Explore North America | Health Insurance for Visitors by Seven Corners
 

Explore North America℠

Health Insurance for Visitors up to one year with Rates Starting at $1.73 per day

Is it important to buy a travel medical insurance plan while visiting the United States?

It's pretty simple — your health insurance at home may not cover you when you travel outside your home country, which means you could be responsible for the bill if you get sick or hurt on your trip. For short trips or extended stays with family, being in the United States without medical insurance is incredibly risky. The U.S. health care system is complex, and if you're caught in a medical situation without insurance, the cost could be expensive.

That's where Seven Corners comes in. Our mission is to protect travelers while they are away from home. With millions of visitors coming to the USA each year, our medical plans (which include access to a PPO network) help keep their minds at ease while visiting.

Even better, if you're visiting and need travel insurance services, the Seven Corners' 24-Hour Emergency Assist team is ready to help.

More reasons to buy a medical plan direct today:

  • Comprehensive medical coverage (see list of benefits below).
  • Customized plans with medical maximums up to $1,000,000.
  • Deductibles as low as $0.
  • Renewable up to 364 days.
  • Coverage for an acute onset of a pre-existing condition — benefit begins seven days after your plan begins.*
  • An extensive network of medical providers in the U.S. and abroad.
  • 24-hour multilingual travel assistance services.

*Review coverage details. The benefit ends on the earlier of: 1) the condition no longer being considered acute and/or 2) your discharge from the hospital.

Why is Explore North America better than most visitor health insurance plans?

Many visitor insurance plans have scheduled benefits, and Explore North America is a travel medical plan with comprehensive benefits.

Learn More About Travel Insurance and How the Coverage Works:

How Can Travel Medical Insurance Help Me?

A travel medical plan like Explore North America℠ provides comprehensive coverage for injuries or illnesses that occur on your trip.

Watch Here »
 

Here's How We Helped Darryl and Nancy Home from China

Learn how travel insurance and our 24/7 emergency travel assistance team helped Darryl after he fell and broke his hip while on a trip to China.

View Story » 

Explore North America Travel Insurance Benefits

All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.

Plan Information

5 days to 364 days

Up to 180 days (or 6 months)

The United States, Canada, Mexico, and unrestricted Caribbean countries*

Ages 14 days to 69 years:
Choose a medical maximum:
$50,000, $100,000, $500,000, $1,000,000
Ages 70 to 79 years:
Choose a medical maximum:
$50,000, $100,000
Ages 80+ years: $15,000
(per period of coverage)

$0, $100, $250, $500, $1,000 (per period of coverage)

Urgent Care Copay

$20 copay per visit, not subject to deductible

Coinsurance Options (The plan pays)

We pay 100% of covered expenses up to the medical maximum, after deductible or copay.
Medical Treatment
Hospital Room & Board, Inpatient Hospital Services, Emergency Room Services, Outpatient Hospital / Clinical Services, Doctor's Office Visits, Initial Orthopedic Prosthesis/Brace, Chemotherapy and/or Radiation Therapy, Nursing Services, Prescription Drugs, Home Healthcare, Extended Care Facility, Local Ambulance Benefit

Usual, Reasonable and Customary up to the medical maximum

Physio/Physical Therapy

INPATIENT:  Usual, Reasonable and Customary up to the medical maximum

OUTPATIENT:  Up to $50 maximum per day, if referred by a physician

Up to $150/night (30 days maximum)

Up to $25,000 (separate from the medical maximum)

Required inside the United States
Penalty does not apply to an emergency, see section 3.7 in the plan document.

Up to $10,000

Ages 14 days to 69 years: Amount: Up to $50,000
Ages 70 years and over: Amount:  Up to $5,000

Dental

Dental (Sudden Relief of Pain)

Up to $200

Dental (Accident Coverage)

Up to $5,000
Emergency Services and Assistance
Up to $500,000 (separate from the medical maximum)
Up to $200 per day, 10-day limit / $50,000 maximum limit
Up to $50,000
Up to $50,000
Up to $5,000
Up to $50,000
Up to $150 per day, 5-day limit
Up to $10,000
Up to $10,000 (separate from the medical maximum)
Up to $50,000

24/7 Travel Assistance Services

Included
Accidental Death and Dismemberment (AD&D)

Primary Insured or Eligible Spouse: Up to $25,000 Principal Sum
Eligible Dependant Child(ren): Up to $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
Up to $50 per article
Up to $500 per occurrence maximum
Up to $5,000

Lost or Stolen Travel Documents

Up to $100, not subject to the deductible
Up to $50,000
Optional Coverage
Up to medical maximum
*Unrestricted Caribbean countries 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.

T
his 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.

How Explore North America Travel Insurance Works

COVERAGE START DATE

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 if you apply online or by fax; 2) 12 a.m. the day after the postmark date of your application and correct payment if you apply by mail; 3) The moment you depart your home country; 4) 12 a.m. on the date you request on your application.

LENGTH OF COVERAGE

Coverage Length – Your coverage length may vary from 5 to 364 days for Explore North America, which means you may buy up to 364 days at a time.

COVERAGE EXPIRATION DATE 

Expiration Date – This is the date coverage ends, which is the earliest of the following: 1) The moment you return to your home country (except for coverage for Incidental Trips to Home Country); 2) 11:59 p.m. on the date of attainment of the maximum period of coverage; 3) 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) The moment you fail to be eligible.

All times above refer to United States Eastern Time.

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

EXTENDING YOUR EXPLORE NORTH AMERICA INSURANCE COVERAGE

If you initially buy less than 364 days of coverage, you may buy additional time, to a total of  364 days. Your original effective date is used to determine pre-existing conditions. Your medical maximum does not begin again when you renew coverage.

We will email you a renewal notice before your coverage expires, giving you the option to renew your plan.

EXCESS INSURANCE COVERAGE

All coverages except Accidental Death & 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 benefits; 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.

 

PASSPORT, VISA OR OTHER TRAVEL DOCUMENTS REPLACEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for fees associated with the replacement of Your passport, visas and other travel documents, which are lost, stolen, damaged or destroyed during Your Trip. The loss, theft or damage must be documented by a police report by providing a request for the passport replacement proof.

These benefits will not duplicate any other benefits payable under the plan or any coverage(s) attached to the plan.

 

PRE-EXISTING CONDITIONS

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 this plan.

 

ACUTE ONSET OF PRE-EXISTING CONDITIONS

Pre-existing conditions are often not covered by travel insurance. We provide coverage for them through the Acute Onset of a Pre-existing Condition benefit.

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 in the form of physician recommendations or symptoms and requires urgent care.

To be covered by this benefit, the following are required: (1) The acute onset must occur after the plan’s effective date. (2) Covered expenses must be incurred in the U.S., Mexico, Canada, and the unrestricted Caribbean countries.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary before your arrival in the U.S., Mexico, Canada, and the unrestricted Caribbean countries and before your plan 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.

There is no coverage for an acute onset that occurs during an incidental trip to your home country.
Coverage begins 168 hours (7 days) after your plan begins and ends on the earlier of: (1) the condition no longer being considered acute or (2) Your discharge from the hospital.

See the Schedule of Benefits for additional details.

 

PRE-CERTIFICATION FOR TREATMENT RECEIVED IN THE UNITED STATES

The following expenses must always be pre-certified in the United States:

  1. Outpatient surgeries or procedures;
  2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
  3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
  4. Chemotherapy;
  5. Radiation therapy;
  6. Physical and occupational therapies;
  7. Home infusion therapy; or
  8. Home Health Care.

To obtain pre-certification, you must:

  1. Contact Seven Corners Assist before the expense is incurred; and
  2. Comply with Seven Corners Assist’s instructions and submit any information or documents required; and
  3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.

Once we pre-certify your expenses, 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 expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:

  1. Covered expenses will be reduced by 25%; and
  2. The deductible will be subtracted from the remaining 75%; and
  3. Coinsurance will be applied.

Pre-certification does not guarantee coverage, payment, or reimbursement.

 

REFUNDS

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 America's strong financial backing through Certain Underwriters at Lloyd’s, London1an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it. 

About Your Insurance Company

Seven Corners2 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.

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

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

Exclusions

Below is a list of the exclusions in your plan.

These exclusions apply to these benefits: Medical Covered Expenses, Local Ambulance, Hospital Daily Indemnity, Coma, Incidental Trips to Home Country, Acute Onset of Pre-Existing Condition(s), Dental Emergency – Sudden Relief of Pain, Dental Emergency – Accident Coverage, Accidental Death & Dismemberment, 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 Sections 3.9 (Acute Onset of Pre-existing Condition(s) of the plan document;
  • 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 eye-glasses 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, postnatal care, preventing conception or childbirth, artificial insemination, infertility,impotency, sexual dysfunction, or sterilization or reversal thereof
  • Sleep apnea or other sleep disorders;
  • Mental and Nervous Disorder, 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, sex-change 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 option under Section 7 (Optional Coverage — Hazardous Activitities) of the plan document;
  • 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 Section 5.10 (Terrorist Activitity) of the plan document 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;
  • 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.

 

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, and Sierra Leone.

Important Information and Destination Country Restrictions

Explore North America℠ 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.*

*Unrestricted Caribbean countries 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.

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

 

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.

File a Claim

Travel Medical

  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 form and other paperwork here:

Contact Us



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.

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.

Learn more