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GeoBlue International Health and Travel Insurance

GeoBlue offers expatriate health insurance, multinational corporate health insurance, and travel insurance plans for individuals and groups.

GeoBlue International Health and Travel Insurance

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GeoBlue offers long-term and short-term insurance options for medical coverage abroad. Travel and health insurance plans may be for individuals or groups, covering families, missionaries, multinational corporations, faculty, or students. GeoBlue also has an extensive provider network.

GeoBlue’s international network of providers spans more than 180 countries and territories and includes more than 1.7 million providers. This insurance provider has 24/7 phone, online, mobile, and telemedicine support for members.

GeoBlue Medical Coverage Options for Expats & Travelers

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GeoBlue provides three different types of plans to meet the needs of expats and travelers. Voyager is single-trip medical insurance. Trekker is short-term multi-trip travel medical insurance. Xplorer is GeoBlue’s long-term health insurance for expatriates.

Why Expats and Travelers Choose GeoBlue

Expatriates and travelers with GeoBlue get the following perks:

  • 24/7 medical support
  • Cashless appointments
  • Paperless claims resolutions
  • Appointment scheduling support
  • Destination health intelligence.
  • GeoBlue Member Services App
  • Members get free access to the Global TeleMD™ smartphone app
  • Extensive direct billing network

GeoBlue Member Services App

GeoBlue provides policyholders exclusive access to their member services app. The GeoBlue app is available from Apple and Android.

GeoBlue’s member services app provides members access to

  • News and safety information notifications for your location
  • The provider directory includes doctor profiles, preferred hospitals, and contact information and addresses
  • Electronic copy of ID cards and the ability to request a new physical copy
  • A medicine equivalent tool to figure out what country-specific equivalent prescriptions and over-the-counter medications
  • A medical term and phrase translator for common healthcare terms and phrases

GeoBlue Members Get Free Access to Global TeleMD™

Members can access a smartphone app for free that provides confidential doctor appointments over the phone or by secure video call. Global TeleMD™ has multiple language options and same-day virtual appointments for non-emergency medical guidance and consultations.

Consultation notes will be available directly on your phone. You may receive referral letters and prescriptions as local regulations allow from Global TeleMD™ visits.

Extensive GeoBlue Provider Network

GeoBlue’s international network of providers is spread across more than 180 countries and includes most specialties. Every physician in GeoBlue’s elite network must be certified by the American or Royal Board of Medical Specialties. Every doctor also speaks English.

GeoBlue features provider profiles on its website to help policyholders choose in-network providers. Network providers bill BeoBlue directly for medical services, so policyholders won't need to stress about filing claims or seeking reimbursement for medical expenses.

GeoBlue’s network in the United States includes Blue Cross Blue Shield’s network. This direct billing network covers 80% of physicians and 90% of hospitals within the USA.

GeoBlue Expat Health Insurance Plans

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Expats whose home country is the United States have options for long-term GeoBlue coverage. If you would like comprehensive health insurance including the United States, the Xplorer Premier plan is the best for you. If you need minimal or no USA coverage, consider the Xplorer Essential plan.

Expatriates insured by GeoBlue Plans enjoy the following benefits outside the United States:

  • Unlimited telemedicine visits
  • Optional dental and vision coverage
  • Immediate coverage of pre-existing conditions with proof of previous coverage
  • A waived deductible for prescriptions, office visits, and preventative care

The Explorer Essential plan has an add-on option for basic US coverage. This table compares the major differences and similarities between comprehensive US coverage through Xplorer Premier and basic US coverage as an add-on to Xplorer Essential.

Xplorer Plans USA Coverage Comparison
  Xplorer Essential w/ Add-on Xplorer Premier
Medical Maximum Benefit Amount (USD) $1,000,000 Unlimited
Coverage Duration within the United States (for US Citizens) Maximum of three trips per calendar year, 21 days per trip Capped at 9 months
Preventative Care within USA Not Covered Yes
Ability to Travel to USA for Treatment No Yes
Outpatient Prescription Drug Coverage (USD) $1,000 for prescriptions only related to emergency medical care, illness, and accidental injury $2,500 for Basic Benefit Package, $25,000 with Enhanced Prescription Upgrade
Birth Control Coverage in USA Not Covered See plan outpatient drug limit
Inpatient Mental Health Benefits within the USA Not Covered In-network: 80%, Out-of-network: 60%
Outpatient Mental Health Benefits within the USA Not Covered In-network: 100% after $30 copay; Out-of-network: 60%
USA Benefits for Covered Pre-existing Condition (USD) $500 Unlimited
Co-pay for each USA In-Network Physician Office Visit (USD) $50 $30
USA Physician Network Blue Cross Blue Shield PPO Network Blue Cross Blue Shield PPO Network

Xplorer Essential Benefits Outside the USA

GeoBlue’s Xplorer Essential plan is best for expatriates who do not plan to return to the United States while living abroad or who are keeping their domestic health insurance plan in the US. The add-on for US coverage with Xplorer Essential is only intended for short trips home.

The Xplorer Essential plan has an unlimited lifetime and annual benefit maximum outside of the United States.

Xplorer Essential has the following deductible options per insured person per year: $0; $1,000; $2,500; $5,000; or $10,000. Selecting a higher deductible will lower premiums. The overall financial benefit of choosing a lower deductible or lower premiums depends on your medical expenses.

Note: The family maximum deductible is 2.5 times the selected deductible for the plan, regardless of the family size.

Xplorer Essential covers the following healthcare services 100% outside of the United States, not subject to a deductible:

  • Preventative & Primary Care for babies and children, birth to age 18
    • Preventative care office visits and examinations
    • Immunizations
    • Lab work and x-rays done in conjunction with an office visit
  • Preventative & Primary Care for adults age 19 and older
  • Primary care office visits and specialist office visits are covered 100% after $10 copay
  • One annual physical examination/health screening per calendar year with a maximum benefit amount of $1000.
  • Up to 12 physical/occupational therapy visits per year

GeoBlue’s Xplorer Essential plan covers outpatient mental health services and substance abuse services at 100% without a deductible after a $10 copay per visit outside of the United States.

Once the deductible is met on the Xplorer Essential Plan, the following medical care is covered at 100% outside of the United States:

  • Outpatient surgery, anesthesia, radiation therapy, diagnostic x-ray and lab work, and in-hospital physician visits
  • Inpatient surgery, organ/tissue transplants, in-hospital doctor visits
  • Inpatient medical emergencies
  • Inpatient mental health and inpatient substance abuse
  • Inpatient drugs
  • Ambulance service
  • Durable medical equipment
  • Infusion therapy

The following healthcare services are covered outside of the US with limitations once the annual deductible on the Xplorer Essential plan is met:

  • Accidental dental care up to $1,000 per calendar year and $200 per tooth
  • Acupuncture and chiropractic services under the care of a licensed physician up to $2,000 per calendar year
  • Home health care with a maximum of 30 visits per calendar year
  • Skilled nursing facilities with $250/day limit and a maximum of 50 days per calendar year
  • Hospice, with a lifetime maximum benefit of $5,000

The Xplorer Essential plan through GeoBlue has multiple options for pharmacy benefits, including an enhanced coverage option.

Ready to explore more insurance options? Compare expatriate health insurance plans here.

Xplorer Premier Benefits with USA Coverage

GeoBlue’s Xplorer Premier expatriate health insurance plan is geared toward Americans living abroad for at least three months out of the year. This plan includes comprehensive coverage within the USA for up to nine months out of the year.

The Xplorer Premier plan has unlimited annual and lifetime benefits. Benefits outside of the United States and within the United States differ, but amounts paid within and without the United States apply toward your chosen annual deductible requirements.

This table illustrates the deductible options for the Xplorer Premier plan. The individual Out-of-pocket maximum is found by adding the deductible and coinsurance maximums. The family Out-of-Pocket Maximum is 2.5 deductibles.

Xplorer Premier Deductible Selections (USD)
Xplorer Premier Deductible Selection Deductible Outside of USA USA Deductible In-Network USA Deductible Out-of-Network Annual Coinsurance Maximum
10,000 Plan $10,000 $10,000 $10,000 $10,000
5,000 Plan $2,500 $5,000 $10,000 $10,000
2,000 Plan $1,000 $2,000 $4,000 $8,000
1,000 Plan $500 $1,000 $2,000 $4,000
Elite $0 $0 $1,000 $2,000

Primary and preventative care services are not subject to a deductible with GeoBlue’s Xplorer Premier plan. Patient responsibility for primary and preventative care depends on where the care is received.

Primary and Preventative Care Coverage Birth to 18
  Outside of USA USA In-Network USA Out-of-Network
Office visits/exams 100% 80% until coinsurance maximum is met, then covered 100% 60% until coinsurance maximum is met, then covered 100%
Immunizations
Labs & X-Rays (in conjunction with office visit)

Adults and children receive similar coverage for primary and preventative office care visits, but adults receive additional coverage for routine screenings appropriate for adults.

Primary and Preventative Care Coverage Adults 19+
  Outside of USA USA In-Network USA Out-of-Network
Office visits/exams 100% 80% until coinsurance maximum is met, then covered 100% 60% until coinsurance maximum is met, then covered 100%
CDC-Recommended Immunizations
Labs & X-Rays (in conjunction with office visit)
Women: Pap Smears and Mammograms
Men: Prostate-Specific Antigen (PSA) Test

The following benefits are also paid before the deductible is met for children and adults. Benefits depend on where the care is received. See the table for reference.

Healthcare Services Covered before Deductible is Met
  Outside of USA USA In-Network USA Out-of-Network
Primary Care or Specialist Office Visits 100% after $10 copay 100% after $30 copay 60% until coinsurance is met, then 100%
Urgent Care Facility 100% 100% after $75 copay 60% until coinsurance is met, then 100%
Up to 12 Sessions of Physical/ Occupational Therapy per Year 100% 100% 100%
Outpatient Mental Health 100% after $10 copay 100% after $30 copay 60% until coinsurance is met, then 100%
Outpatient Substance Abuse 100% after $10 copay 100% after $30 copay 60% until coinsurance is met, then 100%

The following healthcare services are subject to the Xplorer Premier deductible. These services are covered at 100% outside of the United States once the deductible is met. Within the US, these services are subject to coinsurance policies for in-network and out-of-network providers.

  • Surgery & anesthesia
  • Diagnostic x-rays & lab work
  • Radiation therapy
  • In-hospital physician visits
  • Inpatient medical emergencies
  • Inpatient drugs
  • Organ/tissue transplants
  • Ambulance service
  • Ambulatory surgical center
  • Ambulance service
  • Durable medical equipment
  • Infusion Therapy
  • Inpatient Mental Health
  • Inpatient Substance Abuse Treatment

The following healthcare services are covered outside of the US with limitations once the annual deductible on the Xplorer Premier plan is met. These services are subject to coinsurance policies for in-network and out-of-network providers within the United States.

  • Accidental dental care up to $1,000 per calendar year and $200 per tooth
  • Acupuncture and chiropractic services under the care of a licensed physician up to $2,000 per calendar year
  • Home health care with a maximum of 30 visits per calendar year
  • Skilled nursing facilities with $250/day limit and a maximum of 50 days per calendar year
  • Hospice, with a lifetime maximum benefit of $5,000

The Xplorer Premier basic prescription drug benefit covers up to $2,500 per insured person per calendar year with a maximum supply of 90 days.

An enhanced prescription drug benefit is available with the following coverage:

Xplorer Premier Prescription Benefit Optional Rider
Prescription Drug Outside of USA USA In-Network USA Out-of-Network
Coverage ($25,000 maximum per insured person per calendar year, maximum of 90-day supply) 100% of actual charges Generics: $10 copay per 30-day supply then covered 100% Generics: $10 copay per 30-day supply then covered 100%
Brand Name: $10 copay per 30-day supply then covered 100% Brand Name: $10 copay per 30-day supply then covered 100%
Injectables: 70% Injectables: 70%

Want more information? Compare expatriate health insurance plans here.

GeoBlue Group & Corporate Health and Travel Insurance

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GeoBlue is equipped to meet the health and travel insurance needs of corporations, academic institutions, maritime crews, and missionaries. Whether your group is looking for long-term benefits or single-trip insurance, GeoBlue policies provide exceptional medical coverage.

Voyager Single Trip Group Insurance

Geoblue offers a 10% discount on Voyager single trip plans for groups of 5 or more people. Coverage is available for trips outside of the United States for up to 6 months in duration. The plan covers participants aged 95 and younger.

The Voyager Choice Group Plan  for groups requires a primary health plan but offers up to $50 per day for up to 10 days of quarantine. This plan also covers pre-existing conditions for medical services and evacuation.

The Voyager Essential Group Plan does not require primary health insurance, but quarantine benefits are limited to $25 per day for up to ten days. It only covers pre-existing conditions for medical evacuations.

GeoBlue Multinational Employer Health Insurance

GeoBlue offers outstanding multinational employer health insurance plans through its Blue Cross Blue Shield Global group products. Long-term comprehensive insurance plans give international medical coverage for employees and their dependents who leave their home country for six months or more.

GeoBlue also offers an Employee Assistance Program (EAP), which includes work/life services, telephonic and remote counseling, legal and financial services, wellness coaching, and more provided by Workplace Options (WPO).

Geoblue offers standard and customizable long-term insurance plans for the following employee groups and their dependents:

  • S. employees working on assignment outside of the USA
  • Foreign nationals working on assignment within the USA
  • Third country nationals

Coverage options are available for the following medical services:

  • Well visits & wellness
  • Medical evacuation and repatriation
  • Prescriptions
  • Hospitalizations
  • Maternity

Supplemental coverage options include

  • Dental
  • Vision
  • Life & long-term disability
  • Accidental Death & Dismemberment (AD&D)

Make sure that you’re choosing an insurance provider that provides the coverage your employees need. Corporations have a lot to gain by doing a benefit inventory with the help of a broker-consultant before choosing a plan.

GeoBlue Specialty Group Health Insurance Plans

GeoBlue has specialty long-term insurance plans for education, missions, NGOs, humanitarian work, and maritime crews. Dependents and families can be added to these policies! Only the subscriber needs to fit within the policy's employment or student status parameters.

Insured members have the choice to see any healthcare provider outside of the United States. Members can access the Blue Cross Blue Shield PPO network in the USA.

Navigator Long-Term Health Insurance for Education

GeoBlue’s Navigator long-term health insurance for education is geared to meet the needs of faculty, teachers, students, and their families when they plan to be outside of the United States for at least 3 months each year. This plan meets F1 and J1 visa requirements.

Coverage Highlights for Navigator Long-Term Insurance for Education:

  • Pre-existing conditions are covered with proof of previous coverage.
  • Optional maternity, dental, and vision coverage
  • Covers comprehensive mental health services
  • Covers medically necessary COVID-19 diagnosis and treatment
  • Covers illness and injuries related to terrorism
  • Contraceptive supplies and services are covered
  • Includes prescription drug coverage
  • Unlimited telemedicine services

Navigator Long-Term Health Insurance for Missionaries, NGOs, & Humanitarian Workers

GeoBlue’s Navigator long-term health insurance plan is for NGOs, Missionaries, humanitarian workers, and their families. This plan is for individuals and families who will be outside of their home country for at least 3 months out of the year.

Coverage Highlights for Navigator Long-Term Insurance for Missionaries, NGOs, and Humanitarian Workers:

  • Pre-existing conditions are covered with proof of previous coverage.
  • Optional dental and vision coverage
  • Covers medically necessary COVID-19 diagnosis and treatment
  • Covers illness and injuries related to terrorism
  • Includes prescription drug coverage
  • Unlimited telemedicine services

Navigator Long-Term Health Insurance for Maritime Crew

GeoBlue’s Navigator long-term health insurance for maritime crew members is designed to meet the medical coverage needs of crew members and their families. This plan is for participants who will be outside of the United States for at least 3 months each year.

Coverage Highlights for Navigator Long-Term Insurance for Maritime Crew Members:

  • Covers injuries related to amateur sailboat racing and alcohol
  • GeoBlue coverage is primary to protection & indemnity insurance
  • Pre-existing conditions are covered with proof of previous coverage.
  • Optional dental and vision coverage
  • Covers medically necessary COVID-19 diagnosis and treatment
  • Contraceptive supplies and services are covered
  • Includes prescription drug coverage
  • Unlimited telemedicine services

GeoBlue Personal Travel Insurance Plans

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GeoBlue offers single-trip insurance and multi-trip insurance for travelers from most US states. Applicants must be US citizens or legal residents of the United States. GeoBlue travel insurance plans are geared toward medical expenses while traveling but include some non-medical benefits too.

GeoBlue travel insurance plans require policyholders to have a domestic health insurance policy. However, the domestic medical insurance policy does not have to be from GeoBlue or Blue Cross Blue Shield.

Other eligibility requirements for GeoBlue travel insurance policies include:

  • Plan must be purchased before departure
  • Plans are available to persons aged 95 and younger
  • Children under age 6 must also be enrolled with a parent, grandparent, aunt, or uncle.
  • Everyone on the policy, including dependents, must be a legal resident of the United States.

GeoBlue’s Voyager plan covers single trips up to 182 days. Trekker is a multi-trip plan that covers an unlimited number of trips over the course of a one-year policy. The Trekker plan covers the first 70 days of each trip.

Both plans grant policyholders access to GeoBlue’s amazing 24/7/365 benefits. Here are just a handful of the outstanding benefits that are accessible through GeoBlue’s apps and Global Service Center.

  • 24/7/365 Global Service Center
  • 24/7/365 same-day virtual doctor appointments
  • Multi-lingual support and medical translation tools
  • Medical evacuation and repatriation coordination
  • News and safety information for your location

Find out how much a GeoBlue travel insurance policy would cost here.

The following table compares the non-medical benefits of GeoBlue’s single-trip policy versus the multi-trip policy.

GeoBlue Plans Non-medical Benefits Comparison (USD)
  Voyager (Single Trip) Trekker (Multiple Trips)
Accidental Death & Dismemberment Maximum Benefit $50,000 $25,000
Emergency Family Travel Arrangements $2,500 for one economy round-trip plane ticket $2,500 for one economy round-trip plane ticket
Hazardous Activities (downhill skiing or scuba diving within certain parameters) $25,000 maximum claim amount $25,000 maximum claim amount
Post-Departure Trip Interruption Transportation $1,000 maximum benefit amount Not covered
Post-Departure Trip Interruption Quarantine Coverage Lodging & incidentals of $50 per day, 10 days maximum Not covered
Lost Baggage & Personal Effects Coverage Maximum benefit of $500 per trip, $100 per bag/item Maximum benefit of $500 per trip, $100 per bag/item
Repatriation of Remains $25,000 maximum benefit $25,000 maximum benefit

Voyager Personal Single Trip Insurance

GeoBlue’s Voyager single-trip insurance policy covers US citizens and legal US residents traveling abroad in most locations worldwide. Policyholders must have a primary health insurance policy to be eligible for the Voyager plan.

Applicants have options for the maximum benefit amount and the deductible for the policy period:

  • Maximum benefit amount options per insured person per policy period (USD): $1,000,000; $500,000; $100,000; $50,000
  • Deductible per insured person per policy period (USD): $500; $250; $100; $0

The following services are 100% covered by GeoBlue’s Voyager plan.

  • Surgery, anesthesia, x-rays, lab, and in-hospital doctor visits
  • Office visits, x-rays, and lab work billed by the attending physician
  • Inpatient hospital services and inpatient medical emergency
  • Ambulatory surgical center
  • Emergency medical evacuations up to $500,000 per trip

The following medical services are covered at 100%, subject to limits with the Voyager plan.

  • Non-medical evacuation ambulance services are covered up to $1,000.
  • Outside the US, outpatient prescription drugs are covered up to $5,000 if charges are reasonable.
  • Physical and occupational therapy is covered with a $100 maximum per visit and a limit of 6 total visits.

The Voyager plan covers the following dental benefits, subject to limits.

  • Reasonable charges for dental care required due to an injury are covered at 100%. There is a maximum benefit of $500 per trip period.
  • Reasonable charges for dental care to relieve pain are covered with a maximum benefit amount of $250 per trip.

GeoBlue’s Voyager plan includes pre-existing condition coverage for its policyholders. Pre-existing coverage includes medical evacuation and medical services, subject to underwriting.

Get a quote for GeoBlue’s Voyager plan here.

Trekker Personal Multi-Trip Insurance

GeoBlue’s Trekker multi-trip insurance policy covers unlimited trips within one year for the first 70 days of each trip. To be eligible for a Trekker plan, you must be a citizen or legal resident of the US and have a primary insurance policy.

Trekker-insured travelers up to age 69 have a maximum benefit amount of $1,000,000 per insured person per policy period. Insured travelers aged 70-95 have a maximum benefit amount of $100,000 during the policy period.

The deductible on the Trekker plan is $100 per insured person per policy period, but the deductible is waived when insured travelers use GeoBlue contracted providers.

The following services are 100% covered by GeoBlue’s Trekker plan.

  • Surgery, anesthesia, x-rays, lab, and in-hospital doctor visits
  • Office visits, x-rays, and lab work billed by the attending physician
  • Inpatient hospital services and inpatient medical emergency
  • Ambulatory surgical center
  • Emergency medical evacuations up to $500,000 per policy period

The following medical services are covered at 100%, subject to limits with the Trekker plan.

  • Non-medical evacuation ambulance services are covered up to $1,000.
  • Outside the US, outpatient prescription drugs are covered up to $5,000 if charges are reasonable.
  • Physical and occupational therapy is covered with a $100 maximum per visit and a limit of 6 total visits per period of insurance.

The Trekker plan covers the following dental benefits, subject to limits.

  • Reasonable charges for dental care required due to an injury are covered at 100%. There is a maximum benefit of $300 per trip period.
  • Reasonable charges for dental care to relieve pain are covered with a maximum benefit amount of $300 per trip period.

GeoBlue’s Trekker plan includes pre-existing condition coverage for its policyholders. Pre-existing coverage includes medical evacuation and medical services, subject to underwriting.

Get a quote for GeoBlue’s Trekker plan here.

GeoBlue Covid-19 Travel Insurance Coverage

GeoBlue’s single-trip and multi-trip policies cover medically necessary services to test, diagnose, and treat COVID-19 infection while traveling.  Single-trip insurance also includes quarantine coverage of $50 per day for up to ten days to cover lodging and incidentals.

Using a Broker to Get GeoBlue Medical Insurance

Anyone seeking an insurance policy may go directly to GeoBlue, or they may go through a broker. Using an insurance broker is the best way to secure travel or health insurance plans because their value-added services cost nothing extra.

Here are some additional benefits of working with an insurance broker, like Pacific Prime, to get GeoBlue insurance:

  • With a broker, you can find and compare plans and quotes from multiple insurance companies simultaneously.
  • Brokers help you fill out forms, file claims, and renew policies
  • You benefit from the advice of a company that understands the insurance market globally.

To work with a broker today, contact Pacific Prime with any questions.

Frequently Asked Questions

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What type of insurance does GeoBlue offer?

GeoBlue offers short-term and long-term medical insurance plans for travelers, expatriates, groups, corporations, schools, and missionaries. Travel medical insurance can be for one trip or multiple.

Is GeoBlue part of BlueCross BlueShield?

GeoBlue is another name for Worldwide Insurance Services LLC, which is an independent licensee of the Blue Cross Blue Shield Association. GeoBlue’s provider network in the United States is the Blue Cross Blue Shield network.

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