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GeoBlue Xplorer Essential Insurance Reviews

  • 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.

Free quotes to buy Geoblue Xplorer Essential travel insurance

Age
Gender
Payment Type
Coverage
Citizenship

GeoBlue Xplorer Essential Review

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

A working example of using Xplorer Essential (Offered by Geoblue)

  • Insurance coverage is $10,000,000
  • Deductible is $1,000 per certificate period
  • Your claims for medical expenses is $19,500
  • It will cover the Outside U.S.
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $19,500 minus $1000 equals $18,500. Insured bears $1000
Xplorer Essential Insurance
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $1000 $0 $1000
Surgery $16,500 $16,500 $0
Prescription Drugs $500 $500 $0
X Ray $1,500 $1,500 $0
Total $19,500 $18,500 $1000

What are some insurance terms important in Xplorer Essential Insurance reviews?

  • Plan Maximum coverage of Xplorer Essential travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Xplorer Essential insurance offers lifetime maximum limit option is $10,000,000.
  • What is a deductible in Xplorer Essential visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Xplorer Essential insurance has deductible option from $0, $1,000, $2,000, $5,000 and $10,000
  • What is a provider network of Xplorer Essential Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Xplorer Essential Travel health insurance
    Xplorer Essential Insurance can be renewed lifetime.
  • Eligibility to buy Xplorer Essential Insurance Online
    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 and an employee of a US company, whereby the company is domiciled in the state listed below and the company pays the premium.
  • Xplorer Essential Insurance underwritter
    Underwritten by 4 Ever Life and rating AM Best Rating: "A-" (Excellent).

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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