GeoBlue: The Best Travel Insurance
GeoBlue sells comprehensive and affordable travel medical plans for all types of travelers, from expats and digital nomads to single-trip travelers and students. Their app makes accessing care easy, and their license with Blue Cross Blue Shield gives you access to elite medical care worldwide.
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Are you planning for a trip and wonder what travel insurance you’ll need? Are you looking for exceptional international travel medical insurance for your vacation abroad? Maybe you’re wondering what makes GeoBlue plans stand out or even which plan to pick.
This guide will outline the benefits offered by GeoBlue and break down each of their travel insurance plans so you can decide which plan is right for you. If you don’t find what you’re looking for, check out the 5 best travel insurance companies.
Why Pick GeoBlue for Your Travel Insurance
GeoBlue offers seven travel insurance plans, categorized as either General Plans or Specialty Plans. These cover short- and long-term trips with a focus on travel medical coverage. You are sure to find the right plan for you whether as an expat, digital nomad, or a short-term traveler.
Note that GeoBlue caters to the needs of legal residents of the United States—either citizens, permanent residents, or those employed in the United States. Expats, travelers, and workers from the United States living abroad can choose coverage that either includes or excludes the U.S.
GeoBlue Offers Only Works with the Best Medical Professionals
GeoBlue’s top-tier medical coverage extends to all fifty U.S. states and over 190 countries worldwide. They use rigorous standards set by the American Board of Medical Specialties to vet for the best medical professionals, and only those who meet qualifications are invited to the GeoBlue network.
GeoBlue Makes Your Travel Insurance Easy
All Geoblue-network medical professionals speak English to ensure easy translation whether you’re in the United States or abroad. With direct billing, Geoblue also makes filing your claims easy. To file a claim, find a doctor and more, clients can use the Member Services portal or the mobile app.
You can file a prescription, make an appointment, translate medical symptoms, and even talk to a doctor 24/7 through telemedicine services right within the GlobalTeleMD app and the Member Services online portal.
If you use telemedicine services, you can find your consultation notes stored securely right in the app so that you’re ready to share the information with your doctor after your vacation.
GeoBlue’s General Travel Insurance Plans
GeoBlue has three general travel insurance plans. The Voyager plan is their single-trip plan; the Trekker plan is their multiple-trip plan; and the Xplorer is their long-term/expatriate plan. Each of these plans is designed to meet your needs as a traveler around the world.
GeoBlue Voyager Choice Plan
GeoBlue’s Voyager Choice plan is their most popular and comprehensive plan for health coverage for a single trip. It covers COVID-19 testing and treatment, pre-existing conditions, and more. Let’s break down the Voyager Choice plan below.
The breakdown:
- Includes transportation benefits for post-departure trip interruption up to USD $1,000
- Includes quarantine benefits for 10 days up to USD $50 a day
- Includes a selection of medical limits and deductibles
- Includes coverage for up to six months for individuals 95 years or younger traveling outside the U.S.
- Includes coverage for medical services and evacuations for pre-existing conditions for individuals with a current U.S. health insurance plan
- Includes 24/7 phone, web, mobile, and telemedicine support
The Voyager plan requires that you have a primary health plan, though it does not have to be Blue Cross and/or Blue Shield. The plan also has no hospital pre-certification penalty.
For a 30-year-old traveler spending two weeks abroad, they will pay USD $35.84 total to receive medical coverage up to USD $1,000,000 with a USD $0 deductible. This includes coverage for pre-existing conditions. Options for lower medical coverage could lower your price to as low as USD $20.86.
To find more details on the plan, read more here, get a quote right away, or talk to a broker.
GeoBlue Trekker Choice Plan
GeoBlue’s Trekker Choice travel insurance plan gives affordable, excellent travel medical coverage across multiple trips in one year. It includes options for a USD $500,000 maximum with a $200 deductible or a USD $1,000,000 maximum with a $100 deductible.
The breakdown:
- Includes coverage of COVID-19 testing and treatment
- Includes 100% coverage for surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray,s and lab work
- Includes 100% coverage for ambulance services (non-medical evacuation) up to USD $1,000
- Includes coverage for medical services and evacuation for pre-existing conditions
- Includes coverage for an unlimited number of trips outside of the U.S. within a 12-month period (there is a 70-consecutive-day max per trip)
- Includes luggage protection up to $100 for each bag or personal effect
- Includes 24/7 phone, web, mobile, and telemedicine support
The Trekker Choice plan requires that you have a primary health plan, though it does not have to be Blue Cross and/or Blue Shield. The plan also has no hospital pre-certification penalty.
For a 30-year-old traveler spending two weeks abroad, they will pay USD $184.00 total to receive medical coverage up to USD $1,000,000 with a USD $100 deductible. Options for lower medical coverage could lower your price to as low as USD $131.00.
To find more details on the plan, read more here, get a quote right away, or talk to a broker.
GeoBlue Xplorer Premier Plan vs. Xplorer Essential Plan
GeoBlue’s Xplorer Premier plan is a worldwide, comprehensive coverage plan that gives complete health insurance anywhere on the globe. This is an annual plan for individuals and families who will be away from their home country for a minimum of three months each year.
The breakdown:
- Includes unlimited annual and lifetime medical coverage
- Includes immediate coverage of pre-existing conditions with proof of previous coverage
- Includes access to the Blue Cross Blue Shield PPO network in the U.S. and lets you choose any healthcare provider outside of the U.S.
- Includes a waived deductible for prescriptions, office visits, preventative care, and more
- Includes prescription converge and your choice of extra prescription benefits
- Includes optional coverage for dental and vision
- Includes telemedicine services with no limit
In the event the subscriber dies, the Xplorer Premier plan guarantees continuous coverage for the spouse and dependents of the policy holder.
Expats and long-term travelers can also choose the Xplorer Essential plan, which offers an add-on for basic U.S. coverage. Let’s compare the benefits between the two tiers of the Xplorer plan:
| 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 U.S. 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 |
To find more details on the plan, read more here, get a quote right away, or talk to a broker.
GeoBlue’s Specialty Travel Insurance Plans
GeoBlue has five specialty travel insurance plans that beat their competition. Their Voyager plan offers single-trip coverage for groups while their Navigator plan has long-term options for students, groups, missionaries, and corporate groups.
GeoBlue Voyager Choice Group Plan
The Voyager Choice Group plan offered by GeoBlue grants a 10% discount for groups of five or more. It has a selection of medical limits and deductibles and includes coverage for individuals 95 or younger for up to six months outside of the U.S.
The breakdown:
- Includes coverage of COVID-19 testing and treatment
- Includes transportation benefits up to USD $1,000 for post-departure trip interruptions
- Includes quarantine benefits for up to 10 days with $50 max per day
- Includes coverage for medical services and evacuation for pre-existing conditions
- Includes 24/7 phone, web, mobile, and telemedicine support
The Voyager Choice Group plan requires a primary health plan and has no hospital pre-certification penalty.
To find more details on the plan, read more here, get a quote right away, or talk to a broker.
GeoBlue Navigator for Student Plan
The Navigator for Student plan by GeoBlue is affordable, complete worldwide coverage created with students, teachers, and faculty in mind. This is an annual plan for individuals and their families planning to be away from their home country for a minimum of three months a year.
The breakdown:
- Includes coverage for the dependants and families of the subscriber (only the subscriber must be a teacher, student, or faculty)
- Includes flexible options for the plan length
- Includes plan options that meet the requirements of F1 and J1 Visa
- Includes annual and lifetime medical maximum with no limit
- Includes coverage for contraceptives and supplies
- Includes comprehensive mental health care
- Includes access to the Blue Cross Blue Shield PPO network in the U.S. and lets you choose any healthcare provider outside of the U.S.
- Includes coverage for pre-existing conditions with proof of previous coverage
- Includes coverage for illnesses and injuries related to terrorism
- Includes prescription coverage
- Includes coverage for dental, vision, and maternity if selected
- Includes coverage for medically necessary COVID-19 testing and treatment
To find more details on the plan, read more here, get a quote right away, or talk to a broker. Students can also check out our guide on finding the best health insurance for studies abroad.
GeoBlue Navigator for Crew Plan
GeoBlue’s Navigator for Crew Plan brings affordable worldwide coverage to maritime crew members. This is an annual plan for those who plan to be away from their home country for at least three months a year.
The breakdown:
- Includes coverage for dependants and families of the subscriber (only the subscriber must be in a crew profession)
- Includes coverage for sailboat racing and alcohol-related injuries
- Includes immediate coverage for pre-existing conditions with proof of previous coverage
- Includes access to the Blue Cross Blue Shield PPO network in the U.S. and lets you choose any healthcare provider outside of the U.S.
- Includes coverage for contraceptives and supplies
- Includes prescription coverage
- Includes coverage for dental and vision if selected
- Includes coverage for medically necessary COVID-19 testing and treatment
- Includes coverage for SCUBA diving up to 20 meters in depth with a diver who is PADI or NAUI certified or with a certified instructor
Under this plan, coverage is primary to protection & indemnity (P&I) insurance. Additionally, the plan boasts no limit on telemedicine services.
To find more details on the plan, read more here, get a quote right away, or talk to a broker.
GeoBlue Navigator for Missionary Plan
The Navigator for Missionary plan by GeoBlue is designed for NGOs, missionaries, and those doing humanitarian work. It includes annual coverage for individuals and families who plan to be away from their home country for a minimum of three months a year.
The breakdown:
- Includes coverage for dependents and families of the subscriber (only the subscriber must be an NGO or part of a charitable organization)
- Includes unlimited annual and lifetime medical maximum
- Includes immediate coverage of pre-existing conditions with proof of previous coverage
- Includes coverage for illnesses and injuries related to terrorism
- Includes access to the Blue Cross Blue Shield PPO network in the U.S. and lets you choose any healthcare provider outside of the U.S.
- Includes prescription coverage
- Includes coverage for dental and vision if selected
- Includes coverage for medically necessary COVID-19 testing and treatment
In the event the policyholder dies, this plan guarantees continuous coverage for his or her spouse and dependents. Additionally, the plan offers no limit on telemedicine services.
To find more details on the plan, read more here, get a quote right away, or talk to a broker.
GeoBlue Employee Group Health Insurance Plans
GeoBlue’s group health insurance plans offer comprehensive medical coverage for six months or more for expats and supplemental medical coverage for short-term travelers. They also have medical coverage for non-U.S. citizens who don’t need the same level of coverage as the typical expat.
To see a breakdown of their employee plans for expats, short-term travelers, and third-country nationals (TCN), check out their GeoBlue page on Group Health Insurance Plans or get professional, no-obligation help from a respected broker.
Why You Should Purchase Travel Insurance
Those who plan to travel should purchase travel insurance for the financial security it provides, to meet visa requirements, or even to prepare for permanent residence in a new country.
Travel Insurance Offers Financial and Medical Security
Travel medical insurance provides medical coverage in case of a medical emergency while you’re abroad. Because most countries do not offer free healthcare to travelers, those without insurance coverage would have to pay for all medical treatment costs out of pocket.
Travel medical insurance like that offered by Geoblue is also best bundled with traditional travel insurance, which provides financial backing for travel-related accidents such as lost luggage, missed flights, trip cancellation, and more.
Common travel insurance coverage includes:
- Lost luggage and personal belongings
- Cancellation (cancel for any reason or general cancellation)
- Trip interruption
- Travel delay
- 24/7 customer service
Travel Insurance Could Help You Meet Visa Requirements
Many countries require visitors who plan to stay long-term (often about 90 days or more) to meet certain visa requirements. One common visa requirement for long-term visitors and those preparing for permanent residence is to show proof of adequate medical insurance, like that offered by GeoBlue.
To best prepare for your time abroad, check out our guide on foreign visitor’s health insurance.
How to Get GeoBlue Travel Insurance
The easiest way to secure the right Geoblue travel insurance for you is to work with a broker. Because brokers can offer unbiased, professional advice, they can help find the plan that is tailored to your needs. Alternatively, travelers can apply online on GeoBlue’s page.
Once a traveler selects their chosen plan, they must:
- Input all necessary contact information
- Verify their travel dates
- Select what primary health plan they already have
- Add all travelers to the plan
- Add optional beneficiaries
- Review the terms of the plan
Frequently Asked Questions
Is GeoBlue travel insurance worth the money?
Travelers from the U.S. looking for exceptional travel medical insurance can’t find better than GeoBlue. Travelers looking for traditional travel insurance benefits, such as lost luggage or missing flight coverage, may consider other providers or bundle their plans.
Does GeoBlue offer coverage in all countries?
GeoBlue does not offer coverage in every country, but they do provide global coverage to expats and travelers in over 190 countries through their extensive medical network.
Do I really need to purchase travel insurance?
Some countries require travel insurance to enter, but it is highly recommended worldwide even when not strictly mandatory. Purchasing travel insurance protects you financially from paying costly medical bills out of pocket and from paying for travel-related mishaps such as lost luggage.
Conclusion
GeoBlue is one of the best international health insurance and travel insurance companies. They have a wide variety of plans, from single-trip plans for the quick vacationer to multi-trip coverage for groups to long-term plans for expats moving to a new country.
GeoBlue’s plans cater to the medical needs of all travelers: individuals, families, groups, crew members, students, teachers, and corporations. No matter which plan you select, you are sure to get the best customer support and healthcare available.
Learn more about GeoBlue so you’re ready for your best trip yet.
We also recommend looking into IMG Globehopper and MSH International since it’s always wise to shop around between companies before you commit. You should compare travel insurance quotes from the best companies out there.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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How does Geoblue travel insurance accommodate coverage for family members who may join you for part of your stay abroad? Are there flexible options for adding or removing dependents during the policy period?
Geoblue travel insurance offers flexible options to accommodate family members during your stay abroad. Plans like the Xplorer Premier and Navigator series allow coverage for dependents and families, with features such as adding or removing dependents if your circumstances change. This flexibility ensures your policy adapts to your needs, whether for short-term visits or longer stays.
For tailored advice or assistance with finding the right Geoblue plan, feel free to contact us through the Pacific Prime contact page.
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