international travel policies

Introduction

Get  instant online Travel Policy enrollment and details.  The site includes coverage for  vacations, business travel,  USA coverage for visitors from other countries and coverage for employees in locations around the world.

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6 comments on “Travel & International Insurance – Geo Blue – Insubuy

  1. Is it better to buy travel insurance in the form of

    a) annual multi-trip plan -or-

    b) individual plans for individual trips.

    I am less interested in lost baggage, flight delays, etc (standard trip insurance items) and more interested in waiving “pre-existing conditions”, primary medical and evac. insurance.

    Ideally an annual plan would cover outside of California but inside the USA (Blue Shield of CA – 2019 change) as well as international.

    I searched for “US INCLUDED” for annual travel plans on your site https://steve.brokersnexus.com/ but got nothing. A few options popped up when I changed to “US EXCLUDED”

    One that popped up for US EXCLUDED was TOKIO Marine / First Health PPO. Their PPO network seems to INCLUDE many US facilities / providers. What gives?

    Does this policy (or any others) include or exclude US coverage?

    What else am I giving up with an annual plan, compared to basic “per-trip” trip insurance?

    • We have a Silver PPO from BS of CA. (the primary coverage). It has hefty out of network deductibles, co pays and max out of pocket limits. For illustration purposes, lets say the annual deductible for out of network is $25K and max out of pocket is $50K.

      If we buy an annual travel plan with secondary medical coverage (they all seem to have secondary coverage), will the annual travel policy play pick up the hefty deductible ($25 k in this notional example) and $50K Max out of pocket, etc that Blue Shield of CA won’t pay if we end up hit by a bus in Italy and end up going to an out of network provider?

      If not – what is the point of the annual travel plan with secondary medical coverage?

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