Planning international trips involves many crucial steps, and securing the right travel medical insurance is paramount for peace of mind. For travelers prioritizing health coverage above all else, understanding the nuances of different plans is essential. One traveler’s positive experience with GeoBlue Voyager Choice, underwritten by Blue Cross Blue Shield, sheds light on why it might be considered among the Best Travel Medical Insurance options available.
This traveler, in their 60s, sought a medical insurance plan, distinct from comprehensive “travel” insurance covering trip delays or baggage loss. For approximately $230 for two people, the GeoBlue Voyager Choice plan offered robust coverage, emphasizing medical needs while abroad. A key highlight was the 24/7 global assistance, accessible via toll-free or collect calls, ensuring help is always within reach, regardless of location or time zone.
The Voyager Choice plan distinguishes itself with its inclusive approach to pre-existing conditions. Coverage extends to both medical services and medical evacuation related to pre-existing conditions present before the trip. This feature is particularly crucial for individuals managing ongoing health concerns. The plan accommodates trips up to 182 days and offers a substantial maximum benefit of $1,000,000 per insured person per policy period, with a $0 deductible, simplifying access to care without upfront costs.
The breadth of coverage is impressive. It encompasses 100% coverage for professional services like surgery and in-hospital doctor visits, office visits, inpatient and outpatient hospital services, ambulance services (up to $1,000), and prescription drugs (up to $5,000). Furthermore, it includes dental care due to injury (up to $500), healthcare services for COVID-19, and medical evacuation to the U.S. up to $500,000. Additional benefits like Accidental Death and Dismemberment (AD&D), emergency family travel arrangements, and coverage for hazardous activities (up to $25,000 for skiing and scuba diving incidents) enhance its value. Even lost baggage and trip interruption are addressed, albeit with smaller maximum benefits, demonstrating a well-rounded approach to traveler protection.
For those seeking the best travel medical insurance, the GeoBlue Voyager Choice plan, as highlighted by this user experience, presents a compelling option with its comprehensive medical benefits, pre-existing condition coverage, and global support network. It underscores the importance of focusing on medical needs when selecting travel insurance, ensuring financial and health security while exploring the world.
