What to do in an emergency with Cigna

If you are involved in a health emergency abroad, get the injured person to a hospital immediately. 

Either call an ambulance, or coordinate transportation to the hospital of choice of the injured party. It is best to have one in mind you trust ahead of time, especially if you're in a rural area. Here is a list of global emergency numbers. Read our Guide to Health Emergencies.

One important thing to remember if you are hospitalized due to an emergency is that you only have a certain amount of time (usually 48 hours) to notify your insurance provider; otherwise, you will be penalized by a certain portion of your claim.

Call or email our claims manager, Barbara Palazuelos at barbara.p@expatinsurance.com or send her a WhatsApp message: +52 1 415 167 0886. From there, we will assist you with your emergency and your insurance.

It's important to create a paper-trail with the insurer in case of any confusion down the road. After you have contacted us, send an email to cghoclaims@cigna.com and report your injury or illness. 

You can also call Cigna's customer service at +1 (800) 997-1654, 24 hours a day, 365 days a year.

When you are connected to a customer service worker, they will ask for your policy number. This is the fastest way to confirm your insurance status. We recommend carrying your insurance card on you at all times so that you have this number readily available. Once they have verified your insurance status, they will attempt to set up a direct-pay agreement with the hospital where you are located.

See our guide How to Contact Cigna for more ways to get in touch with them.