geoblue GeoBlue Xplorer Essential travel health Insurance

Free quotes to buy Geoblue Xplorer Essential Travel Insurance

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Deductible

$10,000,000

$1,000

$2,000

$5,000

$10,000
Navigator Missionary Insurance

Xplorer Essential Travel Insurance

Xplorer Essential Insurance provides unlimited annual and lifetime medical maximum. The plan offers worldwide coverage excluding US thereby saving 50% of the expenses. It covers pre-existing conditions with creditable coverage.

The plan has no waiting period or sublimts for preventive services. After 364 days of continuous coverage, GeoBlue Xplorer members may re-enroll in a plan that matches their existing benefits.

Xplorer Essential plan may include optional basic U.S. benefits upgrade that covers accidents and illnesses inside the U.S. for up to 3 visits per year, up to 21 days per visit.GeoBlue Covid19 Travel health insurance by Xplorer Essential insurance with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.

GeoBlue Xplorer Essential Review

Insurance provider
Geoblue
Xplorer Essential insurance rating
AM Best Rating: "A-" (Excellent)
Xplorer Essential insurance Underwriter
GeoBlue Xplorer Essential is underwritten by 4 Ever Life
Deductible options
$0, $1,000, $2,000, $5,000, $10,000
Policy maximum
$10,000,000
Plan life
Life time

GeoBlue Xplorer Essential Insurance, GeoBlue Standard Expatriate Insurance summary

What is the eligibility to buy Xplorer Essential Insurance?
Xplorer Essential insurance eligibility
  • Travelers aged 74 years and below at the time of application are eligible.
  • US Citizens, US permanent residents and all legal residents of US (citizens and foreign nationals) are eligible.
  • An employee of a US company, whereby the company is domiciled in the state listed below and the company pays the premium.
GeoBlue Xplorer Essential plan highlights
  • Coverage of COVID-19 testing and treatment.
  • Have the same great benefits—worldwide coverage, excluding U.S., with a 50% savings.
  • Choose your deductible and prescription benefits.
  • Select providers in or out of our elite network.
  • Unlimited annual and lifetime medical maximum.
  • No waiting periods or sublimits for preventive services.
  • No precertification penalty for inpatient or outpatient care.
  • Covers illnesses and injuries related to terrorism.
  • Meets all Schengen Visa requirements.
  • Optional dental, vision, and maternity coverage.
  • Unlimited telemedicine services.
  • Continuous coverage for spouse and dependents in the event of subscriber death
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Plan benefits of Xplorer Essential Insurance - Outside of the U.S. only

  • Lifetime Maximum per Insured Person
    Unlimited
    Annual Maximum per Insured Person
    Unlimited
  • Preventive Care For Babies/Children: (Birth through Age 18)
    a. Office Visits/examination
    b. Immunizations, Lab work & X-rays done in conjunction with an office visit
    100%
    Preventative Care for Adults: (Age 19 and Older)a. Office Visits/examination
    c. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults
    d. Routine Pap Smears, annual mammogram
    e. PSA For Men
    f. Diagnostic lab work & X-rays done in conjunction with an office visit
    100%
    Annual Physical Examination/Health Screening, Subject to a $750 Maximum per Calendar Year and limited to one per Calendar Year
    100%
    Primary Care Physician or Specialist Office Visits
    All except a $10 copay per visit
    Professional Services,
    Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.
    100%
  • Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant
    100%
    In-patient medical emergency
    100%
    In-patient drugs
    100%
  • Ambulatory Surgical Center
    100%
    Ambulance Service
    100%
    Accidental Dental
    $1,000 per calendar year, $200 per tooth
    Acupuncture and Chiropractic Services
    100%
    Durable Medical Equipment
    100%
    Infusion Therapy
    100%
    Physical/Occupational Therapy, deductible is waived.
    100%, no deductible
  • Inpatient Mental Health
    100%
    Outpatient Mental Health
    100%, No Deductible
    Inpatient Substance Abuse
    100%
    Outpatient Substance Abuse
    100%, No Deductible $10 Copayment
  • Basic Prescription Drug Benefit Subject to $1000 Maximum per Insured Person per Calendar Year
    100% of actual charges
    Optional Enhanced Prescription Drug Rider, Subject to $25,000 maximum per Insured Person per Calendar Year
    100% of actual charges
  • Emergency Medical Transportation
    Up to $250,000
    Repatriation of Remains
    Up to $25,000
    Accidental Death & Dismemberment
    $50,000
  • Home Health Care, Subject to a maximum of 30 visits per Calendar Year
    100%
    Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year
    100%
    Hospice, Subject to a maximum of $5,000 per lifetime
    100%

Plan benefits of Xplorer Essential Insurance - Inside of the U.S. only

  • Maximum Medical Benefit per Insured Person
    $1,000,000
  • U.S. Participating Provider

    U.S. Non-Participating Provider

    Physician's Office Visit Services
    100%, No Deductible, $50 Copayment 60% to Coinsurance Maximum, then 100%
    Hospital Emergency Room
    80% to Coinsurance Maximum, then 100% Additional $250 Copayment per visit - waived if admitted 0% to Coinsurance Maximum, then 100% Additional $250 Copayment per visit - waived if admitted
    Outpatient Professional Services (radiology, pathology and ER Physician)
    80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum then 100%
    Urgent Care Facility
    100%, No Deductible, $75 Copayment 60% to Coinsurance Maximum then 100%
    X-ray and/or Lab performed at the Emergency Room or Urgent Care Facility (billed as part of the visit
    80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum then 100%
    Ambulance
    80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
  • U.S. Participating Provider

    U.S. Non-Participating Provider

    Bed and Board Charges
    80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
    Physician's Visits/Consultations
    80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
    Professional Services (Surgeon, Radiologist, Pathologist, Anesthesiologist)
    80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
  • Limited to Emergency Medical Care, Illness and Accidental Injury Conditions covered under this package. Pre-existing Condition Limitation Applies
    100% of the Actual Cost, Deductible does not apply Maximum benefit of $1,000 per Calendar Year and the maximum supply of 30 days per covered prescription
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GeoBlue Xplorer Essential Insurance - Common questions

Are Geo Blue Travel insurers a reliable insurance company?

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. Geo Blue travel insurance for more than 20 years have assisted globally in the complications of international healthcare and provide confidence for its members to travel safe and peacefully.

The travel insurance solutions provided by Geo Blue provide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.

Is there coverage for Covid-19 illness in Geo Blue travel insurance?

GeoBlue Voyager plan covers COVID-19 as a covered illness up to age 95.The essential treatment is covered however there may be policy deductible applicable.

Is Geo Blue Travel insurers a good company?

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue provides easy access and peace of mind to travelers and expats living around the globe. Their elite network of providers, innovative online tools, telemedicine tools and exceptional customer service set completely different standards for a full, reliable, suitable protection of your health and safety in the global community.

What cover does a Geo Blue Travel insurer offer in Covid travel insurance? Does it have Quarantine coverage for US travelers?

Geo Blue provides coverage for Covid-19 as a new sickness in their Covid travel insurance covers. They have various travel insurance plans for Short-term travelers, multi trip travelers, student plans and long term insurance plans with coronavirus coverage. No, coverage for quarantine is not available with the Geo Blue travel insurance plans.

Why should I buy travel insurance from Geo Blue Travel insurers?

GeoBlue is a self-governing licensee of the Blue Cross Blue Shield Association who offer borderless access with a premium quality healthcare system with high-tech service for all travelers to feel secure while traveling around the world. Travelers can be rest assured that their travel requirements will be covered for a safe trip.

Who can buy Xplorer Essential plan?

Xplorer Essential long term global medical insurance is popular among:

  • American expatriate
  • High net-worth global lifestyle
  • International business assignee
  • Foreign worker in the U.S.
  • Employers, church and missionary organizations
  • Embassies, expatriate websites, chambers of commerce
  • Exchange programs, associations, international property managers
  • Financial consultants
What are the key highlights of Xplorer insurance?

Following are some of the key benefits of buying Xplorer expat and global long term insurance

  • Unlimited lifetime max on medical
  • 100% coverage abroad
How GeoBlue Xplorer Essential insurance plan works?

  • Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
  • Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history. Welcome materials are sent electronically and via mail.
  • Members are invited to register on the website, mobile site or app.
  • Coverage can be renewed at the consent of the member and the insurer.

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US Eligible States

Following are the US Eligible States :

Alabama, Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, New York, New Jersey, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, West Virginia, Wisconsin, Wyoming

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