GeoBlue Travel Insurance Review (2024) (2024)

GeoBlue has plans designed for different types of travelers. Its single-trip and short-term coverage is branded as “GeoBlue Voyager.” These options have travel medical coverage limits ranging from $50,000 to $1 million and include accidental death and dismemberment, emergency evacuation, repatriation and prescription drug reimbursem*nt.

In addition to different coverage limits, this insurer has deductible options ranging from $0 to $500. Also, patients can use telemedicine services for non-emergency care.

Trekker-branded insurance coverage is for frequent international travelers needing medical coverage across multiple trips. Meanwhile, Navigator and Xplorer plans to provide emergency and non-emergency healthcare benefits to expats, students, maritime crew members and missionaries.

Pros and Cons of GeoBlue

Use the table below to compare GeoBlue to other travel insurance providers. However, keep in mind that other providers will cover more costs for your trip, such as cancellation and interruption, whereas GeoBlue just provides travel medical insurance.

GeoBlue’s Voyager Essential and Voyager Choice are budget-friendly travel insurance options focusing on medical services. Essential does not require a U.S.-based primary health plan, but Choice does.

Here is what you get with the GeoBlue Voyager Essential plan.

• $50,000 to $1 million emergency and non-emergency medical coverage
• $500,000 for medical evacuation
• $25,000 for death, dismemberment, or repatriation costs
• 50% prescription drug coverage up to $5,000
• $500 baggage coverage per trip or $100 per bag
• $1,000 trip interruption insurance

If you plan to take multiple trips or live abroad for more than six months, the Xplorer or Trekker plans can provide long-term protection.

Optional Riders

A rider is an addition to a standard insurance agreement. It amends the details or adds other coverage to the policy. For instance, a rider could raise coverage limits or make exceptions for a pre-existing condition.

Because of the varying coverage limits and deductible choices on the Voyager Essential plan, riders are usually not necessary. However, Voyager Choice offers several upgrades that may be worthwhile to some travelers.

• $50,000 death and dismemberment coverage
• 100% coverage for prescription drugs up to $5,000
• No 180-day exclusion for pre-existing conditions
• $50 per day for trip interruptions involving quarantine

Though both these plans are open to all U.S. citizens, Voyager Choice requires that you have an active health insurance policy in the U.S.

Policies Offered

GeoBlue travel insurance plans focus on medical care, including emergencies and regular outpatient office visits. However, other coverages are also a part of some plans.

All policies offer $25,000 for specified hazardous activities, such as alpine skiing and scuba diving (diving certification required for coverage).

Travel insurance policy prices depend on different factors, including the cost of your trip, your age, pre-existing medical conditions, your destinations, coverage limits, the length of your stay, and other factors. The insurer will ask about these different variables during the signup process.

Cost of International Travel Insurance

Quotes represent the cost for a month-long trip from Sept. 1 to Sept. 30, 2023 for a 40-year-old traveler from Texas. The plan has a $0 deductible and $1,000,000 in medical coverage.

Voyager plans have $1,000 in trip interruption and $500 in lost baggage coverage.

Read More: Travel Health Insurance For Visitors To USA

GeoBlue says it offers 24/7/365 assistance for all medical insurance plans through its mobile app, site and a toll-free international call center.

The app includes self-service features like virtual insurance ID cards, in-network doctor listings, medication dose conversions and access to telemedicine services on compatible devices. Telemedicine services are via Teledoc Health and include same-day appointments and additional communications, such as appointment notes, via the policyholder’s phone.

Insured customers can also contact GeoBlue via phone on toll-free and collect-call hotlines. Operators are able to coordinate services listed on the policy, check coverage eligibility and find doctors in the country.

GeoBlue has over 80 reviews on Squaremouth and a rating of 4.63 out of 5 as of June 2023. Many of the customers mentioned that they needed international health insurance without cancellation or other travel coverage and found that GeoBlue was the best fit for their needs. Some reviewers struggled to find information about healthcare providers in GeoBlue’s network in their destination country.

Here are four reviews from verified customers on Squaremouth.

“Really pleasant person at GeoBlue assisted me pre-departure when I had some difficulties accessing membership cards via the internet. She was very patient and very helpful. We had no health incidents while traveling, but we expect to purchase similar coverage next time we travel out of the U.S.” —Catherine from GA

“My trip to Israel was canceled by the tour company one week before we were to leave. I sent an e-mail to GeoBlue to inform them that the trip had been canceled. Within minutes I received an e-mail from GeoBlue that my insurance had been canceled and that I would receive a refund to my credit card ASAP. I hope to re-schedule this trip as soon as possible and I will only use GeoBlue for securing travel insurance. I could not have been more satisfied with the service and would highly recommend them to anyone considering travel insurance in the future.” —Pamela S. Johnson from OH

“I had my suitcase stolen while on my trip in Sweden. When I returned, I filed a claim ($500 total, $100 per item for lost/stolen Item) and have been turned down twice, the latest because I have no receipts for the items lost (we are talking suitcase, [clothes], shoes, electric toothbrush, toiletries, etc. [Things] that people do not keep receipts on). The first denial was noted as not providing medical records and receipts, as if they hadn’t even bothered to read the claim. I did provide them with the police report that I was provided, the report that the Gate 1 tour company provided, and a break-down of what was in the suitcase, including prices.” —Kenneth from AL

“I have been constantly asked by the medical doctor in Greece over a 6 month period to help them as I made 2 visits to the doctor and they claim they were not paid. Since I [contracted] Covid I also had bloodwork, chest X-rays, etc., 2 visits in all. I paid direct to the hospital [on my] first visit and met my deductible. ($250 or 240.50 euros). The doctor claims they were never paid by GeoBlue!

I called from Greece, which is very expensive, to GeoBlue twice and asked that they [please] straighten this out. I sent 2 emails stating the same. But to this day the doctor’s secretary is writing to me to secure payment for them. I was sick in May — it is now November! I told the doctor that you are in GeoBlue’s network and you should be contacting GeoBlue to get paid. Most annoying and frustrating.” —Martha from FL

Note: GeoBlue responded to the above review with the following: Thank you for your review! A response to your claim inquiry email was sent on 11/16/2022, please check your email and spam folder for our resolution to your claim issue.

GeoBlue has country-specific phone numbers for some destinations.

GeoBlue focuses on providing health insurance for people traveling outside of their home country. You can use deductible and coverage limit options to change the cost and level of protection of your policy.

GeoBlue stands out for travel health insurance because it offers telemedicine, a worldwide network of doctors, direct payment for in-network services and both short and long-term insurance options. We recommend requesting a quote from GeoBlue, along with at least two other travel insurance providers, to make sure you get the best value for your trip.

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