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Geo Blue Trekker Essential and Choice Travel Multi-Trip Medical Plans for Trips Outside the USA

Click here for the Geo-Blue Voyager Single-Trip plans

Multi Trip Travel Medical & International Health Insurance

(Not available to residents of MD, NY and WA)

If you have Geo Blue, your claims are paid directly when you use a medical provider in their network of Foreign Country Providers. Geo Blue has contracted to accept assignment of claims and direct payments instead of you paying the Foreign Country Provider and submitting a claim for reimbursement.

Trekker Essential

  • Multi-Trip annual travel medical coverage
  • Primary health coverage is required*
  • Coverage for pre-existing conditions
  • 24/7 emergency assistance
  • Age 95 is maximum allowed age
  • 70 days is the maximum covered trip length. There is no coverage for any part of the trip if it’s longer than 70 days.
  • Get a GeoBlue Trekker quote and order safely online

Click here to see more benefits

Trekker Choice

  • Multi-Trip annual travel medical coverage
  • Higher limits of coverage than Trekker Essential
  • Primary health coverage is required*
  • Coverage for pre-existing conditions
  • 24/7 emergency assistance
  • Age 95 is maximum allowed age
  • 70 days is the maximum covered trip length. There is no coverage for any part of the trip if it’s longer than 70 days.
  • Get a GeoBlue Trekker quote and order safely online

Click here to see more benefits

Annual Prices

Up to Age 50: $125 (one person), $206 (two people) and $356 (three people).

Ages 51 – 66: $151 (one person), $250 (two people) and $394 (three people).

Ages 67 – 84: $188 (one person), $294 (two people) and $462 (three people).

Ages 85 – 95: $238 (one person), $371 (two people) and $580 (three people).

Annual Prices

Up to Age 50: $175 (one person), $295 (two people) and $505 (three people).

Ages 51 – 66: $220 (one person), $390 (two people) and $600 (three people).

Ages 67 – 84: $265 (one person), $460 (two people) and $715 (three people).

Ages 85 – 95: $330 (one person), $575 (two people) and $895 (three people).

Trekker Eligibility Requirements

  • Home Country is the U.S.; and
  • You must be under Age 96 and;
  • Enrolled in a Primary Plan* and;
  • For Children under age 6, must be enrolled with a parent and;
  • Initial purchase must be made in the USA at least one day prior to departing on your trip:

Family Members included in your GeoBlue Trekker Choice Plan (if applicable) must be:

  • Your spouse; civil union partner or domestic partner age 95 or younger, and/or your eligible child(ren) or other eligible dependent(s) — see the Eligible Dependents list below.
  • Resident(s) of the United States except MD, NY and WA

The term primary care means that the Insured Participant provides food, clothing and shelter on a regular and continuous basis.

A person may not be an Insured Dependent for more than one Insured Participant.

If an insured reaches age 96, the policy is cancelled and a pro-rated refund is given.

Note: For existing and/or prospective members, injuries and Illnesses resulting from Terrorism and pandemics are covered as any other Injury or Illness provided all of the following conditions are met:

  1. The Covered Person had no direct or indirect involvement in the Terrorist Activity;
  2. The Covered Person has not unreasonably failed or refused to depart a country or location or is traveling to a country or location following the date a warning to leave or avoid travel to that country or location is issued by the United States government.

*Coronavirus disease (COVID-19) and Severe Acute Respiratory Syndrome coronavirus 2 (SARS-CoV-2) are not subject to the above exception and are covered as any other Injury or Illness. Medical Expenses associated with asymptomatic testing or expenses for quarantining (confinement outside of a hospital setting) are not covered under this Plan.

Q. I have a Voyager/Trekker medical travel plan. Am I covered for medical transport/medical evacuation if I have COVID-19?

A. You are not excluded from transport if you have COVID-19. If your request for transport is because of COVID-19, the decision to transport is based on medical necessity.

* A Primary Plan is a Group Health Benefit Plan, an individual health benefit plan, or certain governmental health plan (including Medicare Supplements and Medicare Advantage plans) designed to be the first payor of claims for an Insured Person prior to the responsibility of this Plan. Medicaid and Veterans Administration health benefit plans are not considered a primary plan under this policy. Most Tricare plans are a Primary health insurance plan. Click here to see the list of eligible plans.

GeoBlue Trekker Essential and Choice Descriptions of Coverage:

GeoBlue Trekker Essential Description of Coverage GeoBlue Trekker Choice Description of Coverage
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired GeoBlue Trekker Essential or Choice Certificate of Coverage. You can view or download Geo Blue Trekker’s Certificates with the free Adobe Acrobat Reader.

The Geo Blue Trekker Essential & Trekker Choice Multi-Trip Travel Medical Plans Cover:

Plan Name and Secure online order form link (you don’t pay extra fees using us) Geo Blue Trekker Essential Geo Blue Trekker Choice
Duration of Benefits and Services Multi Trip means each trip’s length must be less than 71 days duration in the 12 month contract period. Coverage starts on the first day of any trip and continues for a maximum of the first 70 consecutive days of such trip. There is no coverage for any part of the trip if it’s longer than 70 days.
Availability All U.S. States except MD, NY and WA

Insurance Coverage

Maximum International Medical Coverage Limits $500,000 ($100,000 if age 70-95) $1,000,000 ($100,000 if age 70-95)
Why You Don’t Need More than $100,000 Medical Coverage Outside the USA
Coinsurance Level 100% of Reasonable Charges
Maximum Emergency Medical Evacuation Coverage $250,000 $500,000
Maximum Accidental Death & Dismemberment Coverage $0 $25,000
Maximum Repatriation of Remains Coverage $15,000 $25,000
Outpatient Prescription Drug Reimbursement Outside US: Yes – 100% up to $2,500 Outside US: Yes – 100% up to $5,000
Dental Care for Relief of Pain 100% of Covered Expenses up to $100 max per Trip Period and $100 per tooth 100% of Covered Expenses up to $100 max per Trip Period and $100 per tooth
Lost Baggage & Personal Effects Coverage N/A Maximum benefit of $500 per Trip Period and limited to $100 maximum benefit per bag or Personal Effect(s)
Pre-existing Conditions Covered Yes
Primary Health Plan Required Yes
Coverage for Non-Emergency Medical Care Yes
Coverage for Emergency Medical Care Yes
Deductible
Deductible is waived if services are provided by a GeoBlue contracted provider
$200 $100
Details, Exclusions and Limitations Plan Description Plan Description

Global Health and Safety Resources

Doctor Search Yes
Destination Health and Security Information Yes
GeoBlue Drug Translation Guide Yes
Medical Term and Phrase Translation Databases Yes
Health and Security News Alerts Yes

Additional Benefits

Toll Free Telephone Access to All Services Yes
24 hours / 7 days Global Medical Assistance Yes
Cancellation of this Policy Any date prior to Your Effective Date of Coverage, You may request a full refund of premium from Geo Blue.
Secure online order form link (you don’t pay extra fees using us) Geo Blue Trekker Essential Geo Blue Trekker Choice

Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.

Use the GeoBlue Trekker quote tool on this page to figure out the prices. You may buy from the quote, too.

Medical Insurance Important Information

If you have individual or group medical insurance it will have deductibles and copays when you are out of network (out of the USA is out of network). And, did you know that Medicare doesn’t cover you outside the USA? If you get hurt (ie – hit by a cement truck) or sick on your trip and you don’t want to pay everything out of pocket yourself, you will need Travel Insurance.

Plus, Medical Evacuations are expensive. The GeoBlue Trekker includes coverage and assistance for medical evacuation.

Eligible Dependents

An Eligible Dependent means a person who is the Eligible Participant’s:

  1. spouse; civil union partner, or domestic partner;
  2. natural child, stepchild or legally adopted child who has not yet reached age 26;
  3. own or spouse’s, civil union partner’s or domestic partner’s own child, of any age, enrolled prior to age 26, who is incapable of self support due to continuing mental retardation or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child’s 26thbirthday and annually thereafter;
  4. For a person who becomes an Eligible Dependent (as described below) after the date the Eligible Participant’s coverage begins, coverage for the Eligible Dependent will become effective in accordance with the following provisions:
    1. Newborn Children: Coverage will be automatic for the first 31 days following the birth of an Insured Participant’s Newborn Child. To continue coverage beyond 31 days, the Newborn child must be enrolled within 31 days of birth.
    2. Adopted Children: An Insured Participant’s adopted child is automatically covered for Illness or Injury for 31 days from either date of placement of the child in the home, or the date of the final decree of adoption, whichever is earlier. To continue coverage beyond 31 days, as Insured Participant must enroll the adopted child within 31 days either from the date of placement or the final decree of adoption.
    3. Court Ordered Coverage for a Dependent: If a court has ordered an Insured Participant to provide coverage for an Eligible Dependent who is spouse, civil union partner, domestic partner or minor child, coverage will be automatic for the first 31 days following the date which the court order is issued. To continue coverage beyond 31 days, and Insured Participant must enroll the Eligible Dependent within that 31 day period;
  5. grandchild, niece or nephew who otherwise qualifies as a dependent child, if: (i) the child is under the primary care of the Insured Participant; and (ii) the legal guardian of the child, if other than the Insured Participant, is not covered by an accident or sickness policy.

The term primary care means that the Insured Participant provides food, clothing and shelter on a regular and continuous basis.

A person may not be an Insured Dependent for more than one Insured Participant.


Any of these TriCare plans are considered primary coverage because they meet the minimal essential coverage requirements of the ACA: (minimum requirements for primary health with GeoBlue: min 50K medical limit and ability to consider international claims): TRICARE Prime, TRICARE Prime Remote, TRICARE Prime Overseas, TRICARE Prime Remote Overseas, TRICARE Select, TRICARE Select Overseas, TRICARE For Life, TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult, TRICARE Young Adult Select, Continued Health Care Benefit Program, Transitional Assistance Management Program, US Family Health Plan.

GeoBlue is a trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association.

Click here to get a GeoBlue Trekker prices. You may buy from the quote, too.


Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Kim or Steve at 888-407-3854 or 507-214-3854.

PS - Read Steve's Blog or you may Subscribe to Steve's blog here

PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.

PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.

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