Life happens quickly. Unfortunately, accidents and illnesses do too. That's why it's important to have international medical insurance when you travel internationally.
With our travel insurance, you choose the coverage you want, and you receive important benefits for pre-existing medical conditions and emergency medical evacuations. And, while you’re in the USA, you have access to one of the largest medical networks available.*
Travelers buying this plan must be non-United States residents who are 14 days of age or older. You must be traveling outside your country of residence and at least one of your destinations should be the U.S. You may buy coverage for yourself, your spouse, your children, and your traveling companions.
If you are U.S. Green Card/Permanent Resident Card holder, or if you are not traveling to the United States, Seven Corners offers other travel medical plans that may be a better fit for your needs.
Seven Corners Travel Medical Insurance for trips to the United States offers high levels of medical coverage to help protect your health and money on your next American adventure. We provide medical maximums up to $1,000,000 and coverage for COVID-19 and other illnesses or injuries sustained while traveling.
If your travel includes the United States and one of Europe’s Schengen Zone countries, you will be required to provide proof of insurance to get your Schengen Visa. Choose Seven Corners Travel Medical Choice and select a $0 deductible to be certain you meet minimum requirements.
Call and talk to a real person. Our friendly, licensed agents can help you find the right travel insurance for your trip.
CALL 800-335-0611Our emergency travel assistance team is here to help when the unexpected happens. We can help you find a doctor, arrange second opinions and emergency medical evacuations, provide interpretation support, and more. Travel assistance services are not an insurance benefit and are provided by Seven Corners Assist.
All benefits shown are in U.S. 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.
This plan offers two levels of coverage: Basic and Choice. The summary below shows the maximum coverage available unless otherwise noted.
Medical maximum options up to $1,000,000 (based on each traveler’s age) for the following:
Choose your deductible with options from $0 to $5,000.
The Choice option covers cardiac conditions and strokes up to $50,000 for people 69 or younger and up to $5,000 for people 70 to 79 years. It covers up to $75,000 for people 69 or younger and up to $7,500 for people 70 to 79 years for conditions other than cardiac or stroke.
The Basic option covers up to $25,000 for people 69 or younger and up to $2,500 for people 70 to 79 years for cardiac conditions, strokes, and conditions other than cardiac or stroke.
There is no coverage for people older than 79 years. See plan documents for requirements.
Covers up to $25,000 of medical expenses due to terrorism
Incidental Trips to Home Country |
Up to $10,000 |
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Covers expenses for a new injury or illness that begins on an incidental trip to your home country. This benefit is available if your coverage is longer than 30 days. |
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Optional Adventure Activities |
Up to the medical maximum you choose |
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Covers a long list of activities |
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Trip Interruption |
Up to $5,000 |
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Covers the cost of economy travel minus the credit for an unused return ticket to return home if you cannot continue the trip due to the death of a parent, spouse, sibling, child, grandparent, grandchild, or in-laws or due to serious damage to your primary residence from fire or natural disaster. |
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Loss of Checked Baggage |
Up to $50 per item; $500 per occurrence |
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Reimburses you for lost or damaged baggage and personal effects that you checked with a common carrier like an airline. |
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THIS IS A LIMITED BENEFIT POLICY. The insurance described on this page provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Where applicable, benefits are covered URC to the medical maximum you select. URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details. All coverages are provided up to the amount stated.
*Arrangement of the above benefits are not insurance and are handled by Seven Corners Assist. If you do not contact Seven Corners Assist, the benefit will be limited to the amount we would have paid if Seven Corners Assist was utilized. The requirement to use Seven Corners Assist does not apply to Return of Mortal Remains or Local Burial/Cremation. Crum & Forster SPC provides the insurance benefits.
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 plan works.
Travelers must be non-U.S. residents who are 14 days of age or older. They also must be traveling outside their home country, which is where they have their primary residence.
If you are a Green Card/Permanent Resident Card holder, you may not buy this plan.
Country Restrictions — We cannot sell to persons who are a resident of Australia, Cuba, Democratic People’s Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Sierra Leone, Syrian Arab Republic, United States, and United States Virgin Islands.
You are covered for worldwide trips that include the USA if you are traveling outside of your home country, which is the country where you have your permanent residence.
Destination Restrictions: We cannot cover trips to Afghanistan, Antarctica, Belarus, Bolivarian Republic of Venezuela, Burkina Faso, Central African Republic, Cuba, Democratic Republic of the Congo, Haiti, Iraq, Islamic Republic of Iran, Israel, Democratic People’s Republic of Korea (North Korea), Lebanon, Libyan Arab Jamahiriya, Mali, Myanmar, Palestinian Territory Occupied, Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Ukraine, and Yemen.
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:
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:
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 except Accidental Death and Dismemberment and Common Carrier Accidental Death 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 except Medicaid. 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. 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 Travel Medical Basic and Travel Medical Choice plan documents.
Your underwriter is Crum & Forster SPC.
This plan includes travel medical Insurance underwritten by Crum & Forster, SPC. C&F and Crum & Forster are registered trademarks of the parent company of Crum & Forster SPC. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2024.
Seven Corners administers your plan.
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 in-house team, Seven Corners Assist, will handle your travel assistance needs, including emergency services such as emergency medical evacuations and repatriations.*
*These types of service are not insurance and are not affiliated with Crum & Forster, SPC. They are provided by Seven Corners Assist.
Visit sevencorners.com/help/find-a-doctor or contact Seven Corners Assist to learn how to find medical treatment.
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.
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.
*PPO networks are not provided by Crum & Forster, SPC.
It is any injury or illness, including mental illness, which meets one or more of the following criteria prior to Your Effective Date of Coverage:
This includes any chronic, subsequent, consequences related thereto or resulting therefrom, 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.
This benefit covers the first acute onset of a pre-existing condition that occurs during your period of coverage.
An Acute Onset of a Pre-Existing Condition is the occurrence of a pre-existing condition that meets these criteria:
A pre-existing condition is not an acute onset of a pre-existing condition if:
Coverage begins 168 hours after the effective date of coverage and ends when the first of these events occurs:
There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatment 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.
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.
Limitations, exclusions and disclaimers from Crum & Forster, SPC.
Disclaimer: The above information is a summary of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to the policyholder. For a detailed plan description, exclusions, and limitations please view the plan on file with Seven Corners, Inc. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this web page and the Policy.
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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 do not and cannot guarantee clinical outcomes. Insurance coverage provided by Seven Corners.
*PPO networks are not provided by Crum & Forster, SPC.
