GeoBlue international Health Insurance Review & Ratings (2023)

Welcome to our comprehensive guide on GeoBlue international Health Insurance. If you’re planning to travel abroad, ensuring reliable healthcare coverage is crucial. In this article, we’ll delve into the key topics surrounding GeoBlue international Health Insurance, such as its extensive network of trusted healthcare providers, coverage for medical emergencies and evacuation services, and the convenience of the Direct Pay program.

• GeoBlue is an international health insurance provider that gives customers access to thousands of doctors worldwide
• You can get plans for a single trip, multiple trips, or international study programs
• A.M. Best rates GeoBlue with an A- for financial strength, and the Better Business Bureau gives the company an A+

To make an informed decision and find the best insurance rates for your international travels, enter your ZIP code below and compare quotes from the top insurance providers. Don’t compromise on your health and well-being while exploring the world; let us help you find the ideal insurance solution.

What is travel insurance?

Travel health insurance is coverage that protects you while you’re traveling. Usually, you don’t need primary health insurance to buy temporary travel insurance.

Travel insurance isn’t quite the same as traditional health insurance. It only covers emergency health issues, such as sudden illnesses or injuries. Typically, your travel insurance provider will reimburse you up until the limit of your policy.

Typical healthcare services that travel insurance will cover include:

• Doctor bills
• Hospital or operating room charges
• X-rays, lab tests, and treatments
• Anesthetics
• Dental care
• Ambulance rides
• Prescription medication

Of course, each plan is different, so you’ll need to check with your provider to see what’s covered. Generally, pre-existing conditions, crises by drug or alcohol use, or injuries from dangerous activities aren’t included.

While anyone can benefit from the peace of mind knowing that your health is covered while traveling, people leaving the country and seniors should especially consider it.

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What is GeoBlue Travel Insurance?

You might never have heard of GeoBlue before, but you probably know its parent company: the BlueCross BlueShield Association. Geoblue’s policies are underwritten by Bermuda-based 4 Ever Life International Limited.

GeoBlue’s network of physicians includes 80 percent of all doctors in America, as well as 90 percent of hospitals. They also have outlets worldwide, which allows you access to healthcare options you can trust.

However, their outlets don’t span the entire globe, so you should check if you’re covered before you leave.

Most travel insurances reimburse you for your medical bills, meaning you must pay for them and wait for payment. GeoBlue understands that medical bills quickly get pricey, so it created a Direct Pay program.

The program is simple to use. All you need to do is contact GeoBlue by phone, email, or through their app, and notify them of your medical need. An agent can help you find an in-network doctor and set up an appointment.

Since GeoBlue set up the appointment, they’ll pay for medical expenses covered by your plan.

GeoBlue also offers translation services, which help you communicate with healthcare professionals when you don’t speak the language of the country you’re visiting.

GeoBlue Insurance Plans

GeoBlue offers four insurance options: Voyager Essential, Voyager Choice, Trekker Essential, and Trekker Choice. The perfect plan for you depends on your needs.

Voyager Essential is a single-trip plan you need to buy before leaving. As long as you have primary insurance, the medical care you need for pre-existing conditions while you travel will be covered.

Voyager Essential covers emergency medical evacuation, sudden death expenses, and pregnancy complications. If your trip is interrupted for safety reasons or you lose your luggage, GeoBlue will reimburse you up to $500.

The Voyager Choice plan is another single-trip option. You need to have primary health insurance, but this plan has no exclusion for pre-existing conditions. You can select your limit, and you’re eligible for a refund up to the date of your departure.

It also covers emergency medical evacuation and sudden death.

Voyager Choice will help reimburse you for airfare if you need to end your trip early due to illness, injury, assault, terrorist events, or any other threat to your safety. It also covers up to $500 for your baggage.

You can only purchase this plan before you leave for a trip. You’ll need a different plan if you’ve already departed.

Unlike the single-trip Voyager plans, Trekker Essential covers multiple trips. This plan will cover up to 70 days of travel outside the U.S. within a year.

Trekker offers the same coverage as the Voyager plans, including pregnancy complications, trip interruption, and sudden death. It also provides dental coverage for emergencies.

The Essential plan has a $500,000 coverage limit and a $200 deductible.

The Trekker Choice offers extended coverage. The maximum coverage for this plan is $1 million with a $100 deductible. It covers the same number of days (70 per year) for international travel.

GeoBlue also offers plans for students who plan to study internationally. The student plan has cashless medical care services, access to the mobile app, and coverage with doctors all over the world.

GeoBlue Travel Insurance Reviews

For the most part, GeoBlue gets great reviews from its customers. Almost all customers say they would not only rebuy insurance, but they would recommend the GeoBlue company to friends and family.

Of course, most customers never needed to use their insurance, but they felt good knowing that they were covered just in case.

As for customers who used their coverage, some people say they had a great experience, and GeoBlue helped them through the stress of a medical emergency during a trip. Others state that the company was hard to work with when it came time for payments.

As for professional ratings, A.M. Best gives 4 Ever Life (the company that underwrites GeoBlue’s policies) a financial strength rating of A-. The Better Business Bureau gives GeoBlue an A+, though several customer complaints are listed on the site.

Find Medical Insurance for Your Travel Needs

Travel insurance can give you peace of mind knowing that your healthcare needs will be covered in case of an emergency when you travel. As a BlueCross BlueShield provider, you can buy GeoBlue insurance plans for any amount of time you want to travel.

If you’re interested in affordable GeoBlue rates, you should compare quotes with other travel insurance companies. Enter your ZIP code into our free tool to see what rates might look like for you.