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
Coverage Length
Your period of coverage is 364 days.
Coverage Area
Worldwide including the United States
Worldwide excluding the United States
Medical Maximum Options
Ages 14 days to 64 years old: $1,000,000
Ages 65 to 74 years old: $50,000
Ages 75 years and older:
Visit Wander Frequent Traveler for
annual travel medical insurance.
We cover injuries and illnesses which occur during your coverage period while you are outside your home country. Benefits are paid in excess of your deductible, copays, and coinsurance, up to your medical maximum.
Initial treatment
must occur within 30 days of the date of injury or onset of illness.
Deductible Options
(You pay)
$0; $250; $500 (per covered trip)
This is the amount you are responsible for paying.
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
Hospital Room & Board, Inpatient Hospital Services, Outpatient Hospital / Clinical Services, Emergency Room Services, Doctor’s Office Visits, Prescription Drugs, Home Health Care
Usual, Reasonable, and Customary (URC) up to the medical maximum
URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details.
COVID-19 Treatment
Age 14 days to 64 years old: $100,000
Age 65 to 74 years old: $50,000
COVID-19 Medical Treatment — The plan covers medically necessary treatment for:
- COVID-19 (the disease);
- SARS-Cov-2 (the virus); and
- Any mutation or variation of SARS-CoV-2.
Travel assistance services, including Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation apply if you contract COVID-19 while covered
by this plan. See the description of those services for details explaining how they work.
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
Hospital Daily Indemnity
Outside the United States
$100 per day, 10-day limit per occurrence
If you are hospitalized while traveling outside of the United States, we will pay you for each night you spend in the hospital, up to 10 days. This benefit is in addition to other covered expenses, and you may use these incidental
funds as you wish.
Extension of Benefits to Home Country
This covers expenses incurred in your home country (including those following an emergency medical evacuation or repatriation) for conditions first diagnosed and treated outside your home country, if you seek treatment within 90 days
of the injury or illness. There is no coverage for pre-existing conditions.
Pre-certification — 25% penalty
Required inside the United States for specific types of treatment. Penalty does not apply to emergencies.
The following expenses must always be pre-certified in the United States:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET scans;
- Chemotherapy;
- Radiation therapy;
- Physiotherapy;
- Home infusion therapy; or
- Home Health Care.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your services, we will review them to determine if they are covered by the plan.
If you do not comply with the pre-certification requirements or if the services are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
- Eligible medical expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining 75%; and
- Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or reimbursement.
Contact information for Seven Corners Assist is provided on your ID card.
Acute Onset of Pre-existing Conditions
For United States residents traveling outside of the United States
Ages 14 days to 64 years old: $20,000
Ages 65 to 74 years old: $2,500
Many travel insurance plans do not cover pre-existing conditions. Wander Plus Frequent Traveler covers them through the acute onset of pre-existing conditions benefit for eligible medical expenses incurred outside the United States.
An acute onset of a pre-existing condition 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.
See the Pre-existing Condition tab of this web page to learn more.
Myocardial Infarction and Stroke
For Non-United States residents traveling to the United States
$200 per day
$3,000 maximum
This plan can pay the stated amount for each night you are hospitalized in the United States for a heart attack or stroke.
Dental
Dental — Sudden Relief of Pain
$250
The plan can pay for emergency treatment for the relief of pain to sound natural teeth.
Dental — Accident
Up to medical maximum
The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting
into a foreign object.
Vision
Emergency Eye Exam
$100 per occurrence
$50 copay
The plan can pay for an emergency eye exam if required to obtain a prescription for replacement corrective lenses if your prescription lenses are lost or damaged to due a covered accident. There is no coverage for the cost of the lenses
or for contact lenses.
Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.
Emergency Medical
Evacuation & Repatriation
$1,000,000 (separate from medical maximum)
If medically necessary, we will arrange and pay transportation and related medical expenses during transportation to:
- Transport you to the nearest adequate medical facilities.
- Transport you to your home country for treatment or to recover after an emergency medical evacuation.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Emergency Medical Reunion
$200 per day, 10-day limit / $50,000 maximum limit
If your physician recommends it, we will pay and arrange for one person of your choice to travel to the hospital where you are located when an emergency medical evacuation is occurring or has occurred or when an emergency medical repatriation
is to occur. This benefit applies regardless of whether your hospitalization is related to a pre-existing condition.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Return of Child(ren)
$50,000
If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will arrange and pay for:
- One-way economy airfare to return the children to their home country; and
- Attendant/escort services to ensure the children’s safety.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Return of Mortal Remains
$50,000
We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country.
You cannot use this benefit if you use the Local Cremation or Burial benefit. This benefit applies regardless of whether your death is related to a pre-existing condition.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Local Burial or Cremation
$5,000
This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. You cannot use this benefit if you use the Return of Mortal Remains benefit. This benefit applies regardless of whether your death is related to a pre-existing condition
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Natural Disaster Evacuation
$50,000
If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:
- Your natural disaster evacuation;
- Lodging for five days if you are delayed at the safe location; and
- Your return home via one-way economy airfare.
Seven Corners security personnel determines the need for evacuation in consultation with local governments and security analysts.
This benefit does not apply when you are in the U.S. and if the natural disaster precedes your arrival at the affected location. See plan document for additional details.This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Natural Disaster Daily Benefit
$100 per day, 5-day limit
We can reimburse you for replacement accommodations for up to five days if you are displaced from planned, paid accommodations due to an evacuation from a forecasted natural disaster or following a natural disaster. You must provide
proof of payment for the accommodations from which you were displaced.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Political Evacuation and Repatriation
$10,000
We can evacuate you and transport you to your home country if:
- 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.
This benefit will not apply if you did not follow a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory from the U.S. Department of State or similar warnings from authorities of your host country or home country.This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Terrorist Activity
$50,000
If you are injured as a result of terrorist activity, we will reimburse you for medical expenses if the following conditions are met:
- You have no direct or indirect involvement.
- The terrorist activity is not in a country or location where the U.S. government issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or similar warnings from your host country or home country were made
within six months prior to your arrival.
- You departed the country or location following the date a warning to leave that country or location was issued by the U.S. government or appropriate authorities of your host country or home country.
24/7 Travel Assistance Services
Included
Seven Corners has a 24/7 multilingual team available to help with travel emergencies and general assistance including medical evacuations, escorts for unaccompanied children, medical record transfers and second opinions, and help locating
medical care. They can also help provide interpreter referrals, help with passport recovery, hotel and flight re-bookings, and many other services.
Accidental Death and Dismemberment (AD&D)
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)
This can pay benefits for death, loss of limbs, quadriplegia, paraplegia, hemiplegia, and uniplegia due to an accident occurring while on your trip. If benefits are payable under Common Carrier Accidental Death, this benefit will not
be paid.
Common Carrier Accidental Death
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)
This can pay benefits for death due to an accident that occurred while riding as a passenger on a common carrier (any public air conveyance operating under a valid license to transport passengers for hire).
Other Travel Benefits
Loss of Checked Baggage
$50 per article
$500 per occurrence
This benefit can reimburse you for lost bags and personal items owned by you and checked with a common carrier, if you took reasonable measures to protect, save, and recover the property.
Baggage Delay
$250 per occurrence
This benefit can reimburse you for the expense of necessary personal items if your checked baggage is delayed or misdirected by a common carrier for at least 24 hours while you are on a covered trip. Coverage does not apply to your
final destination or residence.
This benefit can reimburse you for the cost of economy travel to your home if you cannot continue your trip due to the death of a parent, spouse, sibling or child or due to serious damage to your principal residence from fire or natural
disaster. See the plan document for the definition of a natural disaster.
This benefit must be arranged by Seven Corners Assist. Failure to use
Seven Corners Assist may result in the denial of benefits.
Travel Delay
$100 per day, 2-day limit per occurrence
This benefit can reimburse you for accommodations, meals, and local transportation if you are delayed by your common carrier more than 12 hours while outside your home country if the delay results in an unplanned overnight stay.
Lost or Stolen Travel Documents
$200
This benefit can reimburse you for fees for replacement of your passport, visas and other travel documents if they are lost, stolen, damaged or destroyed during your covered trip.
Border Entry Protection
For Non-United States Residents
traveling to the United States
$550
If you are traveling on a Visitor Visa B-2 and are denied entry to the U.S. at the border, this benefit can reimburse you for the cost of either: 1) An economy one-way ticket (air, land, or sea) to your country of origin or 2) A common
carrier change fee to travel to your country of origin.
Personal Liability
$25,000
We can pay for eligible court-entered judgments or settlements approved by us that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent acts or omissions
that result in::
- Injury to a third person;
- Damage or loss to a third person’s personal property;
- Damage or loss to a relative’s personal property.
Optional Coverage
Hazardous Activities You must select this option during the purchase process to receive this optional benefit.
Up to medical maximum
We cover typical types of vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage.
It covers: bungee jumping; caving; hang gliding; jet skiing; motorcycle
or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided 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 and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.
Benefit Period
Benefit Period
90 days
This is the amount of time (90 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.
If you return to your home country, there is limited coverage under Extension of Benefits in Home Country.
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:
- 12 a.m. the day after we receive your application and correct payment; or
- 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:
- 11:59 p.m. on the date you reach the maximum period of coverage;
- 11:59 p.m. on the date shown on your ID card;
- 11:59 p.m. on the date that is the end of the period for which you paid; or
- 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:
- If you bought the 30-day Covered Trip Length, you are covered for trips of 30 days or less;
- If you bought the 45-day Covered Trip Length, you are covered for trips of 45 days or less;
- 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:
- The certificate end date;
- 11:59 p.m. on the last day of any covered trip;
- The moment you arrive in your home country except as provided by Extension of Benefits in the Home Country; or
- 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:
- The condition is chronic, congenital, or gradually becomes worse over time; or
- 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:
- The condition no longer being acute; or
- 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:
- 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.
- 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.
- 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. - 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?)
- Medical Claim: English, Français,
Español, Português,
中文, 한국어
- Baggage Claim: English, Español
- Missed Connection, Baggage Delay,
Change fee for CO, NY, MD, SD
- 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.