Glossary

Accidental Death and Dismemberment (AD&D) 

This benefit pays a set amount (a principal sum) if you die or lose a body part due to an accident. Some plans include loss of sight, speech and hearing, and the payment may be a percentage of the principal sum. Review your plan document to see what is covered for the plan you are considering. Death benefits are paid to a beneficiary that you choose.    

Accidental Death and Dismemberment (AD&D) beneficiary 

This is the person who will receive the principal sum if you die due to an accident. 

Age of Traveler

Please put the age of the traveler as of the coverage start date. For most plans, the coverage start date is the day you choose for coverage to begin. For trip protection, the coverage start date is normally one day after the date you purchase your plan.

Cancel for any Reason

This is an optional benefit offered on some trip protection plans. The benefit varies by plan and pays a certain percentage of your trip cost if you cancel your trip for any reason not otherwise covered by the plan. In order to purchase this benefit, there is normally a requirement that you buy the plan within a specified number of days from the date you make your initial trip deposit. Be certain to check for this requirement if you want to buy this benefit.   

Cancel for Work Reasons

This is an optional benefit offered on some trip protection plans. It adds additional work-related covered reasons for trip cancellation that would normally not be included.  

Coinsurance

You are required to pay this amount after you first pay your deductible, if you have a deductible. Here's an example:  Your coinsurance is stated as  80% of the next $5,000 of expenses, then 100% to the medical maximum. This means that after you pay your deductible, the insurance company will pay 80% of your eligible expenses up to $5,000 (80% of $5,000 is $4,000), and you will pay $1,000. Then, the insurance company will pay 100% of the remaining expenses to your medical maximum. 

Collision Damage Waiver 

This is an optional benefit. It provides rental car coverage if you rent a car while you are on your trip. 

Coverage Area

Travel Including the United States - If the United States is not your home country and any part of your trip includes a visit to any of the 50 United States or Washington, D.C., you must choose "Travel Including the United States" for your coverage area.

 

Travel Excluding the United States - If the United States is your home country, and your travel plans include a stop in the United States before departing the United States, your coverage will begin after you depart the United States. You should select "Travel Excluding the United States" for your coverage area. 

 

If you are traveling, and the United States is not one of your destinations but you have a layover or transfer in the United States, you need to choose "Including the United States." This will ensure that you are covered if you become sick or hurt during the time you are in the United States for the layover.  

 

Coverage Start Date

This is the day your insurance begins. 

Coverage End Date

This is the day that your insurance ends. 

Deductible

This is the amount of money you must pay first, before any payment by your insurance company is made. If your deductible is $250, then you must pay the first $250 in eligible expenses before your insurance company pays anything. 

Destination Country

This is the location or locations to which you are traveling. If you are traveling to more than one location, please select all locations. 

Flight Accident 

This is an optional benefit. It provides additional Accidental Death & Dismemberment AD&D) coverage while you are traveling on an airplane. 

Hazardous Sports Coverage

This is an optional benefit that provides coverage for specific types of sporting activities. If you are hurt while participating in one of these activities, there is no coverage unless you buy this optional benefit. 

Home Country

This is the country where you have your true, fixed and permanent residence. 

Immigrant or Immigration Insurance

We offer two different types of plans for non-United States citizens who are coming to the United States to immigrate. One is Inbound Immigrant which provides scheduled benefits for anyone 14 days of age and older. The other is Green Cover which provides health insurance style benefits for those 60 years and older.  

Initial Trip Deposit Date

The first date you make payment of any type for your trip. It is important because some benefits are available within a limited time from this date. 

Insured

This is anyone listed on the policy and covered by the policy. 

Passport Country

This is the country that issued your passport. 

Plan Document

This document provides all of the details about your plan. It explains what is covered, what is excluded, and it defines important terms. 

Premium

This is the cost or price of your insurance plan. 

Primary Health Plan

This term is important if you are applying for the Liaison Majestic plan. Primary Health Plan is the plan which provides you with primary health insurance coverage in the United States (Medicare is not a primary health plan). This primary health plan must have been in effect before the start date of the Liaison Majestic plan you are buying now. Also, this primary plan must have coverage limits greater than $50,000 per year or per illness/injury. 

Primary or Primary Insured

This is the person who is listed first on the policy and is typically the main point of contact for the insurance company. 

Rental Car Damage Coverage

This is an optional benefit. It provides rental car coverage if you rent a car while you are on your trip. 

Student Insurance

Student plans are travel plans with specialized medical benefits designed for students, faculty, and those involved in full-time educational or research activities outside of their home country. If you are traveling to the United States, our plans require you to have a J-1, H-3, F-1, M-1, or Q-1 visa. If you are a United States citizen traveling outside the United States, you must meet the requirements of your destination country. 

Your school may have specific requirements for student medical plans. You should review those before choosing a plan. 

Travel Medical Insurance 

This is a type of travel plan which combines medical expense protection and 24/7 travel assistance services to protect you when you travel outside of your home country. Your home country is the country where you have your true, fixed and permanent residence. 

Travel Supplier

This is the tour operator, cruise line, hotel, airline, etc., that coordinates or supplies travel arrangements for your trip. 

Trip Protection Insurance 

This is a type of travel plan which combines multiple types of insurance benefits with 24/7 travel assistance services. The insurance benefits include protection for your non-refundable trip costs, medical expense coverage for injuries or illnesses which occur while you are traveling, and your luggage and personal belongings. 

Visitor Insurance

Our visitor plans are designed for non-United States citizens who are traveling to the United States for business, pleasure, to study, or visit family and friends. With each plan there is a limit on how long you can be in the United States before you purchase the plan. Also, these plans offer scheduled benefits, not comprehensive benefits. Please review these terms to understand the difference in these types of benefits.   

Documents

Privacy Information
Terms of Use
Security Statement

Connect with Seven Corners

About Us
Newsroom
Careers

   

Contact Us