If you are unhappy with a decision made by GeoBlue, there is an official process you can follow to resolve disputes. This will involve gathering documents and supporting evidence in an official statement to the insurer. The first step is to appeal the decision over the phone or in writing.
Dispute Resolution
All complaints or disputes relating to coverage under your Certificate of Coverage from GeoBlue must be resolved in accordance with their grievance procedures. Grievances may be reported by telephone or in writing. (See our article How to contact GeoBlue.)
All grievances received by GeoBlue that cannot be resolved by telephone conversation (when appropriate) to the mutual satisfaction of both you and GeoBlue, will be acknowledged in writing, along with a description of how the insurer proposes to resolve the grievance.
GeoBlue shall not take any retaliatory action, such as refusing to renew or canceling coverage, against the Covered Person and his/her Insured Dependents or the Member because the Covered Person's, the Member's, or any person's action on the Covered Person's or the Member's behalf, has filed a complaint against the Insurer or has appealed a decision made by the insurer.
Escalation
All grievances not resolved by the abovementioned grievance procedures, and all other controversies and claims arising out of or relating to the Policy, or any coverage provided thereunder, shall be determined by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and Mediation Procedures ("Commercial Rules") including, if appropriate, the International Commercial Arbitration Supplementary Procedures and the Supplementary Rules for Class Arbitrations.
The award rendered by the arbitrator shall be final, non-reviewable, non-appealable and binding on the parties and may be entered and enforced in any court having jurisdiction. There shall be one arbitrator agreed to by the parties within twenty (20) days of receipt by respondent of the request for arbitration or in default thereof appointed by the AAA in accordance with its Commercial Rules. The seat or place of arbitration shall be Philadelphia, Pennsylvania.
The Insurer will meet any Notice requirements by mailing the Notice to the Member at the billing address listed on our records. The Member will meet any Notice requirements by mailing the Notice to:
4 Ever Life International Limited c/o GeoBlue, 933 First Avenue King of Prussia, PA 19406 Toll free: 1.855.481.6647
Help is available
If you need support in your dispute with an insurer, reach out to Expat Insurance at [email protected]
Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.