GeoBlue Travel Insurance excels in medical coverage, including covering for hazardous activities and quarantine, but it lacks coverage in other areas. This page contains many, if not all, of the products from partners who pay us when you click on or do something on their website; however, this has no bearing on our ratings or reviews. Our views are our own.

About GeoBlue Travel Insurance

Global health insurance plans and travel medical insurance are GeoBlue’s areas of expertise. The business collaborates with a network of doctors in more than 180 nations. International travelers, business travelers, expats, and non-profit and humanitarian organizations working abroad can all benefit from GeoBlue’s plans. Additionally, it offers health insurance coverage for students, teachers, and marine crews operating outside of the United States.

You can get GeoBlue travel insurance without being registered in a Blue Cross or Blue Shield medical plan, even though GeoBlue is a licensee of the Blue Cross Blue Shield Association.

GeoBlue Travel Insurance Plans

GeoBlue offers long-term, multi-trip, and single-trip insurance policies. It provides specialized planning for a range of groups, including missionaries, educators, and marine workers.
For individuals who intend to go abroad for a prolonged length of time, GeoBlue’s plans are primarily focused on foreign health insurance and travel medical expense coverage. GeoBlue is something to think about if that describes you. If not, look into alternative firms from Forbes Advisor’s list of top travel insurance carriers.

Look to other providers for a comprehensive policy that covers trip cancellation insurance and benefits for travel delays if you’re searching for strong travel insurance coverage.

GeoBlue Single Trip Travel Medical Insurance: Voyager Choice

You must be going abroad for no more than six months and have a primary U.S. health insurance plan in order to purchase GeoBlue Voyager Choice plan. According to GeoBlue, the Voyager Choice plan is perfect for corporate travel, missionary activities, and international vacations.

When it comes to emergency medical bills and reasonable charges for some non-emergency medical expenses, Voyager Choice travel medical insurance can reimburse you up to the limits of your policy, less your deductible. Insurance is available for scuba diving and downhill skiing, but not for other extreme sports. For example, when equipment is employed, skydiving, parasailing, hang gliding, and mountain climbing are not covered.

To prevent any unpleasant surprises, review the policy as there are other exclusions. For instance, joint replacement, dental implants, reproductive treatments, and elective and cosmetic surgery are not covered.

The following options are available for the maximum benefit per person in medical coverage under GeoBlue Voyager Choice plan:

$50,000
$100,000
$500,000
$1,000,000

You can choose from the following deductible amounts:

$0
$100
$250
$500

Once your deductible has been satisfied, the Voyager Choice plan reimburses the following percentage.

Service

GeoBlue Voyager Choice reimbursement rates

Service Assistance	Portion paid after deductible is satisfied Portion paid after deductible is met
Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab	100%
Office visits, including X-rays and lab work billed by the attending physician	100%
Surgery, X-rays, in-hospital doctor visits	100%
Inpatient medical emergency	100%
Ambulatory surgical center	100%
Ambulance service (non-medical evacuation)	100% up to $1,000
Outside the U.S. outpatient prescription drugs	100% of reasonable charges up to $5,000
Dental care required due to an injury	100% of reasonable charges; $500 maximum
Dental care for relief of pain	100% of reasonable charges; $250 maximum
Physical and occupational therapy	$100 maximum per visit (up to six visits)

Benefits offered by Voyager Choice without a deductible

Emergency medical transportation: When you need treatment beyond what is offered at nearby hospitals, medical evacuation insurance will cover your emergency transportation to the closest suitable facility.

Benefits may also cover your return airfare home, to a nearby hospital, to your initial destination, or to the scene of your emergency after a medical emergency evacuation. Emergency medical transportation benefits totaling $500,000 are offered by GeoBlue’s Voyager Choice plan.

The Accidental Death and Dismemberment (AD&D) benefit pays out $50,000 for incidents that result in limb loss or death. Death and injuries resulting from illnesses or natural causes are not covered by AD&D insurance.

Coverage for personal belongings and luggage: If your personal belongings or luggage are lost, stolen, or destroyed while traveling, baggage insurance can reimburse you for their diminished worth.

With a maximum benefit of $100 per suitcase and item, each person traveling with GeoBlue Voyager Choice plan is covered for $500 every trip period.

Travel insurance for trip interruption: If your trip is interrupted or cut short for any of the following reasons, GeoBlue trip interruption insurance helps cover the cost of a return ticket home or airfare to the next location on your itinerary:

Disease or harm
The United States State Department issued a travel advisory
The U.S. State Department has identified a terrorist or safety threat.

Only $500 is covered by the Voyager Choice travel insurance plan for trip interruption, and it excludes coverage for:
Things that happen or safety alerts that occur prior to your journey
Delays caused by airlines, including inclement weather
Costs such as food and accommodation if you are placed under quarantine outside of a medical facility

GeoBlue Single Trip Travel Medical Insurance: Voyager Essential

The Voyager Essential plan from Geo Blue has lower limitations for some coverage but offers the same advantages as the Voyager Choice plan.

The Essential plan and the Choice plan are different in the following ways:

Purchasing a policy does not require enrollment in a U.S. health plan.
Only after 180 days is treatment for pre-existing conditions covered.
Up to $25,000 is covered under AD&D benefits (instead of $50,000).
Outpatient prescription costs are reimbursed at 50% (rather than 100%) outside of the United States.

GeoBlue’s Multi-trip Travel Medical Insurance: Trekker Choice and Trekker Essential

For those who take several journeys lasting 70 days or fewer over the course of a year, GeoBlue offers annual travel insurance plans called Trekker Choice and Trekker Essential.

To purchase GeoBlue’s Trekker Choice and Trekker Essential travel medical insurance plans, you must already have a main U.S. health insurance coverage. Pre-existing conditions are covered by both.

Similar to the Trekker Choice plan, the Trekker Essential travel medical insurance plan provides reduced policy limits, most notably $500,000 in medical expense coverage as opposed to $1 million.

Both plans only cover $100,000 in medical expenses for people aged 70 to 95.

Reasonably priced emergency and non-emergency medical expenses are covered by both plans. But there are exemptions.

To find out what is and isn’t qualified for a claim, make sure to read the policy terms.

Comparison of GeoBlue Trekker Choice and Trekker Essential

Type of coverage: overage type	Trekker Essential/$200 deductible e/$200 deductible	Trekker Choice/$100 deductibleChoice/$100 dedu
Medical expenses	$500,000	$1 million
Co-insurance level	$100% of reasonable costs	100% of reasonable costs
Emergency medical evacuation	$250,000	$500,000
AD&D	None	$25,000
Repatriation of remains	$15,000	$25,000
Outpatient drug reimbursement	100% up to $2,500	100% up to $5,000
Dental care for relief of pain	100% of covered expenses/$100 maximum per trip	100% of covered expenses/$300 maximum per trip
Baggage loss and personal effects	None	$500 per trip/$100 maximum per item

Long-Term Travel Medical Plans: GeoBlue Xplorer Premier and Xplorer Essential

The Xplorer medical insurance plans from GeoBlue offer yearly coverage to people and families that usually spend at least three months of the year away from home. Candidates must be 74 years of age or younger.

Xplorer health insurance plans’ salient features include:

No lifetime or annual cap on medical coverage
Proof of previous health insurance can be used to cover pre-existing diseases.
Options that include access to the Blue Cross Blue Shield Blue Card PPO network in the United States and the ability to see any healthcare provider outside of the country.
Prescription drugs, office visits, preventative care, and more are exempt from the deductible.
Includes optional enhanced prescription benefits in addition to prescription coverage.
Optional vision and dental insurance

Emergency medical: evacuation benefits of $250,000 per person were provided by telemedicine services.
The deductibles for each of Geo Blue Explorer plans range from $0 to $10,000.

GeoBlue Explorer Premier

In addition to coverage overseas, GeoBlue Xplorer Premier plan offers coverage in the United States through Blue Cross and Blue Shield PPO providers.

There are three levels of coinsurance with the GeoBlue Xplorer Premier plan:

100% outside of the United States.
80% within the U.S. network.
60% within the United States are out-of-network.
The sum of the deductible and coinsurance limit determines the overall, yearly out-of-pocket maximum.

GeoBlue Xplorer Essential

Most services outside of the United States are 100% covered by GeoBlue’s Xplorer Essential package.

Additionally, you can purchase an upgrade that adds basic advantages for quick travels back to the United States. This optional benefit covers unexpected injuries, illnesses, emergency medical care, and prescription drugs when you’re temporarily back in the United States. Three visits per calendar year, each lasting no more than 21 days, are the maximum number of visits covered.

Long-Term Medical Insurance Plans: GeoBlue Navigator

Missionary workers and their families, educators and students, and members of the nautical crew are all served by GeoBlue’s Navigator plans. With a few slight variations in coverage for “hazardous” activities, they all share the same benefits, cost, coinsurance, deductible choices, and general eligibility conditions.

Eligibility: requirements include being 74 years of age or younger and intending to spend three or more months of the year abroad.

Coverage in the United States: For up to nine months out of the year, you are able to access the Blue Cross Blue Shield PPO network in the United States.

limitless lifetime coverage limits: Both the annual and lifetime medical maximums are limitless under the Navigator plan.

Deductibles: There are options ranging from $10,000 to $0.

Three levels of coinsurance are available:

100% outside of the United States.
In-network in the United States: 80%.
In the US, 60% are out-of-network.
Conditions that already existed: If you can demonstrate that you have had health insurance for 12 months or longer in the past, the GeoBlue Navigator plans will cover pre-existing conditions. The 12-month wait time for pre-existing condition coverage will be reduced if you have less than 12 months of previous coverage.
Other significant advantages of GeoBlue’s Navigator travel insurance policies include the following:

Preventive care (physical examinations, immunizations, and associated laboratory tests)
Medical services and care, both inpatient and outpatient
Physical treatment
Diabetic supplies
Long-lasting medical supplies
Emergency medical evacuation coverage of $250,000.
Proof of previous eligible coverage for pre-existing conditions
Adaptable plan duration
Services and supplies related to contraception are covered.
Covered are mental health services.
Covered are illnesses and injuries associated with terrorism.
Dental and eyesight care are optional.
includes prescription coverage.
Services for Telemedicine

For teachers and students, GeoBlue Navigator: You must participate in educational activities in order to purchase this plan. Events involving alcohol impairment in collegiate athletics are addressed. The F1 and J1 visa criteria are satisfied by the Navigator plan for teachers and students.

For marine workers, GeoBlue Navigator: This health insurance plan covers occurrences including alcohol impairment, scuba diving, and sailboat racing.

For missionaries and aid workers, GeoBlue Navigator: To apply for coverage, you have to be a part of a missionary, non-profit, or humanitarian organization. Activities related to organized sports are covered.

GeoBlue Travel Insurance FAQ

What is Travel Insurance from GeoBlue?
International travelers can get both medical and travel coverage with GeoBlue Travel Insurance, a comprehensive travel insurance company. It offers access to a worldwide network of healthcare professionals and is supported by the Blue Cross Blue Shield Association.

2. What types of plans does GeoBlue offer?

GeoBlue offers a variety of plans, including:

Short-term plans for single trips.
Long-term plans for extended stays or expatriates.
Group plans for organizations and families.

3.Is emergency medical evacuation covered by GeoBlue?
Yes, emergency medical evacuation is covered by the majority of GeoBlue plans, which will take you to the closest facility that can offer the right care.

4. Is cancellation of a trip covered?
Trip cancellation and interruption coverage are included in a lot of GeoBlue policies. For further information, see the specifications of your particular plan.

5. Is it possible to buy GeoBlue for a single trip?
Yes, GeoBlue provides short-term programs for individual travel.

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