Employee Benefits Canada Coverage that Moves with You Worldwide
Whether you’re living, working, or retiring abroad, get international health coverage that keeps you protected anywhere in the world. Employers can also support global teams with benefits designed for international assignments and cross-border travel.
Choose Your Coverage Type
Select the coverage solution that fits your needs
Corporate Global Benefits
Comprehensive group solutions and global employee benefits for Canadian and international organizations with mobile teams.
Individual Global Benefits
International health coverage for Canadians abroad, offering global medical insurance, health plans, and long-term expatriate benefits.
Find Your Perfect Coverage Path
Tell us about your situation, and we’ll guide you to the right solution.
I’m a Retiree
Comprehensive coverage for retirees living overseas, including ongoing care support and reliable long-term international health coverage.
Cigna offers international health plans with global coverage and access to extensive medical networks that support long-term stays abroad.
I’m a Digital Nomad
Flexible global coverage that moves with your lifestyle. Ideal for long-term travellers needing dependable global health insurance for expats
Ingle International offers health and travel insurance designed for international students, interns, trainees, and individuals on shorter-term assignments.
Relocating for Work
Seamless health benefits for international work assignments, with support for visa compliance and access to strong global networks.
Cigna’s international plans include worldwide coverage options, modular benefits, and support services that fit long-term overseas assignments.
International Student
Affordable international health coverage for students studying abroad, with medical benefits, direct billing, and multilingual support.
Ingle International offers health and travel insurance designed for international students and newcomers.
I’m an HR Manager
Global benefits support that helps you protect, administer, and manage international employees with confidence and compliance clarity.
See Corporate Coverage
Compare Individual Coverage Options
Find the perfect individual insurance plan for your needs and budget
| Features | Ingle International | Cigna Global |
|---|---|---|
| Medical Coverage | ✔ | ✔ |
| Dental Coverage | Optional | Optional |
| Evacuation and Emergency Assistance (medical, security, natural disaster, terrorism) | ✔ | Optional |
| Life Insurance | Optional | Available to group clients only |
| Get A Quote | Get A Quote |
Frequently Asked Questions
Get answers to common questions about global coverage.
How does your global coverage work for individuals living or travelling abroad?
How does your global coverage work for employees who are relocating or on assignment abroad?
Global coverage for relocating or assigned employees ensures they have access to medical care in their host country, along with support for visa requirements, local compliance, and emergency assistance while working abroad. These plans typically include international provider networks, direct billing options, and 24/7 support so employees can receive care without disruptions.
We work with insurers that offer this level of protection. Cigna Globa is a preferred option due to its strong medical networks and consistent compliance support for international assignments.
What is the difference between travel insurance and global health insurance?
Travel insurance is designed for short trips, typically up to 60 to 90 days, and focuses primarily on emergency medical care. Global health or expat insurance is meant for people living abroad for more than 180 days each year. These plans provide ongoing medical coverage, routine care options, and long-term support.
Why do I need global or expat health insurance if I already have coverage in my home country?
Travel insurance is meant for short-term trips and emergencies. Travel insurance is designed for short-term trips and emergencies. In contrast, global or expat health insurance is built for long-term stays abroad and includes access to routine medical care, chronic condition management, and ongoing health support.
What are your typical claims processing times for global coverage?
Most standard claims are processed within 7–10 business days. For larger claims, direct payment is often arranged between the insurer and the medical provider to help avoid out-of-pocket expenses for the policyholder.
How portable is the coverage if someone moves from one country to another?
Coverage is usually highly portable; simply notify the insurer of your move. Premiums may adjust based on your new region. Moves to the U.S. typically see the largest adjustment.
Which languages are supported for member communications and customer service?
We’ve never encountered a language we couldn’t help with! Our team can assist in any language using translation tools and multilingual support channels. Our insurance partners also offer extensive multilingual customer services.
Do you offer global coverage for both individuals and employer groups?
Yes. Individuals can browse options on our website or contact XXXXX@penmorebenefits.com for guidance.
Employers and HR managers can reach Tyler@penmorebenefits.com for support with expat assignments and group coverage needs.
Multilingual Support
Assistance available in any language
IFEBP Certified Advisors
Global Benefits Management Specialists
Trusted Since 1982
40+ years of international benefits experience
Worldwide Coverage
Global access through top-tier insurer networks
We're Part of Navacord
Navacord is a preferred advisor and partner for insurance brokers looking to maintain their unique identity and culture. Our passion for our clients, deep support system, and breadth of services all bolster our partners’ offering and stability. We are dedicated to delivering expert solutions to businesses across Canada.
Our Offices
Toronto Office
3301 Langstaff Rd
Unit 101
Concord, ON
L4K 4L2
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Phone: 905-669-5577
Fax: 905-669-5738
Oshawa Office
381 Taunton Rd. East
Oshawa, ON
L1G 0E1
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Phone: 905-430-7444
Fax: 905-430-9313
Toll-Free: 1-800-399-8523
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