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GeoBlue 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.
Xplorer Essential Insurance
Insurance provider
Geo Blue
Plan life
Life time

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

Xplorer Essential Links

Free quotes to buy Geoblue Xplorer Essential Travel Insurance

Age
Gender
Payment Type
Coverage Region
Citizenship

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.

special-coverageGeoBlue Xplorer Essential plan highlights
  • 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.
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Plan benefits of Xplorer Essential Insurance

Benefit Maximums Outside U.S. U.S.(In Network) U.S.(Outside Network)
Lifetime Maximum per Insured Person Unlimited Unlimited Unlimited
Annual Maximum per Insured Person Unlimited Unlimited Unlimited
Preventative and Primary Care
Preventative Care For Babies/Children: (Birth to Age 18)
a. Office Visits/examination
b. Immunizations, Lab work & X-rays
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Preventative Care for Adults: (Age 19 and Older)
a. Routine Pap Smears, annual mammogram
b. PSA For Men
c. Annual Physical Examination Health Screening
d. Diagnostic lab work & X-rays
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Primary Care Office Visits All except a $10 copay per visit All except a $30 copay per visit 60% to Coinsurance Maximum then 100%
Professional Services
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Inpatient
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
In-patient medical emergency 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
In-patient drugs 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services
Ambulatory Surgical Center
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Ambulance Service 100% ​80% to Coinsurance Maximum then 100% ​​60% to Coinsurance Maximum then 100%
Accidental Dental $1,000 per year, $200 per tooth $1,000 per year, $200 per tooth ​$1,000 per year, $200 per tooth
Acupuncture and Chiropractic Services 100% up to $2000 80% up to $2000 60% up to $2000
Durable Medical Equipment 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Infusion Therapy 100% 80% to Coinsurance Maximum then 100% ​60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy, deductible is waived. ​$50 limit per visit, 12 visits per year $50 limit per visit, 12 visits per year $50 limit per visit, 12 visits per year
Rehabilitation and Therapy
a. Inpatient Mental Health
100% up to 60 days 80% up to 60 days 60% up to 60 days
b. Outpatient Mental Health 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter
c. Inpatient Substance Abuse 100% up to 60 days detox 80% up to 60 days detox 60% up to 60 days detox
d. Outpatient Substance Abuse 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter
Prescription Drug Benefit Options
Basic Prescription Drug Benefit Subject to $1000 Maximum per Insured Person per Policy Period
100% of actual charges Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period 100% of actual charges Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Global Travel Benefit
Emergency Medical Transportation
Up to $250,000 n/a n/a
Repatriation of Remains Up to $25,000 n/a n/a
Accidental Death & Dismemberment $50,000 $50,000 $50,000

GeoBlue Xplorer Essential Insurance - Common Questions

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
Following are some of the key benefits of buying Xplorer expat and global long term insurance
  • Unlimited lifetime max on medical
  • 100% coverage abroad
  • 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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Plan details of GeoBlue Xplorer Essential

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 Jersey, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, West Virginia, Wisconsin, Wyoming

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