Faye Review

About Geoblue Travel Insurance

GeoBlue stands out from other leading travel insurance providers by offering a different approach. As an independent licensee of Blue Cross Blue Shield, GeoBlue opts for simplicity by providing straightforward single-trip and multi-trip health plans, rather than comprehensive trip insurance options.

This insurance brand accommodates all types of travelers, ranging from vacationing families to adventure-seekers living or studying abroad for longer periods. GeoBlue offers features such as a network of doctors who bill GeoBlue directly and coverage for pre-existing conditions. It is designed for travelers who primarily require medical coverage when traveling.

Travel Insurance Plans

GeoBlue offers plans tailored to various types of travelers, with its single-trip and short-term coverage known as “GeoBlue Voyager.” These options feature travel medical coverage limits ranging from $50,000 to $1 million and encompass benefits such as accidental death and dismemberment, emergency evacuation, repatriation, and prescription drug reimbursement.

In addition to offering various coverage limits, GeoBlue provides deductible options ranging from $0 to $500. Patients can also utilize telemedicine services for non-emergency care. The insurer offers Trekker-branded insurance coverage tailored for frequent international travelers requiring medical coverage across multiple trips. Meanwhile, Navigator and Xplorer plans cater to expatriates, students, maritime crew members, and missionaries, offering both emergency and non-emergency healthcare benefits.

Voyager Choice

Voyager Choice travel medical insurance can reimburse you up to your policy’s limits for emergency medical bills and reasonable charges for certain non-emergency medical expenses, minus your deductible. However, while coverage includes downhill skiing and scuba diving, other extreme sports activities such as skydiving, parasailing, hang gliding, and mountain climbing when gear is used are excluded from the policy.

To purchase GeoBlue’s Voyager Choice plan, you are required to have a primary U.S. health insurance plan and intend to travel outside the U.S. for no longer than six months. GeoBlue highlights that the Voyager Choice plan is well-suited for vacations abroad, missionary work, or business trips.

Voyager Essential

The Voyager Essential plan offers the same benefits as the Voyager Choice plan but features lower limits for certain coverage. With the Essential plan, there is no requirement for a U.S. health plan to purchase a policy. Treatment for pre-existing conditions is only covered after a waiting period of 180 days. Accidental Death and Dismemberment benefits provide up to $25,000 in coverage, as opposed to $50,000. Outside the U.S., outpatient prescription costs are reimbursed at 50%, rather than 100%.

Trekker Choice and Trekker Essential

GeoBlue’s Trekker Choice and Trekker Essential annual travel insurance plans are designed for individuals embarking on multiple trips lasting 70 days or less within 12 months. To purchase GeoBlue’s Trekker Choice and Trekker Essential travel medical insurance plans, you must have a primary U.S. health insurance plan. Both plans offer coverage for pre-existing conditions.

The Trekker Essential travel medical insurance plan closely resembles the Trekker Choice plan but features lower policy limits. Notably, it provides $500,000 in medical expense coverage instead of $1 million. For individuals aged 70 to 95, medical expense coverage is set at $100,000 for both plans.

Both plans provide coverage for reasonable costs associated with both emergency and non-emergency medical expenses. Exclusions apply, therefore, it’s advisable to carefully review the policy details to understand what is eligible for a claim and what is not.

Xplorer Premier and Xplorer Essential

GeoBlue’s Xplorer medical insurance plans offer annual coverage tailored for individuals and families who typically reside outside of the U.S. for at least three months per year. Applicants must be below 74 years old. Both Xplorer plans provide a selection of deductibles ranging from $0 to $10,000.

Navigator

GeoBlue’s range of Navigator plans is designed to serve educators, students, missionary workers, maritime crew members, and their families. All Navigator plans offer identical benefits, copays, coinsurance, deductible options, and general eligibility requirements. However, there are slight variations in coverage for “hazardous” activities among the plans.

To be eligible for the Navigator plan, you must be 74 years old or younger and intend to reside outside of the U.S. for three or more months annually. This plan offers unlimited annual and lifetime medical maximum coverage. Additionally, you have access to the Blue Cross Blue Shield PPO network in the U.S. for up to nine months every year.

Cost of Insurance

The price of a travel insurance policy is influenced by various factors, such as the cost of your trip, your age, pre-existing medical conditions, destinations, coverage limits, length of stay, and other relevant factors. During the signup process, the insurer will inquire about these variables to determine the appropriate premium for your policy.

The quoted price reflects the cost for a month-long trip from September 1st to September 30th, 2023, for a 40-year-old traveler from Texas. The plan features a $0 deductible and $1,000,000 in medical coverage.

How to File a Claim?

GeoBlue provides multiple avenues for filing a claim. Customers with travel medical plans can utilize the mobile app and the, both of which support electronic claims submission. This process involves completing a claims form and uploading scans or images of medical bills and supporting documents. Alternatively, claims can be filed via fax, email, or traditional mail.

Email: claims@geo-blue.com

Fax: +1.610.482.9623

Mail:

GeoBlue

Attn: Claims

933 First Avenue

King of Prussia, PA 19406

Customer Support

GeoBlue emphasizes that it provides 24/7/365 assistance for all medical insurance plans via its mobile app, website, and toll-free international call center. The app incorporates self-service functionalities such as virtual insurance ID cards, listings of in-network doctors, medication dose conversions, and access to telemedicine services on compatible devices. Telemedicine services are provided through Teledoc Health and offer same-day appointments, along with additional communications such as appointment notes, accessible via the policyholder’s phone.

Insured customers can also reach GeoBlue by phone through toll-free and collect-call hotlines. Operators are capable of coordinating services outlined in the policy, verifying coverage eligibility, and locating doctors in the respective country.

Conclusion

GeoBlue specializes in international travel medical insurance and health insurance plans. Its Voyager Choice plan can be an excellent option for individuals who frequently travel abroad, particularly for extended periods, and prioritize comprehensive global healthcare coverage. You can adjust deductible and coverage limit options to customize the cost and level of protection of your policy. What sets GeoBlue apart in travel health insurance is its provision of telemedicine services, a global network of doctors, direct payment for in-network services, and both short and long-term insurance options.

However, it’s important to note that standard travel insurance benefits such as trip delay and trip cancellation coverage are limited with GeoBlue. Therefore, travelers seeking these specific benefits may need to explore other insurance providers.