Cigna Global

Called to buy the coverage -

First words out of the rep's mouth "You need to have a foriegn address, do you have one you can use?". Wait, I was just told a few days ago that US citizen in US territory qualified? - "Sorry, they were mistaken"

Second issue, you have to really read through the coverage. The low rate they quote is for hospitilization only, if you want coverage for doctors visits that is a second rider that will double the quote quickly.

Back to square one.

well, that is good to know. but bad news for sure

And for the umpteenth time, it's a medical insurance policy for expatriates residing in foreign countries. US citizens residing in the US, the USVI or any other US territory are not eligible. I doubt that even simply a "foreign address" would hold up under scrutiny of a claim. Vicanuck is a Canadian citizen residing in the US, I'm a UK citizen living in the US but (and I can only speak for myself) if the criteria was just a foreign address then all I could offer is family living in the UK as I certainly have no address of my own there. But I have a foreign passport!

An Update...
I just received an email from Cigna Global with my Certificate of Insurance! After 10 years living in the VI without any coverage, I'm relieved to finally have health insurance.

I was very happy with the pricing, about $650/month for myself, my wife and teen daughter, which was less than half of any quote I've ever received locally. I opted for the Silver plan with the worldwide including USA coverage. I didn't take any of the add-on options such as Dental & Vision, Wellness or International Outpatient because, when you do the math, its not really worth it for us as we are not big healthcare consumers. We also did not take the International Medical Evacuation because MASA is less than half the Cigna price, so we we'll get the MASA instead.

Cigna is accepted just about everywhere and they provided an extensive list of local doctors, dentists and such that accepted Cigna which included just about every doctor in the VI.

Yes, this is insurance for expatriates and we had to provide an "address" in the home country. We gave them the address of the last home we owned in Canada (totally verifiable) which was acceptable to them. I queried them extensively on this detail prior to enrolling and have have it in writing that we are well within their policy terms and conditions. I can provide further clarification on this if anyone is interested.

Obviously there is a huge advantage to be had when you are a two passport, dual citizenship individual or family, and not just for healthcare.

Overall, it was a great experience dealing with them and their reps in Scotland are very knowledgeable and helpful. I know others in the VI with this coverage they are happy too. I hope this helps anyone who has been on the fence about Cigna Global. Send me a PM if you need additional details.