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Travel Medical & International Health Insurance

Travel MedicalPlans
International Medical Insurance Plans
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Discover GeoBlue's full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, we've got you covered.
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Destination Health Profiles

Detailed, Country and City Level Information. Discover how we can help, no matter your destination.
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Why Choose GeoBlue

Meet GeoBlue, a better kind of care for world travelers like you. Experience unsurpassed service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone.
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Member Services

Discover GeoBlue's full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, we've got you covered.

Voyager and Trekker Plan Differences for South Dakota Residents*

	Other States	South Dakota Residents
Issued By	4 Ever Life International Limited	4 Ever Life Insurance Company
Insured Maximum Age	95	84
Eligible Dependents	For children under age 6, must be enrolled with a parent, aunt, uncle or grandparent	For children under age 6, must be enrolled with a parent
Baggage & Personal Effects Coverage (Note: this benefit is not included on Trekker Essential)	Maximum benefit of $500 per Trip Period and limited to $100 maximum benefit per bag or Personal Effect	No Coverage
Post Departure Trip Interruption Transportation (Note: this benefit is only included on Voyager plans)Deductible is not applicable. Maximum benefit of $1,000 per Trip PeriodNo Coverage
Post Departure Trip Interruption Quarantine Coverage (Note: this benefit is only included on Voyager plans)	Lodging & Incidentals Maximum benefit of $25/50 per day, up to 10 days	No Coverage
Scuba Diving Coverage	20 meter depth limitation	No depth limitation
Anti-Malarial Drugs Exclusion	Anti-malarial drugs, unless the Covered Person has been diagnosed with malaria	No Exclusion
Accidental Death & Dismemberment (Note: this benefit is not included on Trekker Essential)	The Insurer will pay the benefit stated below if a Covered Person sustains an Injury resulting in any of the losses stated below while covered under this Policy: For loss of: % of Max. Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% One hand and the sight of one eye 100% One foot and the sight of one eye 100% Speech and hearing in both ears 100% One hand or one foot 50% The sight of one eye 50% Speech or hearing in both ears 50% Hearing in one ear 25% Thumb and index finger of same hand 25%	The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained: For loss of: % of Max. Life 100% One hand 50% One foot 50% The sight of one eye 50% If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Maximum. In no event will the Insurer pay more than the Maximum for loss to the Insured Person due to any one Accident.
Exception to Exclusions and Limitations for certain Cancer Drug treatment	Exception Not Present	An exception is made to the Exclusions and Limitations for certain cancer drug treatment. If a drug has not yet received formal FDA approval for use in treating a specific cancer, but is recognized for treatment of that specific cancer in one of the following references, it will be covered; AMA Drug Evaluations, American Hospital Formulary Service Drug Information, U.S. Pharmacopoeia Drug Information, or recommended by review article or editorial comment in a major peer-reviewed professional journal. In addition, a service will not be considered experimental or investigational if it is part of a clinic trial program.

*For more information:

Plan Description for Voyager Choice (South Dakota residents)
Plan Description for Voyager Essential (South Dakota residents)
Plan Description for Trekker Choice (South Dakota residents)
Plan Description for Trekker Essential (South Dakota residents)

Travel Medical Insurance Fast Facts

Travel Medical Insurance Fast Facts

Many global citizens, leisure travelers and business travelers still do not have robust international health insurance protection while overseas. The choices left to you in the absence of a comprehensive travel medical insurance plan might be 1.) Government-sponsored programs (such as Medicare) which categorically do not cover care received in a foreign country or 2.) Employer-sponsored health plans which are limited in their international travel medical insurance and very rarely cover medical evacuation. Under employer-sponsored health plans, even if a sudden onset of illness or injury is covered, the services are usually rendered on a pay-and-claim basis. This leaves travelers caught in unfortunate situations to absorb what could be prohibitively high costs up front, in order to receive vital medical care.

Why is Travel Health Insurance so critical for international travel?

Accessing healthcare in some parts of the world can be tricky. Some hospitals won't provide any treatment—or won't allow a patient to be discharged—until the hospital has received a guarantee of payment. This guarantee is essentially what allows direct billing between the healthcare provider and the insurance company. Such guarantees are commonly provided by the travel medical insurance provider (in conjunction with assistance providers) but rarely by other types of insurance Without a travel medical plan, you'll have to pay in advance, perhaps as much as tens of thousands of dollars, with your credit card. Of course, for this to work the hospital must accept foreign credit cards and you must have a sufficient credit limit.

In addition, traveling for medical attention—either to a place with higher quality medical care or to return home where your regular insurance is accepted—can be difficult. Medical evacuations are often too complicated to arrange yourself; in addition to finding a receiving facility, you also need to ensure you are working with a trusted transportation provider. The solution? Most travel medical insurance includes a medical assistance benefit, which is critical. It gives you a vital lifeline in the form of 24/7/365 access to a company that will assure that you're getting appropriate treatment locally, or if necessary arrange an evacuation for you with a creditable evacuation company. The assistance company will also be available to help with other travel related problems such as legal troubles, lost passports or credit cards, etc. Emergencies are rare but everyone should have a contingency plan. Your travel health insurance plan can also come in handy when it comes to paying for a medical evacuation, which are at times accompanied by a six-figure price tag.

Assess Your Personal Health Plan

If you have health insurance in the U.S., the first step is to check with your insurance company to establish what kind of coverage you have. You should make sure your plan includes benefits for medical expenses incurred internationally, if medical evacuations are covered and the extent of that coverage. If you have difficulty getting a straight answer, that alone should be a warning. 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.

Main Types of Coverage to Consider

Health/accident insurance. Typically referred to as travel health insurance, these polices pay for doctor and hospital bills, and sometimes dental care and medications. These plans can be written for short trips (1 day - 6 months) and will supplement Medicare or a managed care plan. International health insurance can also be purchased as primary insurance for expats or someone relocating to another country for an extended period of time (6 months or longer). These plans are comprehensive and include added features such as preventive services, acupuncture, chiropractic care, maternity benefits and more.

Medical Evacuation. Evacuations can be expensive (as much as $100,000 or more from a remote location). In addition to the coverage, you'll want assistance arranging an evacuation. All of GeoBlue’s products offer coverage for medical evacuation.