Explore North America Plus — Coronavirus Travel Insurance for USA Visitors

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

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.

You can travel to the United States, Canada, Mexico, 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.

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. Each injury or illness receives one benefit period. 

Example: If you break your leg on January 1 while on your trip and covered by the plan, you have 180 days from January 1 (until June 30) to receive treatment for your leg. If your plan ends on June 1, you still have until June 30 to receive treatment for your leg.   

We cover injuries and illnesses that occur during your period of coverage. Benefits are paid in excess of your deductible and/ or copay up to your medical maximum.
You must receive initial treatment for an injury or illness within 30 days of the date of injury or onset of illness.

This is the amount you are responsible for paying.

This is the amount Seven Corners is responsible for paying after you pay any applicable copay and your deductible.

URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors: Maximum amount that the Company determines is Usual, Reasonable and Customary for Covered Expenses You receive up to, but not to exceed, charges actually billed. The Company’s determination considers (i) amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; (ii) any usual medical circumstances requiring additional time, skill, or experience; and (iii) other factors the Company determines are relevant including, but not limited to, a resource-based relative value scale. For a Service Provider who has a reimbursement agreement, the Usual, Reasonable, and Customary charge is equal to the amount that constitutes payment in full under any reimbursement agreement with the Company.

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 schedule of benefits for dollar limits that apply to those services.

We will pay you for each night you are hospitalized up to 30 days. The benefit applies while you are traveling outside of the United States to Canada, Mexico, or the unrestricted Caribbean countries. It is in addition to other covered expenses, and you may use these incidental funds as you wish.

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. Physiotherapy;
7. Home infusion therapy; or
8. Home Health Care.

To comply with the pre-certification requirements, you must:

1. Contact Seven Corners Assist before the expense is incurred;
2. Comply with Seven Corners Assist’s instructions;
3. 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:

1. Eligible medical 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.

Contact information for Seven Corners Assist is provided on your ID card.

This can cover a new illness or injury that occurs on an incidental trip to your home country. You receive five days of coverage for each month of coverage you purchased, up to 60 days. There is no coverage if the illness or injury occurs while you are outside your home country, and there is no coverage for pre-existing conditions. Coverage is available if your period of coverage is greater than 30 days.

Many travel insurance plans do not cover pre-existing conditions. Explore North America Plus covers them through the acute onset of pre-existing conditions benefit.
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 advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
• That occurs while you are covered, after the 168-hour (7-day) waiting period, and
• For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

The plan can pay for emergency treatment for the relief of pain to sound natural teeth. Coverage is available if your period of coverage is greater than 30 days.

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.

If medically necessary, we will arrange and pay for transportation and related medical expenses during transportation to:

1. Transport you to the nearest adequate medical facilities.
2. Transport you to your home country for treatment or to recover after an emergency medical evacuation.

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.

If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will arrange and pay for:

1. One-way economy airfare to return the children to their home country and;
2. Attendant/escort services to ensure the children’s safety.

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.

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.

If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:

1. Your natural disaster evacuation;
2. Lodging for five days if you are delayed at the safe location; and
3. Your return home via one-way economy airfare.

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.

We can arrange and pay for your political evacuation and/or return to your home country via one-way economy airfare if:

1. A formal recommendation is made for you to leave your host country; or
2. You are expelled or declared persona non-grata by the host country.

If you are injured as a result of terrorist activity, we will provide benefits if the following conditions are met:

1. You have no direct or indirect involvement.
2. 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 within six months prior to your arrival.
3. You departed the country or location following the date a warning to leave was issued by the U.S. government or appropriate authorities of your host country or home country.

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.

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.

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).

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.

We 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 your child or due to serious damage to your principal residence from fire or natural disaster. See plan document for details.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

We will pay for eligible court-entered judgments or settlements approved by Seven Corners 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:

1. Injury to a third person;
2. Damage or loss to a third person’s personal property;
3. Damage or loss to a relative’s personal property.

We cover typical 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; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that 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. You must select this option during the purchase process to receive this optional benefit.