Plan Administrator: GeoBlue | AM Best Rating: A - "Excellent" | Underwriter:4 Ever Life International Limited (4ELI)

• Eligibility: An Eligible Participant or an Eligible Dependent must also be: (a) a resident of the U.S., (b) under Age 85 and (c) enrolled in a Primary Plan.
• Coverage Length: A trip can be as short as 1 day or as long as 180 days. The minimum charge assessed is 7 days.
• Renew: This is a non renewable plan.
• Cancel: If you are not completely satisfied with our product, simply return your Certificate or Policy of Insurance and Description of Emergency Medical Evacuation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel.
• This plan is for coverage outside of the U.S. only. You may only purchase this policy prior to departing on your trip. Exceptions to this rule: if you are still on your trip and need to continue coverage past the initial 180 max, you are allowed a one time subsequent policy enrollment up to another 180 day limit

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• Doctor Visit: Up to policy Max.
• Surgery: Up to policy max
• X-rays & Lab Services: Up to policy max.
• Physical Therapy: 6 visits per Period of Insurance. $100 Maximum payment per visit.
• In-patient medical emergency: Up to policy max

Complete details are given in certificate of insurance.

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Under the GeoBlue Voyager Essential plan, benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section of the Plan Description. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.

The pre-existing conditions exclusion under GeoBlue Voyager Essential does not apply to the Medical Evacuation benefit, Repatriation of Remains benefit, or the Bedside Visit benefit. GeoBlue Voyager Essential does not require that insureds have primary insurance at the time of enrollment.

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This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new Deductible, and Medical Limit would apply.

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We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate or Policy of Insurance and Description of Emergency Medical Evacuation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on your trip or incurred a claim, you will receive a full refund.

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GeoBlue's Global Health and Safety services help members identify, access, and pay for quality healthcare all over the world. This includes a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to GeoBlue. Please note, a member is responsible for their deductible at time of service, if applicable.

Direct billing can be requested by calling the assistance telephone listed on your member ID card, or by emailing globalhealth@geo-blue.com.

GeoBlue Voyager plans are secondary insurance. However, GeoBlue will process and pay claims upfront as a primary payor and reserves the right, where applicable, to contact your primary insurance company to coordinate benefits.

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