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.
Lifetime Maximum per Insured PersonUnlimitedUnlimitedUnlimited
Annual Maximum per Insured PersonUnlimitedUnlimitedUnlimited
Preventative and Primary Care Preventative Care For Babies/Children: (Birth to Age 18) a. Office Visits/examination
b. Immunizations, Lab work & X-rays100%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-rays100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Primary Care Office VisitsAll except a $10 copay per visitAll except a $30 copay per visit60% 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 Transplant100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
In-patient medical emergency100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
In-patient drugs100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services Ambulatory Surgical Center100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Ambulance Service100%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 Services100% up to $200080% up to $200060% up to $2000
Durable Medical Equipment100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Infusion Therapy100%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 HealthPaid at 100% after
deductible.Paid at 80% after
deductible.Paid at 60% after
deductible.
Continuation of Coverage for DependentsIncludedIncludedIncluded
b. Outpatient Mental HealthNow
paid at 100%, no deductible
outside of U.S. and U.S.
Participating providers with a $10
and $30 copay, respectively.Now
paid at 100%, no deductible
outside of U.S. and U.S.
Participating providers with a $10
and $30 copay, respectively.Now
paid at 100%, no deductible
outside of U.S. and U.S.
Participating providers with a $10
and $30 copay, respectively.
c. Inpatient Substance AbusePaid at 100% after
deductible.Paid at 80% after
deductible.Paid at 60% after
deductible.
d. Outpatient Substance AbuseNow
paid at 100%, no deductible
outside of U.S. and U.S.
Participating providers with a $10
and $30 copay, respectively.Now
paid at 100%, no deductible
outside of U.S. and U.S.
Participating providers with a $10
and $30 copay, respectively.Now
paid at 100%, no deductible
outside of U.S. and U.S.
Participating providers with a $10
and $30 copay, respectively.
Prescription Drug Benefit Options Basic Prescription Drug Benefit Subject to $1000 Maximum per Insured Person per Policy Period100% of actual chargesGenerics: 100% after $10 copay
Brandname: 100% after $10 copay
Injectables: 70%Generics: 100% after $10 copay
Brandname: 100% after $10 copay
Injectables: 70%
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period100% of actual chargesGenerics: 100% after $10 copay Brandname: 100% after $25 copay Injectables: 70%Generics: 100% after $10 copay Brandname: 100% after $25 copay Injectables: 70%
Dental/Vision RiderAvailableAvailableAvailable
Urgent Care Facility100%75% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Physical Therapy(Short‐
Term Rehabilitative
Therapy on certificate)No $ limit per visit. Everything else
remains the same.No $ limit per visit. Everything else
remains the same.No $ limit per visit. Everything else
remains the same.
Global Travel Benefit Emergency Medical TransportationUp to $250,000n/an/a
Repatriation of RemainsUp to $25,000n/an/a
Accidental Death & Dismemberment$50,000$50,000$50,000
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.
GeoBlue Xplorer Essential insurance coverage for Covid19
GeoBlue Covid19 Travel health insurance by Xplorer Essential insurance with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.
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
GeoBlue Xplorer Essential plan highlights
GeoBlue Covid travel insurance - Know more
