Worldwide Travel Health Insurance plans for Individuals and Families

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GeoBlue Xplorer Health Insurance for Individuals & Families up to age 74

GeoBlue has two Expat Worldwide Medical Coverage plans for US Citizens and Residents:
The Xplorer Essential and Premier

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.
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:

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

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

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.

  1. Copay waived when visiting a GeoBlue contracted provider outside the U.S.
  2. 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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