Travel Insurance
Healthy, Safe Travel

Travel Insurance 411

Travel InsuranceA record number of Americans traveled abroad in 2016 for leisure, business, study abroad and missionary work-to the tune of 67 million.  Given recent epidemics, natural disasters and security threats around the world-coupled with your run-of-the-mill medical issues- travelers have more reason than ever to ensure their health and safety are fully insured prior to embarking on their trips.  Americans are dedicating more and more time to preparing for their trips and researching the coverage options available to them, and with good reason.

 

Why has Travel Medical Insurance Increased in Popularity?

Americans have in part become more discerning shoppers when it comes to travel medical insurance, because of the limitations placed on their coverage by their existing insurance plans once they step outside of the U.S.  A savvy traveler will be well aware that care offered in many remote or underdeveloped areas is just not medically adequate for treating certain life or limb-threatening conditions or injuries.  Suppose you need an evacuation to a higher standard of care; most primary domestic insurances will not take on these costs or even assist with the arrangements.  This is a big gap you most likely have in your primary policy, and one that shouldn’t be left to chance.

What will a Good Travel Insurance Policy Do for You?

Medical travel insurance policies are designed to pick up where your primary domestic health plan leaves off, and ll in these gaps.  The most comprehensive plans will include coverage for big-ticket items such as hospitalizations, surgeries and medically necessary evacuations as well as more basic services like physician of ce visits, ambulance services, prescription medication and more.  The premier plans will also include benefits for injury or sickness due to terrorist events and treatment related to preexisting conditions.  The seamless billing between the healthcare provider and insurer that these policies offer affords incredible peace of mind to travelers who have historically had to absorb high medical costs and then claim the expenses for reimbursement.  Those planning on using credit cards in case of an emergency should be aware that some providers overseas won’t be able to accept your card.

Global Provider Networks

What good is insurance if you can’t find a doctor you can trust?  The best plans give you access and direct pay to the best providers and are rich with primary and specialist resources, regardless of how remote your location may be.  In addition, providers are selected based on their medical credentials, language profciency and more.  Always ask the insurer what their vetting process entails and the certifcations necessary for induction into their physician network.

Richer Benefits

For broader and deeper coverage, with fewer surprises at the time of claim, make sure to inquire on whether your coverage includes:

  • Pre-existing conditions covered to policy limit
  • Terrorism covered with no excluded countries
  • Cashless access to profiles physicians and hospitals in 180 countries
  • Coverage for medical evacuation

Healthy, Safe Travel

Enjoy peace of mind with a well-built travel medical insurance plan that allows you to keep your focus on your work, studies, missions or just having fun visiting a new destination.  As with anything in life that requires preparation, make sure to do your homework: read the ne print rather than scanning a benefit schedule and ask the important questions.  A good idea is to request a sample policy from your broker or insurance so that you can get a complete picture of what you are purchasing.

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Plan Overview - GeoBlue Long Term Medical Travel Insurance Plans.

Long Term Expatriate Travel Insurance

Our Long Term comprehensive Medical Travel Insurance coverage options are listed below. All these plans provide 6 – 12 months of comprehensive coverage:

  • GeoBlue Xplorer Premier: Coverage area inside and outside the U.S.  Applicants must be working/living outside his or her home country for at least 3 months per plan year. Also available to international employees of U.S. companies whereby the company is located in the U.S. and pays the premium.
  • GeoBlue Xplorer Essential: Coverage area outside the U.S. only.  Applicants must be working/living outside his or her home country for at least 3 months per plan year. Available to international employees of U.S. companies whereby the company is located in the U.S. and pays the premium.
  • GeoBlue Xplorer Select: Coverage area outside the U.S. only.  Applicants must be working/living outside his or her home country for at least 3 months per plan year. Applicants must maintain primary health plan inside the U.S. for duration of coverage. Also available to international employees of U.S. companies whereby the company is located in the U.S. and pays the premium.
  • GeoBlue Navigator Education: Coverage area inside and outside the U.S.  Applicant must be student or faculty member living outside his or her home country for educational purposes for at least 3 months per calendar year.
  • GeoBlue Navigator Maritime: Coverage area inside and outside the U.S.  Applicant must be a maritime crew member outside his or her home country for at least 3 months per plan year.
  • GeoBlue Navigator Missionary: Coverage area inside and outside the U.S. Applicant must be a missionary outside his or her home country for at least 3 months per plan year.

Plan Overview - GeoBlue Short Term Medical Travel Insurance Plans.

Short Term Travel Insurance

Our Short Term Medical Travel Insurance coverage options are listed below. These plans provide accident and sickness coverage to legal residents of the U.S. who are traveling outside the U.S. Enrollees must be inside the U.S. at the time of purchase.

  • GeoBlue Voyager Choice: Coverage area outside the U.S.  Travelers must list their legal U.S. residential address during enrollment.  A primary U.S. health plan is required*.  Pre-existing conditions are covered subject to plan terms. Initial purchase may last up to 180 days.  We allow Voyager plan members to re-enroll into their plan for up to another 180 days when they are already outside the U.S.  This is a one-time courtesy exception.  Group enrollment option available for 5 or more travelers at a 10% discount.
  • GeoBlue Voyager Essential: Coverage area outside the U.S.  Travelers must list their legal U.S. residential address during enrollment.  Pre-existing conditions are not covered.  Initial purchase may last up to 180 days.  We allow Voyager plan members to re-enroll into their plan for up to another 180 days when they are already outside the U.S.  This is a one- time courtesy exception.  Group enrollment option available for 5 or more travelers at a 10% discount.
  • GeoBlue Trekker Choice: Coverage area outside the U.S.  Travelers must list their legal U.S. residential address during enrollment.  A primary U.S. health plan is required*.  Pre-existing conditions are covered subject to plan terms. This plan provides annual coverage for an unlimited amount of trips outside the U.S. – each trip is covered under the plan for up to 70 days.  $50 deductible and $250,000 medical limit.  For Individuals aged 70-84, the Maximum Medical Bene t for GeoBlue Trekker Choice is $100,000.
  • GeoBlue Trekker Essential: Coverage area outside the U.S.  Travelers must list their legal U.S. residential address during enrollment.  A primary U.S. health plan is required*.  Pre-existing conditions are covered subject to plan terms.  This plan provides annual coverage for an unlimited amount of trips outside the U.S. – each trip is covered under the plan for up to 70 days. $50 deductible and $50,000 medical limit.

* Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan.

Why do we use only GeoBlue?

Watch Jim's story and hear how GeoBlue simplified the international healthcare experience for him and made it easier to focus on his recovery without the worry of medical bills or hassles.

As this testimonial demonstrates, having the right insurance before you travel is a smart decision and having GeoBlue is an even smarter decision. Healthy Colorado Insurance strives to use the best options for all our clients and that's why we only offer GeoBlue for Travel Health Insurance.

Get more details on plan options about GeoBlue products by clicking the Button below.

 

Ready to learn more? Contact us today for a free quote!

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