who provide quality, cost-effective care.
• Our goal is to provide you with health care coverage that is predictable – every step of the way.

Find a Cigna website

We are a global company offering health plans and solutions for your personal and business health insurance needs. Choose one of our websites to ensure you get to the right place. Alternatively, use our website finder tool and we will recommend the correct website for you.

Who we serve

Cigna International Markets provide comprehensive health and well-being support to individuals and organizations worldwide.

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Cigna Global Insurance Company

Cigna Global Overview

You may be familiar with Cigna’s insurance coverage in your home country. A plan in your home country typically will cover you in that country only. You can obtain coverage while living overseas through Cigna's Global Medical Plan. You can purchase their global coverage either independently, to cover you worldwide, or as a supplement on top of your existing medical plan. Most people purchase the global plan as a standalone plan as it is comprehensive enough to replace your existing plan and will cover you anywhere in the world.

Cigna Global has an illustrious nearly 230-year history and has been providing global health insurance for decades. Today they have over 180 million customer relationships around the world. Looking after them is an international workforce of 70,000 people, plus a medical network comprising of over 1.5 million partnerships, including over 175,000 mental and behavioral health care professionals and customer service teams around the globe.

Why Choose Cigna Global?

Our customers choose Cigna because they provide all of the following:

Provider Network

Access to an extensive network of trusted hospitals, physicians, and other healthcare professionals

Customize Your Plan

Flexibility to tailor a cost-effective plan to suit their individual needs

24/7 Member Support

Making sure their Customer Care Team is always available to speak with you day and night

Rated "A" by A.M. Best

Reassurance of their experience in delivering international healthcare

Cigna Global Plans

There are many reasons why you might need a Cigna Global Medical plan. Here are just a few:

• The quality of your local country’s healthcare system does not meet your standards or needs.
• Or, even if you are able to find good quality local healthcare, it’s too expensive.
• You find the local healthcare system confusing or a struggle due to language or cultural barriers.
• Your country of residence requires you to have international private medical insurance.

Cigna Global Insurance Plan

The Cigna Global Insurance Plan offers you the opportunity to tailor the plan to your precise needs. With multiple plan tiers, add-on modules and deductible and cost share options, you can perfectly balance your needs with your premium costs. This plan also gives you access to Cigna's international network of more than 1.7 million hospitals and doctors.

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Cigna Close Care Plan

The Cigna Close Care plan allows you to create a tightly focused plan, with coverage for your country of residence and your country of nationality only. The plan also includes emergency coverage in case you need care while in a third country. It offers a wide range of deductibles and cost share options so that you can precisely tailor your plan to your own needs.

Cigna Healthguard Insurance Plan

The Cigna Healthguard Plan is specifically for expats residing in the UAE. It offers multiple tiers and optional add-on modules that allow you to expand your coverage. This plan is approved by the Dubai Health Authority and the Insurance Authority and meets all of their requirements.

• Private medical insurance for expats residing in the UAE
• Three distinct plans with regional or worldwide coverage
• Ability to choose your Healthcare Provider Network tier

Cigna International Medical Network

The Cigna global network of more than 1.65 million international hospitals, clinics, doctors, and mental and behavioral healthcare providers gives individuals working outside their home country extensive access to global health coverage. This wide-ranging global network features providers in over 200 countries and jurisdictions and a service team that speaks over 170 languages.

In most cases, Cigna will pay your hospital, clinic, or doctor directly for treatment costs incurred which are covered. All beneficiaries are responsible for paying any deductible or cost share directly to the medical provider at the treatment time. If you seek treatment at an out-of-network provider in the U.S. without prior authorization, Cigna may reduce the amount they will pay by 20%.

For the best experience, contact the Cigna Customer Care team before treatment. You can contact them 24 hours a day via live chat on your secure online Customer Area, phone, or email.

Areas of Coverage

The Cigna Global Health Insurance Plan offers two areas of cover: worldwide including the USA and worldwide excluding the USA. If you choose worldwide including the USA, you can receive treatment anywhere in the world. If you choose worldwide excluding the USA, you can receive treatment anywhere except in the USA.

Emergency Cover

For additional peace of mind, all of the Cigna international plans include emergency short-term medical coverage when you are visiting a location outside of your selected area of coverage. So if you purchase the Worldwide excluding USA option, you will still be covered for emergency treatment on an inpatient or day-patient basis during short trips to the USA. You will also be covered on an outpatient basis if you have purchased the International Outpatient additional coverage option. Coverage is limited to a maximum period of 3 weeks per trip and a maximum of 60 days per period of cover for all trips combined. Please read your policy documentation for the full terms and conditions relating to this benefit.

Find a Provider

To find a provider, log into your online Customer Area to search the Cigna global network of international hospitals , clinics, and doctors. Simply type in your postcode or zip code, specify the distance you are willing to travel, and it will list the medical experts within your area. Alternatively, call the Cigna Customer Care Team and they will help you find a provider. With nearly 1.7 million providers in Cigna's international network, you should be able to find one that suits your needs.

Cigna Global Services

Cigna Global Health Insurance offers world-class customer service to globally mobile customers. Their multilingual associates are available 24 hours a day, seven days a week, 365 days a year to help with everything from a medical emergency to verification of benefits. Or find what you need online in your Cigna Global customer area.

Cigna Global  is one of the largest providers of  international health insurance  and  expatriate medical  services worldwide. Clients who are living abroad benefit from their large network of doctors, their deep financial resources, a long history of service, and a focus on customer care.

Need Coverage for Your Employees Abroad?

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• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

What’s in the Cigna Global Customer Area?

In the Cigna Global customer area, you will find a lot of useful information about your healthcare plan, including:

• Your policy documents
• Claim forms – more details about claims can be found here
• Medical, travel, safety, and cultural information
• How to access hospitals, physicians, clinics and health and wellness specialists
• Online health program (if you have bought the International Health & Wellbeing option)

Cigna Global Customer Care Contact Information

Cigna Global Customer Care and Claims Email:  [email protected]

Cigna International Phone Numbers: New Sales: US: 877-758-4881 – International +1 617-500-6738 Customer Care: +44 (0) 1475 788182, or toll free from inside the US on 1 800 835 7677 Call Collect / Reverse Charges: Call will be accepted by Cigna Hong Kong – Phone: 2297 5210 Singapore – Phone: 800 1865047

Cigna Global FAQ

Does cigna global offer insurance for the elderly.

Cigna Global offers the Cigna Global Medical Insurance plan, with no age limit for applicants or current subscribers. You may apply for coverage at any age and remain on the policy for life.

Getting international medical insurance from Cigna is possible if you are a senior citizen.

Is Cigna Global only for expats?

Cigna Global is for expats and any applicant living abroad for six months or more per year. So any individual living abroad may be eligible to apply, regardless of your status. The plan also provides coverage in your country of nationality for up to 180 days per year.

Does Cigna Global cover doctor's visits for cancer?

International medical insurance provides cover for inpatient, day patient, and accommodation costs, as well as coverage for cancer, mental health, and much more. Our Gold and Platinum plans also cover you for maternity inpatient and day patient care.

More to Read:

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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

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.

• View All Benefits
• Download customer guide

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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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 For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

• Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
• If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
• Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
• Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
• Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

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Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

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Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.