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Worldwide Terrorism Risk Insurance with No Exclusions!

Geoblue Voyager with Terrorism Insurance Benefits

For high risk areas or those needing travel insurance terrorism cover included

Why we like it:

WE HIGHLY RECOMMEND the GeoBlue Voyager Choice and the GeoBlue Voyager Essential because they include travel insurance terrorism cover included. They also have a great network of providers worldwide as part of the BlueCross BlueShield network.

They cover acts of terrorism and do not restrict illnesses or injuries resulting from a terrorist act. Both also feature stronger medical coverage with fewer exclusions than comparable travel insurance plans. For up to age 74 on Essential, or 84 on Choice Plan.

Voyager Choice also includes pre-existing conditions, but requires being insured by U.S. domestic health insurance. “Share plans,” Medicaid and V.A. health plans do not count as domestic health insurance. (Essential does not have this requirement.)

Note: For U.S. residents only traveling 6 months or less. You can only purchase GeoBlue Voyager prior to departing on your trip.

 

Good for:

  • People traveling to high-risk countries
  • Travel to hot zones + covers illnesses or injuries resulting from a terrorist act
  • Part of the Blue Cross Blue Shield global network
  • Up to age 74 (or 84 on Choice) traveling up to 6 months
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travel insurance group vs individual

Voyager travel insurance terrorism cover included

Voyager Choice and Voyager Essential Plans Both Include:

Better Coverage

The Voyager plan is available to U.S. residents, age 74 or younger (84 or younger for the Choice plan), if they apply from the U.S.
These are non-renewable plans up to 180 days. In some states, this same plan is offered by HTH, but it is the same plan and same company.

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Travel insurance terrorism cover included: These plans do not restrict illnesses or injuries resulting from a terrorist act.
(In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.)
They do not impose pre-certification penalties for hospitalization.
They provide coverage for pre-existing conditions for emergency medical transportation and evacuation.
– Pre-existing conditions are also covered for medical benefits and services on the Choice plan.

Other Benefits:

  • Medical evacuation coverage
  • Medical health coverage
  • Repatriation of remains
  • Bedside visit
  • Coverage starts once outside the United States
  • Use any western style medical facility overseas or use contracted doctors in more than 180 countries
  • Online doctor search with more than 4,200 contracted physicians
  • Complications of pregnancy covered on both Voyager Essential and Choice
  • Use Mobile Health to search doctors, translate medical terms, phrases and medications using your mobile device.
  • Worldwide Insurance Services (parent company of the GeoBlue brand) has signed a trademark licensing agreement with the Blue Cross and Blue Shield Association
  • See brochure for a complete list of travel and medical benefits
  • Coverage includes countries such as North Korea or Syria, but must pay first and be reimbursed for your expenses instead of direct billing.

Geoblue Voyager Choice

Plan Features

Geoblue Voyager Choice Plan

  • For trips up to 6 months for ages 84 or younger.
  • Must have U.S. domestic insurance or Medicare Part A to be covered on this travel insurance plan.
  • Covers pre-existing health conditions.
  • Any coverage for maintenance medical care and maintenance Rx is not covered.
  • Maintenance medical care also includes medications prescribed for chronic and/or long-term medical conditions or Rx taken on an ongoing basis.
  • Any drugs, medications, or other substances except as specifically stated in this Plan are excluded. This includes, but is not limited to, items dispensed by a Physician.
  • Rx Examples: birth control, heartburn/acid reflux medication or anti-depressants.
  • Medical maintenance examples: Needing blood transfusions on a continual basis for diabetes.
  • Any ongoing medical condition or past medical condition that needs to be monitored and/or checked on a regular basis.
  • Treatment of mental disorders or functional nervous disorders are not covered under the policy
  • Policy holder cannot be disabled at the time of travel and cannot be on a waiting list for any treatment
  • Policy holder cannot travel against the advice of a physician / medical facility.
  • Coverage starts for U.S. and non U.S. citizens starting their travels outside the U.S. from their U.S. resident
  • GeoBlue Voyager Choice is available in all 50 states and DC.
  • Complications of pregnancy are covered

GeoBlue Voyager Essential

Plan Features

Geoblue Voyager Essential Plan

  • For trips up to 6 months for ages 74 or younger.
  • Does not require a primary health plan.
  • Coverage starts once outside the United States
  • U.S. and non-U.S. citizens may apply
  • Ongoing pre-existing medical conditions are not covered under this plan
    Does covers pre-existing conditions for medical evacuation.
  • GeoBlue Voyager Essential is available in all 50 states and DC.
  • Complications of pregnancy are covered
  • Hazardous Activities (After deductible is met):
    Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor).

Videos

Voyager Interntaional #1
– Overview
Voyager International #2
– Who is it good for?
Voyager International #3
– Why we like it
Voyager International #4
– Medical Benefits
Voyager International #5
– Emergency Evacuation benefits
Voyager International #6
– Frequently Asked Questions

Benefits Included with Voyager Choice

Geoblue Voyager Choice Plan

  • Covers pre-existing conditions for medical services and medical evacuation.
  • Requires a primary health plan or Medicare Part A, (Health plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.)
    A Primary Health Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan (e.g. Medicare). Note: Medicaid and V.A. health plans do not constitute primary health insurance.

Maximum Benefit per Insured Person per policy period:
Options include $50,000; $100,000; $500,000; $1,000,000

Deductible per Insured Person per policy period:
Options include $0; $100; $250; $500

Eligibility Requirements:

  • Home Country is the U.S.; and
  • You must be under Age 85 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 home country prior to departing on trip

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

  • Your spouse; civil union partner or domestic partner age 84 or younger, and/or
  • Your eligible child(ren) or other eligible dependent(s)—see Eligible Dependents.
  • Resident(s) of the United States.

More about benefits:

  • Hazardous Activities (After Deductible is Met):
    Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor).
    Maximum Benefit up to $10,000

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Benefits Included with Voyager Essential

Geoblue Voyager Essential Plan

Maximum Benefit per Insured Person per policy period:
Choose from $50,000; $100,000; $500,000; $1,000,000

Deductible per Insured Person per policy period:
Options include $0; $100; $250; $500

Eligibility Requirements:

  • Home Country is the U.S.; and
  • You must be under Age 75 and;
  • For Children under age 6, must be enrolled with a parent and;
  • Initial purchase must be made in home country (U.S.) prior to departing on trip

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

  • Your spouse; civil union partner or domestic partner age 74 or younger, and/or
  • Your eligible child(ren) or other eligible dependent(s)—see Eligible Dependents.
  • Resident(s) of the United States.
  • Traveling outside the U.S. and scheduled to spend at least 24 hours away from his/her home.

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Pre-exisiting Condition Coverage

Pre-existing Condition means a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during the 6 months (0 months for the GeoBlue Voyager Choice plan) immediately preceding the Insured Person’s Effective Date of Coverage.

 

Will my pre-existing condition be covered under a GeoBlue Voyager plan?

Pre-Existing Conditions

  • Pre-existing medical conditions are treated differently depending upon the plan you have selected. The GeoBlue Voyager Choice plan is available to those who have primary insurance inside the U.S. and will cover medical treatments for pre-existing conditions. Please refer to the definition of a primary health plan for more specific information on what plans qualify as a primary insurance.

    Under the GeoBlue Voyager Essentials plan, benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person. If those services are related to a Pre-existing Condition as defined in the Definitions section of the Plan Description. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.

    The pre-existing conditions exclusion under GeoBlue Voyager Essential does not apply to the Emergency Medical Transportation benefit, Repatriation Of Mortal Remains benefit, or the Emergency Family Travel Arrangements benefit. GeoBlue Voyager Essential does not require that insureds have primary insurance at the time of enrollment.

Additional information

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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