Worldwide Travel Health Insurance plans for Individuals and Families |
Home | Cigna Global Insurance | Geo Blue Xplorer | International Medical Group (IMG) |
GeoBlue Xplorer Health Insurance for Individuals & Families up to age 74
GeoBlue has two Expat Worldwide Medical Coverage plans for US Citizens and Residents:
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| Meet GeoBlue, a better kind of care for world travelers like you. You will experience unsurpassed service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone you are in. If you’re a family that’s relocating, an expatriate or a global citizen, the GeoBlue Xplorer Health Plans give you access to Elite International Doctors & Hospitals in their large Global Provider Community. | ||
| Plan Names | Xplorer Essential Worldwide with Basic or No USA Coverage |
Xplorer Premier Worldwide with Comprehensive Coverage |
| Plan Highlights |  Complete health insurance plans that you can use anywhere in the world. Annual plan for individuals and families who intend to be outside their home country for at least 3 months a year. No waiting periods associated with any preventive services, such as doctor office visits and routine physicals. Unlimited annual and lifetime medical maximum. Immediate coverage of pre-existing conditions with proof of previous coverage during the six months before the start date of your plan. Deductible waived for office visits, Preventive care, prescriptions and more. Includes prescription coverage with optional enhanced prescription benefits. Optional dental and vision coverage. Unlimited telemedicine services. The GeoBlue Xplorer plans meet all Schengen Visa requirements. Continuous coverage for spouse and dependents in the event of subscriber death for up to 24 months. |
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| Secure online quote form links | Xplorer Essential | Xplorer Premier |
The GeoBlue Xplorer Plans combine comprehensive worldwide benefits with a new generation of medical assistance services. These services include an impressive array of online and mobile tools that allow subscribers to identify, access, and pay for quality healthcare worldwide.
Geographic restrictions:
- U.S. State Restrictions: GeoBlue Xplorer products are not available to those residing in New York, Maryland, Washington, and South Dakota.
- Country Restrictions: GeoBlue Xplorer products are not available to those residing in Afghanistan, Burkina Faso, Central African Republic, DRC, Chad, Cuba, Haiti, Iran, Iraq, Ivory Coast, Libya, Mali, Niger, North Korea, Pakistan, Palestine, Somalia, South Sudan, Sudan, Venezuela, and Yemen.
Not eligible for GeoBlue Xplorer? Click here to see Cigna Global and here to see IMG Global.
View or Download the Xplorer Essential and Xplorer Premier Descriptions of Coverage: |
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| GeoBlue Xplorer Essential Description of Coverage Basic US Benefits Upgrade wording |
GeoBlue Xplorer Premier Description of Coverage |
| A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired GeoBlue Xplorer Essential or Xplorer Premier Certificate of Coverage. You can view or download GeoBlue Xplorer Certificates with the free Adobe Acrobat Reader. | |
Ready to find out more? It’s easy (and safe) to get Xplorer quotes online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
GeoBlue Xplorer Premier Benefit Schedule |
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| Secure online quote form link | Xplorer Premier | ||
| GeoBlue Xplorer Premier has three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.; 60% out-of-network inside the U.S. All plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. The Out-of-Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. | |||
| Benefits | Outside U.S. | U.S. (In-Network) | U.S. (Outside Network) |
| Primary and Preventive Care – Insurer Waives Deductible | |||
| Primary Care Office Visits | All except a $10 copay per visit (Copay waived when visiting a GeoBlue contracted provider outside the U.S. ) | All except a $30 copay per visit | 60% to Coinsurance Maximum then 100% |
| Preventive Care for Babies/Children: (Birth through Age 18) for Office Visits/Examination and Immunizations, Lab work & X-rays done in conjunction with an office visit | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Preventive Care For Adults: (Age 19 and Older) for Office Visits/examination, Immunizations as recommended by the Center for Disease Control (CDC), Routine Pap Smears, Annual Mammogram, PSA For Men, and Diagnostic lab work & X-rays done in conjunction with an office visit | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Annual Physical Examination/Health Screening, Subject to a Calendar Year Maximum of $750 and limited to one per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Urgent Care Facility | 100% | All except a $75 copay per visit | 60% to Coinsurance Maximum then 100% |
| Travel Vaccinations, Subject to a $500 Maximum per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Professional Services – Insurer Pays After Deductible is Met | |||
| 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 Hospital Services – Insurer Pays After Deductible is Met | |||
| Surgery, X-rays, In-hospital Doctor Visits, Organ/Tissue Transplant | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Inpatient Medical Emergency | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Inpatient Drugs | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Ambulatory and Therapeutic Services – Insurer Pays After Deductible is Met, Unless Noted | |||
| 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 calendar year, $200 per tooth | $1,000 per calendar year, $200 per tooth | $1,000 per calendar year, $200 per tooth |
| Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| 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, Limited to 12 visits per Calendar Year | 100%, no deductible | 100%, no deductible | 100%, no deductible |
| Inpatient Mental Health | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Outpatient Mental Health | 100%, no deductible, $10 Copayment1 | 100%, no deductible, $30 Copayment | 60% to Coinsurance Maximum then 100%, no deductible |
| Inpatient Substance Abuse | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Outpatient Substance Abuse | 100%, no deductible, $10 Copayment1 | 100%, no deductible, $30 Copayment | 60% to Coinsurance Maximum then 100%, no deductible |
| Prescription Drug Benefit Options – Insurer Waives Deductible | |||
| Basic Prescription Drug Benefit, Subject to $1,000 Maximum per Insured Person per Calendar Year (Pay and claim benefit only) | 100% of actual charges | 100% of actual charges | 100% of actual charges |
| Optional rider, subject to $25,000 Maximum per Insured Person per Calendar Year, Max 90-day supply | 100% of actual charges | Generics: 100% after $10 copay per 30-day supply Brand name: 100% after $10 copay per 30-day supply Injectables: 70% |
Generics: 100% after $10 copay per 30-day supply Brand name: 100% after $10 copay per 30-day supply Injectables: 70% |
| Global Travel Benefits – Insurer Waives Deductible | |||
| Emergency Medical Transportation | Up to $250,000 | n/a | n/a |
| Repatriation of Mortal Remains | Up to $25,000 | n/a | n/a |
| Accidental Death and Dismemberment | $50,000 | $50,000 | $50,000 |
| Other Benefits – Insurer Pays After Deductible is Met | |||
| Home Health Care, Subject to a maximum of 30 visits per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Hospice, Subject to a maximum of $5,000 per lifetime | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Secure online quote form link | Xplorer Premier | ||
Ready to find out more? It’s easy (and safe) to get Xplorer quotes online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
GeoBlue Xplorer Essential Benefit Schedule |
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| Secure online quote form link | Xplorer Essential | ||
| GeoBlue Xplorer Essential covers most services outside the U.S. at 100%. All plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. | |||
| Benefits | Outside U.S. Only | ||
| Primary and Preventive Care – Insurer Waives Deductible | |||
| Primary Care Office Visits | All except a $10 copay per visit1 | ||
| Preventive Care for Babies/Children: (Birth through Age 18) for Office Visits/Examination and Immunizations, Lab work & X-rays done in conjunction with an office visit | 100% | ||
| Preventive Care For Adults: (Age 19 and Older) for Office Visits/examination, Immunizations as recommended by the Center for Disease Control (CDC), Routine Pap Smears, Annual Mammogram, PSA For Men, and Diagnostic lab work & X-rays done in conjunction with an office visit | 100% | ||
| Annual Physical Examination/Health Screening, Subject to a Calendar Year Maximum of $750 and limited to one per Calendar Year | 100% | ||
| Travel Vaccinations, Subject to a $500 Maximum per Calendar Year | 100% | ||
| Professional Services – Insurer Pays After Deductible is Met | |||
| Surgery, Anesthesia, Radiation Therapy, In-hospital Doctor Visits, Diagnostic X-ray and Lab Work | 100% | ||
| Inpatient Hospital Services – Insurer Pays After Deductible is Met | |||
| Surgery, X-rays, In-hospital Doctor Visits, Organ/Tissue Transplant | 100% | ||
| Inpatient Medical Emergency | 100% | ||
| Inpatient Drugs | 100% | ||
| Ambulatory and Therapeutic Services – Insurer Pays After Deductible is Met, Unless Noted | |||
| Ambulatory Surgical Center | 100% | ||
| Ambulance Service | 100% | ||
| Accidental Dental | $1,000 per calendar year, $200 per tooth | ||
| Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician | 100% | ||
| Durable Medical Equipment | 100% | ||
| Infusion Therapy | 100% | ||
| Physical/Occupational Therapy, Limited to 12 visits per Calendar Year | 100%, no deductible | ||
| Inpatient Mental Health | 100% | ||
| Outpatient Mental Health | 100%, no deductible, $10 Copayment1 | ||
| Inpatient Substance Abuse | 100% | ||
| Outpatient Substance Abuse | 100%, no deductible, $10 Copayment1 | ||
| Prescription Drug Benefit Options – Insurer Waives Deductible | |||
| Basic Prescription Drug Benefit, Subject to $1,000 Maximum per Insured Person per Calendar Year (pay and claim benefit only) | 100% of actual charges | ||
| Optional Enhanced Prescription Drug Rider, Subject to $25,000 Maximum per Insured Person per Calendar Year | 100% of actual charges | ||
| Global Travel Benefits – Insurer Waives Deductible | |||
| Emergency Medical Transportation | Up to $250,000 | ||
| Repatriation of Mortal Remains | Up to $25,000 | ||
| Accidental Death and Dismemberment | $50,000 | ||
| Other Benefits | |||
| 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% | ||
| Secure online quote form link | Xplorer Essential | ||
| Optional Basic U.S. Benefits – Deductible Applies2 | Inside U.S. Only |
| Basic travel accident and sickness coverage inside the U.S. for short trips to the U.S. Covers incidental illness and injury. Not designed to cover preventive, elective care or extended stays in the U.S. | 100%, 80%, or 60% (depending upon services received) of actual charges up to $1,000,000 / $500 maximum for pre-existing medical conditions |
See above for GeoBlue Xplorer Premier Benefit Schedule. This is intended to be a sample benefit schedule. Changes may occur to benefits, rates and terms annually.
- Copay waived when visiting a GeoBlue contracted provider outside the U.S.
- Separate definitions, terms and exclusions apply to this rider. See full plan description online for details.
Ready to find out more? It’s easy (and safe) to get Xplorer quotes online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Who is Eligible?
The GeoBlue Xplorer Essential and Premier plans are designed for U.S. citizens moving abroad and non-U.S. residents moving to the United States. Policyholders must be 74 years or younger at the time of application. An employee of a U.S. company is also eligible if the company is domiciled in a U.S. state and the company pays the insurance premium.
Policyholders must live outside of their home country for three months or longer. GeoBlue Xplorer plans are extendable as long as eligibility requirements are continuously met.
Eligible dependents:
- A spouse or partner of the eligible policyholder
- An eligible policyholder’s own or spouse’s/partner’s unmarried, natural child, stepchild, or legally adopted child who has not yet reached age 26
Note: TripInsuranceStore.com is an authorized agent of GeoBlue Insurance and is licensed to sell their international health insurance plans along with the GeoBlue Travel Insurance plans.
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
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