Would that be Cigna Global Health Benefits? https://en.wikipedia.org/wiki/Cigna#Cigna_Global_Health_Benefits https://en.wikipedia.org/wiki/Cigna#Cigna_Global_H

Would that be Cigna Global Health Benefits? https://en.wikipedia.org/wiki/Cigna#Cigna_Global_Health_Benefits https://en.wikipedia.org/wiki/Cigna#Cigna_Global_Health_Bene... From their wiki entry: "CGHB maintains its own, in-house international claims platform..." Which may explain your positive experience, compared to their USA customers. Further, wild speculation here, I'm guessing Spain does more to protect customers, not allowing CGHB to auto-deny claims en masse.