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This medical-only travel insurance option may only be suitable for some globetrotters. But travelers who are a fit will find GeoBlue provides extensive coverage options and access to a worldwide network of healthcare providers with cheap travel insurance.
Of course, travelers should always check with their regular health insurer first. Your standard health insurance may provide limited coverage abroad. Even if you still want supplemental coverage, you should know if it would be primary or secondary. Here's what you need to know before investing in GeoBlue plans.
Travel Insurance Plans from GeoBlue
Here's an overview of the types of coverage included in each GeoBlue individual plan:
Plan Name | Best For | Inclusions |
Voyager | Single-Trip Travel Medical Insurance Coverage | Inpatient and Outpatient Benefits (Surgery, Office Visits, Ambulance Services), Prescription Drugs, Dental (Accidental & Relief of Pain), Physical & Occupational Therapy, Accidental Death & Dismemberment, Repatriation of Remains, Emergency Medical Transportation & Family Travel Arrangements, Loss of Baggage & Personal Effects, Post-Departure Trip interruption Transportation & Quarantine Coverage, Hazardous Activities (Skiing & Scuba Diving) (Multiple Tiers Available) |
Trekker | Multi-Trip Annual Medical Insurance Plan | Inpatient and Outpatient Benefits (Surgery, Office Visits, Ambulance Services), Prescription Drugs, Dental (Accidental & Relief of Pain), Physical & Occupational Therapy, Accidental Death & Dismemberment, Repatriation of Remains, Emergency Medical Transportation & Family Travel Arrangements, Loss of Baggage & Personal Effects, Hazardous Activities (Skiing & Scuba Diving) (Multiple Tiers Available) |
Xplorer | Annual Plan for Long-Term Travelers | Preventive and Primary Care (Office Visits, Diagnostic Tests, Immunizations), Professional Services (Surgery, Anesthesia, In-Hospital Doctor Visits), Inpatient Hospital Services, Ambulatory and Therapeutic Services (Ambulance Services, Accidental Dental, Physical & Occupational Therapy), Rehabilitation & Therapy (Inpatient & Outpatient Mental Health & Substance Abuse Services), Other Service (Home Health Care, Hospice, Skilled Nursing) Prescription Drugs, Global Travel Benefits, (Emergency Medical Transportation, Repatriation of Remains, Accidental Death & Dismemberment) (Multiple Tiers Available) |
Additional Coverage Options from GeoBlue
However, the Xplorer plan is aimed at long-term travelers (including those who temporarily work internationally). So it provides two optional riders that come in handy if you're outside your home country for months at a time:
- Enhanced Prescription Drug Rider: Provides up to $25,000 of coverage for prescription drugs per calendar year.
- Basic US Benefits Rider: Provides healthcare benefits in the United States, emergency medical care, inpatient hospital coverage, and prescription drugs coverage.
How Much Does Travel Insurance from GeoBlue Cost?
The price you pay for travel insurance can vary widely depending on several factors. Typically, your trip destination, duration, age, insurance plan, and any additional coverage options you add to the base plan will play a role. In
For instance, a 30-year-old who plans to go on a weeklong trip to France would have the following options with GeoBlue's Voyager Choice plan, which offers a choice of deductible and coverage limits.
- $11.68 premium with a $60,000 medical limit and $500 deductible
- $20.08 premium with a $1 million medical limit and $0 deductible
Meanwhile, two travelers in their sixties interested in purchasing GeoBlue's annual Trekker plan would have a choice between the following plans.
- $250 for the Trekker Essential plan with a $500,000 medical limit and a $200 deductible
- $390 for the upgraded Trekker Choice plan with a $1 million medical limit and a $100 deductible
Are you traveling long-term or looking for flexibility around your destination and end date? We recommend checking in with GeoBlue to make sure you understand the rules.
Unfortunately, many customers find themselves in a pinch without coverage because they went outside the stated terms of their insurance policy. GeoBlue agents can answer questions and clarify terms as needed.
How Do I File A Claim with GeoBlue?
The easiest way to submit a claim with
Policyholders can also file claims via mail, fax, or email. If you wish to submit physical paperwork, the company asks that you send it to one of the following addresses:
Mail: GeoBlue
Attn: Claims
933 First Avenue
King of Prussia, PA 19406
Fax: +1.610.482.9623
Email: claims@geo-blue.com
Compare GeoBlue vs. Allianz Travel Insurance
Both
GeoBlue supplies coverage for non-emergent inpatient and outpatient visits and accidental death or dismemberment. It also explicitly includes preexisting conditions pending you travel with a regular health insurance plan. Meanwhile, Allianz issues coverage for epidemics and other travel services like cancel for any reason coverage.
In addition, the two plans are structured differently. Allianz offers payouts up to a set dollar amount. GeoBlue covers a certain percentage of qualifying medical costs after a met deductible.
Compare GeoBlue vs. AIG Travel Guard
AIG Travel Guard customers may or may not be eligible for a preexisting conditions waiver, whereas GeoBlue's plans specify preexisting coverage as long as you have a permanent health insurance plan from your work or otherwise.
AIG focuses primarily on single-trip coverage options, though it does provide an annual travel insurance plan.
Regardless, if you want broader protection for necessary medical treatments, you will likely be served with a plan from GeoBlue. On the other hand, if you're looking for more trip cancellation and other standard travel insurance coverages, you will steer towards AIG.
Compare GeoBlue vs. World Nomads Travel Insurance
The travel insurance plans sold by
In addition, World Nomads' plan covers a wide range of adventure sports, compared to the two (downhill skiing & scuba diving) covered by GeoBlue. Looking at the two companies side by side, you may see many of the same services. However, the two companies offer staggered benefits. World Nomads has a more extensive list to cover whatever comes your way.
However, GeoBlue is more thorough in covering preexisting conditions and other medical services if its terms are followed. If you look at the details, GeoBlue covers higher amounts for the services it includes.
Methodology
When reviewing
Selecting the best policy for you and your travel companions is about finding a policy with the correct type of coverage and adequate claim limits. That said, price is also an essential factor for many consumers. In addition, trip-specific riders for things like rental care coverage or adventure activities may be necessary for some travelers.
As such, we take all that into account when writing our reviews. Then individual readers can make decisions based on their travel plans and needs. You can learn more about how we rate travel insurance products here.
For travel insurance, we also rely on customer trends. Personal Finance Insider conducted a 2023 winter travel insurance survey of 971 US adults in December through Momentive AI Audience.
FAQs
Is GeoBlue Travel Insurance Legit?
The exact definition of legitimacy can often be subjective. However,
For example, Susan B. told InsureMyTrip, "I have purchased GeoBlue insurance before when I traveled but never had to file a claim. This past trip, I had a dental emergency. After returning home I filed a claim and in a couple of weeks, my reimbursement arrived. A very painless process."
Similarly, a verified user named Kathleen told Smashmouth, "I did not have to pay for coverage that I did not need. The GeoBlue website enables you to select what type of coverage you need."
Where Is GeoBlue Health Insurance Valid?
GeoBlue travel insurance works in most places around the globe. Fortunately, the company provides a comprehensive service map to help potential customers determine if their destination is covered before applying.
Does GeoBlue Cover The US?
Most GeoBlue travel insurance plans are meant to provide international coverage. However, the Xplorer plan offers the option to add a supplemental rider extending its coverage to include the United States.