Haris Ashley
GeoBlue is a well-known provider of travel medical insurance and global health insurance plans. The company offers a range of plans catering to different types of travellers, including international travellers, business travellers, expats, students, and non-profit groups working overseas. GeoBlue's plans provide comprehensive health insurance solutions, giving travellers confidence in accessing quality care worldwide. Its Voyager Choice plan is ideal for people who frequently travel abroad, especially for longer durations, offering excellent travel medical coverage of up to $1 million per person. However, GeoBlue's policies have limited traditional travel insurance coverage, such as trip interruption and baggage delays. This paragraph will discuss whether GeoBlue is a good choice for those seeking medical travel insurance and explore the features and limitations of their plans.
| Characteristics | Values |
|---|---|
| Type of insurance | Health/accident insurance, travel health insurance, international health insurance |
| Coverage | Up to $1 million per person, $25,000 for injuries from scuba diving and downhill skiing, $500 for baggage and personal items |
| Customer support | 24/7 Global Services Center, Member Services Portal, GeoBlue app |
| Network of physicians | 180+ countries |
| Types of plans | Single-trip, multi-trip, long-term, specialty plans for educators, missionaries, and maritime crews |
| Deductible | $0 |
| Ideal for | People who frequently venture abroad, especially for longer stays, and whose primary concern is global healthcare coverage |
| Exclusions | Trip cancellation, trip interruption, baggage delays, extreme sports activities (skydiving, parasailing, hang gliding, mountain climbing with gear) |
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What You'll Learn
GeoBlue's Voyager Choice plan
GeoBlue is a specialist in international health insurance plans and travel medical insurance. Its Voyager Choice plan is a single-trip medical plan, which is ideal for those who frequently travel abroad, especially for longer stays of up to six months, and whose primary concern is global healthcare coverage.
The Voyager Choice plan offers comprehensive coverage for emergency medical expenses and reasonable charges for some non-emergency medical expenses, such as office visits and physical therapy. It also covers pre-existing conditions and medical evacuation, which can be extremely expensive, often costing $100,000 or more from a remote location. GeoBlue's large network of doctors and specialists in 180 countries means that you will be able to access quality care wherever and whenever you need it.
The plan also includes downhill skiing and scuba diving insurance, with $25,000 in coverage for injuries from these activities. However, other extreme sports activities are excluded, such as skydiving, parasailing, and hang-gliding. There is also very limited trip interruption coverage and low baggage coverage of $500 per person.
One of the standout features of the Voyager Choice plan is the Direct Pay program, which pays medical bills upfront if the appointment was made with a medical provider in the GeoBlue network. This is particularly useful as some hospitals will not provide treatment or allow discharge until they have received a guarantee of payment. The plan also provides 24/7 access to an emergency assistance number and telemedicine services, ensuring that you can always get the medical help you need while travelling.
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GeoBlue's coverage for medical evacuation
GeoBlue is a licensee of the Blue Cross Blue Shield Association and offers a range of travel medical insurance plans that cover medical evacuation. These plans are designed for people who travel frequently, especially for longer durations, and require global healthcare coverage. GeoBlue's travel insurance plans are available for single-trip, multi-trip, and long-term coverage.
The GeoBlue Voyager plan is a popular choice for those seeking travel medical insurance. It provides coverage for medical evacuation to the nearest hospital, appropriate medical facility, or back to the United States. The evacuation must be approved by GeoBlue and requires written certification from the attending physician confirming its medical necessity. This plan is ideal for vacations, missionary work, or business trips of up to six months outside the US. It is important to note that the Voyager plan does not cover trip cancellation or provide extensive trip interruption benefits.
The GeoBlue Voyager Choice plan is another option offered by GeoBlue. This plan is available to individuals with primary insurance inside the US and covers medical treatments for pre-existing conditions. It provides emergency medical coverage and access to quality healthcare abroad, similar to what one would expect at home. The Voyager Choice plan also offers varying medical limits and deductibles to cater to different needs and budgets.
For those planning longer trips, the GeoBlue Xplorer plan is recommended. This plan ensures comprehensive coverage for extended stays in foreign countries. GeoBlue's plans provide peace of mind and confidence for travelers, knowing that they can access quality care through their robust physician and hospital network, innovative digital tools, and world-class member services.
In summary, GeoBlue's coverage for medical evacuation is a valuable feature of their travel medical insurance plans. The company specializes in international health insurance and has a network of physicians in over 180 countries. With GeoBlue, travelers can rest assured that they will receive the necessary assistance and coverage in the event of a medical emergency requiring evacuation.
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GeoBlue's insurance for extreme sports
GeoBlue is a specialist in international health insurance plans and travel medical insurance. It offers plans that cater to international travellers, business travellers, expats, and non-profit and humanitarian groups working overseas. GeoBlue also provides health insurance plans for teachers, students and maritime crews working outside the US.
GeoBlue's Voyager Choice plan is ideal for vacations abroad, missionary work or business trips. It covers emergency medical bills and reasonable charges for some non-emergency medical expenses, minus your deductible. The plan includes $25,000 in coverage for injuries due to scuba diving and downhill skiing. However, other extreme sports activities are excluded. For instance, skydiving, parasailing, hang-gliding and mountain climbing when gear is used are not covered.
For those seeking extreme sports coverage, GeoBlue's Xplorer Essential Plan offers unlimited coverage for adventure sports. The Single Trip Voyager Choice and Annual Multi-Trip Trekker Choice plans are also options for those seeking less coverage.
GeoBlue's plans can be written for short trips (1 day to 6 months) and will supplement Medicare or a managed care plan. International health insurance can also be purchased as primary insurance for expats or those relocating to another country for an extended period (6 months or longer). These plans include added features such as preventive services, acupuncture, chiropractic care, maternity benefits and more.
GeoBlue provides access to an elite network of providers, innovative mobile and online tools, telemedicine tools and exceptional customer service.
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GeoBlue's Trekker Essential plan
GeoBlue is a well-known company that specializes in international health insurance plans and travel medical insurance. It offers a range of plans that cater to different needs, one of which is the GeoBlue Trekker Essential plan.
The GeoBlue Trekker Essential plan is a multi-trip travel medical plan, which means it offers emergency medical coverage for those travelling abroad more than once a year. This plan is ideal for those who frequently venture abroad and are concerned about global healthcare coverage. The Trekker Essential plan covers trips of up to 70 days each, with no limit on the number of international trips taken within a year.
The plan includes coverage for emergency medical expenses, physician and hospital bills, ambulance services, prescription medications, and medical evacuation. It also covers pre-existing medical conditions, which is a significant advantage as many other travel insurance plans exclude this. In addition, the plan offers limited dental care, surgery, X-rays, office visits, and lab work.
One of the standout features of the Trekker Essential plan is the Direct Pay program, which ensures that medical bills are paid upfront when using an in-network medical provider. The plan also provides access to GeoBlue's award-winning app, which offers a range of useful tools such as medical term translations, medicine equivalents, and location-based safety information.
The GeoBlue Trekker Essential plan is a comprehensive and affordable option for travellers seeking peace of mind when it comes to medical coverage during their trips abroad. It is important to note that this plan requires travellers to have primary health insurance in place and is designed to supplement rather than replace primary coverage.
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GeoBlue's insurance for pre-existing conditions
GeoBlue is an independent licensee of the Blue Cross Blue Shield Association, providing access to Blue Cross Blue Shield in the United States and a high-quality network of international doctors and facilities. GeoBlue offers a range of plans to meet specific needs and circumstances, including long-term coverage for those living abroad, short-term travel coverage plans for both single and multi-trips, and specialist solutions for missionaries, yacht crew, faculty, and students.
The GeoBlue Voyager Choice plan is a single-trip medical plan, which offers travelers emergency medical coverage while spending time abroad. This plan requires you to have primary health insurance, but there is no exclusion for pre-existing conditions. The GeoBlue Voyager Choice plan is available to those who have primary insurance inside the U.S. and will cover medical treatments for pre-existing conditions. The plan covers all regions and nations, features excellent customer service, and has many Direct-Pay agreements worldwide. It is one of the most popular travel plans for pre-existing condition insurance.
The GeoBlue Voyager Essential plan is another option, which does not require insureds to have primary insurance at the time of enrollment. However, benefits are not available for any services related to a pre-existing condition within six months after the Eligibility Date of an Insured Person.
For U.S.-based travelers, GeoBlue recommends the Voyager Choice and Voyager Essential plans as some of the best single-trip travel insurance options for those with pre-existing medical conditions. These plans cover U.S. residents, aged 74 or younger (84 or younger for the Choice plan), traveling for up to 6 months.
Overall, GeoBlue provides comprehensive coverage and access to quality medical care worldwide, making it a good option for those seeking travel insurance that covers pre-existing conditions.
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Frequently asked questions
GeoBlue is an independent licensee of the Blue Cross Blue Shield Association that specializes in travel medical insurance and global health insurance plans.
GeoBlue offers plans that cater to international travelers, business travelers, expats, and non-profit and humanitarian groups doing overseas work. It also has health insurance plans designed for teachers, students, and maritime crews working outside the U.S. GeoBlue's plans offer comprehensive health insurance solutions, including coverage for doctor and hospital bills, medical evacuation, telemedicine visits, and pre-existing conditions.
GeoBlue's plans offer up to $1,000,000 in coverage with a $0 deductible. The company provides flexible deductible options, allowing customers to choose a higher deductible to lower their plan cost.
GeoBlue provides access to a vast global network of physicians in over 180-190 countries, eliminating the need for policyholders to submit their own claims. The company also offers strong customer support through its Member Services Portal, award-winning app, and 24/7 Global Services Center.
GeoBlue's policies lack traditional travel insurance coverage options such as trip interruption, baggage delays, and trip cancellation benefits. However, these limitations can be mitigated by pairing GeoBlue with travel credit card insurance coverage.
