GeoBlue Avis 

We used GeoBlue for several years (6) for our child who studied abroad in Asia. We had a good experience with them. They were easy to access and communicate with. We did not have any major clams except routine visits and medication which were covered. Overall, I would recommend them for this purpose.

Their predatory business model ought to be illegal, and in fact it is illegal now in the US but they skirt the law. They go out of their way at every turn to find fault in their customers, reaching for any possible shred of a reason to charge their customers more or exclude coverage. Then without discussion, they try to justify this practice with a toxic non-reason, but the fact is that it’s morally wrong. I don’t even have preexisting conditions but I found the whole process of trying to work with this company to be deeply offensive. No regard for medical opinion, everything is based on their actuarial's opinion of how much money people are worth.

Absolutely atrocious. I can't believe I made the mistake of paying for this insurance for not one, but two trips. I'm diabetic and ran out of continuous glucose monitors after my airline lost one of my bags on this most recent trip. I have an international number, so I can't call their "24 hour emergency help line", which is U.S. based even though it says accepts collect calls. LOL. Yeah let me just go find a phone that can do that. Oh wait, it's 2023. Mobile phones cannot. Finally found a way to call on mobile (using a Skype number, US based), got "transferred to the right department", or so I was told, then was put on an endless hold. After an hour of being on hold, I pressed option 1 to have them call me back. I also submitted their online form that says it's "the fastest way to hear back". It's been days. With no help from the insurance I paid for, I walked down to the local pharmacy and purchased a manual glucometer. I will never use GeoBlue again. What a scam.

I got GeoBlue voyager essential for the three months my daughter and I were abroad. Everytime I needed to see a doctor, I needed to apply for the GOP a few time I went to the ER and had to pay out of pocket. I did not use the insurance but my daughter did. Towards the end of our stay, my daughter needed to see a doc but Geoblue delayed the request to allow the insurance some time to end. Wouldnt use it again.

They deny my application because my Prep medication were too expensive, which is bull crap. Sexist and offensive. I hope they will get out of business!!

As an international student, I have used GeoBlue a lot and never had any issues.

I have been paying a massive amount of money monthly to my US Insurance company and have been living overseas. I never sent in any claims. Geo-Bue handles their overseas claims. Now I have just sent in few and the service has been terrible! No one seems to know what is going on there. I send a claim and then they send a form letter saying they need more information even though I have already sent them the information. I will be looking for other insurance for sure.

Absolutely awful costumer service!
Had a few claims that they would refund, they send my girlfriend a check on the correct amount but wrong name, i emailed them, took a week to get a reply saying they would void the check and send a new one in the correct name, 3 weeks later we recieved a new check.. wrong name again, we have now gotten 3 different checks, all in the wrong name, its been over 4 months now since we were supposed to get our money, I send them an email again 8 days ago, havent gotten an answer yet so called them today and they said they are processing it again, it will probably take another week to finalize it and then they have to send the new check, hopefully in the right name but I sure am not expecting much anymore.
I even asked if they possibly could try and speed the process a little bit being we have been waiting for this long to get our money, but no cant do that...

When making decisions about your health insurance, please consider reviews from people who have not only purchased their insurance, but who have actually used it. I'm currently 8 months into trying to get GeoBlue to pay the hospital for services that they are contractually obliged to pay under my policy, and they are doing everything they can to find loopholes out of it. They are refusing to pay for my birth control despite it being covered by the Xplorer Plan, on the grounds that "per your policy, the removal and insertion of the IUD is not covered as preventative." How is birth control not preventative? Anyway, on page 36 of my policy under "What is covered?" they promise to cover "Prescription Contraception and devices." If you google “contraceptive device,” the result is IUD. Seems simple enough to me. And yet, here we are 9 months later without payment. The same, incidentally goes for a mammogram (again, preventative) but after 8 months they have yet to state why they have denied this claim. I'm escalating my case to the insurance commissioner -- and warning you.

GeoBlue is simply the best in the expat health insurance market for U.S. citizens/permanent residents. The entire team is exceptional and the premiums are competitively priced. The company is backed by Bupa/Blue Cross Blue Shield and is financially stable. Claims are processed extremely fast, the team is very responsive and no-nonsense. Also, the terms of insurance are clearly defined and there are very few ambiguities. For example, a "pre-existing condition" can be defined in many ways depending on the insurer, and GeoBlue clearly defines it including the look back period.

I've purchased numerous short term travel policies and now have a long-term expat policy. I'm always skeptical of insurance companies, but after reviewing several of the company's marketing videos the team is really passionate about what they do and seem to care for their customers' well-being. Also, most major U.S. universities have chosen GeoBlue to insure their students abroad which says a lot about the integrity of the company.