GeoBlue Opiniones 

I've been a customer of GeoBlue for almost 5 years now. It has hands down one of the worst customer service of any companies I've ever dealt with. Not just insurance companies, but companies in general.

There is a supervisor there named Michael Burke. This person basically just sends out coverage denial emails. When you email him back for more clarification he just never responds. When I call in and ask to speak to him, he doesn't accept calls.

I call in at least once a month to speak to a supervisor to file a complaint. They take my information and tell me that they will follow up with me but they never do. They'll send out extremely vague denial letters but won't tell you what their claims department wants. Then one of their supervisors will tell you that they will personally follow up with your doctor to get the needed information, but never will. Instead they'll just continue to send you vague denial letters and tell you to provide more information.

I purchase Geo Blue for a trip to Costa Rica.
Unfortunately, I was hospitalized for 5 days in San Jose, Costa Rica with a severe pneumonia. Intensive Care for 2 days. After returning home I submitted everything the hospital gave me in paper work & my receipt for payment that I made to the hospital. Geo Blue said the paperwork did not match my payment but I had everything & Geo Blue had the hospital phone number & information. I never received any compensation from Geo Blue and the communication with them was not good.
Obviously, I would not recommend this Travelers Insurance.
Lois S. Los Angeles, CA

The website looked so promising. The first of two claims was paid timely without issue. The second took 168 days of many emails and phone calls and broken promises that "X" would call back. Agents were trained to only say that something was happening and had no access to my total account file.

And, when I sent in a final email after my check arrived detailing the chronology of what had happened and asked that it be sent to the CEO and acknowledged, no reply even came. I had corresponded with him once before I left but his email address didn't work after that. I just thought he would want to know.

If you are going to Australia, you need to know that you only get details of the coverage after you buy. It is only then that you find out that Geo Blue has a relationship with almost ZERO medical facilities in the country so you will be out of pocket.

I also discovered that a large number of the high ratings given to the company came from people who sent them in at the request of Geo Blue before they even left on their trip and or actually filed a claim.

I got burned as I was looking for a company to use for that and future trips to Australia as well. Thankfully, the costs I incurred on my credit card bills were not enormous, but they easily could have been.

Buying travel insurance is not easy and as I said, the website looked promising.

My earlier post was not very complementary to Geo Blue as I was experiencing difficulty getting reimbursed for a scan that a Swiss doctor that Geo Blue sent me to recommended I have. 16 hours after I made the post I received a call from Geo Blue that my claim was being honored. I don’t know if my post had anything to do with my claim being honored, but if the check does arrive, I can’t complain anymore.

Scam scam scam, do NOT buy Geoblue. Price is low for a reason, when you end up needing to use it you will not get your money. Been waiting since January and they give you the go around, the phone seem to route to the same person (possibly located in the Philippines). They want you to give up and be SOL.
Warning to BCBS to immediately remove from being affiliated with a company that scams people. We provided everything asked for, invoices, travel tickets, doctors medicals records from the hospital and when they run out of things to ask for hoping you can’t provide they don’t give you any concrete reason why the claim is not being processed.
I don’t know how the employees rest at night knowing they a part of this scam. It’s very unfortunate.
We will go with United Healthcare travel
Insurance next time. Stay far away from Geoblue

I would leave no stars if I could. The handling of my son’s insurance claim has left a sour taste in our mouths. Despite submitting all the necessary documentation and fulfilling all requirements in two instances where additional information was requested, the claim is still in “review” after seven weeks. Date of incident was 12/28/2023. In mid-February-2024, Geo Blue asked for confirmation of flight records, and we provided that information. Then, a month later (early March 2024), they asked for medical records from the hospital in Quebec; I provided that information on 3/19/2024. It’s now 5/9/2024, and despite multiple calls to the Geo Blue Voyager Claims department, I keep getting the same response: “Still in review.” I’ve asked for the claim to be prioritized, and customer service agents tell me that the claim has been “elevated,” but after calling today for the 10th time and getting the same response, I’ve decided to leave a bad review. This delay in processing and approving the claim is unacceptable, and it has left my family and me feeling tired, frustrated, and neglected by Geo Blue. As policyholders, we expect timely and efficient service, though we understand things take time. However, we are going on month five dealing with this claim. Anyone looking to purchase a policy through Geo Blue should consider other options.

Unfortunately, based on an ongoing horrible experience with GeoBlue, I firmly believe that they are perpetrating an ongoing scam to defraud policy holders, at least for larger claims. I badly injured my knee in Mexico in mid-January. I needed an ambulance to pick me up and take me to a nearby hospital. Friends I was with confirmed that the hospital was on GeoBlue’s approved list. At the hospital after an X-ray, I was told I had a tibial plateau fracture and needed emergency surgery. The hospital put several temporarily holds on my credit card, telling me they would be released as soon as GeoBlue provided a letter guaranteeing that they would pay 100% of the hospital and physician charges less $100 deductible as provided on my Trekker policy. Within about an hour, a hospital administrator told me that GeoBlue had provided the necessary letter of guarantee. The surgery was successful, I was transported to a flight back to Los Angeles and the hospital did release the holds on my credit card. I assumed that I was in good hands with GeoBlue and that they were handling the hospital payments. I never received, and have not to this day received, a copy of my bills. GeoBlue even refused to pay the $750US charge for the ambulance company that transported me to the hospital. In April 2024, nearly 3 months after my injury, I received an email from the hospital indicating that GeoBlue had not made ANY payment on my outstanding bills and that therefore they were charging nearly $30,000USD on my credit card…which they did. Additionally, I've been assessed a nearly $800USD "foreign transaction fee" by my card issuer. I immediately contacted GeoBlue and as of today, May 4, have spoken to or emailed GeoBlue at least a dozen times, never given any concrete information or even a copy of my hospital billing but was told again and again only that they were “still waiting for a response from the provider.” I requested the matter be submitted to arbitration (which GeoBlue forces in a dispute) and they have ignored my multiple requests. I strongly believe that GeoBlue has not acted in good faith, does not intend to pay the claim and is hoping that I will tire of pursuing the matter. The stress, depression and anxiety GeoBlue has caused me has certainly impacted the healing of my leg. I am still unable to walk without pain while doing physical therapy every day, this after months using a wheelchair and walker. I contacted the California Department of Insurance and was told that they could not take action because the policy issuer is a Bermuda company. This has all the signs of being deliberate insurance fraud being perpetrated by the underwriter and their GeoBlue sham “customer service” located in PA. Since GeoBlue is licensed by Blue Cross Blue Sheild and GeoBlue markets using their logos, I'll be notifying them of this scam. I imagine they do not want outright fraud to be associated with their brand. Reading through comments of others on various websites, I know that I am not the only customer to have been defrauded by GeoBlue. Many have had experiences very similar to mine. I’ve had to draw on my home equity line to pay my credit card bill to reduce the interest rate on the Mexican charges. At no time has anyone I've communicated with at GeoBlue expressed any sort of sympathy or even understanding of the terrible position they have put me in. I retired recently and now may have to get a new job since I don't have $30,000 to pay for an event for which I had every right to believe I was insured. If anyone reading this has any suggestions for other ways I can aggressively pursue restitution, I’d greatly appreciate it!

Unethical insurance company. It's a constant battle getting claims processed for services that are listed on policy terms as being 100% covered without deductible. Deductible calculations are never accurate. Agents are not knowledgeable and it's clear this business uses stall tactics to process claims in hopes you'll pay to avoid bills being sent to collections. Absolute worst insurance company I've ever used.

Horrible process for actually submitting a claim. So unnecessarily complicated. I absolutely do not recommend using them.

I purchased a policy and, unfortunately, had to use it when I suffered appendiciitis while in Canada. I understand that often people are unhappy with insurance companies because they (the policy holder) didn't understand what was actually covered or follow the instructions for submitting claims. However, neither of those are the case here. I can't imagine a company providing worse customer service than Geo-Blue. The company said it would take 30 days to process the claim. It has been three months. EVERY time I call, I get the same non-answers. "Your claim is under review. I've asked the claims department to escalate your case. Call us back in another week." Today, I received notice that part of the claim had been denied, with no explanation of why. The first person I spoke with couldn't even discern that the claim had been denied. The second person, said it was because I had paid part of the bill, but hadn't submitted a receipt for the payment. Understand, that when I submitted the claim three months ago, I hadn't paid anything, so there were no receipts to submit. I had misplaced confidence the company would actually pay the bills within 30, maybe 45, days. When it became obvious that wasn't happening, I started making payments on the bills to avoid being sent to collections. Geo-Blue never mentioned that I shouldn't do that, or if I did it, I needed to pay the bill in full because they don't reimburse for partial payments. So, now, I have to go back and finish paying the nearly $8k I owe to the medical providers out of my own pocket; wait for the receipts to be generated either by the provider or my credit card company, submit them to Geo-Blue and wait another God-knows how long before I get reimbursed. There is no doubt this company purposefully puts every hurdle possible in the communication process to prevent paying for as long as possible. In general, I am a very understanding person when it comes to misunderstandings and make allowances for unintentional mistakes, but it is clear Geo-Blue's policy is to intentionally cause snags with the hope that people will just give up and go away. I imagine many do. Me? I'm about to contact my state's attorney general and insurance commission and the Better Business Bureau to register complaints. And, I'll write as many of these reviews as possible to help other people avoid the aggravation of dealing with this company.

It has been more than a year since I submitted my claim and they never replied my email and had done nothing. This is the worst company. It is so easy to buy but when you make a claim, they just ignore you. You should close down your business. You just collect money.

Geoblue claims to cover doctor visits. Only hospitalization on deductible. Most doctors in smaller countries rent space from hospitals but are not part of the hospitals. GeoBlue counted this as hospital visits despite my protest. They refused to pay medical bills that did not have the diagnostic codes they were looking for. Doctors and even hospitals don't use diagnostic codes in smaller countries. As a travel insurance company they know this. It's fraudulent false advertising. The insurance has no value at all at least out of the U.S. They only reimbursed medications.

I bought a 3-month policy for travel and health insurance. I had a medical issue which I needed covered. It wasn't an emergency but it was important.
For this medical issue, each email exchange with Geoblue took between 4 and 7 days, and further information was asked each time by Geoblue, followed by a no-guarantee invitation to submit a claim.
There were not many doctors available in their network though I was staying in the well-served areas of Rome and Toulouse (France).
In the end, they offered to review my claim if I paid for a doctor out of network (none being available in their network) and if the treatment was covered, they would review as to whether to reimburse. This is a rather tentative-sounding offer.
So this took a couple of weeks, of trial and error, just to make an easy request.
This was all so I could get a medical exam of $30 to $200, depending, because of a sudden-onset medical problem while traveling.

2) There was also a baggage delay and a theft during my time of travel but it seemed these were not covered.

A significant issue is whether it's easy to make claims and get basic services where needed. If it's not, the insurance is not valuable. Though my experience with the company is limited, this is enough for me to seek a better insurance carrier.

We bought an expensive travel health insurance policy with a $0 deductible (not cheap for 2 weeks). Then my husband had a minor injury which required a trip to the hospital and resulted in a modest 217 Euro (less than $300) bill - for minor surgery, ER, etc. - it was really reasonable. The clinic submitted paperwork that showed they had treated the injury. But because the clinic couldn't itemize, and told Geoblue they bundled the payment, Geoblue paid $0 and we had to pay the entire amount. Save your money to pay the bill and don't buy from these crooks.

While we were traveling in Ecuador, I had an accident required hospitalization. Here are the highlights (lowlights?) of the experience with Geo Blue:

• They didn’t have information about medical facilities in Ecuador. We were told to figure it out on our own and submit our bills for reimbursement. I was transported in the back of a pickup truck to a mission hospital. They then transported me in their ambulance to the nearest community with imaging equipment, 1.5-hours away. I was hospitalized in that town and attended by a trauma specialist and an internal medicine specialist. No one at that hospital spoke English.

• The App was supposedly the fastest way to request a medical evacuation … No response was ever received via the app.

• Via phone we were eventually able to get to the department that handles medical evacuations. We spoke to a very responsive and informative agent. He assigned a case number, verified that he had received all my medical documents, and that work would begin on my evacuation. When I called 8 hours later, they said they were busy on another case and would call me back shortly. By the next day there was still no call or email. In fact, they never got back to us. In the end, we made our own arrangements to get me home.

• We submitted the claim and the automated response said that it would take 30 days to process and that we would be contacted by email if they needed more information. 46 days after submission, we received payment in the mail. They paid for my CT scans and flight changes but DECLINED PAYMENT OF MY 2 AMBULANCE RIDES AND HOSPITALIZATION because, although the hospital included detailed information on services provided (in Spanish), it seems they did not include a diagnosis code. Also, because my husband paid the bill, the hospital issued the receipts in his name, not mine, so Geo Blue wouldn’t pay, even though his name was also on our insurance policy.

• We asked for a reevaluation of their decision and for their assistance in contacting the hospital for the additional information they want, since no one at the hospital speaks English. We even enlisted the assistance of our insurance broker to contact GeoBlue on our behalf. This was the emailed reply from GeoBlue, “The documents submitted are insufficient. If the member is unable to obtain these required documents, please make an outreach to the providers.”

Throughout this experience we have dealt with polite agents, but every one of them seems to have their hands tied and be unable to provide any service beyond talking to us and emailing a claim form.

One of the realities of international travel is that the traveler often does not speak or read the local language nor know the ins and outs of their medical systems. This insurance was promoted as one that could provide resources and help if we needed medical assistance while traveling. That proved to be untrue, at least in Ecuador. One of the agents told us that they had Spanish speakers who could contact the hospital directly, but, by the response from the claims team, it doesn’t appear that they are willing to even help us in that small way.

4 years ago when I left the us I got with geoblue as a provider. The first year or so everything was fine. Had an emergency surgery in tokyo that was paid quickly by them. Went about my traveling again with no issues. Well this year I tore a shoulder muscle in australia. Went to a gp had the mri and so on told it would need surgery. Filed claim with geo blue and they refused me saying I needed more paperwork. I sent them everything I had. They finally paid me about 2 months later after I came to manila. Did the surgery here 1.5 months ago and now I just got Informed they need more paperwork that I do not have. I refiled the claim and one day later I'm refused for duplicate claims. They told me to refile the claim. I'm done with this company and since I'm returning to the us they don't cover there anyways so canceling is the next step.

Don't trust this company. By one of its agents that if I extended my Abroad trip, I could renew/ buy again health coverage for more time Abroad. The company said otherwise.

LAST YEAR I wrote a five star Geo Blue Review. I have made numerous purchases during the last five years as I buy policies for everyone in my company. Geo Blue always had excellent customer service. I used Geo Blue for my own policy recently. Had a trip delay. I asked to update dates expecting a small refund. Nine bucks. I was very surprised at how HORRIBLE & unintelligible customer service was. Update. LOL. Heard from GeoBlue, via email. There is a minimum of 7 days so date change (easily allowed) didn't make a difference in cost. There is seven day minimum. Too bad the foreign customer service agent and the supervisor were so focused on telling me they couldn't change the dates (not true). They were too busy giving me the business to be logical and helpful. I have made numerous referrals to Geo Blue in the past. Now I cannot because of their customer service.

I contracted COVID on my recent trip to West Africa, and GeoBlue paid all expenses claimed as promised in their insurance contract. They responded promptly to all my inquiries. My claim was paid within a month, as advertised.
I would definitely recommend them.