While no two domestic health plans are the same, Cigna group benefits or marketplace-purchased coverage seldom covers its insureds when they’re traveling overseas. As they put it in their Getting Urgent and Emergency Care Outside the U.S. brochure, Cigna cannot pay medical providers abroad. The insurer does, however, allow its insureds to file claims retrospectively, but they must first pay the hospital or health care provider abroad, which can be costly. That’s why it’s necessary for anyone visiting an international travel destination to obtain an international health plan before flying out, setting sail, or otherwise taking off for their destination.