International travel
medical care while you’re abroad

We can provide US citizens and non-US citizens, foreigners, non residents and “lawfully present.” with instant online enrollment and details on how International Plans  Travel Plans work.   

Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world, our International site has a product to meet your needs.

We might also be able to get you a standard USA policy click for free quotes  if you are “lawfully present in CA USA.

  • MYTH: Medical evacuation and repatriation are the same.
    Reality:
    Medical evacuation typically means moving a patient from one location where the local care is inadequate to another nearby location that better meets the patient's needs. This does not necessarily refer to moving from the patient’s initial emergency medical transport to the first care setting. Repatriation means transport, usually medically-supervised, back to the patient’s country of residence. There are situations where a medical evacuation is also a repatriation. There are situations where a patient is medically evacuated only to a nearby Center of Excellence (CoE) to receive care and recover, and then the patient continues with their journey. More commonly, the patient has both – evacuated first to a nearby CoE and then repatriated back home for longer term care/convalescence. 
  • MYTH: For a repatriation to be covered, the patient must first have a covered emergency medical evacuation.
    Reality:
    While it is common for an emergency medical evacuation to occur first, not all GeoBlue policies require this for the repatriation to be covered. On most individual policies, the GeoBlue Medical Director may determine a medically-supported transport is required to return the patient to their residence, irrespective of whether a covered emergency medical evacuation preceded it. An example is where the traveler is hospitalized and treated in a visiting CoE city,, but still requires medically-supervised transport to safely get home for further treatment or recovery.
  • MYTH: Medical evacuation back to the U.S. is always the best course of action
    Reality:
    Based on the situation and treatment needed, the GeoBlue Global Health & Safety (GHS) team works with the treating facility to determine patient stability and the risk and benefits of a move to another facility. These factors dictate whether a member requires evacuation back to the U.S.* In most emergency cases, the patient will first be stabilized then a plan arranged for medical evacuation to the closest Center of Excellence or repatriation. Should transport be recommended, the GHS team then coordinates and arranges direct payment for the best method of transportation – for example, ambulance, helicopter, fixed wing air ambulance – which may require a few days to complete. Uber™ and taxis do not count as ground medical transportation.
  • MYTH: Evacuation membership programs offer better value than a true travel health insurance plan.
    Reality:
    While there are benefits to having a medical evacuation plan in place, these programs do not typically offer the comprehensive coverage and specialty service that travel health insurance plans provide, meaning that any care not associated with a medical evacuation – such as inpatient or outpatient care – may not be covered. Prompt settlement of medical expenses at each care setting is essential to secure the cooperation of the medical providers in discharging and handing the patient over to the medical transport vendor’s team.
  • MYTH: Evacuations happen within minutes; after all, it is an emergency situation.
    Reality:
    While emergency medical evacuations involve very serious medical conditions, the patient is usually hospitalized in a setting that can meet their immediate, short-term treatment requirements. In fact, it is critical that the patient be stable enough before an evacuation is undertaken (a determination that is usually jointly made by the treating doctor, the GeoBlue medical team, and the transport vendor’s medical authority). While GeoBlue maintains a global network of medical transport resources, there are also several factors that affect the timeframe for transport, including: arrangements with a receiving care facility, transit time for the transport resources to get to the patient, crew rest, landing permits, seat availability, weather, etc. GHS works to keep the patient and family informed of the timeframes throughout the course of the transport.
  • MYTH: Emergency medical evacuation by air ambulance is the best method for transport.
    Reality:
    Emergency transportation vehicles have one goal: provide life-sustaining care to patients who need to get from point A to point B. Similar to ground ambulances, air ambulances are packed with life-saving equipment and provide minimal space for travelers. Aside from the necessary travelers – the emergency responder, the patient and possibly one other travel companion – there is usually no extra room for luggage, no extra seats, nor in-flight catering or other amenities. The cabin environment can be loud. Additionally, because of size and range, air ambulances can often only go short distances in comparison to a commercial jet. In some situations, transport by air ambulance is the right course. In others, evacuation by commercial airline is also appropriate. The latter provides significantly more comfort and typically shorter transit times; however, they may not provide sufficient support for the patient’s condition. GeoBlue’s GHS team has experienced medical staff who can make these determinations based on the patient’s condition, needs during transport, distance to the nearest CoE, among other factors.
  • FACT: GeoBlue simplifies the healthcare process for members in crisis.
    In a medical emergency, GeoBlue is available 24/7/365 to support members with concierge-level service through direct contact with healthcare facilities to identify best treatment and care required, coordination of appropriate medical transportation, arrangement of direct pay to healthcare providers and services with a goal to simplify and streamline a challenging, stressful event.

*NOTE: Even if the evacuation route is not to the U.S., we fulfill member requests to repatriate home post evacuation, when they are stable.  4.2.2019 Agent Email from Geo Blue

7 comments on “Buy 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?

  2. Request for Quote

    Atlas America

    I would like to know, whether i can use the ID just like any other insurance company in USA?

    In case of any medical emergency , i hope i will not asked to pay upfront and request for filing claim later on.

    My mom is travelling to USA on May 1st from india , she stays until Sep 26th.

    So would like to get a quote for 2 months period initially.

    Thanks
    Jerin A
    864-xxxxx

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