geoblue GeoBlue Xplorer Essential travel health Insurance

Free quotes to buy Geoblue Xplorer Essential Travel Insurance

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Max Coverage Options
Deductible

$10,000,000

$1,000

$2,000

$5,000

$10,000

What is GeoBlue Xplorer Essential insurance?

GeoBlue Xplorer Essential Insurance offers a choice of varying medical limits and deductibles. Covers trips up to 6 months with 100% coinsurance. The insurance plan covers pre-existing conditions for medical services and medical evacuation with 180 days waiting period.

Traveler can get all the plan document and plan id card by using GeoBlue Xplorer Essential insurance login. At American Visitor Insurance, International travelers can contact the GeoBlue Xplorer Essential insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

Xplorer Essential Insurance Reviews

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Insurance provider
Geoblue
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Rating
AM Best Rating: "A-" (Excellent)
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Period of Coverage
Life time
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Underwriter
Underwritten by 4 Ever Life
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Best for
  • Most popular comprehensive plan
  • Pre-existing conditions
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Maximum limits
Maximum limits from $10,000,000
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Deductible options
Deductible options from
$0, $1,000, $2,000, $5,000, $10,000

How much coverage does Geoblue Xplorer Essential insurance offers?

The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Geoblue Xplorer Essential insurance. Once reached, no other benefits will be available. Geoblue Xplorer Essential insurance has policy maximum options of $10,000,000

What is a deductible in Geoblue Xplorer Essential insurance?

The deductible is the Dollar amount that insured travelers need to pay for coverage before the Geoblue Xplorer Essential travel insurance actually starts to pay. Geoblue Xplorer Essential insurance has deductible options of $0, $1,000, $2,000, $5,000, $10,000

What are the key highlights of Geoblue Xplorer Essential insurance?

  • Have the same great benefits—worldwide coverage, excluding U.S., with a 50% savings.
  • Select providers in or out of our elite network.
  • 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

Who is eligible for Geoblue Xplorer Essential insurance plan?

  • 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.

What are the 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
  • 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
    Inpatient Mental Health
    100%
    Outpatient Mental Health
    100%, No Deductible
    Inpatient Substance Abuse
    100%
    Outpatient Substance Abuse
    100%, No Deductible $10 Copayment
  • 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%

What are the 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

What optional benefits are included in Xplorer Essential Insurance?

1. Basic U.S. Benefits Inside the U.S.

Coverage is limited to emergency medical care, illness and accidental injuries or prescriptions needs when you are temporarily visiting the United States and to a combined maximum of 3 trips of 21 days for each trip per calendar year this upgrade is not available for the Xplorer Essential 10,000 Plan.

2. Enhanced Prescription Benefits Inside the U.S.

The Enhanced Prescription Medication Benefit provides a more accessible and efficient method for acquiring your prescriptions while traveling, as well as offers a higher limit than the basic benefit.

3. Dental/Vision Rider Benefits

GeoBlue Dental and Vision benefits are designed to offer you coverage for common dental and vision care needs and to help you budget for dental services at all levels, preventive, basic and major.

Get quotes for GeoBlue Essential Premier Insurance!

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Xplorer Essential Insurance - FAQ's

1. Are GeoBlue 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. GeoBluetravel 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 GeoBlueprovide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.

2. Is GeoBlueTravel 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.

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

GeoBlueprovides 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 GeoBluetravel insurance plans.

4. Why should I buy travel insurance from GeoBlueTravel 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.

5. Who can buy Xplorer Essential plan?

  • Leisure traveler
  • Missionary traveler
  • Senior traveler
  • Study abroad
  • Teach abroad
  • Employers, church and missionary organizations
  • Universities/colleges
  • Embassies, expatriate websites, Chambers of Commerce
  • Exchange programs, study abroad programs, associations

6. What are the key highlights of Xplorer Essential insurance?

Following are some of the key benefits of buying Xplorer Essential short term travel health insurance

  • $1 Million limit
  • Covers expenses from Illness and accident
  • Emergency medical transportation
  • Lost luggage and post departure trip interruption coverage
  • Supplemental coverage
7. 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.

How can I buy Xplorer Essential travel insurance online?

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What are the Eligible States in the USA?

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