GeoBlue Travel Insurance Review: Is it Worth the Cost?

While it is strong on medical coverage — including hazardous activities and quarantine — GeoBlue falls short in other areas.
Carissa Rawson
By Carissa Rawson 
Published
Edited by Meg Lee

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GeoBlue

Compare Rates
at Squaremouth

Pros

  • Flexible deductible options.
  • Wide ranging medical coverage.
  • Low prices for medical only needs.

Cons

  • Lacks in traditional travel insurance coverage options such as trip Interruption, bag delays, etc.
  • Better when paired with travel credit card insurance coverage.
insurance-product-card-logo
Compare Rates
at Squaremouth

GeoBlue

Pros

  • Flexible deductible options.
  • Wide ranging medical coverage.
  • Low prices for medical only needs.

Cons

  • Lacks in traditional travel insurance coverage options such as trip Interruption, bag delays, etc.
  • Better when paired with travel credit card insurance coverage.

If you’re going on a trip soon, you may be wondering whether to invest in travel insurance. This type of insurance can offer protection in the event that you fall ill, your plans change unexpectedly or you experience unavoidable delays.

GeoBlue is one insurance provider offering plans to travelers, with a number of plans available based on your needs. Here's a review of GeoBlue travel insurance, including the options offered and how to choose your plan.

What does GeoBlue travel insurance offer?

GeoBlue insurance offers two different plans for travelers, though it focuses mainly on medical coverage. These plans are called Voyager Essential and Voyager Choice. The former offers lower coverage options than the latter and is generally cheaper (though as you'll see, not always by a large amount).

The company also provides multitrip, long-term and group options for those who need them.

GeoBlue travel insurance cost and coverage

How much does GeoBlue cost? GeoBlue’s travel insurance is mostly medical-based and includes a comprehensive list of inclusions, though it also has coverage for some travel mishaps.

To get an idea of costs, we used a sample trip for a 33-year-old traveler from California with existing insurance heading out in August on a two-week trip.

Note that for this GeoBlue insurance review, we selected the highest coverage amount with no deductible. There are choices that allow you to include a higher deductible and a lower coverage limit, which may lower your plan cost.

Here’s what the two GeoBlue plans cover:

Coverage

Voyager Essential

Voyager Choice

Medical limit

$1,000,000.

$1,000,000.

Deductible

$0.

$0.

Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab

100%.

100%.

Office visits, including X-rays and lab work billed by the attending physician

100%.

100%.

Inpatient medical emergency

100%.

100%.

Ambulatory surgical center

100%.

100%.

Ambulance service (non-medical evacuation)

100% up to $1,000.

100% up to $1,000.

Outpatient prescription drugs (outside the U.S.)

50% up to $5,000.

100% up to $5,000.

Dental care required due to an injury

100% up to $300.

100% up to $500.

Dental care for relief of pain

100% up to $250.

100% up to $250.

Physical and occupational therapy

Up to six visits, up to $100 per visit.

Up to six visits, up to $100 per visit.

Accidental death and dismemberment

Up to $25,000.

Up to $50,000.

Repatriation of remains

Up to $25,000.

Up to $25,000.

Emergency medical transportation

Up to $500,000.

Up to $500,000.

Emergency family travel arrangements

Up to $2,500 for one round-trip economy class ticket to the hospital.

Up to $2,500 for one round-trip economy class ticket to the hospital.

Lost baggage and personal effects coverage

$500 per trip, $100 per bag or personal item.

$500 per trip, $100 per bag or personal item.

Trip interruption

Up to $1,000.

Up to $1,000.

Quarantine coverage

$25 per day, up to 10 days.

$50 per day, up to 10 days.

Hazardous activities coverage

Up to $25,000.

Up to $25,000.

Policy cost

$30.75.

$37.65.

As you can see, there’s not a big difference when it comes to how much GeoBlue’s plans cost, with just about $7 between the two different offerings.

In terms of benefits, most are the same as well — the biggest difference between the Voyager Essential and Voyager Choice plans comes down to prescription medication coverage and coverage related to accidental death and dismemberment.

The less-expensive Essential plan pays 50% of your prescription costs, while the Choice plan covers the full 100%. As well, the Choice plan doubles accidental death coverage from Essential's $25,000 to $50,000.

Other than that, differences are minimal. You’ll get less coverage for emergency dental care and quarantine expenses, but otherwise, everything else is the same.

What isn’t covered

Is GeoBlue travel insurance good? Unlike many other travel insurance policies, GeoBlue’s products include coverage for hazardous activities and medical quarantine.

However, while GeoBlue shines when it comes to medical coverage, it falls short in other travel insurance aspects. Many travel insurance plans provide better options in the event that your bags are delayed, your flight is canceled or you miss nonrefundable bookings.

In GeoBlue’s case, the low levels of reimbursement for these types of issues may be problematic. However, bear in mind that many travel credit cards provide complimentary travel insurance that would pair well with a GeoBlue plan.

How to choose a GeoBlue plan online

To purchase a GeoBlue plan online, go to the company’s website.

You’ll see the option to generate a quote and you’ll type in your trip dates, traveler's age and ZIP code.

Once you hit "Get A Quote" the results page pops up, which will give you the option to choose your deductible amount and maximum level of coverage. You can also toggle between single trip and multi trip.

Once you’ve decided on a plan, you’ll need to fill out all pertinent information including your contact information, your health plan details and beneficiary. Once you review the terms of the plan, select to payment and input your credit or debit card information.

After that, your policy will be issued.

Is GeoBlue travel insurance worth it?

While it offers excellent medical care for low prices, GeoBlue’s policies fall short when it comes to other travel coverage. However, if you also have a travel credit card, you may be able to pair the two together for relatively strong travel insurance coverage at a low cost.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

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NerdWallet Rating
Rewards rate

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Points

Intro offer

60,000

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Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

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Points

Intro offer

60,000

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Points
Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

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Points

Intro offer

50,000

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Points
See more cards
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