Geoblue Voyager Choice Travel Insurance
GeoBlue Voyager Choice travel insurance plan is another one of our first-class overseas travel insurance plans Good Neighbor Insurance provides to our clients. The GeoBlue Voyager Choice and her sister plan, the GeoBlue Voyager Essential are single trip international medical insurance benefits that are imperative to have when on your overseas adventures. GeoBlue is a leader in international health insurance world and GeoBlue is ideal for travelers searching for health insurance and emergency medical services when traveling abroad. This is a good all-around travel medical insurance plan that gives the traveler a lot of choice in how much they want to spend for their coverage.
Here are some key highlights of the GeoBlue Voyager Choice and the GeoBlue Voyager Essential travel insurance cover:
- For international leisure, educational, missionary and business travel
- For trips up to 6 months
- For ages 84 or younger
- Coverage for pre-existing conditions
- Requires a U.S. domestic ACA (affordable care) health plan for those under 65 years young or those amazing baby boomers who are on the Medicare Part A, B, and C plans.
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Voyager Essential
Voyager Choice
Maximum international medical coverage limits
$50,000, $100,000, $500,000, $1,000,000
$50,000, $100,000, $500,000, $1,000,000
Coinsurance level
100% of reasonable charges
100% of reasonable charges
Maximum emergency medical evacuation
$500,000
$500,000
Maximum accidental death and dismemberment
$25,000
$50,000
Maximum repatriation of remains
$25,000
$25,000
Outpatient prescription drug reimbursement
Outside US: Yes 50% up to $5,000
Outside US: Yes 100% up to $5,000
Pre-existing conditions
180 day exclusion
Yes
Primary health plan required
No
Yes
Non-emergency medical care
Yes
Yes
Emergency medical care
Yes
Yes
Deductible
Zero, $100, $250, $500 per person per policy period
Zero, $100, $250, $500 per person per policy perio
Here are a few limitations on the GeoBlue Voyager Choice international travel insurance plan:
- A primary health plan is required for this insurance.
- Medical benefits for downhill skiing and SCUBA diving are limited to a maximum of $10,000.
- Pre-existing conditions included with a 180-day exclusion.
To get a stronger sports travel insurance plan please go to these two web sites:
- https://www.
adventuresportsinsurance.com/ - https://www.gninsurance.com/
adventure-extreme-sports- health-insurance/
Here is additional information on the GeoBlue Voyager Choice overseas travel medical insurance which you may also find more information here at https://www.socialgoodinsurance.com/short-term-plans/
- AM Best Rating:
- Underwritten by: 4 Ever Life Insurance Company
- AM Best’s Rating of: A- (Excellent)
- Effective as of: 05/10/2013
- Verify Rating at: www.ambest.com
- U.S. licensed and regulated.
- Medical, Evacuation, Mental Health, RX, AD&D.
- No hospital pre-certification penalty.
Q: Why has Travel Medical Insurance Increased in Popularity?
A: Although health and safety concerns have contributed, strong growth is tied to greater consumer awareness. The simple fact is that existing health insurance plans are inadequate when taken across U.S. borders because they strictly limited overseas benefits. In addition, most health insurers will refuse to pay to get you to a higher standard of care should you need to be evacuated due to a medical emergency. Savvy travelers are aware of these limitations and are not leaving anything to chance.
Q: What will a Good Travel Medical Policy Do for You?
A: Travel medical insurance policies are designed to pick up where your primary health plan leaves off. If you do not have health coverage, these plans act as primary insurance while abroad. The best designed plans offer more than emergency benefits. They cover big ticket items such hospitalization and surgeries but will also pick up the tab on physician office visits, ambulance services, prescription medications and more. The premier plans make it a point to cover sickness or injury due to a terrorist event or a pre-existing medical condition. Critically, some policies will pay medical providers overseas on a direct basis so you can avoid hassles and red tape.
Q: Admitted Coverage versus Non-Admitted Coverage?
A: Travelers need to understand that there can be big differences in their coverage rights when they buy travel medical insurance. Some plans are licensed and regulated in the U.S. while others sit offshore: beyond the reach of your local Department of Insurance. U.S. licensed and approved plans are called admitted Insurance.
- Comparing admitted to non-admitted policies is truly an apples and oranges comparison. They are built very differently with important implications for the policyholder. Your personal health and financial security could hang in the balance.
- Admitted Health Insurance Advantages Include:
- Consumer Protection
- You are protected under U.S. insurance laws and oversight. U.S laws are strict and favor health care consumers. Policy language must be fair and meet the plain English definition. Policy wording, plan definitions, exclusions, claims turnaround times, formal appeals process etc. all must meet regulatory muster.
- Global Provider Networks – What good is insurance if you can’t find a doctor you trust? The best plans give you access to the best providers. They set up providers to bill the insurance company directly. In addition, providers are selected based on their medical credentials, language proficiency and more. Always ask the insurer what their credentialing process entails.
- Richer Benefits – Admitted benefits tend to be broader and deeper with fewer surprises at time of claim. The major differences between an admitted policy and a popular non admitted policy are illustrated through these coverages offered by admitted plans only.
- Conforms to U.S. health insurance laws – Pre-existing conditions covered to policy limit*
- Terrorism covered with no excluded countries
- Cashless access to profiles physicians and hospitals in 180 countries
- Pre-existing conditions coverage may be subject to current enrollment in a primary health plan.
Please call one of our licensed agents at Good Neighbor Insurance at 866-636-9100 or locally here in Arizona at 480-633-9500 with any questions. You may also reach us via email at [email protected]. Our Social Good web site is here at https://www.
