Coronavirus Visitors Health Insurance | Seven Corners
 

Explore North America Plus — Coronavirus Travel Insurance

Specialized visitors medical COVID insurance for up to one year.

Does travel insurance cover COVID-19 illness?

Explore North America Plus has a special benefit for Coronavirus medical expenses, and it’s not affected by travel advisories. It’s simple — if you contract COVID-19 on your trip, you’re covered. You can also be covered for other illnesses and injuries that occur while traveling, as well as the acute onset of a pre-existing condition.*

This plan includes 24/7 multilingual travel assistance services to answer your benefit questions, help you find medical care, and arrange emergency benefits such as an emergency medical evacuation. And in the United States, you have access to a PPO network, so you can find the care you need nearby.

Explore North America Plus is a great value not only because it covers COVID-19 expenses but also because it has comprehensive coverage instead of the more restrictive scheduled benefit coverage often provided on visitors insurance.

We recommend ensuring you're healthy before traveling. The COVID-19 benefit is subject to all plan conditions, including requirements for pre-existing conditions, meaning COVID-19 is not covered if you contract it before your plan begins. 

Who can buy visitors insurance? You must be a non-United States resident and a non-United States citizen traveling to the United States, Canada, Mexico, and certain Caribbean countries.** Coverage is available for travelers who are at least 14 days old and younger than 75 years.

*Review coverage details for Acute Onset of a Pre-existing Condition. Coverage begins seven days after the start date of your plan and ends on the earlier of 1) the condition no longer being acute or 2) your discharge from the hospital.

Explore North America Plus has comprehensive coverage — most visitor insurance plans don’t!

Visitors Medical Insurance Benefits

All benefits listed in this Schedule of Benefits are in United States Dollar amounts. All medical and dental benefits are subject to deductible and/or copay and coinsurance. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.

5 days to 364 days

Your coverage length may vary from 5 days to 364 days, and it is extendable for a maximum of 364 days.

Extendable for a total of up to 364 days.

U.S., Canada, Mexico, and unrestricted Caribbean countries*

Ages 14 days to 69 years:
$50,000, $100,000, $500,000, $1,000,000
Ages 70 to 74 years:
$50,000, $100,000
Ages 75 years and older:
Visit Explore North America for travel insurance for USA visitors.

$0, $100, $250, $500, $1,000
We pay 100%.
Medical

Usual, Reasonable and Customary (URC) up to the medical maximum

URC up to medical maximum
or $100,000; whichever is less.

Emergency Room Services

URC up to medical maximum
$100 copay

Urgent Care Visit

URC up to medical maximum
$20 copay

Physiotherapy

Inpatient:  URC up to medical maximum
Outpatient:  $50 maximum per visit

Local Ambulance

Up to medical maximum

$150 per day, 30-day limit

$25,000 (separate from medical maximum)

$10,000 (separate from the medical maximum)

Required inside the United States for specific types of treatment. Penalty does not apply to emergencies.

$10,000

Ages 14 days to 69 years old: $50,000
Ages 70 to 74 years old: $5,000

Dental

$200

$5,000

Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.
$500,000 (separate from the medical maximum)
$200 per day, 10-day limit / $50,000 maximum
$50,000
$50,000
$5,000
$50,000
$150 per day, 5-day limit
$10,000
$50,000
Included
Accidental Death and Dismemberment (AD&D)

Primary Insured or Eligible Spouse: 
$25,000 Principal Sum
Eligible Dependant Child(ren): 
$5,000 Principal Sum


(aggregate limit of up to $250,000 for total number of insureds on the plan)

Primary Insured or Eligible Spouse: 
$50,000 Principal Sum
Eligible Dependant Child(ren): 
$10,000 Principal Sum

(aggregate limit of up to $250,000 for total number of insureds on the plan)

Luggage, trip interruption, documents, & personal liability
$50 per article
$500 per occurrence
$5,000
$100
$50,000
Optional Coverage
Up to medical maximum
Plan Information

180 days (or 6 months)

This is the amount of time (180 days) you have from the date of your injury or illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country.

**The Caribbean countries where you can travel and be covered by Explore North America Plus include: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Belize, British Virgin Islands, Caribbean Netherlands, Cayman Islands, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Guyana, Haiti, Jamaica, Martinique , Montserrat, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Saint Maarten, Suriname, Trinidad and Tobago, Turks and Caicos. The plan does not cover trips to Cuba.

How Visitors Insurance with Coronavirus Coverage Works

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for our visitors insurance plan. We recommend you read your plan document, so you understand how your Explore North America Plus insurance plan works.

Who Can Buy an Explore North America Plus Plan?

Everyone covered on the plan must be a non-United States resident and a non-United States citizen at least 14 days of age and younger than 75 years. You may buy coverage for yourself, your spouse, and your children who are at least 14 days old and younger than 19 years.

Where Can I Travel?

You must travel outside of your home country, which is the country where you have your permanent residence. Also, your trip destination must include the United States, Canada, Mexico, or unrestricted Caribbean countries.*

United States citizens, including those with dual citizenship that includes the United States, cannot buy an Explore North America Plus plan.

*The Caribbean countries where you can travel and be covered by Explore North America Plus include: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Belize, British Virgin Islands, Caribbean Netherlands, Cayman Islands, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Guyana, Haiti, Jamaica, Martinique , Montserrat, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Saint Maarten, Suriname, Trinidad and Tobago, Turks and Caicos. The plan does not cover trips to Cuba.

Finding Medical Providers

Network providers can be located at: sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist.

Inside the United States — We offer an extensive network of providers with special network pricing and potential savings for you.

Outside of the United States — Seven Corners has a large international directory of providers, and many of them will bill Seven Corners direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

Refund Policy for Visitor Health Insurance Plans

We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to Seven Corners.

Underwriter

You can feel confident with Explore North Plus' strong financial backing through Certain Underwriters at Lloyd’s, London* an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.

*In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.

About Your Insurance Company

Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency or travel needs.

Length of Coverage

Coverage Length — This may vary from 5 days to 364 days.

Effective Date — This is the start date of your plan, on the later of the following:

  1. 12 a.m. the day after we receive your application and correct payment;
  2. The moment you depart your home country;
  3. 12 a.m. on the date you request.

Expiration Date — This is the date coverage for you ends, which is the earliest of the following:

  1. The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
  2. 11:59 p.m. on the date you reach the maximum period of coverage;
  3. 11:59 p.m. on the date shown on your ID card;
  4. 11:59 p.m. on the date that is the end of the period for which you paid; or
  5. The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time.

Extending Your Coverage

You may extend your coverage by a minimum of 5 days and up to 364 days. You may not exceed 364 total days of coverage.

When you extend coverage, your original effective date will continue to be used to determine if maximum coverage amounts have been reached and to determine pre-existing conditions. Your medical maximum does not begin again when you extend coverage.

We will email you an extension (renewal) notice before your coverage ends, giving you the option to extend your plan.

Excess Insurance

All coverages except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.


Good Faith Efforts

Seven Corners will make good faith efforts to provide the services and assistance described in this brochure. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.

Pre-existing Conditions Coverage for Explore North America Plus Insurance

What is a pre-existing condition?

Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental Illness or mental or nervous disorder including congenital, chronic, subsequent, or recurring complications or related consequences or resulting consequences that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not 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 or 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 immediately preceding the start date of this plan.

How do we cover pre-existing conditions?

Many travel insurance plans do not cover pre-existing conditions. Explore North America Plus covers them through the acute onset of a preexisting conditions benefit.

Coverage amounts vary by age. See the schedule of benefits for coverage amounts.

ACUTE ONSET OF PRE-EXISTING CONDITIONS

What is an acute onset of a pre-existing condition?

It is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

  1. That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
  2. That occurs while you are covered, after the 168-hour (7-day) waiting period, and
  3. For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A pre-existing condition is not an acute onset of a pre-existing condition if:

  1. The condition is chronic, congenital, or gradually becomes worse over time; or
  2. If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.
Coverage ends on the earlier of:
  1. The condition no longer being acute; or
  2. Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the United States, Mexico, Canada, and the unrestricted Caribbean countries* and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

*The Caribbean countries where you can travel and be covered by Explore North America Plus include: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Belize, British Virgin Islands, Caribbean Netherlands, Cayman Islands, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Guyana, Haiti, Jamaica, Martinique , Montserrat, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Saint Maarten, Suriname, Trinidad and Tobago, Turks and Caicos. The plan does not cover trips to Cuba.

Explore North America Plus Exclusions

Unless otherwise specifically covered by the plan, the exclusions below apply to these benefits: Medical Covered Expenses, Local Ambulance, Hospital Daily Indemnity, Coma, Incidental Trips to Home Country, Dental Emergency — Sudden Relief of Pain, Dental Emergency — Accident, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren), Return of Mortal Remains, Local Burial or Cremation, Natural Disaster Evacuation and Repatriation, Political Evacuation and Repatriation, Accidental Death and Dismemberment (AD&D), Common Carrier Accidental Death and Dismemberment, Trip Interruption, Optional Coverage — Hazardous Activities. These exclusions exclude expenses that are for, resulting from, related to, or incurred for the following:

  • Pre-existing Condition(s) except as waived under Acute Onset of Pre-exisiting Conditions and Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren) Return of Mortal Remains, Local Burial or Cremation;
  • Claims not received by the Company or Administrator within ninety (90) days of the date of service;
  • Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
  • Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
  • Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  • Chiropractic care or acupuncture;
  • Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  • Durable medical equipment;
  • False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eyeglasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
  • Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  • Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  • Vocational, occupational, sleep, speech, recreational, or music therapy;
  • Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postpartum care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, or sterilization or reversal thereof;
  • Sleep apnea or other sleep disorders;
  • Mental Illness and Mental and Nervous Disorders, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  • Congenital abnormalities and conditions arising out of or resulting therefrom;
  • Temporomandibular joint;
  • Occupational Diseases;
  • Exposure to non-medical nuclear radiation or radioactive materials;
  • Sexually transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  • Human organ or tissue transplants;
  • Exercise programs whether prescribed or recommended by a Physician or therapist;
  • Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
  • Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sexual reassignment Surgery;
  • Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  • Hazardous Activities unless You purchase optional Hazardous Activities coverage and then only for the activities covered under Hazardous Activities;
  • Injuries sustained while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
  • Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
  • Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
  • Terrorist Activity except as provided under the Terrorist Activity Benefit; War, Hostilities, or War-like Operations;
  • Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  • You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
  • Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
  • Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  • You while in Your Home Country unless covered under Incidental Trips to Home Country;
  • Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
  • Travel accommodations;
  • Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
  • Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  • Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
  • Participating in contests of speed or riding or driving in any type of competition;
  • Loss of life;
  • Long-term disability; or
  • Financial guarantee, financial default, bankruptcy, or insolvency risks.

  •  

Coronavirus Insurance Coverage Warnings

State Restrictions – We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions – We cannot accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People's Republic of Korea (North Korea).

Important Information and Destination Country Restrictions

Explore North America Plus is available to non-U.S. residents and non-U.S. citizens who are traveling outside their home country to the United States, Mexico, Canada, or Unrestricted Caribbean countries.*

*The Caribbean countries where you can travel and be covered by Explore North America Plus include: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Belize, British Virgin Islands, Caribbean Netherlands, Cayman Islands, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Guyana, Haiti, Jamaica, Martinique , Montserrat, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Saint Maarten, Suriname, Trinidad and Tobago, Turks and Caicos. The plan does not cover trips to Cuba.

PPACA Disclaimer

Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

How to File an Explore North America Plus Claim

For a claim to be payable, it must meet the terms and conditions in the Explore North America Plus plan document. In addition, you must submit a completed claim form to us within 90 days of the date of service.

Claims are paid two ways:

  1. We pay your provider if they did not require you to pay up front. To do this, we need an itemized bill from the provider along with a claim form completed by you.
  2. We reimburse you if you paid medical expenses up front. To do this, we need an itemized bill (showing you paid the expenses) along with a claim form completed by you.

Important: If you are traveling in the U.S. and visit a provider in network, please do not pay for services up front and instead allow the provider to bill Seven Corners. Your ID card will provide information about the PPO network in the United States.

  1. Gather your receipts, reports, and any other paperwork related to your claim.
    Use this document reference guide to help figure out what documents you need to gather.
  2. Select and complete the appropriate proof of loss form. You may fill out the claim form in Adobe Acrobat (PDF) or print the form to complete your claim. (How do I save a PDF form?)
  3. Submit your proof of loss from and other paperwork within 90 days:

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.

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

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

Our Promise to You

Don’t worry! With our money back pledge, you can cancel your coverage if you are not completely satisfied. A full refund is provided if you send us a written request for a refund before your coverage begins.

Contact Us



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24/7 Travel Assistance

1-800-690-6295

317-818-2808 (worldwide)

317-818-2809 (collect)

Includes 24 hour multilingual travel assistance, help finding a provider, and evacuation if necessary.

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