Group Benefits Canada
Global Corporate Health Benefits for Your International Team
Give your global workforce the protection they need with benefits programs built to support cross-border teams, reduce compliance risk, and simplify administration for HR.
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Why Global Employers Choose Penmore
Penmore brings decades of experience designing and managing corporate group benefits plans for employers with global teams operating across mines, offices, factories, and remote job sites worldwide.
Global Benefits Expertise
Global Insurance Partnerships
We work with leading insurers to deliver reliable international and expatriate benefits for Canadian and global employers with mobile workforces.
Tailored Programs for Complex
Protection When Working, Travelling or Studying Abroad
When relocating or living abroad, you need international health insurance for expats that meets local requirements and supports your lifestyle. Penmore recommends Cigna Global Health Insurance Canada options for their flexibility, global network, and strong compliance support.
Cigna’s group plans includes optional modules that build on your core medical coverage:
Medical Coverage
Worldwide medical protection with options to add:
• Outpatient care (doctor visits, diagnostics, prescriptions)
• Health & wellbeing benefits (depending on region)
• Deductible & coinsurance levels to manage costs
Dental & Vision
• Routine dental care
• Major dental procedures
• Eye exams, glasses, lenses
Emergency Evacuation & Crisis Assistance Plus™
• Emergency medical evacuation
• Crisis response support
• 24/7 emergency coordination
U.S. Coverage: Optional add-on for individuals who require access to U.S. medical care.
Compare Corporate Global Benefits Solutions
We help employers choose the right global benefits partner based on assignment length, destination, employee risk profile, and organizational requirements.
Cigna Global
- ✔ Best for: Organizations with employees on overseas assignments, long-term relocations, or globally mobile roles.
- ✔ How this plan works: A comprehensive international health solution with strong global medical networks, compliance support, and administrative features that make it easier for employers to manage expatriate benefits.
- ✔ Common scenarios: Supporting long-term expatriates, ensuring compliance for work visas and residency, covering dependents, or providing reliable access to care in multiple regions.
- ✔ Why we recommend it: Cigna is our primary recommendation for employers who need scalable, compliant, and dependable coverage for expatriates and globally mobile staff.
Aetna International
- ✔ Best for: Employers seeking customizable global medical coverage solutions that support globally mobile workforces with access to care worldwide and tools to help manage benefits administration.
- ✔ How this plan works: Aetna’s global medical insurance plans provide portable, worldwide medical coverage with options tailored to organizational needs, supported by an employer portal for enrollment, reporting, and member management.
- ✔ Common scenarios: Supporting expatriate teams, third country nationals, and international business travellers with global health care access, administrative tools, and resources to help employers manage coverage for employees working across regions.
- ✔ Why we recommend it: Aetna’s flexible plan designs and streamlined administration make it suitable for employers who need dependable global medical solutions with customizable coverage and employer support tools.
Popular Destinations
- Popular Countries
- South America
- North & Central America
- Europe
- Asia Pacific
- Africa
Nigeria
Offers significant business opportunities as one of Africa’s largest economies, particularly for professionals in energy, finance, and technology.
- ✔ Strong Economic Opportunities
- ✔ Major Urban Centers
Ghana
Recognized for its stability, welcoming culture, and strong ties to international communities, especially in Accra.
- ✔ Stable & Welcoming
- ✔ Growing International Presence
Egypt
Blends ancient history with modern urban living, attracting long-term travelers and expats seeking cultural depth and accessible living costs.
- ✔ Rich Cultural Heritage
- ✔ Affordable Lifestyle
Kenya
A regional business hub with strong international presence, especially in Nairobi, offering modern amenities and a dynamic lifestyle.
- ✔ Growing Expat Community
- ✔ Regional Business Center
Morocco
Known for its rich culture, affordability, and growing expat communities in cities like Marrakech and Casablanca.
- ✔ Cost-Effective Living
- ✔ Vibrant Cultural Environment
South Africa
A popular destination for expats and remote workers thanks to its stunning landscapes, vibrant cities, and diverse lifestyle options.
- ✔ Scenic & Diverse
- ✔ Established Private Healthcare in Major Cities
Australia
Attractive for students, families, and skilled professionals, Australia offers a relaxed outdoor lifestyle, strong healthcare standards, and diverse multicultural cities.
- ✔ Multicultural Cities
- ✔ High Living Standards
United Arab Emirates (UAE)
A major global hub for work and travel, offering tax-friendly living, modern healthcare, and large international communities, especially in Dubai and Abu Dhabi.
- ✔ Tax-Friendly
- ✔ Large Expat Population
Japan
Known for safety, efficiency, and exceptional public services, Japan appeals to professionals and families seeking long-term stability and modern amenities.
- ✔ Safe & Well-Organized
- ✔ High Quality of Life
Singapore
Highly developed, safe, and internationally connected, Singapore offers world-class healthcare, efficient public services, and a strong expat workforce.
- ✔ World-Class Infrastructure
- ✔ Safe & International
China
A global business hub with fast-paced cities, strong infrastructure, and expanding international communities, ideal for professionals on assignment.
- ✔ Strong Economic Opportunities
- ✔ Growing Expat Community
Thailand
A favorite among retirees and digital nomads for its warm climate, friendly culture, and affordable lifestyle, with modern private medical facilities in major cities.
- ✔ Cost-Effective Living
- ✔ Popular with Digital Nomads
Germany
Economically robust with excellent public services and reliable healthcare, Germany attracts international professionals and families seeking long-term stability.
- ✔ Stable Economy
- ✔ Comprehensive Healthcare Options
France
Renowned for high quality of life, exceptional food culture, and well-regarded healthcare, France is a top choice for retirees and long-term residents.
- ✔ High Quality of Life
- ✔ Strong Healthcare System
United Kingdom
A familiar destination for many expats with large international communities, diverse cities, and access to both public (NHS) and private healthcare options for eligible residents.
- ✔ Large Expat Community
- ✔ Public & Private Healthcare Options
Denmark
Consistently ranked among the world’s happiest and safest countries, Denmark offers a balanced lifestyle, strong social systems, and a stable environment for long-term stays.
- ✔ Safe & Stable
- ✔ Balanced Lifestyle
Netherlands
Modern, globally minded, and popular with skilled professionals and remote workers thanks to excellent infrastructure, high English proficiency, and a strong expat network.
- ✔ International Workforce
- ✔ Highly Livable Cities
Belgium
A multilingual, internationally connected country with strong job markets and easy access to the rest of Europe — ideal for expats working in global roles.
- ✔ Multilingual Communities
- ✔ Central European Hub
Austria
Known for exceptional quality of life, safe cities, and strong public services, Austria attracts professionals and families seeking stability and reliable infrastructure.
- ✔ High Living Standards
- ✔ Safe & Well-Organized
Portugal
Safe, affordable, and welcoming with strong residency programs for expats and remote workers.
- ✔ Cost-Effective Living
- ✔ Digital Nomad Friendly
Spain
Sunny climate, relaxed Mediterranean lifestyle, large expat communities, and strong private healthcare make Spain a favorite for retirees and long-term residents.
- ✔ Mediterranean Lifestyle
- ✔ Large Expat Community
Dominican Republic (Caribbean)
A warm, tropical destination with growing international communities, accessible living costs, and a relaxed island lifestyle.
- ✔ Tropical Lifestyle
- ✔ Growing Expat Presence
Panama (Central America)
A major expat hub offering affordable living, modern infrastructure, and one of Latin America’s most accessible residency programs.
- ✔ Expat-Friendly Residency Options
- ✔ Safe & Affordable
Costa Rica (Central America)
Known for its relaxed pace of life, environmental focus, and stable political climate, Costa Rica attracts expats seeking nature, safety, and easy long-stay living.
- ✔ Eco-Friendly & Safe
- ✔ Popular with Retirees & Remote Workers
Mexico
Popular with retirees and remote workers for its warm climate, welcoming culture, and cost-effective living across coastal and historic regions.
- ✔ Affordable Living
- ✔ Large Expat Communities
United States
A global center for work, education, and innovation with diverse lifestyles and world-class medical facilities in major cities.
- ✔ Strong Job Markets
- ✔ Diverse Lifestyle Options
Canada
High quality of life, safe communities, and strong public and private healthcare systems make Canada a stable choice for families and long-term residents.
- ✔ High Living Standards
- ✔ Reliable Healthcare Options
Ecuador
Favored by retirees and expats for its affordable living, welcoming culture, and accessible healthcare across key regions.
- ✔ Multicultural & Welcoming
- ✔ Cost-Effective Living
Brazil
A large and diverse country offering modern healthcare in urban areas, along with a dynamic lifestyle and strong international communities.
- ✔ Diverse Lifestyle Options
- ✔ Established Private Healthcare Network
Argentina
Popular for its cosmopolitan cities, cultural richness, and mix of public and private healthcare options for long-term residents.
- ✔ Rich Cultural Environment
- ✔ Public & Private Healthcare Options
Peru
Appealing to digital nomads and long-term travelers with diverse landscapes, rich culture, and modern medical facilities in major cities.
- ✔ Digital-Nomad Friendly
- ✔ Cultural & Geographic Diversity
Chile
One of the region’s most stable and secure countries, known for reliable infrastructure and high quality of life.
- ✔ Stable Economic Environment
- ✔ Well-Regarded Healthcare System
Colombia
A growing destination for expats and retirees thanks to its warm climate, vibrant cities, and affordable cost of living.
- ✔ Affordable Living
- ✔ Strong Private Healthcare Options
Malaysia
Modern healthcare system with multicultural environment and affordable living.
- ✔ Multicultural
- ✔ Cost Effective
Spain
European lifestyle with excellent healthcare system and rich cultural heritage.
- ✔ EU Healthcare Access
- ✔ Mediterranean Climate
Thailand
Top destination for digital nomads with modern healthcare and tropical lifestyle.
- ✔ Digital Nomad Friendly
- ✔ Tropical Climate
Costa Rica
Stable democracy with universal healthcare and stunning natural beauty.
- ✔ Eco-Friendly
- ✔ Political Stability
Mexico
Close to US with quality healthcare and vibrant expat communities throughout the country
- ✔ Easy US Access
- ✔ Large Expat Community
Portugal
Popular retirement destination with excellent healthcare system and affordable living costs.
- ✔ Public & Private Heatlh Care
- ✔ Affordable Coverage
What Our Corporate Clients Say
Trusted by global employers across industries
Frequently Asked Questions
Common questions about corporate global benefits
How do you keep global benefits compliant in each country?
How long does it take to set up or switch a global benefits plan?
Individual and travel plans can usually be set up quickly once the application is submitted and any required documentation is received often within a few days when medical underwriting isn’t needed. If underwriting is required for pre‑existing conditions, this review can extend the timeline slightly.
For group plans, timelines vary more widely depending on complexity, customization, and compliance requirements. Many group plans can be implemented in a few weeks, though more complex multinational arrangements may take up to two months before coverage is fully in effect.
Can you support both local employees and expats in the same country?
What does emergency medical evacuation include for employees abroad?
Why Choose Penmore for Your Corporate Benefits
Personalized Advisory Support
A global benefits advisor helps you select the right plan based on your destination, lifestyle, medical needs, and budget,