Finding the Best Travel Health Insurance can feel overwhelming, especially when you just want straightforward medical coverage without the extra frills. Like many travelers, I recently navigated this process and wanted to share my positive experience with a plan that truly stood out for its comprehensive benefits and ease of use.
Why GeoBlue Voyager Choice Might Be Your Ideal Travel Health Insurance
For my travel needs, focusing solely on health coverage was key – skipping the baggage delay and trip interruption aspects of typical “travel insurance”. After researching various options, the GeoBlue Voyager Choice plan, underwritten by Blue Cross Blue Shield, emerged as an exceptional choice. For two people in their 60s, the cost was remarkably reasonable at just $230.
What truly impressed me about the Voyager Choice plan is the breadth of its coverage. It offers peace of mind with features like:
Key Coverage Highlights of GeoBlue Voyager Choice:
- Worldwide Assistance: 24/7/365 toll-free or collect call assistance, no matter where you are in the world.
- Pre-existing Conditions Covered: Crucially, it covers pre-existing conditions present before your trip, including both medical services and medical evacuation. This is a significant benefit and a major relief for travelers with ongoing health concerns. Note that a primary health plan is required to be eligible for this coverage.
- Extended Trip Length: Coverage for trips up to 182 days, perfect for longer vacations or extended stays abroad.
- High Maximum Benefit: A generous maximum benefit of $1,000,000 per insured person per policy period ensures you’re well-protected against significant medical expenses.
- No Deductible: A $0 deductible per person per policy period means you won’t have out-of-pocket expenses before your coverage kicks in.
- Comprehensive Medical Services: The plan covers 100% for a wide range of professional and inpatient services, including surgery, anesthesia, in-hospital doctor visits, diagnostic X-rays and lab work, office visits (including related X-rays and labs), inpatient hospital services, emergency care, and ambulatory surgical center services.
- Ambulance and Prescription Coverage: 100% coverage for ambulance services (up to $1,000) and prescription drugs (up to $5,000).
- Therapy and Dental: Includes coverage for physical and occupational therapy (6 visits) and dental care due to injury (up to $500).
- COVID-19 Coverage: Healthcare services for testing, diagnosing, and treating COVID-19 are included.
- Emergency Medical Evacuation: Medical evacuation to the U.S. up to $500,000, a critical benefit for serious medical situations abroad.
- Additional Benefits: Accidental Death and Dismemberment (AD&D) coverage, emergency family travel arrangements, coverage for hazardous activities (like skiing and scuba diving up to $25,000), lost baggage coverage (up to $500), trip interruption transportation (up to $1,000), and repatriation of remains (up to $25,000).
Conclusion: Peace of Mind with GeoBlue Voyager Choice
For travelers prioritizing comprehensive medical coverage and seeking the best travel health insurance without unnecessary extras, the GeoBlue Voyager Choice plan is an excellent option. Its extensive benefits, including pre-existing condition coverage and high maximum limits, provide invaluable peace of mind while exploring the world. If you’re looking for reliable and robust health protection for your travels, I highly recommend considering GeoBlue Voyager Choice.
