Why Buy Annual Travel Insurance?

Annual travel insurance is perfect for the frequent traveler. It gives you the freedom to come and go as you please, and one application covers you for the entire year! Take as many trips as you like throughout the year, as long as the length of each trip doesn't exceed the option you selected — 30 or 45 days. 

Wander Frequent Traveler provides up to $1,000,000 of comprehensive medical coverage for travel outside of your home country,* along with an extensive network of providers and 24-hour travel assistance.

When you travel with Seven Corners, you take 20+ years of travel experience with you. Above all, we're here to help, no matter where you are! 

Important Information 
All applicants must maintain continuous medical insurance that provides coverage in your home country.

*What is my home country? It's the country where you have your true, fixed, and permanent home and principal establishment.

All benefits shown below are per period of coverage unless otherwise stated.

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.

Deductible $250 per person per covered trip

Coinsurance

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 Indemnity

$100/night for a maximum of 30 days per occurrence, when traveling outside the U.S. & Canada.

Dental (Sudden Relief of Pain) $250

Dental (Accident Coverage) $500 for accidents

Emergency Medical Evacuation/Repatriation $1,000,000

(in addition to the Medical Maximum)

Follow Me Home Coverage $5,000

Return Of Mortal Remains $50,000

Political Evacuation And Repatriation $50,000

Emergency Reunion $50,000

Return of Minor Children $50,000

Interruption Of Trip $5,000

Loss of Checked Luggage $500 per occurrence

Baggage Delay $250 per occurrence

Local Ambulance Expense $5,000

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)

$25,000 for the primary insured & insured spouse, $5,000 for dependent children; $250,000 maximum per family

Common Carrier Accidental Death

$50,000 for insured or insured spouse, $25,000 per child under 18 years; $250,000 maximum per family

Hospital Room & Board, Intensive Care, & Outpatient Medical Expenses

Usual, reasonable and customary to your medical maximum

Terrorism

Usual, reasonable and customary to $50,000

Waiver Of Pre-Existing Conditions: $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 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: 90 days

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.

Pre-Existing Conditions

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 policy. 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

U.S. citizens traveling outside the U.S. & Canada We pay up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months before your coverage began.

Heart Attack & Stroke Benefit

Non-U.S. citizens traveling inside the U.S. We pay the specified amount for each night you are hospitalized if you are admitted for a heart attack or stroke, regardless of whether the condition is pre-existing.

Rates Based On A $250 Deductible Per Person Per covered tip - Effective from December 1, 2013. $1,000,000 Medical Maximum.

Plan A - Maximum 30 Days Per Trip

Swipe chart to view all columns.
Traveling Inside the U.S. Traveling Outside the U.S.
Primary Insured $265.00 $195.00
Spouse and 2 Children* +$135.00 +$100.00
Each Additional Child +$51.00 +39.00

Plan B - Maximum 45 Days Per Trip

Swipe chart to view all columns.
Traveling Inside the U.S. Traveling Outside the U.S.
Primary Insured $320.00 $235.00
Spouse and 2 Children* +$165.00 +$120.00
Each Additional Child +$65.00 +50.00

* Your spouse must be listed as an insured to select this price.

Length of Coverage

Your policy period is 364 days.

Effective Date - Your policy begins on the latest of the following: 1) The date you request or 2) The date we receive & approve your application & payment.

Expiration Date - Your policy ends on the earlier of the following: 364 days after the effective date; the date you are no longer eligible for Wander; when the maximum benefit has been paid.

It is your responsibility to maintain all records regarding travel history, age, & student status & provide necessary documents to Seven Corners to verify eligibility if needed.

Pre-existing Conditions

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 policy. 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

U.S. citizens traveling outside the U.S. & Canada We pay up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months before your coverage began.

Heart Attack and Stroke Benefit

Non-U.S. citizens traveling inside the U.S. We pay the specified amount for each night you are hospitalized if you are admitted for a heart attack or stroke, regardless of whether the condition is pre-existing.

Filing A Claim

Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days, along with a completed claim form. Payments can be converted to a currency of your choosing. You’re only responsible for your deductible & coinsurance & any non-eligible expenses. Visit our claims page.

Refund of Premium/Cancellation

Refund of total plan cost will be considered if you provide a written request to Seven Corners before your effective date. If your request is received after your effective date, the unused portion of the plan cost may be refunded, minus a cancellation fee, if you have not submitted a claim.

Important Information

Please be aware this is not a general health insurance policy but an interim, limited benefit period, travel medical program intended for use while away from your home country.

This website is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.

It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven corner to verify your eligibility for coverage.

Patient Protection and Affordable Care Act: This insurance is not subject to, and does not provide certain insurance benefits required by the United States Patient Protection and Affordable Care Act (“PPACA”). The insurance benefits provided by this policy are stated in your policy documents and do not include additional benefits required by PPACA. The PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney, insurance agent or tax professional to determine if the PPACA’s requirements are applicable to you.

About Your Insurance Company

Seven Corners will handle your insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency and travel needs. We have 20+ years of experience serving the needs of travelers worldwide — We are here to help!

Wander® Frequent Traveler is underwritten by Certain Underwriters at Lloyd’s of London and Tramont Insurance Company Limited.

Seven Corners operates under the name, Seven Corners Insurance Services, in California.

Below is a summary of the exclusions. Please see your plan for a complete listing.

  1. Pre-existing conditions (see exceptions previously explained).
  2. Charges exceeding reasonable & customary amounts; surgeries or treatments which are investigational, experimental, for research purposes or non-medical;
  3. Claims not received within 90 days of the date of service;
  4. Expenses for vocational, occupational, sleep, speech, recreational or music therapy; mental & nervous disorder or rest cures; exercise programs
  5. Durable medical equipment;
  6. Expenses which are not medically necessary; treatment, services or supplies not administered & supervised by a physician or products that can be purchased without a doctor’s prescription;
  7. Suicide or attempted suicide, self destruction or any attempt thereof; intentionally self-inflicted injury or illness;
  8. Expenses related to a felony or any other criminal/illegal activity;
  9. Any consequence in connection with war, invasion, act of foreign enemy hostilities, warlike operations or civil war; nuclear, chemical, biological;
  10. Terrorist Activity exceeding $50,000 (as defined in program summary);
  11. Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
  12. Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice, conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.
  13. Routine physicals, inoculations, & other examinations;
  14. Temporomandibular joint;
  15. Chiropractic care or acupuncture;
  16. Services, supplies, or treatment prescribed, performed or provided by a relative of yours or anyone who lives with you;
  17. False teeth, dentures, dental appliances, normal ear tests, hearing aids, hearing implants, cosmetic or plastic surgery (including deviated nasal septum), routine dental expenses except as provided in the Dental Emergency benefit, eye refractions or eye exams for prescribing or fitting corrective lenses for eye-glasses unless caused by accidental bodily injury incurred while covered on this insurance; eyeglasses, contact lenses; eye surgery to correct nearsightedness, farsightedness or astigmatism; 18. Treatment related to alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic; injury while under the influence of or due to intoxicating liquor, chemicals, or drugs or narcotic agent, unless provided by a physician and taken as directed by the physician;
  18. Learning disabilities, attitudinal disorders, & disciplinary problems;
  19. Congenital abnormalities & conditions; related conditions;
  20. Expenses for a hospital emergency room visit not of an emergency nature;
  21. Injury while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, motorcycle/motor scooter riding (as passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, snow skiing and snow boarding, & any other sport, recreational, athletic, or adventure activity undertaken for thrill seeking, exposing you to abnormal or extreme risk of injury &/or is in violation of applicable laws, rules, or regulations; (See Optional Hazardous Sports Coverage to include some of these sports.)
  22. Treatment covered by other individual, government, or group policy or charges provided at no cost to you;
  23. Venereal or sexually transmitted disease;
  24. Pregnancy expenses; illness due to pregnancy, childbirth, or miscarriage; miscarriage due to an accident or complications of pregnancy; postnatal care;
  25. Drug, treatment or procedure that promotes or prevents conception or prevents childbirth;
  26. Expenses incurred while you are in your Home Country (unless covered under the Follow Me Home benefit);
  27. Expenses incurred when traveling to seek medical treatment or after your physician has limited or restricted travel;
  28. Charges incurred while confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment in any establishment for the care of the aged;
  29. Human organ tissue transplants & related treatment;
  30. Weight reduction programs or the surgical treatment of obesity;
  31. Modifications of the physical body to improve your psychological, mental or emotional well-being;
  32. Occupational Diseases, including but not limited to Disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
  33. Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV);
  34. Treatment required as a result of complications or consequences of a treatment or condition not covered;
  35. Charges for travel accommodations, except as provided by the Local Ambulance, Emergency Medical, Political Evacuation, Return of Mortal Remains, Return of Minor Children, Emergency Reunion, Natural Disaster, & Interruption of Trip sections of this insurance;
  36. Diagnosis or treatment due to exposure to non-medical nuclear radiation &/or radioactive materials;
  37. Diagnosis or treatment for acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin, nevus;
  38. Treatment of sleep apnea or other sleep disorders.

Pre-existing conditions – Pre-existing conditions are normally not covered on travel medical plans. Liaison Continent provides this coverage in two separate benefits explained below.

Unexpected recurrence – U.S. Residents traveling outside the United States & Canada
We pay up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage.

Acute onset – Non U.S. Residents under age 70 traveling in the United States
We pay up to $45,000 (ages 65-69 limited to $2,000) for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, & if you receive treatment in the United States within 24 hours of the sudden & unexpected recurrence.

Coverage is available for eligible medical expenses until the condition is no longer acute or you are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, we provide up to $25,000 for emergency medical evacuation.

An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A pre-existing condition will not be considered an acute onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to arrival in the United States and prior to the coverage start date.

 

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