Seven Corners Travel Medical Excluding the United States

Medical Coverage for International Travel Excluding the United States.

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How can travel medical insurance help me?

There’s no way to predict when you may get sick or hurt while traveling. It’s best to be prepared, especially for international trips, because your health insurance at home may not travel with you. That means you could be responsible for your medical bills . And, medical providers in foreign countries may require you to pay for services before they treat you.

No matter where you go, Seven Corners Travel Medical Insurance follows you with:

Comprehensive medical coverage up to $5,000,000

COVID-19 coverage up to your medical maximum

Emergency Medical Evacuation protection up to $500,000

How does Seven Corners Travel Medical help travelers during international trips?

Our international travel health insurance provides the benefits you need as well as access to a global directory of medical providers and the services of Seven Corners' multilingual 24-Hour Assist team.

We encourage you to ensure you’re healthy before you travel. COVID-19 is not covered if you contract it before your plan begins. 

Do you need a Schengen visa for travel to Europe?

Choose Seven Corners Travel Medical Choice and select a $0 deductible to be certain you meet minimum requirements.

Compare Travel Medical Insurance Benefits

Reliable Coverage

Seven Corners Travel Medical Basic
Covers up to 10 travelers.

Most Popular

Seven Corners Travel Medical Choice
Covers up to 10 travelers. Recommended for Schengen visa.

Plan Options
All benefits listed below are in United States dollar amounts. All medical, dental, and vision benefits are subject to the deductible and coinsurance. The initial treatment of an injury or illness must occur within 30 days of the date of injury or onset of illness. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.
Coverage Length
5 to 364 days
5 to 364 days
Covered Ages
You must be at least 14 days old.
You must be at least 14 days old.
Benefit Period
You have 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
You have 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
Coverage Extension
Extendable for a total of up to 364 days.
Extendable for a total of up to 364 days.
Coverage Area
Worldwide excluding the USA
Worldwide excluding the USA
Medical Maximum Options
Ages 14 days to 64 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,00065 to 79 years old:$50,000; $100,000 80 years and older:$10,000
Ages 14 days to 64 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,00065 to 79 years old:$50,000; $100,000 80 years and older:$10,000
Deductible Options
(You pay)
Ages 14 days to 64 years old: $0; $100; $250; $500; $1,000; $5,000 65 to 79 years old:$0; $250; $500; $1,000; $5,000 80 years and older:$0; $500; $1,000; $5,000
Ages 14 days to 64 years old: $0; $100; $250; $500; $1,000; $5,000 65 to 79 years old:$0; $250; $500; $1,000; $5,000 80 years and older:$0; $500; $1,000; $5,000
Coinsurance
 (The plan pays)
We pay 100% to the medical maximum.
We pay 100% to the medical maximum.
Medical
Hospital Room and Board, Inpatient Hospital Services, Outpatient Hospital / Clinical Services, Physician Office Visits, Prescription Drugs, Home Health Care, Extended Care Facility
URC to medical maximum
URC to medical maximum
COVID-19 Treatment
URC to the medical maximum
URC to the medical maximum

Emergency Room Services
URC to medical maximum
URC to medical maximum
Urgent Care Visits
URC to medical maximum
URC to medical maximum
Telehealth Consultations or Care
URC to medical maximum
URC to medical maximum
Physiotherapy and Chiropractic Care
N/A
$50 per visit, 10 visits maximum
Local Ambulance Benefit
Up to medical maximum
Up to medical maximum
Hospital Daily Indemnity
N/A
$150 per day30-day limit
Extension of Benefits to Home Country
$5,000
$10,000
Incidental Trips to Home Country
$5,000
$10,000
Pre-certification Penalty
Required in the United States for specific types of treatment. A 25% reduction in covered expenses applies if you don't obtain pre-certification. Penalty does not apply to a medical emergency. See pre-certification section of the plan document for details.
Required in the United States for specific types of treatment. A 25% reduction in covered expenses applies if you don't obtain pre-certification. Penalty does not apply to a medical emergency. See pre-certification section of the plan document for details.
Acute Onset of Pre-Existing Conditions
Ages 14 days to 64 years old: $25,00065 to 79 years old:$5,00080 years and older: N/A
Ages 14 days to 64 years old: $50,00065 to 79 years old:$10,00080 years and older: N/A
Terrorist Activity 
$10,000
$25,000
Dental
Dental — Sudden Relief of Pain
$100
$200
Dental — Accident
$250
$500
Vision
Emergency Eye Exam
N/A
$100 per occurrence
Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
Emergency Medical Evacuation and Repatriation
$250,000
(separate from medical maximum)
$500,000
(separate from medical maximum)
Emergency Medical Reunion
$200 per day, 10-day limit
$25,000 maximum
$200 per day, 10-day limit
$50,000 maximum
Bedside Visit
$1,000
$1,000
Return of Child(ren)
$25,000
$50,000
Return of Mortal Remains
$25,000
$50,000
Local Burial or Cremation
$25,000
$50,000
Natural Disaster Evacuation
$25,000
$25,000
Natural Disaster Daily Benefit
$50 per day, 5-day limit
$100 per day, 5-day limit
Political Evacuation and Repatriation
$10,000
$10,000
24/7 Travel Assistance Services
Included
Included
AD&D
Accidental Death and Dismemberment (AD&D)
Ages 14 days to 18 years old Principal Sum – $2,50019 years and older Principal Sum – $10,000 (aggregate limit of $250,000 for total number of insureds on the plan)
Ages 14 days to 18 years old Principal Sum – $5,00019 years and older Principal Sum – $25,000 (aggregate limit of $250,000 for total number of insureds on the plan)
Common Carrier Accidental Death
Ages 14 days to 18 years old Principal Sum – $5,00019 years and older Principal Sum – $20,000 (aggregate limit of $250,000 for total number of insureds on the plan)
Ages 14 days to 18 years old Principal Sum – $10,00019 years and older Principal Sum – $50,000 (aggregate limit of $250,000 for total number of insureds on the plan)
Other Travel Benefits
Trip Interruption must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
Loss of Checked Baggage
$50 per article,
$250 per occurrence
$50 per article,
$500 per occurrence
Trip Interruption
$2,500
$5,000
Trip Delay
N/A
$100 per day, 2-day limit per occurrence
Lost or Stolen Travel Documents
N/A
$100
Personal Liability
$25,000
$50,000
Optional Coverage
Adventure Activities
Up to medical maximum
Up to medical maximum

Frequently Asked Questions

How this plan 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 a legal document that explains how your coverage works, including a list of exclusions. We recommend you read your plan document, so you understand how your Get Away USA plan works.

Travelers must be at least 14 days old to be covered by this plan.

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.

You are covered for worldwide trips that exclude the USA while traveling outside of your 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.

We cannot cover trips to Antarctica, Cuba, Democratic People's Republic of Korea (North Korea), Islamic Republic of Iran, Israel, Russian Federation, Syrian Arab Republic, and Ukraine.

If any part of your trip involves time in the USA, including a layover, you should choose the Seven Corners Travel Medical plan that includes travel to the USA.

*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 coverage length may vary from 5 days to 364 days.

Your plan’s effective date 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.

All times above refer to United States Eastern Time.

Your plan’s expiration date is the date your coverage 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.

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 calculate your deductible and coinsurance and to determine pre-existing conditions and if maximum coverage amounts have been reached.

We will email you an extension notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.

All coverages in this plan 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.

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 $35 cancellation fee, if you have not submitted any claims to Seven Corners.

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.

Travel Medical Benefits and Coverage

Visit sevencorners.com/help/find-a-doctor or contact Seven Corners Assist to learn how to find medical treatment.

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:

  1. You were diagnosed;
  2. You received treatment;
  3. Treatment was recommended to You;
  4. There is reasonable medical certainty that the injury or illness existed within the last 12 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.

This includes any chronic, subsequent, or recurring complications of an injury or illness which meets the above criteria.

Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical covers them through the Acute Onset of Pre-Existing Conditions benefit.

Coverage amounts vary by age and plan. See the schedule of benefits in the plan document for details.

An Acute Onset of Pre-Existing Conditions is the occurrence of a pre-existing condition that meets these criteria:

  1. It is sudden, unexpected, and occurs without advanced warning;
  2. It is a medical emergency;
  3. It occurs during the period of coverage and after the 72-hour (3-day) waiting period;
  4. You obtained treatment within 24 hours of the occurrence;
  5. You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
  6. 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:

  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 departure from your home country 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

This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain U.S. citizens or U.S. residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.

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.

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.