Voyager Essential Insurance is low cost and high quality travel insurance for the U.S. residents traveling outside the U.S. for a short duration.
Unlike Voyager Choice Insurance, Voyager Essential Insurance does not provide any coverage for pre-existing conditions. Another difference is that prescription drugs are covered only 50%, compared to 100%.
Voyager Essential insurance is a flavor of GeoBlue Voyager insurance. Voyager Essential Insurance is underwritten by 4 Ever Life International Limited, rated A- "Excellent" by A.M. Best, and is administered by GeoBlue, located in Philadelphia, Pennsylvania.
You can purchase Voyager Essential insurance for your trips ranging from 7 days to 180 days. Instant online purchase on this web site makes it easy for you purchase the insurance. You don't need to go through a medical exam or wait underwriting, and there is no paperwork involved to purchase. Once your purchase is complete, immediately after you receive an email confirmation with your fulfillment kit, which you should carry with you when you are traveling abroad.
Voyager Essential insurance allows you to receive treatment from any doctor or hospital you choose. However, you can definitely use GeoBlue contracted English speaking doctors worldwide which will make it much easier for communication when you are already sick or injured. If you visit a non-contracted provider that asks you to make an upfront payment, filing for reimbursement is easy and quick.
You can choose from deductible choices of $0, $100, $250, and $500; and from policy maximum choices such as $50,000, $100,000, $500,000 and $1,000,000; this provides you with ultimate flexibility when choosing the right travel insurance coverage for your needs.
Voyager Essential Insurance also covers downhill (alpine) skiing and scuba diving up to $10,000.