Annual Travel Insurance for Coronavirus | Seven Corners
 

Wander® Frequent Traveler Plus – Annual Travel Insurance

Annual Multi Trip Travel Insurance with Coronavirus Coverage

Why Should You Consider Annual Travel Insurance for Coronavirus?

The world has changed, and travel is different now. You need travel insurance to protect you if you contract COVID-19 on an international trip.

And if you travel abroad frequently, you also need the convenience of annual coverage for multiple trips. Wander Frequent Traveler Plus meets both of those needs.

Specialized COVID-19 Coverage: Wander Frequent Traveler Plus covers up to $100,000* in medical expenses for:

  • COVID-19 (the disease);
  • SARS-Cov-2; and
  • Any mutation or variation of SARS-CoV-2.

The plan also has an additional $1 million for emergency medical evacuation and repatriation. If medically necessary, we will transport you to a facility with appropriate care.

Convenience: Purchase coverage once a year and travel as often as you like. You can customize your coverage by selecting your trip length, choosing from 30-, 45-, and 60-day trip lengths.

*Travelers 65 to 74 years old are limited to $50,000.
Coverage begins when you depart your home country.
Wander Frequent Traveler Plus requires you to maintain continuous medical coverage in your home country.

Annual Coronavirus Travel Insurance Benefits

All yearly travel insurance 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.

Plan Options

364 days

Coverage Area

Worldwide including the United States
Worldwide excluding the United States

Ages 14 days to 64 years old: $1,000,000 
Ages 65 to 74 years old: $50,000 

$0; $250; $500 (per covered trip)

Coinsurance Options
(The plan pays)

Inside the United States
We pay 90% of the first $5,000, then 100% to the medical maximum.

Outside the United States
We pay 100%.
Medical

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

Age 14 days to 64 years old: $100,000
Age 65 to 74 years old: $50,000

Local Ambulance

Up to the medical maximum

Urgent Care Visits

URC up to the medical maximum
$15 copay

Physiotherapy and Chiropractic Care

$50 per visit, 10 visits maximum

$100 per day, 10-day limit per occurrence

$5,000

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

Ages 14 days to 64 years old: $20,000
Ages 65 to 74 years old: $2,500

$200 per day
$3,000 maximum

Dental
$250
Up to medical maximum
Vision
$100 per occurrence
$50 copay
Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.
$1,000,000 (separate from medical maximum)
$200 per day, 10-day limit / $50,000 maximum limit
$50,000
$50,000
$5,000
$50,000
$100 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 Dependent Child(ren): $5,000 Principal Sum
(aggregate limit of $250,000 for total number of insureds on the plan)

Primary Insured or Eligible Spouse: $50,000 Principal Sum
Eligible Dependent Child(ren): $25,000 Principal Sum
(aggregate limit of $250,000 for total number of insureds on the plan)

Other Travel Benefits
$50 per article
$500 per occurrence
$250 per occurrence
$5,000
$100 per day, 2-day limit per occurrence
$200
$550
$25,000
Optional Coverage
Up to medical maximum
Benefit Period
90 days

How Annual Travel Insurance for Coronavirus 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 annual travel medical insurance plan. We recommend you read your plan document, so you understand how your Wander Frequent Traveler Plus plan works.

Who Can Buy a Wander Frequent Traveler Plus Plan?

To buy coverage, you must be at least 14 days old and under the age of 75. You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, and unmarried dependent children under the age of 19.

Everyone listed on the plan must maintain continuous medical insurance* that provides coverage in their home country.**

How Does the Plan Work?

You are covered when traveling outside of your home country on a covered trip.*** You select your covered trip length when you buy your plan. Options include: 30-day trips, 45-day trips, 60-day trips.

*Continuous medical insurance refers to a primary health plan. It is a group health benefit plan, an individual health benefit plan, or a governmental health plan (not Medicaid, Medicare, and V.A. health plans) designed to be the first payor of claims in effect before this plan begins and continuing as long as this plan does. Such plans must have coverage limits in excess of $50,000 per incident or per year.

**What is my home country? For non-United States citizens, home country is the country where you have your permanent residence. For United States citizens, home country is always the United States.

***A covered trip is a period of travel outside your home country with defined departure and return dates. It begins when you depart your home country and ends when you return to your home country or the moment you remain outside your home country beyond the covered trip length option you purchased.

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.

Underwriter

Wander® Frequent Traveler Plus has strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Rest assured, your coverage will be there when you need it.

1 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 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 travel needs.

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.

Length of Yearly Travel Coverage

Coverage Length — Your period of coverage is 364 days.

Effective Date — This is the start date of your plan, which begins on the latest of the following:

  1. 12 a.m. the day after we receive your application and correct payment; or
  2. 12 a.m. on the date you request when you purchase your plan.

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

  1. 11:59 p.m. on the date you reach the maximum period of coverage;
  2. 11:59 p.m. on the date shown on your ID card;
  3. 11:59 p.m. on the date that is the end of the period for which you paid; or
  4. 4) The moment you are no longer eligible for coverage.

Covered Trips — You are covered for each trip as follows while traveling outside your home country:

  1. If you bought the 30-day Covered Trip Length, you are covered for trips of 30 days or less;
  2. If you bought the 45-day Covered Trip Length, you are covered for trips of 45 days or less;
  3. If you bought the 60-day Covered Trip Length, you are covered for trips of 60 days or less.
Coverage for each covered trip starts the moment you depart your home country.

Coverage for each covered trip ends the earliest of:

  1. The certificate end date;
  2. 11:59 p.m. on the last day of any covered trip;
  3. The moment you arrive in your home country except as provided by Extension of Benefits in the Home Country; or
  4. The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time.

Extending Your Coverage

At the end of 364 days of coverage, you may buy a new plan to cover you for your next year of travel.

We will email you a reminder to let you know your coverage is coming to an end, so you can buy a new plan.


Refund Policy for Annual Travel Insurance Plan

We will refund your payment if we receive your written request for a refund before your effective date of coverage. We cannot provide a refund after your coverage has begun.


Excess Insurance

All coverages except Common Carrier Accidental Death and Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted.

This plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Pre-existing Conditions Coverage for Annual Coronavirus Travel Insurance

What is a pre-existing condition?

It is 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 the plan.

*For insured persons traveling outside the United States, the period is 12 months instead of 36 months.

How do we cover pre-existing conditions?

Pre-existing conditions are often not covered by travel insurance. We provide coverage for them in two different ways.

Myocardial Infarction (Heart Attack) and Stroke
Non-United States citizens traveling inside the United States
This plan can pay the stated amount for each night you are hospitalized in the United States for a heart attack or stroke.

Acute Onset of Pre-existing Conditions
United States citizens traveling outside the United States
This plan can pay for eligible medical expenses incurred outside the United States for pre-existing conditions.

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:

  • That occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care;
  • That occurs while you are covered, after the 72-hour (3-day) waiting period, and
  • 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 departure from the U.S. 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.

Wander Frequent Traveler Plus Plan Exclusions

  • Pre-Existing Condition(s) except as waived under Acute Onset of Pre-existing Condition(s), Myocardial Infarction and Stroke 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) is 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;
  • 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 that optional benefit;
  • 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 terrorism such as: 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 Extension of Benefits to Your 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 (ii) 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;
  • 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.

The exclusions below apply to these benefits: Medical Covered Expenses, Local Ambulance, Hospital Daily Indemnity, Extension of Benefits in Home Country, COVID-19 Treatment, Dental Emergency — Sudden Relief of Pain, Dental Emergency — Accident, Emergency Eye Exam, 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, Travel Delay, and Optional Coverage — Hazardous Activities. These exclusions exclude expenses that are for, resulting from, related to, or incurred for those exclusions listed above.

Wander Frequent Traveler Plus Plan Warnings

Geographic Restrictions

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).

Destination Restrictions — We cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People's Republic of Korea (North Korea).

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 a Wander Frequent Traveler Plus Claim

For a claim to be payable, it must meet the terms and conditions in the Wander Frequent Traveler 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.

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.

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317-818-2808 (worldwide)

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