Benefits and Coverage – Geo Blue Voyager
An overview of plan benefits, limits, and deductibles.
|Medical Limits and Deductibles|
|Maximum Benefit per Insured Person per policy period||Options include $50,000; $100,000; $500,000; $1,000,000|
|Deductible per Insured Person per policy period||Options include $0; $100; $250; $500|
|Benefits are paid for Covered Expenses as follows up to the Medical Limit:|
|Inpatient & Outpatient Benefits||Insurer Pays After Deductible is Met:|
|a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab||100%|
|b. Office Visits: including X-rays and lab work billed by the attending physician.||100%|
|Inpatient Hospital Services:|
|a. Surgery, X-rays, In-hospital doctor visits||100%|
|b. In-patient medical emergency||100%|
|Ambulatory Surgical Center||100%|
|Ambulance Service ( non Medical Evacuation )||100% up to $1000|
|Complications of Pregnancy||Complications of Pregnancy are covered under this Plan as any other medical condition. Benefits for complications of pregnancy shall be provided for all Insured Persons.|
|Prescriptions, DentalCare, and Physical Therapy||Insurer Pays After Deductible is Met:|
|Outside the U.S. Outpatient prescription drugs||100% of Covered Expenses up to $5,000|
|Dental Care required due to an Injury||100% of Reasonable Charges with a maximum benefit of $500 per Trip Period|
|Dental Care for Relief of Pain||100% of Reasonable Charges with a maximum benefit of $250 per Trip Period|
|Physical and Occupational Therapy||6 visits per Period of Insurance. $100 Maximum payment per visit.|
|Travel Assistance Benefits||Insurer Waives Deductible|
|Accidental Death and Dismemberment||Maximum Benefit Principal Sum up to $50,000|
|Repatriation Of Remains||Maximum Benefit up to $25,000|
|Medical Evacuation||Maximum Benefit per Trip Period for all Evacuations up to $500,000|
|Bedside Visit||Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person|
|Hazardous Activities||Insurer Pays After Deductible is Met:|
|Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor).||Maximum Benefit up to $10,000|
Mental Health and Substance Abuse are covered up to policy max as any other benefit.
Services Provided in Addition to the Benefits Above
Travel Reimbursement Services
All participants covered by this insurance plan are enrolled in the Global Citizens Associations whose members are entitled (subject to submission of the proper documentation) to a total of a $500 allowance, and limited to $100 per incident, to cover costs associated with each of the following incidents:
- Re-issuing a lost passport
- Re-issuing a lost airline ticket
- Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.
All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).
* Threat must be documented by U.S. State Department travel warning that is issued during your trip
24 Hour / 7 Day Global Medical Assistance
Available to U.S. residents, age 84 or younger, who live in approved states.
Participant must be enrolled in a primary health plan. There is no pre-existing condition exclusion.
This is a non-renewable plan. Subsequent periods of insurance can be purchased, in which case a new Deductible, and Medical Limit would apply.
For more information about the benefits, including information about exclusions, limitations and State to State variation in benefits, see the Plan Description.
PLEASE NOTE: You can only purchase the policy prior to departing on your trip. Exceptions to this rule: if you have purchased a policy prior to departure and would like to extend the current plan (allowable up to 180 days). After 180 days of coverage, members are permitted to enroll one time in a subsequent policy. N.B. If you enroll in a subsequent policy, a new deductible and medical limit will apply. After 360 days, members are not eligible to buy another plan for the same trip.
Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our GeoBlue Travel Insurance Voyager Product, simply return your Certificate of Insurance and your ID Card to GeoBlue within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip before the date of your letter, you will receive a full refund.
GeoBlue International Insurance is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.