We Recommend Travelex
GeoBlue is the trade name of WorldWide Insurance Services, LLC, and has been operating as an independent licensee of BlueCross BlueShield – a huge name in the health insurance industry – since 1997. This means their policies are underwritten by local BlueCross BlueShield providers in each state across the country.
They write travel health policies only – no other types of travel health insurance, and serve U.S. customers for international travel. Their policies include single and multi-trip and a series of long-term specialty policies for students, missionaries, and other people who will be spending an extended amount of time in another country.
GeoBlue has access to a large network of doctors and hospitals across the globe and utilizes the latest technology to keep policyholders in touch from anywhere. They provide physician profiles, translation services, mobile access to proof of coverage and more to keep them at the forefront of the travel health insurance world.
GeoBlue policies are sold through the website directly, as well as through independent insurance and travel agents across the country.
GeoBlue’s policies are exclusively travel health plans. There is no coverage available for trip interruption or any other travel expenses. The choices are broken down into categories, with options in each.
Voyager plans are single-trip international health insurance plans available in two levels, Choice, and Essential. There are a few differences between the two, but the main difference is that the Choice plan is secondary to a primary health insurance plan, while the Essential is primary coverage.
The coverage under these plans is basically the same, as both include:
- Medical coverage limits at your choice of $50,000, $100,000, $500,000, and $1,000,000
- Coinsurance at 100% of reasonable charges
- Accidental Death and Dismemberment coverage at $25,000 for Essential and $50,000 for Choice
- Medical Evacuation coverage at $500,000
- Outpatient Prescription Drugs outside the U.S. at 50% for Essential ad 100% for Choice, both up to $5000
- Coverage for both emergency and non-emergency medical care
- Deductible options ranging from $0 to $500
Pre-existing conditions are covered on Essential with a 180-day exclusion, and not covered on Choice plans. Both plans offer access to all of the services offered by GeoBlue including 24-hour assistance and translation services. The Voyager is also available as a group plan.
Like Voyager, Trekker has two plan levels – Choice and Essential. The Trekker plans are multi-trip plans designed for people who travel frequently throughout the year. Unlike some plans, there is no limit to how many trips can be taken in a year, although trips must be less than 70 days in length. In this case, there are more differences in coverage between the two plans.
- $50,000 for medical expenses
- 100% Coinsurance
- $250,000 medical evacuation coverage
- $15,000 repatriation
- 100% outpatient drugs up to $2500
- $250,000 for medical expenses
- 100% Coinsurance
- $500,000 medical evacuation coverage
- $25,000 for accidental death & dismemberment
- 100% outpatient drugs up to $5000
Both plans include coverage for pre-existing conditions, both require primary coverage, and both have a $50 deductible. They also both cover both emergency and non-emergency care. As with all GeoBlue plans, 24-hour assistance and all other perks are included.
The Xplorer plan is a long-term travel insurance plan for expatriates that is available with two Worldwide levels – one includes the U.S. and one does not. The two plans under each Worldwide heading are Essential and Select.
The Essential Plan provides primary coverage for U.S. expatriates living abroad. It requires full medical underwriting, and a 364-day waiting period before maternity benefits are available. This plan has a 6-month waiting period for pre-existing conditions.
The Select Plan is also primary coverage, but covers expatriates living abroad who have a domestic health insurance plan as well. Coverage is coordinated with the domestic plan. The medical underwriting is abbreviated, and maternity is available with no waiting. This plan also has a 6-month exclusion on pre-existing conditions.
Both plans offer the same levels of coverage, with the same limits available. There are a variety of limits and deductibles to choose from, allowing this plan to be tailored.
This long-term plan is designed for students and faculty, missionaries, and crew members who need insurance to cover them wherever they are in the world. These plans offer a variety of coverage levels to meet the needs of the various types of travelers, with simple copays for office visits and no pre-existing conditions exclusion if you have creditable coverage.
Quotes are very easy to obtain for the single-trip plans, which come back with a range of affordable options. The prices differ based on the maximum limits chosen, and we returned the following for a 30-year-old from California with a 2-week trip:
- $50,000 for $16.80
- $100,000 for $22.95
- $1,000,000 for $26.55
- $50,000 for $18.90
- $100,000 for $25.65
- $1,000,000 for $32.55 with no deductible
It’s clear that the highest level of coverage is the best value, but the lowest end choice is a good budget option as well. Overall, these prices are reasonable for the levels of coverage provided.
The multi-trip Trekker plans are a great value for the coverage they provide, especially considering there is no limit to the number of trips.
- Essential $95
- Choice $165
The other policy types require more information and are best quoted by contacting GeoBlue. Overall, plan rates are very affordable.
Unlike most travel insurance plans, GeoBlue offers paperless claims – although some claims may still need a form filed. The website offers online filing and tracking of claims through the member portal, making it easy to keep track of claims information.
There is also a mobile app available that allows members to track claims from anywhere, which is convenient for travelers who may not have regular access to a computer or to wifi connections.
The website offers very little information regarding the claims process or contact information; its possible that members must be logged in to easy access this information. ID Cards are a source of this information as well.
There is no listing on the Better Business Bureau for GeoBlue, so there is no rating or complaints database. A review of all of the various travel insurance sites finds generally positive reviews, including many people who had claims that were handled well. The vast majority of comments about the travel plans and company are positive.
As a BlueCross BlueShield company, GeoBlue can be looked at through the reputation of that company – which is reasonable. BBB ratings are available for each individual BCBS company throughout the states, and may differ greatly depending on where you are.
GeoBlue is a travel medical insurance company backed by health insurance giant BlueCross BlueShield. They offer medical plans for individuals and groups, both single-trip and multi-trip, with a range of limits to suit everyone. Rates are pretty good and there is no indication of problems with the company’s reputation. GeoBlue is a good choice for those who want medical coverage only without additional travel insurance benefits.
For a list of companies that we recommend, visit our Best Insurance Companies page.