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International Health Insurance

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Xplorer international health plan is designed to support the international lifestyles of those who travel to or from the United States for extended periods for business, leisure and study. If you leave 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 is the ultimate international health plan that combines comprehensive benefits with a new generation of medical assistance services including an impressive array of online and mobile tools which are used to identify, access and pay for quality healthcare around the world. You can choose to include coverage inside the United States with Xplorer Premier, or exclude by selecting Xplorer Essential.

Xplorer offers you the freedom to choose where you receive healthcare outside the United States. You will also have access to an exclusive provider network that covers almost every specialty in 180 countries. These providers are certified by the American or Royal College of Medicine. Inside the United States, Xplorer Premier members have access to the full Blue Cross Blue Shield Blue Card Network in all 50 States. This network includes more than 80 percent of physicians and 90 percent of hospitals. These providers will bill the insurance company directly, eliminating the need to file a claim and wait for reimbursement.

Xplorer is offered in cooperation with certain local Blue Cross Blue Shield companies which collectively cover 1 in 3 Americans. Benefits are underwritten by 4 Ever Life Insurance Company, an independent licensee of Blue Cross Blue Shield, and has an A- (Excellent) rating by A.M. Best.

  • Worldwide coverage including or excluding the United States
  • Unlimited annual and lifetime maximum
  • Comprehensive hospitalization coverage
  • Prescription medication coverage
  • Coverage for medical evacuation and repatriation of remains
  • Deductible waived for office visits
  • No waiting periods associated with any preventive services
  • No limit on time spent in any country
  • 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
  • Access to Blue Cross Blue Shield's Blue Card Network in all 50 States
**Quick Quotes are estimates determined from information you provide. For a more accurate quote or policy cost, please review rate sheets for the plan you want, continue to request a quote, or begin applying for coverage.