Out of country insurance question - Geo Blue

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#1
Sunny Florida
2,463 Posts
Joined Aug 2011
We are too young for medicare and are covered under a private Florida Blue policy -- which does not provide coverage out of the U.S.

We did purchase a standard trip policy through Steve but the health insurance amounts seem small to us in the case of anything catastrophic. I've heard of Geo Blue - a brand of Blue Cross for coverage outside the U.S. and we could get a $0 deductible 1 Million dollar policy for about $175.

Anyone have experience in this matter? Should we just settle for what was included in our regular trip insurance?

Should we also consider a med jet policy? P.S. We will be cruising through Panama, so Colombia, Panama, Costa Rica, Guatemala, Mexico. Places where medical services may not be to our liking?

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#2
Harrisburg, PA
1,902 Posts
Joined Jan 2001
I probably over-insure, but I travel a couple times a year, so I buy a yearly med-jet and a yearly geo-blue in addition to a "regular" trip insurance in case I have to cancel. Knock on wood I've never had to use the med -jet or the geo-blue, but I have used the regular insurance several times.
What would you do with a burst appendix in Guatemala? I hope I never need it, but GeoBlue will give you a list of physicians/hospitals in all your ports that have been vetted and also accept GeoBlue as primary. There's an app for that.
#3
North Carolina
42 Posts
Joined Apr 2015
We purchased a Geo Blue plan from Steve. $100,000 medical, $500,000 evacuation, with no deductible is around $165 - for two people. Evacuation is as important as medical.
#4
New Cumberland,PA, USA
28,012 Posts
Joined May 2000
One needs to carefully evaluate their own situation, risk tolerance, and budget. We have the GeoBlue Annual travel policy which costs about $450 a year (total cost for a couple) and gives us $250,000 or med plus $500,000 or evac. That policy covers the first 70 days of each and every trip we take over an entire year. Since we travel over 6 months of the year, but keep each trip under 70 days...that particular policy is perfect. GeoBlue is decent, but keep in mind it is secondary to your other policy. Having med jet plus Geo Blue is perhaps overkill...but there is much to say for the Med Jet policy. Since most of our trips are to Western Europe, the Caribbean and Mexico (other places are less common) we do not see the necessity of Med Jetassist on top of the Geoblue. But if we were taking a few trips to more exotic areas such as the interior of India or Africa we would likely add Medjetassist.

Hank
#5
Katonah,NY, USA
2,792 Posts
Joined Jul 2000
I am hard pressed, to see a reason to add medjet to a good policy which has medical and evacuation.
It is a duplication of services.
I would say that you are better off not having med jet assist in a more exotic locale. First, because they do not provide helicopter service, which is what you need when you are not near a runway,
Second, they contract with the same companies that OnCall and others use. So the back end, is the same. And the process of working through the evacuation. Is the same. I spent a lot of time researching the policies.
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#6
Tacoma, Wa, USA
8,231 Posts
Joined Dec 2000
Originally posted by Jacqueline
I am hard pressed, to see a reason to add medjet to a good policy which has medical and evacuation.
It is a duplication of services.
.
Not every trip one takes is via cruise, or to exotic locations.

Medjet Assist covers you if you are more than 150 miles from home. Your primary health insurance only provides transportation to the nearest facility for the emergency coverage.

If I'm in Vegas, LA, or Miami, if I need medical transport to be nearer to my home after the emergency has been addressed, it's out of pocket or my Medjet policy.

I don't know too many people who get travel insurance for their quick trip in country travels
#7
Katonah,NY, USA
2,792 Posts
Joined Jul 2000
KLFRODO,
You have probably identified one of the best reasons to get the medjet assist. It makes sense domestically in the situations you've described. It's not a duplication of service and most likely a helicopter won't be needed or would be covered under your primary plan.
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#8
Finleyville, PA
561 Posts
Joined Jan 2004
We are trying to do our homework and with three cruises coming up starting in October looking at Geo blue annual policy. Found some reviews but most have not actually used the policy. I thank God that hopefully will not need it and help with peace of mind, but it is hard to make an informed decision without knowing how they settle claims. Has anyone actually used their policy and were you satisfied with how things were handled?
#9
5,105 Posts
Joined Aug 2005
So I wonder why the original message mentioned Medicare? It doesn't cover out of the country? Does it?
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#10
Fancy Gap VA
465 Posts
Joined Jan 2003
Plain Medicare does NOT cover out of the country. A medicare supplement policy may have some coverage - mine (plan F) has a lifetime $50k maximum for out of country coverage.
#11
Worcester, PA
2,124 Posts
Joined Aug 2005
Originally posted by Hlitner
One needs to carefully evaluate their own situation, risk tolerance, and budget. We have the GeoBlue Annual travel policy which costs about $450 a year (total cost for a couple) and gives us $250,000 or med plus $500,000 or evac. That policy covers the first 70 days of each and every trip we take over an entire year. Since we travel over 6 months of the year, but keep each trip under 70 days...that particular policy is perfect. GeoBlue is decent, but keep in mind it is secondary to your other policy. Having med jet plus Geo Blue is perhaps overkill...but there is much to say for the Med Jet policy. Since most of our trips are to Western Europe, the Caribbean and Mexico (other places are less common) we do not see the necessity of Med Jetassist on top of the Geoblue. But if we were taking a few trips to more exotic areas such as the interior of India or Africa we would likely add Medjetassist.

Hank
Hank, we also buy an annual GeoBlue Policy. Do you use other (non-medical) travel insurance along with GeoBlue? Most policies that offer trip cancellation or trip delay all offer medical insurance and evacuation as well. Are there companies or policies that just offer the travel insurance pieces without the medical pieces??
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#12
TN
12,250 Posts
Joined Feb 2003
Originally posted by TeeRick
Hank, we also buy an annual GeoBlue Policy. Do you use other (non-medical) travel insurance along with GeoBlue? Most policies that offer trip cancellation or trip delay all offer medical insurance and evacuation as well. Are there companies or policies that just offer the travel insurance pieces without the medical pieces??
Good question! I believe that there are. You can search on Insuremytrip.com

And DH and I are very interested in this GeoBlue Plan. Never heard of it. We have looked into MedJet. We want to make sure we have a good medevac coverage when traveling out of the states. Have two trips coming up in 2018. One in AUS/NZ and the other Europe again.
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#13
New Mexico
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Joined May 2004
Originally posted by TeeRick
...Are there companies or policies that just offer the travel insurance pieces without the medical pieces??
This question comes up on this forum routinely, and the answer is not really.

Reason we've been told is that the medical component is relatively low expense (hence the good pricing on an annual Geo Blue policy) while the trip cancellation component is the bulk of the expense in a comprehensive plan. So when buying a cancellation plan, it costs very little to include medical coverage and make it comprehensive. You might be able to create a custom plan, but you would only be saving in the neighborhood of $30.
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#14
Worcester, PA
2,124 Posts
Joined Aug 2005
Yes that does make sense. The Geo Blue annual policy is a good value for those of you who cruise often or are out of the country (USA) often and if you live in states that qualify. Since we have BC/BS as our primary health insurance, Geo Blue is a nice add on and affordable safety net.
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#15
New Cumberland,PA, USA
28,012 Posts
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Originally posted by TeeRick
Hank, we also buy an annual GeoBlue Policy. Do you use other (non-medical) travel insurance along with GeoBlue? Most policies that offer trip cancellation or trip delay all offer medical insurance and evacuation as well. Are there companies or policies that just offer the travel insurance pieces without the medical pieces??
Just noticed this old inquiry. We do not buy trip cancellation insurance since we are willing to self-insure cancellation. Having taken far more then 100 cruises (all over the world) we simply do not cancel our bookings. So if you do the math we are ahead by a lot of money (we think its close to $100,000) because of all the money we have saved by self-insuring (not buying cancellation insurance. We also have a Chase credit card that gives us up to $10,000 of cancellation insurance for free (its a benefit of the card). We often use this card for our bookings. If you want up to $20,000 of free cancellation...you can do it by getting a 2nd Chase card (for your spouse) and splitting the cruise cost between the two cards.

Hank
#16
Worcester, PA
2,124 Posts
Joined Aug 2005
Hank,
Thanks for the advice.
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