Explore North America Plus — Coronavirus Travel Insurance

Specialized visitors medical COVID insurance for up to one year.



 

24/7 Travel Assistance
1-800-335-0611
0-317-818-2809 (collect)

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

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

The plan also includes 24/7 multilingual travel assistance services to answer your benefit questions, help you find medical care, and arrange emergency benefits like an emergency medical evacuation. In the United States, you have access to a large PPO network, so you can find the care you need nearby.

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

Who can buy visitors insurance? You must be a non-United States resident and a non-United States citizen traveling to the United States, Canada, Mexico, and certain Caribbean countries.** Coverage is available for travelers who are at least 14 days old and younger than 75 years. United States citizens, including those with dual citizenship cannot buy this plan. 

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

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.

Explore North America Plus Insurance Benefits

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

 

5 days to 364 days

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

Extendable for a total of up to 364 days.

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

Covered Ages

14 days to 74 years
If you are older than 75 years and need coverage, visit our Liaison Travel Medical plan.

180 days (or 6 months)

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

Ages 14 days to 69 years:
$50,000, $100,000, $500,000, $1,000,000
Ages 70 to 74 years:
$50,000, $100,000

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

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

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

Emergency Room Services

URC up to medical maximum
$100 copay

Urgent Care Visit

URC up to medical maximum
$20 copay

URC up to medical maximum

Physiotherapy

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

Local Ambulance

Up to medical maximum

$150 per day, 30-day limit

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

$10,000

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

Dental

$200

$5,000

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

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


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

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

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

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

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

How Explore North America Plus Insurance with Coronavirus Coverage Works

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

Who Can Buy an Explore North America Plus Plan?

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

You may not buy this plan if you have already received a Green Card/Permanent Resident Card for the United States.

Where Can I Travel?

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

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

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

Finding Medical Providers

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

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

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

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

Refund Policy for Visitor Health Insurance Plans

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

Underwriter

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

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

About Your Insurance Company

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

Length of Coverage

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

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

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

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

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

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

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

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

Excess Insurance

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


Good Faith Efforts

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

Pre-existing Conditions Coverage for Explore North America Plus Insurance

What is a pre-existing condition?

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

This includes, but is not limited to, any medical condition, sickness, injury, illness, disease, mental illness, or mental or nervous disorder for which medical advice, diagnosis, care, or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 months immediately preceding the start date of this plan.

How do we cover pre-existing conditions?

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

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

ACUTE ONSET OF PRE-EXISTING CONDITIONS

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

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

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

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

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

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

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

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

Explore North America Plus Insurance Coverage Exclusions and Warnings

Exclusions

Refer to the plan document to view exclusions.

State Restrictions – We cannot sell to persons domiciled in Maryland, Washington, New York, South Dakota, and Colorado.

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

Important Information and Destination Country Restrictions

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

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

PPACA Disclaimer

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

Explore North America Plus Insurance Documents

Explore North America Plus

Brochure

Plan Documents

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.