Plan highlights

• Worldwide coverage (excluding the United States)
• Free choice of doctors and hospitals
• Unlimited medical limit
• Deductible waived for doctor visits
• Maximum age to apply 74
• Renewal until age 84 
• Comprehensive hospitalization coverage
• Prescription medication coverage
• Coverage for medical evacuation and repatriation of remains
• Deductible waived for office visits and prescription medication
• No waiting periods associated with any preventive services
• Coverage for injuries or illnesses resulting from a terrorist act
• Coverage for pre-existing conditions with proof of prior creditable coverage
• Maternity benefits after 12 months of continuous coverage
• Free choice of doctor or hospital

Plan details

Xplorer Essential international health plan is designed to support the international lifestyle of those who do not need coverage in the United States and frequently travel to or from the United States for extended periods of time for business, leisure, or study. If you leave your home for six months or more, your health and financial security are at serious risk due to significant gaps in most available insurance coverage and services. This risk is heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.

Xplorer Essential is the ultimate international health plan that combines comprehensive benefits with a new generation of medical assistance services, including an impressive list of online and mobile tools which are used to identify, access, and pay for quality healthcare around the world.

Xplorer Essential also offers you the freedom to choose where you receive healthcare. You will also have access to an exclusive network of providers that cover almost every specialty in 180 countries. The providers are certified by the American or Royal College of Medicine and bill the insurance company directly, eliminating the need for you to file a claim and wait for a reimbursement.

Xplorer Essential is offered in cooperation with certain local Blue Cross Blue Shield companies which collectively cover one in three Americans. Benefits are underwritten by 4 Ever Life International Limited, an independent licensee of Blue Cross Blue Shield, which is rated A- (Excellent) by A.M. Best.

Download plan documents