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GeoBlue Xplorer Essential Covid19 Insurance

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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.

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Free quotes to buy Geoblue Xplorer Essential Travel Insurance

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Max Coverage Options
Deductible

$10,000,000

$0
$1584.00

$1,000
$1128.00

$2,000
$948.00

$5,000
$840.00

$10,000
$744.00

GeoBlue Xplorer Essential Review

Xplorer Essential Insurance
Insurance provider
Geoblue
Plan life
Life time
Deductible options?
$0, $1,000, $2,000, $5,000, $10,000
Policy maximum?
$10,000,000
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

GeoBlue Xplorer Essential Insurance, GeoBlue Standard Expatriate Insurance summary

EligibiltyWhat 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.
RenewalGeoBlue 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

Benefit Maximums
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
b. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults
c. Routine Pap Smears, annual mammogram
d. PSA For Men
e. 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
Physician's Office Visit Services U.S. Participating Provider: 100%, No Deductible, $50 Copayment
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100%
Hospital Emergency Room U.S. Participating Provider: 80% to Coinsurance Maximum, then 100% Additional $250 Copayment per visit - waived if admitted
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100% Additional $250 Copayment per visit - waived if admitted
Outpatient Professional Services (radiology, pathology and ER Physician) U.S. Participating Provider: 80% to Coinsurance Maximum, then 100%
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100%
Urgent Care Facility U.S. Participating Provider: 100%, No Deductible, $75 Copayment
U.S. Non-Participating Provider: 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 U.S. Participating Provider: 80% to Coinsurance Maximum, then 100%
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100%
Ambulance U.S. Participating Provider: 80% to Coinsurance Maximum, then 100%
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100%
Bed and Board Charges U.S. Participating Provider: 80% to Coinsurance Maximum, then 100%
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100%
Physician's Visits/Consultations U.S. Participating Provider: 80% to Coinsurance Maximum, then 100%
U.S. Non-Participating Provider: 60% to Coinsurance Maximum, then 100%
Professional Services (Surgeon, Radiologist, Pathologist, Anesthesiologist) U.S. Participating Provider: 80% to Coinsurance Maximum, then 100%
U.S. Non-Participating Provider: 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

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.

Steps to buy travel insurance


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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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