All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.
Medical MaximumWe cover injuries and illnesses which occur during your period of coverage. Benefits are paid in excess of your deductible and coinsurance up to your medical maximum.
$1,000,000 medical maximum
Insureds age 65 to 75 traveling inside the United States are limited to $50,000.
Insureds age 70 to 75 traveling outside the United States are limited to $100,000.
DeductibleThe amount you are responsible for paying. We offer an extensive network of providers with special network pricing and potential savings for you.
$250 per person per covered trip
CoinsuranceAfter you pay the deductible, we pay 100% medical maximum and, in the United States and Canada only, 90% of the next $5,000 of eligible expenses.
Inside the United States and Canada After you pay the deductible, we pay 90% of the next $5,000 of eligible expenses, then 100% to your medical maximum.
Outside the United States and Canada After you pay the deductible, we pay 100% to your medical maximum.
Hospital IndemnityIf hospitalized while traveling outside the United States or Canada, you will receive $100 each night you are in the hospital. You may use these incidental funds as you wish.
$100/night for a maximum of 30 days per occurrence, when traveling outside the U.S. & Canada.
Dental (Sudden Relief of Pain)
Dental (Accident Coverage)
$500 for accidents
Emergency Medical Evacuation & RepatriationIf medically necessary, we will 1) transport you to adequate medical facilities; and 2) transport you home after receiving medical treatment related to a medical evacuation.
$1,000,000 (in addition to the Medical Maximum)
Follow Me Home CoverageCovers expenses incurred in your home country for conditions first diagnosed and treated outside your home country while you are on a covered trip.
Return Of Mortal RemainsWe will return your remains to your residence if you die while traveling.
Political Evacuation And RepatriationIf a formal recommendation is made for you to leave your host country, or if you are expelled or declared persona non-grata by the host country, we will transport you to your home country. This benefit is not available if a Travel Advisory or Travel Warning is issued before your arrival in that country or if the country is listed as an Excluded Country before your arrival there. Benefits are payable only if arrangements are made by Seven Corners Assist.
Emergency ReunionIf you require an emergency medical evacuation, we will send one person of your choice to be at your side while you are hospitalized.
Return of Minor ChildrenIf you are traveling alone with child(ren) and are hospitalized because of a covered illness/injury, we will transport the child(ren) home with an escort.
Interruption of Trip Maximum Benefit Amount: $5,000. If the Insured is unable to continue the Trip due to the death of a parent, spouse, sibling or child; or due to serious damage to the Insured’s principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the program will reimburse the Insured for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits
Loss of Checked LuggageCovers loss, theft, and damage to baggage and personal effects.
$500 per occurrence
Baggage DelayPays you if checked baggage is delayed or misdirected by common carrier.
$250 per occurrence
Local Ambulance ExpensePays for ambulance ride in host country.
Emergency Room Illness without In-Patient Hospitalization
Usual, reasonable and customary to the selected Medical Maximum & subject to an additional $250 deductible
Accidental Death & Dismemberment (AD&D)Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring on your trip.
$25,000 for the primary insured & insured spouse, $5,000 for dependent children; $250,000 maximum per family
Common Carrier Accidental DeathPays for death, loss of limbs, or loss of sight due to an accident which occurs when you are riding, boarding, or alighting from a common carrier.
$50,000 for insured or insured spouse, $25,000 per child under 18 years; $250,000 maximum per family
Hazardous Sports Coverage (optional)Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that You are SSI, PADI, or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established an accepted routine means of public transportation for hire in the specific geographic area where YOu are located in the Host Country.
To cover motorcycle/motor scooter riding (whether as a passenger or driver), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, snow boarding,and spelunking. Coverage is provided only if the required premium
has been paid.
Hospital Room & Board, Intensive Care, & Outpatient Medical Expenses
Usual, reasonable and customary to your medical maximum
TerrorismIf you are injured as a result of terrorist activity, we will provide benefits if 1) you have no direct or indirect involvement; 2) the terrorist activity is not a country or location where the United States government has issued a travel warning within 6 months prior to your date of arrival; and 3) you have not unreasonably failed or refused to depart a country or location following the date a warning is issued by the United States government.
Usual, reasonable and customary to $50,000
Pre-Existing ConditionsPre-existing conditions are normally not covered on travel medical plans. With wander, we provide this coverage in two separate benefits listed below.
Pre-existing conditions are normally not covered on travel medical plans. With Wander, we provide this coverage to you in two separate benefits explained below - Waiver of Pre-existing Conditions and Heart Attack & Stroke Benefit.
Pre-existing conditions are defined in detail in the plan document. A brief summary is shown here.
Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, that existed with reasonable medical certainty during the 36* months before your coverage on Wander began,
whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder,
for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36* months before the effective date.
*12 months for insured persons
traveling outside the U.S. & Canada.
Waiver Of Pre-Existing Conditions:Pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. Does not cover known, required, or an expected treatment of any kind existent or necessary for 12 months before your coverage began.
$20,000 per period of coverage for U.S. citizens when traveling outside the United States & Canada (refer to exclusion #1 for details). This benefit is limited to $2,500 for age 65 and over.
Heart Attack and Stroke Benefit:Non-U.S. citizens reimbursed when hospitalized for a heart attack or stroke. Up to $200 per day, maximum benefit of $3,000 per period of coverage.
Non-U.S. citizens receive $200 per day when hospitalized for a heart attack or stroke. Maximum benefit of $3,000 per period of coverage. (refer to exclusion #1 for details)
Benefit Period:The amount of time you have from the date of your injury/illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country.
What is a benefit period? It’s the amount of time you have from the date of your injury/illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country.
If you have returned home, there is limited coverage under the Follow Me Home benefit.
This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.