Voyager Essential Insurance
GeoBlue Voyager Essential plans are U.S. licensed, and feature coverage that is more generous than typical travel medical insurance. Voyager Essential does not require you to have primary health insurance. With coverage for pre-existing conditions for medical evacuations, and no restrictions on illnesses or injuries resulting from a terrorist act, Voyager Essential is the kind of health care you want to have when traveling abroad.
What makes this plan so great?
- Four medical maximum options ($50,000/$100,000/$500,000/$1,000,000)
- Four deductible options ($0/$100/$250/$500)
- U.S.-based insurance company
- Medical, evacuation, mental health, prescription, and AD&D benefits all included
- No hospital pre-certification penalty
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.
Voyager Essential Plan Details
Options include $50,000; $100,000; $500,000; $1,000,000 per insured person per policy period
Options include $0; $100; $250; $500 per insured person per policy period
Insurer pays after deductible is met.
These benefits include surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray, and lab.
|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
50% of covered expenses up to $5,000
For outside the U.S. outpatient prescription drugs only
Due to an injury: 100% of covered expenses up to $200 max per trip period and $200 per tooth
For relief of pain: 100% of covered expenses up to $100 max per trip period and $100 per tooth
6 visits per period of insurance
$100 max payment per visit. This includes occupational therapy, too.
International Emergency Care
Insurer Waives Deductible
|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.
|Travel Assistance Services
$500 max payment, $100 per incident
All participants covered by this insurance plan are enrolled in the Global Citizens Associations, whose members are entitled (subject to submission of the proper documentation) to a total of a $500 allowance, and limited to $100 per incident, to cover costs associated with each of the following incidents:
- Re-issuing a lost passport
- Re-issuing a lost airline ticket
- Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.
All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).
* Threat must be documented by U.S. State Department travel warning that is issued during your trip.
|24-Hrs Emergency Assistance
For full policy information, see your policy certificate for details.
Voyager Essential Frequently Asked Questions
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.
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.
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 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 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 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.
Voyager Essential Claims & Assistance
- 1 Radnor Corporate Center
- PA, 19087
1-610-254-8771 (outside US)
1-610-254-5304 (outside US)