Trekker Essential Insurance
Trekker Essential from GeoBlue is a multiple trip plan that is designed for U.S. residents who travel throughout a 12-month period. Each trip can be up to 70 days long, and you may take as many international trips as you wish in that policy year. You must be enrolled in a primary, domestic health plan in order to enroll in GeoBlue’s Trekker Essential. Feel confident when you leave home knowing that care is available no matter where you travel.
Why will you love this plan?
- $50,000 medical benefits available for accidents and sickness
- One annual premium eliminates the need to apply again and again
- No pre-certification penalty if you are hospitalized
- Covers pre-existing conditions for medical services and medical evacuation
- Strength of a U.S.-based insurance carrier
If you are not completely satisfied with GeoBlue’s Voyager product, simply return your Certification of Insurance and your ID card to GeoBlue within 10 days of receipt, and include a letter indicating your desire to cancel. If you have not already left your trip before the date of your letter, you will receive a full refund.
Trekker Essential Plan Details
These benefits include surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-rays, and lab work.
|Dr. / Physician Visit
Including X-rays and lab work billed by the attending physician
|In-Patient and Day-Patient Treatment
For in-patient medical emergencies only
100% for ambulatory surgical centers
100% up to $1,000 for ambulance service (non-medical evacuation)
|Prescription Drugs / Medicines
100% of covered expenses up to $2,500
For outside the U.S. outpatient prescription drugs only
Dental care required due to an injury
100% of covered expenses for emergency dental up to $200 max per trip period
Dental care for relief of pain
100% of covered expenses for emergency dental up to $100 max per trip period
6 visits per period of insurance
$100 max payment per visit. This also includes occupational therapy
International Emergency Care
|Sports & Activities
Maximum benefit up to $10,000
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). Insurer pays after deductible is met.
|24-Hrs Emergency Assistance
For full policy information, see your policy certificate for details.
Trekker Essential Frequently Asked Questions
Are pre-existing conditions covered under international medical?
Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.
Are vision and dental benefits covered under a short-term medical plan?
Unless state-mandated, vision and dental are not covered under a short-term medical plan. Emergency dental work due to an accident may be included under a standard plan.
Can I cancel my coverage?
If you cancel your coverage before it begins, most carriers waive any cancellation fee. If you cancel after your coverage begins, there may be a cancellation fee. Only unused portions of your premium will be refunded, often in whole monthly increments only.
If you are concerned about the need to cancel coverage, then you may purchase trip cancellation coverage as a rider on some plans or purchase a stand-alone trip cancellation plan to cover your accident/ sickness and trip cancellation needs in one.
Am I covered for sports or team events?
Organized sporting teams, whether amateur or professional, are generally not covered by these travel plans. If you are traveling with a sports team, contact your organization about coverage. Most are covered under a group blanket plan.
Student designed plans can offer limited sports coverage while being played with a school team, depending on the plan chosen.
Can my coverage start today?
Your insurance coverage cannot start on the same day you apply. The earliest most plans can begin is 12:01am the next day.
Does Medicare pay for international medical expenses?
Medicare will not cover cost associated with international travel. Some Medicare supplements will pay limited expenses but you must pay everything up front and file for reimbursement.
For more information you can visit
Does travel insurance cover pregnancy?
Under short term medical policies pregnancy including complications is generally excluded. With some long term plans if you have the coverage for 11 months or longer maternity coverage can be purchased.
Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-866-971-7936
How do I extend or renew my coverage?
Extension or renewal options vary from plan to plan. Some plans are not extendable or renewable, and some are only renewable if you purchase a minimum number of months. If your plan is renewable or extendable, you must renew before the expiration date. Otherwise, you will need to reapply and satisfy new deductibles or waiting periods. Policies do not automatically renew; you will receive your renewal notice by email.
How early should I purchase my travel insurance?
You may need to buy your coverage quickly. Certain plans, such as trip cancellation plans, have benefits that are not available unless you purchase your coverage within 10-15 days of your initial down payment on your trip. Trip cancellation may exclude pre-existing conditions, or not offer a “Cancel for Any Reason” benefit if you purchase coverage after a certain number of days from the time that you make your initial trip deposit. See the brochure for details.
I couldn’t find the answer to my question.
We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.
What do I do if I have a claim?
If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.
What is a PPO Network?
The PPO (preferred provider organization) plan network usually pertains to insurance coverage that is being used in the U.S.A. and Canada. Most plans have a network of selected doctors, hospitals, and care facilities they have contracted with for discounted rates. If you use that network, or stay in that network, then there is less co-insurance you must pay. If you use a doctor or facility outside of that network, your portion of the co-insurance is higher.
What is a pre-certification requirement?
Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.
What is international medical insurance coverage?
International Medical coverage is health insurance that covers you for accidents or non-preexisting illness when you are traveling outside your home country. Coverage can be tailored in ways to meet your specific needs.
What is the maximum age I can purchase international medical coverage?
Most policies do not have an age limit but they do have a maximum amount of coverage that they will provide based on your age. Most policies start to decrease coverage after age 69. See each plan brochure for specifics.
Which doctor or hospital can I go to?
The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.
You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.
Who can buy international medical coverage?
Anyone traveling outside their home country, vacation travelers, business travelers, students, missionaries.
Who do I call in case of an emergency?
First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.
Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.
Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.
Why do I need insurance while outside my home country?
In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.
Trekker Essential Claims & Assistance
- 1 Radnor Corporate Center
- PA, 19087
1-610-254-8771 (outside US)
1-610-254-5304 (outside US)