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GeoBlue Voyager Choice Insurance Reviews

GeoBlue Voyager Choice Insurance Cost

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GeoBlue Travel Insurance Plans

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association.

GeoBlue offers international travel insurance and Expat insurance products that can provide financial security to international travelers and expats living or traveling outside the US by providing access to an elite network of healthcare providers, innovative mobile and online tools, the convenience of telemedicine tools and exceptional customer service.

Voyager Choice insurance

  • Coverage of COVID-19 testing and treatment.
  • Covers pre-existing conditions for medical services and medical evacuation.
  • It is eligible applicant's home country must be the US, applicant's age must be under 95 years.
  • Travelers enrolled in a primary plan are eligible.
View complete details of benefits

GeoBlue Voyager Choice Review

Policy maximum
$50k $100k $500k $1M
Deductible options
$0 $100 $250 $500
Insurance provider
Geoblue
Plan life
Upto 180 days
Voyager Choice insurance Underwriter
GeoBlue Voyager Choice is underwritten by 4 Ever Life
Voyager Choice insurance rating
AM Best Rating: "A-" (Excellent)

Voyager Choice Insurance Information

  • Voyager Choice Insurance Advantages

    • Ideal for international leisure, missionary or business travel
    • Available for Students or teachers going abroad for a semester
    • Coverage up to age 95
    • Covers pre-existing conditions for medical services and medical evacuation, for individuals with a current U.S. health plan.
    • Complications of Pregnancy are covered under this plan as any other medical condition
  • Voyager Choice Insurance Disadvantages

    • Requires a primary health plan
    • This plan is only available for U.S citizens

Voyager Choice Insurance, Voyager Travel insurance reviews – FAQ

01. Are Geo Blue Travel insurers a reliable insurance company?

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association.Geo Blue travel insurance for more than 20 years have assisted globally in the complications of international healthcare and provide confidence for its members to travel safe and peacefully. The travel insurance solutions provided by Geo Blue provide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.

02. Is there coverage for Covid-19 illness in Geo Blue travel insurance?

GeoBlue Voyager plan covers COVID-19 as a covered illness up to age 95.The essential treatment is covered however there may be policy deductible applicable.

03. Is Geo Blue Travel insurers a good company?

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue provides easy access and peace of mind to travelers and expats living around the globe. Their elite network of providers, innovative online tools, telemedicine tools and exceptional customer service set completely different standards for a full, reliable, suitable protection of your health and safety in the global community.

04. What cover does a Geo Blue Travel insurer offer in Covid travel insurance? Does it have Quarantine coverage for US travelers?

Geo Blue provides coverage for Covid-19 as a new sickness in their Covid travel insurance covers. They have various travel insurance plans for Short-term travelers, multi trip travelers, student plans and long term insurance plans with coronavirus coverage. No, coverage for quarantine is not available with the Geo Blue travel insurance plans.

05. Why should I buy travel insurance from Geo Blue Travel insurers?

GeoBlue is a self-governing licensee of the Blue Cross Blue Shield Association who offer borderless access with a premium quality healthcare system with high-tech service for all travelers to feel secure while traveling around the world. Travelers can be rest assured that their travel requirements will be covered for a safe trip.

06. Who can buy Voyager Choice plan?

  • Leisure traveler
  • Missionary traveler
  • Senior traveler
  • Study abroad
  • Teach abroad
  • Employers, church and missionary organizations
  • Universities/colleges
  • Embassies, expatriate websites, Chambers of Commerce
  • Exchange programs, study abroad programs, associations

07. What are the key highlights of Voyager Choice insurance?

Following are some of the key benefits of buying Voyager Choice short term travel health insurance

  • $1 Million limit
  • Covers expenses from Illness and accident
  • Emergency medical transportation
  • Lost luggage and post departure trip interruption coverage
  • Supplemental coverage

08. How GeoBlue Voyager Choice insurance plan works?

  • Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
  • Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history. Welcome materials are sent electronically and via mail.
  • Members are invited to register on the website, mobile site or app.
  • Coverage can be renewed at the consent of the member and the insurer.

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GeoBlue Voyager Choice Pre-existing condition coverage for US residents

The GeoBlue Voyager Choice plan is unique in offering coverage for not only "acute onset" of pre-existing medical conditions, but also coverage for necessary expenses for a pre-existing conditions. It provide coverage for pre-existing conditions for emergency medical transportation. Pre-existing conditions are also covered for medical services by the Choice plan. To be eligible for the plan, you must be a US resident, have a primary health plan, and under age 85. You must purchase the plan before your trip starts. The plan has an unlimited maximum for medical coverage, but there are limitations on coverage for skiing and scuba accidents, and dental coverage. The Choice plan covers 100% of outpatient prescription drugs.

A working example of using Voyager Choice*

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Your claims for medical expenses is $18,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $18,100 minus $100 equals $18,000. Insured bears $100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Surgery $16,500 $16,500 $0
X Ray $1500 $1500 $0
Total $18,100 $18,000 $100
* Disclaimer
We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

What are some insurance terms important in Voyager Choice reviews?

  • Plan Maximum coverage of Voyager Choice travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Voyager Choice insurance offers lifetime maximum limit options are $50,000; $100,000; $500,000 and $1,000,000
  • What is a deductible in Voyager Choice visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Voyager Choice insurance has deductible option from $0; $100; $250 and $500
  • What is a provider network of Voyager Choice Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Voyager Choice Travel health insurance
    Voyager Choice Insurance can be renewed Upto 180 days.
  • Eligibility to buy Voyager Choice Insurance Online
    It is eligible for applicant's home country must be the US, applicant's age must be under 95 years and travelers enrolled in a primary plan are eligible.

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

GeoBlue resourceful travel insurance Links