Seven Corners Travel Medical Annual Multi-Trip
International travel insurance with Coronavirus coverage
The world has changed, and travel is different now, so you may be thinking to yourself: “What travel insurance do I need?”
If you travel abroad frequently, you need the convenience of an annual travel insurance plan, or long-term travel insurance, for multiple trips.
You also need high limits of medical protection, including coverage for COVID-19 expenses and other illnesses and injuries that occur when you travel. Seven Corners Travel Medical Annual Multi-Trip meets those needs.
Our annual COVID-19 coverage provides:
Pandemic travel insurance up to $1,000,000.*
Emergency medical evacuation benefit of $1,000,000.
*Coverage is limited for 65 years and older. See Schedule of Benefits below for details.
How does Seven Corners Travel Medical Annual Multi-Trip provide convenience and protection?
- Purchase coverage once a year and then travel as often as you like.
- Customize your coverage by selecting your trip length, choosing from 30-, 45-, and 60-day trip lengths. You’re covered for international trips for the trip length selected.
- You can also choose your deductible.
Is Emergency Medical Evacuation important?
This benefit helps if you become sick or hurt while traveling abroad. If the medical facility where you are located cannot provide the level of care required for your medical condition, our medical team will connect with your attending physician to determine if a medically necessary emergency medical evacuation is needed. If so, we will arrange and pay to transport you to the nearest facility that can provide the care you need.
Annual Coronavirus Travel Insurance Benefits
Plan Options
All benefits listed in this Schedule of Benefits are in United States Dollar amounts. All medical, dental, and vision 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. The initial treatment of an injury or illness must occur within 30 days of the date of injury or onset of illness.
Your period of coverage is 364 days.
Worldwide including the United States
Worldwide excluding the United States
14 days to 75 years
You have 90 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
Ages 14 days to 64 years old: $1,000,000
65 to 75 years old: $100,000
$0; $250; $500
We pay 90% of the first $5,000, then 100% to the medical maximum.
We pay 100% to the medical maximum.
Medical
URC* to medical maximum
$15 copay for Physician Office Visits
URC up to medical maximum
$15 copay
For Non-United States residents traveling to the United States
All emergency services except Natural Disaster Daily Benefit must be coordinated by Seven Corners Assist.
(separate from medical maximum)
$50,000 maximum
14 days to 18 years old:
19 to 75 years old:
$5,000
$25,000
14 days to 18 years old:
19 to 75 years old:
$25,000
$50,000
Trip Interruption must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
Frequently asked questions
How this plan works
The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for the plan. We recommend you read it, so you understand how your plan works. Refer to the plan document for applicable exclusions.
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.
To be covered, you must be at least 14 days old and younger than 76 years. 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.**
United States citizens, including those with dual citizenship, and Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.
Country Restrictions — We cannot sell to persons who are a resident of Cuba, Democratic People's Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Russian Federation, Sierra Leone, Syrian Arab Republic, Ukraine, and United States Virgin Islands.
*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 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.
**For all travelers, your home country is where you have your primary residence. For United States citizens, including those with dual citizenship, your home country is also the United States regardless of where you have your primary residence.
You can take as many covered trips as you want. You are covered when traveling outside of your home country on a covered trip for the trip length option you selected.
Trip length options include: 30-day trips, 45-day trips, 60-day trips.
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.
You are covered when traveling outside of your home country*, which is the country where you have your permanent residence.
United States citizens, including those with dual citizenship, and Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.
We cannot cover trips to Antarctica, Cuba, Democratic People's Republic of Korea (North Korea), Islamic Republic of Iran, Russian Federation, Ukraine, and Syrian Arab Republic.
*For all travelers, your home country is where you have your primary residence. For United States citizens, including those with dual citizenship, your home country is also the United States regardless of where you have your primary residence.
Your period of coverage is 364 days. At the end of 364 days, 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.
Your coverage begins on your effective date, which is the later of the following times:
- 12 a.m. the day after we receive your application and correct payment if you apply online; or
- 12 a.m. on the date you request on your application.
The coverage for each covered trip begins when you depart from your home country.
All times above refer to United States Eastern Time.
Your coverage ends on your expiration date, which is the earliest of the following times:
- 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
- The moment you are no longer eligible for coverage.
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.
It provides secondary coverage. All coverages except Common Carrier 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 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.
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.
You can find situations and items not covered by this plan in the exclusions section of the plan document.
UNDERWRITER
Insurance benefits are underwritten by Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.
ABOUT SEVEN CORNERS
Seven Corners has been helping travelers for 30 years with travel insurance options and travel assistance services. We’ll take care of your plan needs from start to finish — we don't outsource any of our services! Seven Corners will guide you through your purchase, provide coverage information, answer your questions, and process your claims.
1In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.
Medical Benefits and Coverage
Find medical providers using our online tools or contact Seven Corners Assist.
Inside the United States — We offer an extensive network of providers with special network pricing and potential savings for you.
Through Seven Corners’ relationship with UnitedHealthcare, you have access to one of the largest networks in the United States.
- 1.4M physicians
- 6,500 hospitals
- 45,000 clinics
- 67,000 pharmacies
- 1,800 convenience clinics
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.
Pre-existing conditions include any injury or illness, including mental illness or mental or nervous disorder, which meet one or more of the following criteria before your effective date of coverage:
- You were diagnosed;
- You received treatment;
- Treatment was recommended to You;
- There is reasonable medical certainty that the injury or illness existed within the last 36 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed. For insured persons traveling outside the United States, the period is 12 months, not 36 months.
This includes any chronic, subsequent, or recurring complications of an injury or illness which meets the above criteria.
They are covered 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. Coverage amounts vary by age.
An Acute Onset of Pre-Existing Conditions is the occurrence of a pre-existing condition that meets these criteria:
- It is sudden, unexpected, and occurs without advanced warning;
- It is a medical emergency;
- It occurs during the period of coverage and after the 72-hour (3-day) waiting period;
- You obtained treatment within 24 hours of the occurrence;
- You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
- Your pre-existing condition is not congenital, a previously diagnosed chronic condition with expected episodes or flare-ups, or a deteriorating condition which cannot be controlled and gradually intensifies over time.
Coverage begins 72 hours after the effective date of coverage and ends when the first of these events occurs:
- 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.
PPACA – Patient Protection and Affordable Care Act
The insurance provided is not subject to, is not intended to comply with, and does not provide all benefits required by PPACA. This insurance is not qualifying health coverage (“minimum essential coverage”) that satisfies the health care coverage requirement of PPACA. If an insured person does not have minimum essential coverage, he or she may owe an additional payment with his or her taxes. Insured persons are responsible for determining if and how PPACA is applicable to him or her and should consult his or her own tax advisors. Neither the company nor the administrator shall have liability whatsoever for an insured person's failure to obtain PPACA-compliant coverage.
Good Faith Efforts
Seven Corners will make good faith efforts to provide the services and assistance described on this web page. 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.
Seven Corners Travel Medical Annual Multi-Trip 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 of the plan document will prevail. Benefits and plan costs 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; it is an interim travel medical program intended for use while away from your home country or country of residence.
It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility requirements.
UnitedHealthcare and the U logo are trademarks owned by UnitedHealth Group Incorporated which are registered in the U.S. and various other jurisdictions. Administrative services provided by UnitedHealthcare Services, Inc. or their affiliates. UnitedHealth Group and its affiliates does not and cannot guarantee clinical outcomes. Insurance coverage provided by Seven Corners.
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.
