BCBS Global Solutions Travel Insurance

Overview of BlueCross BlueShield Global Solutions Travel Insurance

BCBS Global Solutions was founded in 1997, then known as Highway to Health, to help U.S.-based travelers find and access quality healthcare anywhere in the world. The provider offers policyholders access to a trusted network of healthcare providers in more than 190 countries, along with multilingual 24/7 assistance to provide peace of mind during medical emergencies abroad.

There are currently four travel medical insurance policies from BCBS Global Solutions available on Squaremouth, comprising both single-trip and annual options. Features of these plans include strong medical coverage, low average premiums, and a generous Free Look Period.

BCBS Global Solutions is currently among the top-rated travel insurance providers on our platform for overall customer satisfaction, with a reputation for delivering exceptional customer service before and during a trip. With an average travel medical premium of less than $30, plans from BCBS Global Solutions are a great option if you’re looking for low-cost travel medical coverage overseas that’s backed by a reliable insurer.

How Reputable is BlueCross BlueShield Global Solutions?

BCBS Global Solutions is a highly reputable travel medical insurance provider with strong financial backing, solid customer ratings, and 25+ years of industry experience. According to their website, they have covered more than 400,000 travelers in that time.

From a financial strength standpoint, the policies offered through BlueCross BlueShield Global Solutions are underwritten by 4 Ever Life International Limited, which holds an A (Excellent) rating from A.M. Best, indicating the company’s strong ability to meet its financial obligations and pay claims.

In terms of consumer trust, BCBS Global Solutions, along with the broader Blue Cross Blue Shield brand, holds an A+ rating from the Better Business Bureau (BBB). This rating is only given to businesses that are committed to their customers and are diligent in addressing complaints.

Our Take: __When it comes to customer satisfaction, few providers come close to BCBS Global Solutions. The provider, which is part of the larger Blue Cross Blue Shield Association family, has decades of experience helping to protect travelers from unexpected medical expenses while traveling outside of the U.S. We recommend coverage from BCBS Global Solutions if you’re looking for reliable, affordable travel medical coverage ahead of your trip abroad, as the provider does not offer protection for domestic trips. Since BCBS Global Solutions’ policies are not comprehensive, they will not cover common disruptions like trip cancellations, travel delays, and missed connections. If this coverage is important to you, then it may be worth considering other providers. __

What Customers Say About BlueCross BlueShield Global Solutions

According to the company website, BCBS Global Solutions is dedicated to helping travelers explore the world without worrying about their well-being. They provide all policyholders with dedicated support from the moment they purchase their coverage until the time their claim is resolved.

The ratings below are based on reviews from BCBS Global Solutions customers, who scored their experience with the provider before, during, and after their trips.

With an overall customer satisfaction rating of 4.62 out of 5 stars, BCBS Global Solutions is the highest-rated provider on our marketplace.

According to customers, BCBS Global Solutions is particularly strong in pre-trip customer service, helping travelers understand coverage and prepare for their trips. The provider offers one of the most generous Free Look Periods on the market, allowing travelers to modify or cancel their policy for a full refund up until the policy’s effective date. This gives you ample time to adjust your coverage ahead of your trip. For context, most Free Look Periods last 10-21 days, depending on the provider.

Customers also admire the provider’s level of customer assistance while traveling. This is aided by its multi-lingual 24/7 emergency assistance teams, which can help with referring medical care, coordinating evacuations, translation services, and much more.

See what recent BCBS Global Solutions customers say about their experiences:

Pros & Cons of BlueCross BlueShield Travel Insurance

BCBS Global Solutions is a strong option if you’re seeking affordable, medically focused travel insurance. The provider offers both single-trip and annual travel insurance plans, providing a wide range of options to suit your travel habits and budget. Premiums are among the lowest on the market for travel medical coverage, and many plans include coverage for pre-existing medical conditions, which is a major advantage for travelers with existing health concerns.

Despite below-average premiums, BCBS Global Solutions plans don’t skimp on medical coverage. Emergency Medical coverage ranges from $50,000 to $1,000,000, and Medical Evacuation coverage ranges from $250,000 to $500,000, depending on the plan. This level of protection is well-suited for international travelers visiting destinations that may have limited medical infrastructure. The provider also offers a generous Free Look Period, allowing you to review, modify, or cancel your policy for a full refund up until your coverage start date.

On the downside, all BCBS Global Solutions plans feature secondary medical coverage, meaning travelers must file a claim with their primary health insurance before the travel policy pays out. Additionally, these plans focus strictly on medical protection and do not include Trip Cancellation, Travel Delay, Missed Connection, or Baggage Delay coverage. This may be a drawback for travelers looking for comprehensive trip protection.

Most plans also require travelers to meet a deductible ranging from $100 to $250 before medical benefits apply. While many travel insurance providers sell policies with medical deductibles, it is possible to find reliable travel medical coverage that starts coverage immediately.

Ready to explore your options? Compare BCBS Global Solutions plans against other top providers.

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BlueCross BlueShield Travel Insurance Plans

As mentioned earlier, BCBS Global Solutions offers single-trip and multi-trip policy options. Since coverage limits and benefits vary from one plan to the next, we share a full breakdown of the differences between these policies below:

BlueCross BlueShield Single Trip Medical Travel Insurance Plans

BCBS Global Solutions currently offers two single-trip travel insurance policies on Squaremouth: Single Trip Platinum and Single Trip Gold. These plans are ideal for casual travelers who want reliable, no-frills trip protection while traveling overseas.

Single Trip Gold is the provider’s most affordable policy. It offers up to $50,000 in secondary Emergency Medical coverage and up to $500,000 in Medical Evacuation coverage. When traveling internationally, we recommend at least $50,000 in Emergency Medical coverage and at least $100,000 in Medical Evacuation coverage. With that in mind, this policy is suitable for most trips abroad and provides more coverage than other base plans offered on our platform. Unlike other travel medical plans, Single Trip Gold provides up to $1,000 in Trip Interruption coverage if you’re forced to end your trip early for a covered reason.

BCBS Global Solutions’ other single-trip policy, Single Trip Platinum, offers nearly identical coverage to Single Trip Gold, with just a couple of key differences. First, Single Trip Platinum offers coverage for pre-existing medical conditions, which is an essential benefit if you have an existing health issue that may flare up while you’re overseas. Secondly, Single Trip Platinum offers up to $50,000 in 24 Hour Accidental Death & Dismemberment (AD&D) coverage, compared to $25,000 offered in the provider’s base plan. This additional coverage can support your beneficiariesif you suffer a loss of life or limb during a covered trip.

BlueCross BlueShield Multi-Trip Medical Travel Insurance Plans

If you’re looking for annual travel insurance, BCBS Global Solutions has two options that may fit your needs: Multi-Trip Gold and Multi-Trip Platinum. These plans are ideal if you plan to travel outside of the country frequently over the next 12 months.

As the chart shows, Multi-Trip Gold comes standard with up to $500,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage. These reimbursement rates are very generous compared to other annual plans on the market and should be suitable for just about any trip abroad. A downside of this plan is that it is the only BCBS Global Solutions policy on Squaremouth that does not offer Baggage Loss or AD&D coverage.

The Multi-Trip Platinum is similar to Multi-Trip Gold, but with twice as much Emergency Medical and Medical Evacuation coverage. It also features up to $500 in Baggage Loss coverage to protect your personal belongings while you’re away from home. This plan is ideal if you plan on taking trips to remote destinations during your 12-month coverage period or have health issues that could result in significant out-of-pocket expenses during your trips.

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Compare BlueCross BlueShield to Other Travel Insurance Companies

Want to see how this provider stacks up to the competition? Compare BCBS Global Solutions to other top-rated providers found on the Squaremouth platform.

Plan Features
Overall Coverage	High medical focus, global care	Broad coverage, with options for customization
Cost	Up to $1,000,000	Moderate pricing with flexible plan options
Customer Rating	4.6 Very Good 136 Reviews	4.5 Very Good 208 Reviews
AM Best Rating	A (Excellent)	A (Excellent)
Unique Benefits	Medical coverage, access to the top 2% of physicians, and care.	Sporting equipment coverage
Insurance Partners	Backed by 4 Ever Life International Limited.	Backed by BCS Insurance Company and Jefferson Insurance Company.

How Much Does BlueCross BlueShield Cost?

BCBS Global Solutions offers travel medical plans to fit most budgets. The chart below shows how the provider’s average premiums compare with other insurers on Squaremouth.

BCBS Global Solutions travel medical plans cost an average of $26.72. For context, the provider is one of just eight travel insurance companies with an average premium under $30 for this type of coverage.

Several factors influence the cost of travel medical insurance, including your age, trip length, and coverage needs. One reason BCBS Global Solutions can maintain lower premiums is that its plans feature secondary medical coverage. Plans also include a medical deductible, which can vary from $100 to $250, depending on the plan. While these features help keep costs down, they typically require additional steps and paperwork if you need to file a medical claim.

BlueCross BlueShield Travel Insurance Ratings vs. Competitors

BCBS Global Solutions is currently the highest-rated travel insurance provider on Squaremouth in terms of customer satisfaction. While the insurer doesn’t have as many reviews as the competition, it consistently receives positive ratings for its pre-trip and in-trip customer support.

With an average customer satisfaction rating of 4.62 out of 5, BCBS Global Solutions has a higher score than any other provider on our platform. This high score is largely driven by its ability to deliver exceptional customer assistance before a trip even begins. The provider currently holds a 4.68 out of 5 rating for ‘Customer Service Before Trip,’ which is one of the highest scores recorded by customers for this category.

BlueCross BlueShield has also earned a reputation for providing reliable in-trip emergency assistance. Accessible from anywhere in the world, this service can help you navigate medical or logistical issues that may arise while away from home.

Is BlueCross BlueShield Travel Insurance Worth Buying?

Yes, BlueCross BlueShield Global Solutions is an excellent choice if you prioritize reliable medical coverage, affordability, and access to a trusted global network of healthcare providers. The provider offers coverage exclusively for international trips, offering strong emergency medical and evacuation benefits, coverage for many pre-existing conditions (depending on the plan), and 24/7 multilingual assistance to help you handle unexpected medical situations while abroad.

BCBS Global Solutions also stands out for its exceptional customer satisfaction, with an overall rating of 4.62 out of 5. Customers consistently report positive experiences with both pre-trip guidance and in-trip emergency assistance, giving them peace of mind when navigating stressful situations. With an average premium of less than $30 for travel medical coverage, this provider can offer excellent value protection ahead of your next trip.

It’s important to note that these plans focus exclusively on medical protection and do not cover common disruptions like trip cancellations, delays, missed connections, or baggage delays. All plans also feature secondary medical coverage, meaning claims must first be filed with your primary health insurance. If you need comprehensive trip protection or want a plan that provides a more straightforward claims process, you may want to consider other options.

Alternatives to BlueCross BlueShield

Squaremouth is home to 20+ top-rated travel insurance providers. If you can’t find a BCBS Global Solutions plan that works for you, consider coverage from one of the following insurers.

Tin Leg is currently the highest-rated travel insurance provider on Squaremouth. Its Goldplan is currently the best-selling on our platform and features up to $500,000 in Primary Emergency Medical coverage.

For best-in-class medical protection while traveling, consider a policy from Seven Corners. Offering up to $500,000 in Primary Emergency Medical coverage and up to $1,000,000 in Medical Evacuation protection, no comprehensive plan offers better coverage for health emergencies while traveling than Trip Protection Choice.

Arch RoamRight is a lesser-known travel insurance company that, like BCBS Global Solutions, offers reliable, affordable trip protection. The insurer’s Pro Plus policy, in particular, is a great option if you’re looking for dependable protection that doesn’t break the bank.

Frequently Asked Questions: BlueCross BlueShield Travel Insurance

Does BlueCross BlueShield offer enough medical coverage for international trips?

Yes. For international travel insurance, we typically recommend at least $50,000 in Emergency Medical coverage and at least $100,000 in Medical Evacuation coverage. All BCBS Global Solutions plans on Squaremouth either meet or exceed these coverage recommendations.

Does BlueCross BlueShield have any comprehensive options?

No, BCBS Global Solutions does not offer any comprehensive travel insurance policies. If this type of coverage is important to you, we recommend supplementing a BCBS Global Solutions plan with a cancellation-only policy or using Squaremouth to find a comprehensive plan that fits your coverage needs and budget.

Can I upgrade my BlueCross BlueShield policy?

No, there are no upgrades or add-ons available with any of BCBS Global Solutions’ plans. Most plans do, however, allow you to add a pre-existing condition waiver to your plan if you meet certain eligibility requirements. This waiver removes any exclusions relating to pre-existing medical conditions, and can cover the cost of trip disruptions, such as an injury or cancellation, if a flare-up occurs while traveling. To qualify for this coverage from BCBS Global Solutions, you must have a primary health insurance plan, such as Medicare or an employer-sponsored policy, in place.

Does BlueCross BlueShield cover pre-existing conditions?

Yes, most policies from BCBS Global Solutions cover pre-existing medical conditions for travelers who qualify for coverage. Specifically, Single Trip Platinum, Multi-Trip Gold, and Multi-Trip Platinum include the option to qualify for a pre-existing condition waiver.

If you choose Single Trip Gold, you will be subject to a 180-day lookback period. This means that any medical condition for which you experienced symptoms, received treatment, took medication, or sought medical advice during the 180 days before your policy’s effective date may be considered pre-existing and therefore excluded from coverage.

What benefits stand out within BlueCross BlueShield’s plans?

The main standout benefit for BCBS Global Solutions is the Medical Evacuation coverage. All policies include between $250,000 and $500,000 in reimbursement for medical evacuation services, which is more than most plans found at similar price levels.

The provider’s annual travel insurance plans are also characterized by high Emergency Medical coverage. The Multi-Trip Platinum plan, for example, features up to $1,000,000 in coverage for a covered illness or injury. This is among the highest amounts of coverage for this benefit found in any plan on Squaremouth.

Does BlueCross BlueShield Provide 24/7 Assistance?

Yes, BCBS Global Solutions provides 24-hour Emergency Assistance to every policyholder. You can call this service at any time to get assistance with medical referrals, coordinating evacuations, translation services, emergency cash transfers, and more.

How Do I File a Travel Insurance Claim with BlueCross BlueShield?

All BCBS claims must be filed directly with the provider. Squaremouth is unable to process claims from any provider. Important contact information and website links for this provider can be found below.