GeoBlue international Health Insurance Review & Ratings (2024)
GeoBlue international Health Insurance: Your comprehensive coverage for worry-free travel. Explore the benefits of GeoBlue's extensive network of trusted healthcare providers worldwide. With policies underwritten by 4 Ever Life International Limited, GeoBlue offers peace of mind during your international trips.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 14, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Geoblue International Health Insurance
Average Monthly Rate For Good Drivers
$0A.M. Best Rating:
A-Complaint Level:
LowPros
- Extensive network of trusted healthcare providers globally.
- Direct Pay program for streamlined reimbursement of medical expenses.
- Partnership with Bluecross Blueshield Association, a well-known parent company.
- Access to 80 percent of all doctors in America and 90 percent of hospitals.
- Translation services provided for effective communication with healthcare professionals in foreign countries.
Cons
- Limited global coverage, requiring travelers to check if they are covered in specific regions.
- Some customer complaints related to difficulties in payment processing.
- Pre-existing conditions, crises by drug or alcohol use, and injuries from dangerous activities may not be covered.
- Despite the A+ rating from the Better Business Bureau, there are customer complaints listed on their site.
- Availability of outlets may not span the entire globe, potentially limiting coverage in certain areas.
The comprehensive guide on Geoblue international health insurance provides an in-depth overview of the company’s offerings for individuals planning to travel abroad. Geoblue, a subsidiary of the BlueCross BlueShield Association, ensures access to a vast network of trusted healthcare providers worldwide.
The article details the insurance plans available, including single-trip and multiple-trip options, as well as coverage for international study programs. Noteworthy features include Geoblue‘s Direct Pay program, streamlining the reimbursement process, and translation services for effective communication with healthcare professionals in foreign countries.
The article also discusses the efficiency of Geoblue‘s claims process, its cutting-edge digital and technological features, and positive customer feedback. Overall, Geoblue emerges as a reliable choice for international travelers seeking comprehensive health coverage with the convenience of efficient services and digital tools.
What You Should Know About Geoblue International Health Insurance
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.
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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.
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 International Health Insurance Coverage Options
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.
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Geoblue International Health Insurance Rates Breakdown
Determining the exact cost of Geoblue International Health Insurance involves various factors, including the type of plan chosen, coverage limits, and the individual’s specific needs. GeoBlue offers a range of insurance plans tailored for different travel scenarios, such as single-trip, multiple-trip, and international study programs.
To obtain accurate and personalized pricing information, individuals are encouraged to use Geoblue‘s online tools or contact the company directly for a quote.
While the article provides comprehensive insights into Geoblue‘s features, plans, and customer feedback, specific details about the cost are not included. As the cost varies based on individual circumstances and chosen plans, prospective customers are advised to explore Geoblue‘s official channels to receive precise and up-to-date information on pricing and coverage options.
Geoblue International Health Insurance Discounts Available
Geoblue International Health Insurance understands the importance of providing comprehensive coverage for global travelers. In addition to their robust coverage options, Geoblue offers various discounts to enhance the affordability and accessibility of their insurance plans. Let’s explore the discounts provided by GeoBlue to ensure that travelers can access quality healthcare without compromising their financial well-being.
- Group Discounts: Geoblue extends group discounts for organizations or groups of travelers. This can be particularly beneficial for employers offering international health insurance as part of their employee benefits package or for educational institutions organizing group study abroad programs. Group discounts make it more cost-effective for entities to ensure the health and well-being of their members.
- Multi-Trip Discounts: Frequent travelers can benefit from Geoblue’s multi-trip discounts. This discount is designed for individuals who embark on multiple international trips throughout the year. By offering reduced rates for those with a pattern of frequent travel, Geoblue aims to support individuals who require continuous coverage for their global adventures.
- Student Discounts: Recognizing the unique needs of students studying abroad, Geoblue provides student discounts. This discount caters to the academic community, offering cost-effective insurance solutions for students participating in international study programs. It ensures that students have access to quality healthcare while pursuing their educational endeavors outside their home country.
- Long-Term Coverage Discounts: For individuals planning extended stays or expatriates residing abroad for an extended period, Geoblue offers long-term coverage discounts. These discounts are tailored for those who require ongoing international health insurance, providing them with financial benefits for choosing extended coverage options.
- Family Discounts: Geoblue values the importance of family health, and thus, they provide family discounts. Families traveling together or residing abroad can benefit from reduced rates, making it more economical for families to secure comprehensive health coverage. This discount encourages families to prioritize their well-being while exploring the world.
Geoblue’s commitment to making international health insurance accessible is evident through the array of discounts offered. Whether you’re part of a group, a frequent traveler, a student, planning a long-term stay, or traveling with your family, Geoblue strives to provide cost-effective solutions without compromising the quality of coverage.
It’s advisable for potential policyholders to explore these discounts and tailor their insurance plan to align with their specific needs and circumstances.
Streamlining Experience With Geoblue International Health Insurance Claims Process
Ease of Filing a Claim
GeoBlue offers multiple convenient options for filing a claim. You can file a claim online through their website, over the phone, or even through their mobile app. This flexibility ensures that you can easily initiate the claims process in a way that suits your preferences and needs.
Average Claim Processing Time
GeoBlue is known for its efficient claims processing. While specific processing times may vary depending on the nature of the claim, customers generally experience relatively quick turnaround times. GeoBlue understands the importance of timely reimbursement, particularly when it comes to international travel, and strives to expedite the claims process.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in assessing the effectiveness of an insurance provider’s claims process. GeoBlue consistently receives positive reviews from customers regarding claim resolutions and payouts. Many customers express satisfaction with the smooth and hassle-free experience of getting their claims settled, which contributes to the company’s reputation for reliability.
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Unveiling Cutting-Edge Digital and Technological Features by Geoblue International Health Insurance
Mobile App Features and Functionality
GeoBlue offers a feature-rich mobile app that enhances the overall travel insurance experience. The app provides users with access to their policy information, allows them to initiate claims, and offers real-time support for medical emergencies. Additionally, the app offers translation services, making it easier for travelers to communicate with healthcare professionals in foreign countries.
Online Account Management Capabilities
Managing your GeoBlue insurance policy is a breeze through their user-friendly online platform. You can access and update your policy details, review claims, and track the status of pending claims, all from the convenience of your online account. GeoBlue prioritizes transparency and accessibility in its digital offerings.
Digital Tools and Resources
In addition to their mobile app and online account management, GeoBlue provides a range of digital tools and resources to assist travelers. These resources include travel safety information, destination-specific healthcare guides, and access to their extensive network of trusted healthcare providers worldwide.
GeoBlue’s commitment to leveraging technology ensures that their customers are well-informed and prepared for their international journeys.
How Geoblue International Health Insurance Ranks Among Providers
When it comes to international health insurance, Geoblue stands as a prominent option, backed by the reputable BlueCross BlueShield Association. However, the market is diverse, with several competitors offering similar services. Let’s delve into some of the main competitors of Geoblue and explore their offerings.
- Cigna Global: Cigna Global is a well-established player in the international health insurance arena. With a global network of healthcare providers, Cigna offers comprehensive coverage for individuals and families living or traveling abroad.
- Allianz Care: Allianz Care is a global health insurance provider with a strong focus on international coverage. Their plans encompass a wide range of services, including emergency medical treatment, evacuation, and routine healthcare.
- Aetna International: Aetna International, a subsidiary of CVS Health, offers a range of health insurance solutions for individuals and businesses worldwide. With an extensive network of healthcare professionals and facilities, Aetna International provides coverage for medical emergencies, routine care, and preventive services.
- International SOS: Specializing in medical and travel security services, International SOS is a global leader in health and security risk management. While not a traditional insurance provider, International SOS offers medical assistance, evacuation services, and health risk assessments.
- AXA Global Healthcare: AXA Global Healthcare is known for its international health insurance solutions designed for expatriates and global citizens. Their plans cover a range of medical services, including hospitalization, outpatient care, and maternity services.
In the realm of international health insurance, each competitor brings its own strengths and features to the table. The choice among these providers depends on individual needs, travel patterns, and preferences. It’s crucial for consumers to carefully evaluate the offerings of each competitor to find the most suitable coverage for their international health requirements.
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.
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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.
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Frequently Asked Questions
What is GeoBlue Travel Insurance?
GeoBlue is a health insurance provider for international travelers that offers coverage for medical emergencies, evacuation, and other travel-related incidents.
What healthcare services does travel insurance typically cover?
Travel insurance typically covers emergency health issues, such as sudden illnesses or injuries. It usually doesn’t cover pre-existing conditions, crises caused by drug or alcohol use, or injuries from dangerous activities.
What are the four insurance options GeoBlue offers?
GeoBlue offers four insurance options: Voyager Essential, Voyager Choice, Trekker Essential, and Trekker Choice.
What is the Direct Pay program offered by GeoBlue?
GeoBlue’s Direct Pay program allows you to contact GeoBlue 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.
Does GeoBlue have a network of healthcare providers?
Yes, GeoBlue has a massive network of healthcare providers that includes 80 percent of all doctors in America, as well as 90 percent of hospitals. However, their outlets don’t span the entire globe, so you should check if you’re covered before you leave.
What are the reviews like for GeoBlue Travel Insurance?
GeoBlue generally gets great reviews from its customers. However, some customers have had difficulty with the company when it came time for payments. 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.
Who should consider travel insurance?
Anyone can benefit from the peace of mind of knowing that your health is covered while traveling, but people leaving the country and seniors should especially consider it.
How can I get affordable GeoBlue rates?
If you’re interested in affordable GeoBlue rates, you should compare quotes with other travel insurance companies. You can enter your ZIP code into a free tool to see what rates might look like for you.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.